A Survey of Credit Risk Management Techniques Used by Microfinance Institutions in Kenya

This study had two objectives. First, to identify the techniques used by microfinance institutions in the management of credit risk in Kenya. Second, to examine the main challenges facing the microfinance institutions in the management of credit risk. The study used a descriptive research design. A survey research design was used to collect the data. A sample size of thirty microfinance institutions was surveyed. The sampling frame included the Central bank of Kenya Directory (2006) of microfinance institutions. Purposive sampling was used to select one credit officer and one loan officer from each of the sampled institutions. Primary data was collected using semi-structured questionnaires. The questionnaires were dropped and picked up later and others were sent and received via email. The target respondents were the institutions’ loans and credit officers. Data analysis involves computation of summary statistics such as means, percentages and standard deviations. The study established that most microfinance institutions use 6C techniques of credit risk management. The results also revealed that understanding the organizations exposure to credit is treated as critical by the microfinance institutions. To avoid loan losses, the microfinance institutions used follow ups. The results also show that MFIs take loan review analysis as crucial aspects of risk management by doing proper documentation and analysis. The institutions also use litigation in situations where the borrower’s financial situation and structure have been altered and the original promised value of collateral differ. The study established that a majority of the institutions used Credit Metrix to measure the credit migration and default risk. The results also show that the microfinance institutions are faced with the challenge of strict operational regulations from the Central Bank of Kenya. The government had not put any policy in place to govern the operations of the MFIs. Loan recovery is a major challenge to the majority of the institutions. Keywords: Credit Risk Management, Microfinance Institutions, Credit Migration, Credit Metrix, Loan Review Analysi

The extent of dietary supplements use by male rugby players in Kenya

Objective: Dietary or nutritional supplements are substances which act either nutritionally to reverse or prevent deficiency or pharmacologically, to alter some physiological processes. The purpose of the present study was to determine the extent of knowledge, consumption levels and identify factors or reasons that influenced the utilization of dietary supplements by male rugby players in Kenya. Methodology and results: The study adopted the descriptive survey design. The target population was 210 players from seven teams that participated in the Kenya Cup League. Simple random sampling was used to select 140 (67%) respondents out of the target population of 210. Percentages were used to describe the players’ knowledge levels. Generally, rugby players had moderate knowledge about the dietary supplements. This was rated at 44.9% for creatine monohydrate, antioxidants - 11.3%, multivitamins – 44.2%, glutamine – 14%, whey protein – 37.3% and Zinc Magnesium Aspartate (ZMA) -8.6%. The consumption levels (15.1% took and 53.8% never took) were low. Hypothesis testing confirmed that there was significant difference (p\u3c0.005) between the variables (age, academic qualification, occupation, experience and club affiliation) and the reasons for taking dietary supplements as well as the consumption patterns by the male rugby players Conclusion and application of findings: There were definitely low levels of use of dietary supplements among rugby players. The Kenya Rugby Football Union should organize clinics, courses and seminars for rugby coaches and teachers regarding dietary supplementation and its role in enhancing the nutritional status of the players. Further research should be conducted on the use of other dietary supplements and their effect on performance

Participatory mapping for transformation: multiple visual representation of foodscapes and environment in informal settlements in Nairobi

Although branded as ‘obstructionists’ and major agents of ‘disease and filth’ by city authorities, food vendors remain the pivotal node in the local food system in most informal settlements; therefore, their interaction with the environment and infrastructure services, and challenges they face to keep the food safe to eat, requires further grounded exploration. Food vendors from informal settlements in Nairobi, Kenya, who are acting as mappers and change agents, are building multi-layered views of places through the deliberative process of knowledge coproduction by participatory sensing, which lead to opportunities and challenges to improve those places

Short-Term Rationing of Combination Antiretroviral Therapy: Impact on Morbidity, Mortality, and Loss to Follow-Up in a Large HIV Treatment Program in Western Kenya

Background. There was a 6-month shortage of antiretrovirals (cART) in Kenya. Methods. We assessed morbidity, mortality, and loss to follow-up (LTFU) in this retrospective analysis of adults who were enrolled during the six-month period with restricted cART (cap) or the six months prior (pre-cap) and eligible for cART at enrollment by the pre-cap standard. Cox models were used to adjust for potential confounders. Results. 9009 adults were eligible for analysis: 4,714 pre-cap and 4,295 during the cap. Median number of days from enrollment to cART initiation was 42 pre-cap and 56 for the cap (P < 0.001). After adjustment, individuals in the cap were at higher risk of mortality (HR = 1.21; 95% CI : 1.06–1.39) and LTFU (HR = 1.12; 95% CI : 1.04–1.22). There was no difference between the groups in their risk of developing a new AIDS-defining illness (HR = 0.92 95% CI 0.82–1.03). Conclusions. Rationing of cART, even for a relatively short period of six months, led to clinically adverse outcomes

Good food hygiene practices in urban informal settlements of Kisumu, Kenya

Good food hygiene practices reduce faecal contamination in child food, but do not reduce enteric infections and child diarrhoea. Children in urban settlements are more susceptible to diarrhoea because of poor sanitation and overcrowding. The purpose of this study was to delineate food handling practices in urban settlements, to inform an intervention aimed at reducing enteric infections. Data was collected using observation and in-depth interviews. Twenty one out of 31 caregivers who participated in the study were biological mothers, the remaining were relatives or nonrelatives. Over half the infants had several alternative caregivers providing care in or outside the home. Food preparation and feeding was done by the caregiver providing care when the child was hungry. These findings imply that child care in the informal settlements is done by multiple caregivers, suggesting that food hygiene interventions should give attention to all likely child caregivers to reduce diarrheal disease

Webuye health and demographic surveillance systems baseline survey of soil-transmitted helmints and intestinal protozoa among children up to five years

Background. The intestinal parasitic infections (IPIs) are globally endemic, and they constitute the greatest cause of illness and disease worldwide. Transmission of IPIs occurs as a result of inadequate sanitation, inaccessibility to potable water, and poor living conditions. Objectives. To determine a baseline prevalence of IPIs among children of five years and below at Webuye Health and Demographic Surveillance (HDSS) area in western Kenya. Methods. Cross-sectional survey was used to collect data. Direct saline and formal-ether-sedimentation techniques were used to process the specimens. Descriptive and inferential statistics such as Chi-square statistics were used to analyze the data. Results. A prevalence of 52.3% (417/797) was obtained with the male child slightly more infected than the female (53.5% versus 51%), but this was not significant (χ2=0.482, P>0.05). Giardia lamblia and Entamoeba histolytica were the most common pathogenic IPIs with a prevalence of 26.1% (208/797) and 11.2% (89/797), respectively. Soil-transmitted helminths (STHs) were less common with a prevalence of 4.8% (38/797), 3.8% (30/797), and 0.13% (1/797) for Ascaris lumbricoides, hookworms, and Trichuris trichiura, respectively. Conclusions. Giardia lamblia and E. histolytica were the most prevalent pathogenic intestinal protozoa, while STHs were less common. Community-based health promotion techniques are recommended for controlling these parasites

The effect of maternal anthropometric characteristics and social factors on gestational age and birth weight in Sudanese newborn infants

<p>Abstract</p> <p>Background</p> <p>In Africa low birth weight (LBW) (<2500 g), is the strongest determinant of infant morbidity and mortality. The aim of this study was to quantify the effect of maternal anthropometry, education and socio-economic status on gestational age and birth weight.</p> <p>Methods</p> <p>In 1000 Sudanese mothers with singleton births, anthropometric measurements (weight, height, mid-arm circumference) and newborn birth weight were taken within 24 hours of delivery. Furthermore, maternal education and socio-economic status were recorded. The effect of these maternal variables on gestational age and birth weight was investigated by receiver operating characteristic (ROC) curves and by multivariate logistic regression analysis.</p> <p>Results</p> <p>Although maternal height was significantly correlated (p = 0.002) with gestational age, we did not find maternal characteristics of value in determining the risk for preterm birth. Birth order was the strongest determinant of birth weight compared to other maternal characteristics. The LBW rate of first born babies of 12.2% was nearly twice that of infants of multiparous mothers. Maternal age and all maternal anthropometric measurements were positively correlated (p < 0.001) with birth weight. A maternal height of <156 cm, a maternal weight of <66 kg, a maternal mid arm circumference of <27 cm and years of education of ≤ 8 years were found to increase the relative risk of LBW but this was statistically significant only in the case of maternal height. Maternal age and BMI had no statistically significant effect on determining the risk for LBW. The social class did not affect the birth weight, while the number of years of education was positively correlated with birth weight (p = 0.01). The LBW rate decreased from 9.2% for ≤ 8 years of education to 6.0% for >12 years of education.</p> <p>Conclusion</p> <p>Birth order and maternal height were found to be the most important maternal parameters which influences birth weight and the risk for LBW. The duration of maternal education and not social class was found to significantly affect the risk for LBW.</p

Crustal structure of active deformation zones in Africa: Implications for global crustal processes

The Cenozoic East African rift (EAR), Cameroon Volcanic Line (CVL), and Atlas Mountains formed on the slow-moving African continent, which last experienced orogeny during the Pan-African. We synthesize primarily geophysical data to evaluate the role of magmatism in shaping Africa's crust. In young magmatic rift zones, melt and volatiles migrate from the asthenosphere to gas-rich magma reservoirs at the Moho, altering crustal composition and reducing strength. Within the southernmost Eastern rift, the crust comprises ~20% new magmatic material ponded in the lower crust sills, and intruded as sills and dikes at shallower depths. In the Main Ethiopian rift, intrusions comprise 30% of the crust below axial zones of dike-dominated extension. In the incipient rupture zones of the Afar rift, magma intrusions fed from crustal magma chambers beneath segment centers create new columns of mafic crust, as along slow-spreading ridges. Our comparisons suggest that transitional crust, including seaward-dipping sequences, is created as progressively smaller screens of continental crust are heated and weakened by magma intrusion into 15-20 km-thick crust. In the 30Ma-Recent CVL, which lacks a hotspot age-progression, extensional forces are small, inhibiting the creation and rise of magma into the crust. In the Atlas orogen, localized magmatism follows the strike of the Atlas Mountains from the Canary Islands hotspot towards the Alboran Sea. CVL and Atlas magmatism has had minimal impact on crustal structure. Our syntheses show that magma and volatiles are migrating from the asthenosphere through the plates, modifying rheology and contributing significantly to global carbon and water fluxes

Venture funding for science-based African health innovation

<p>Abstract</p> <p>Background</p> <p>While venture funding has been applied to biotechnology and health in high-income countries, it is still nascent in these fields in developing countries, and particularly in Africa. Yet the need for implementing innovative solutions to health challenges is greatest in Africa, with its enormous burden of communicable disease. Issues such as risk, investment opportunities, return on investment requirements, and quantifying health impact are critical in assessing venture capital’s potential for supporting health innovation. This paper uses lessons learned from five venture capital firms from Kenya, South Africa, China, India, and the US to suggest design principles for African health venture funds.</p> <p>Discussion</p> <p>The case study method was used to explore relevant funds, and lessons for the African context. The health venture funds in this study included publicly-owned organizations, corporations, social enterprises, and subsidiaries of foreign venture firms. The size and type of investments varied widely. The primary investor in four funds was the International Finance Corporation. Three of the funds aimed primarily for financial returns, one aimed primarily for social and health returns, and one had mixed aims. Lessons learned include the importance of measuring and supporting both social and financial returns; the need to engage both upstream capital such as government risk-funding and downstream capital from the private sector; and the existence of many challenges including difficulty of raising capital, low human resource capacity, regulatory barriers, and risky business environments. Based on these lessons, design principles for appropriate venture funding are suggested.</p> <p>Summary</p> <p>Based on the cases studied and relevant experiences elsewhere, there is a case for venture funding as one support mechanism for science-based African health innovation, with opportunities for risk-tolerant investors to make financial as well as social returns. Such funds should be structured to overcome the challenges identified, be sustainable in the long run, attract for-profit private sector funds, and have measurable and significant health impact. If this is done, the proposed venture approach may have complementary benefits to existing initiatives and encourage local scientific and economic development while tapping new sources of funding.</p

Transfer of newborns to neonatal care unit: a registry based study in Northern Tanzania

<p>Abstract</p> <p>Background</p> <p>Reduction in neonatal mortality has been slower than anticipated in many low income countries including Tanzania. Adequate neonatal care may contribute to reduced mortality. We studied factors associated with transfer of babies to a neonatal care unit (NCU) in data from a birth registry at Kilimanjaro Christian Medical Centre (KCMC) in Tanzania.</p> <p>Methods</p> <p>A total of 21 206 singleton live births registered from 2000 to 2008 were included. Multivariable analysis was carried out to study neonatal transfer to NCU by socio-demographic factors, pregnancy complications and measures of the condition of the newborn.</p> <p>Results</p> <p>A total of 3190 (15%) newborn singletons were transferred to the NCU. As expected, neonatal transfer was strongly associated with specific conditions of the baby including birth weight above 4000 g (relative risk (RR) = 7.2; 95% confidence interval (CI) 6.5-8.0) or below 1500 g (RR = 3.0; 95% CI: 2.3-4.0), five minutes Apgar score less than 7 (RR = 4.0; 95% CI: 3.4-4.6), and preterm birth before 34 weeks of gestation (RR = 1.8; 95% CI: 1.5-2.1). However, pregnancy- and delivery-related conditions like premature rupture of membrane (RR = 2.3; 95% CI: 1.9-2.7), preeclampsia (RR = 1.3; 95% CI: 1.1-1.5), other vaginal delivery (RR = 2.2; 95% CI: 1.7-2.9) and caesarean section (RR = 1.9; 95% CI: 1.8-2.1) were also significantly associated with transfer. Birth to a first born child was associated with increased likelihood of transfer (relative risk (RR) 1.4; 95% CI: 1.2-1.5), while the likelihood was reduced (RR = 0.5; 95% CI: 0.3-0.9) when the father had no education.</p> <p>Conclusions</p> <p>In addition to strong associations between neonatal transfer and classical neonatal risk factors for morbidity and mortality, some pregnancy-related and demographic factors were predictors of neonatal transfer. Overall, transfer was more likely for babies with signs of poor health status or a complicated pregnancy. Except for a possibly reduced use of transfer for babies of non-educated fathers and a high transfer rate for first born babies, there were no signs that transfer was based on non-medical indications.</p