Financial Statement Lending, Credit Information Sharing and Access to Financial Services by Small and Medium Enterprises in Kenya

Policy makers and scholars acknowledge the significance of small and medium enterprises in stirring the economic growth and development in developing and developed economies. In spite of the generally fast pace by which access to financial services for small and medium enterprises is being established, significant segments of the small and medium enterprises sector do not yet benefit from the expansion. This study therefore investigated the effect of financial statement lending on access to financial services by small and medium enterprises in Kenya. The study further sought to establish the moderating effect of the credit information sharing on the relationship between financial statement lending and access to financial services by small and medium enterprises in Kenya. The study was based on Financial Intermediation Theory and information asymmetry theory. The target population comprised 4,253 small and medium enterprises in Kenya. A sample size of 366 SMEs was target by the study. The study adopted multistage sampling technique to obtain the SMEs respondents. Primary data was utilized and was acquired through semi-structured questionnaires. Data was analysed using descriptive and inferential statistics. Heckman two step selection model was applied in regression analysis. The findings of regression analysis show that financial statement lending had a positive and significant effect on access to financial services among SMEs in Kenya. The results established that credit information sharing had insignificant moderating effect on the relationship between financial statement lending and access to financial services among the SMEs in Kenya. The study concluded that financial statements play a critical role in ensuring small and medium enterprises access financial services. Lenders can determine the financial position of the business by analysing their cashflow in order to be able to advance the credit that the business is able to pay based on their financial statement. Keywords: Financial Statement Lending, Financial Services, SMEs, Kenya. DOI: 10.7176/RJFA/12-16-06 Publication date:August 31st 202

Sugarcane in Vitro Culture Technology: Applications for Kenya’s Sugar Industry

Sugarcane (Saccharum officinarum L.) is one of the most important crops in Kenya and has wide range of economic importance. The sugar industry contributes up to 15% to the Country’s agricultural gross domestic product and an estimated 25% of the population depends on the industry for their livelihood. However, the industry has been facing several challenges including declining yields due to use of poor quality planting materials. There is an increasing pressure to enhance the productivity of sugarcane in order to sustain profitable sugar industries in Kenya, while there are several diseases attacking sugarcane and reducing its quality. Seed multiplication of newly released varieties of sugarcane is one of the major constraints in Kenya as it takes 6-7 years to produce sufficient quantity of improved seed material. In vitro culture offers a practical and fast method for mass propagation of disease-free clonal materials. Successful protocols for shoot tip culture, callus culture, embryo culture, virus free plant production and somatic embryogenesis have already been established. Thus in vitro technology can be used to enhance productivity of sugarcane in Kenya. Keywords: Sugarcane,Somaclonal variation, in vitro culture, Meristems, Micro-propagation, callu

Sugarcane in vitro culture technology: Opportunities for Kenya’s sugar industry

Sugarcane (Saccharum officinarum L.) is one of the most important crops in Kenya and has wide range of economic importance. The sugar industry contributes up to 15% to the country’s agricultural gross domestic product and an estimated 25% of the population depends on the industry for their livelihood. However, the industry has been facing several challenges including declining yields due to use of poor quality planting materials. There is an increasing pressure to enhance the productivity of sugarcane in order to sustain profitable sugar industries in Kenya, while there are several diseases attacking sugarcane and reducing its quality. Seed multiplication of newly released varieties of sugarcane is one of the major constraints in Kenya as it takes 6-7 years to produce sufficient quantity of improved seed material. In vitro culture offers a practical and fast method for mass propagation of disease-free clonal materials. Successful protocols for shoot tip culture, callus culture, embryo culture, virus free plant production and somatic embryogenesis have already been established. Thus, in vitro technology can be used to enhance productivity of sugarcane in Kenya. Despite several advantages of applying micro-propagation technique in sugarcane such as quick multiplication of newly released varieties, rejuvenation of old deteriorated varieties; production of disease free seed; easy transportation of seed material; elimination of viruses; high cane productivity and sugar yield etc., this technique is not gaining popularity up to the desired extent. There are several constraints like the high cost of production and appearance of some variants in micropropagated population among others. The present article describes the status, challenges and opportunities of in vitro technology for the sugar industry in Kenya. Though, some problems have now been resolved to considerable extents which have been described in this review however, some constraints still require intensive research work to be resolved so that a safe and efficient exploitation of this technique can be ensured in sugarcane seed production programmes for enhanced yields and quality.Keywords: Sugarcane, somaclonal variation, in vitro culture, meristems, micro-propagation, callu

2D-Galactic chemical evolution: The role of the spiral density wave

© 2019 The Author(s). Published by Oxford University Press on behalf of the Royal Astronomical Society. We present a 2D chemical evolution code applied to a Milky Way type Galaxy, incorporating the role of spiral arms in shaping azimuthal abundance variations, and confront the predicted behaviour with recent observations taken with integral field units. To the usual radial distribution of mass, we add the surface density of the spiral wave and study its effect on star formation and elemental abundances. We compute five different models: one with azimuthal symmetry which depends only on radius, while the other four are subjected to the effect of a spiral density wave. At early times, the imprint of the spiral density wave is carried by both the stellar and star formation surface densities; conversely, the elemental abundance pattern is less affected. At later epochs, however, differences among the models are diluted, becoming almost indistinguishable given current observational uncertainties. At the present time, the largest differences appear in the star formation rate and/or in the outer disc (R ≥ 18 kpc). The predicted azimuthal oxygen abundance patterns for t ≤ 2 Gyr are in reasonable agreement with recent observations obtained with VLT/MUSE for NGC 6754

Temperature‑dependent modelling and spatial prediction reveal suitable geographical areas for deployment of two Metarhizium anisopliae isolates for Tuta absoluta management

Tuta absoluta is one of the most devastating pests of Solanaceae crops in Africa. We previously demonstrated the efficacy of Metarhizium anisopliae isolates ICIPE 18, ICIPE 20 and ICIPE 665 against adult T. absoluta. However, adequate strain selection and accurate spatial prediction are fundamental to optimize their efficacy and formulations before field deployment. This study therefore assessed the thermotolerance, conidial yield and virulence (between 15 and 35 °C) of these potent isolates. Over 90% of conidia germinated at 20, 25 and 30 °C while no germination occurred at 15 °C. Growth of the three isolates occurred at all temperatures, but was slower at 15, 33 and 35 °C as compared to 20, 25 and 30 °C. Optimum temperatures for mycelial growth and spore production were 30 and 25 °C, respectively. Furthermore, ICIPE 18 produced higher amount of spores than ICIPE 20 and ICIPE 665. The highest mortality occurred at 30 °C for all the three isolates, while the LT50 values of ICIPE 18 and ICIPE 20 were significantly lower at 25 and 30 °C compared to those of ICIPE 665. Subsequently, several nonlinear equations were fitted to the mortality data to model the virulence of ICIPE 18 and ICIPE 20 against adult T. absoluta using the Entomopathogenic Fungi Application (EPFA) software. Spatial prediction revealed suitable locations for ICIPE 18 and ICIPE 20 deployment against T. absoluta in Kenya, Tanzania and Uganda. Our findings suggest that ICIPE 18 and ICIPE 20 could be considered as effective candidate biopesticides for an improved T. absoluta management based on temperature and location-specific approach.The African Union (AU), UK’s Foreign, Commonwealth & Development Office (FCDO) through the International Centre of Insect Physiology and Ecology (icipe). The icipe core funding provided by UK’s Foreign, Commonwealth & Development Office (FCDO); the Swedish International Development Cooperation Agency (Sida); the Swiss Agency for Development and Cooperation (SDC); the Federal Democratic Republic of Ethiopia and the Government of the Republic of Kenya.https://www.nature.com/srepam2022Forestry and Agricultural Biotechnology Institute (FABI)Zoology and Entomolog

Distribution of Potentially toxic elements in Water, Sediment and Soils in the Riparian Zones around a Kraft Pulp and Paper Mill in Western Kenya

This chapter discusses the impact of effluent discharge on the distribution of potentially toxic elements (Pb, Cd, Cu and Zn) in water, sediments and soils near a Kraft mill in Western Kenya. Potentially Toxic Elements (PTEs) concentrations were determined at three sites: Water Intake Point, Effluent Discharge Point and Downstream Point. The mill liquid effluent parameters and gaseous emissions were also characterized. One-way ANOVA was used to analyze the spatial differences in PTEs concentrations. Principal component analysis determined the correlations between the proximity to the Kraft mill and the PTEs in soils, water and sediments. In riverine soils, Cd was 0.78 ± 0.01 mg/kg, while Pb was 94.38 ± 9.65 mg/kg. In sediments, the concentration was 16.81 ± 2.46 mg/kg for Zn, 6.16 ± 0.72 mg/kg for Cd and 75.28 ± 5.97 mg/kg for Pb. In water, Zn was 0.26 ± 0.038 mg/L, Cu was 0.75 ± 0.11 mg/L, Cd was 0.05 ± 0.004 mg/L and Pb was 1.26 ± 9.65 mg/L. The spatial distributions of PTEs in soils near the factory and across the river may have resulted from the factory’s effluent discharge and gaseous emissions. These findings should help formulate more stringent industrial effluent management programs in Western Kenya

Physical Activity and Survival After Prostate Cancer

AbstractBackgroundDespite the high global prevalence of prostate cancer (PCa), few epidemiologic studies have assessed physical activity in relation to PCa survival.ObjectiveTo evaluate different types, intensities, and timing of physical activity relative to PCa survival.Design, setting, and participantsA prospective study was conducted in Alberta, Canada, in a cohort of 830 stage II–IV incident PCa cases diagnosed between 1997 and 2000 with follow-up to 2014 (up to 17 yr). Prediagnosis lifetime activity was self-reported at diagnosis. Postdiagnosis activity was self-reported up to three times during follow-up.Outcome measurements and statistical analysisCox proportional hazards models related physical activity to all-cause and PCa-specific deaths and to first recurrence/progression of PCa.Results and limitationsA total of 458 deaths, 170 PCa-specific deaths, and, after first follow-up, 239 first recurrences/progressions occurred. Postdiagnosis total activity (>119 vs ≤42 metabolic equivalent [MET]-hours/week per year) was associated with a significantly lower all-cause mortality risk (hazard ratio [HR]: 0.58; 95% confidence interval [CI], 0.42–0.79; p value for trend <0.01). Postdiagnosis recreational activity (>26 vs ≤4 MET-hours/week per year) was associated with a significantly lower PCa-specific mortality risk (HR: 0.56; 95% CI, 0.35–0.90; p value for trend = 0.01). Sustained recreational activity before and after diagnosis (>18–20 vs <7–8 MET-hours/week per year) was associated with a lower risk of all-cause mortality (HR: 0.66; 95% CI, 0.49–0.88). Limitations included generalisability to healthier cases and an observational study design.ConclusionsThese findings support emerging recommendations to increase physical activity after the diagnosis of PCa and would inform a future exercise intervention trial examining PCa outcomes.Patient summaryIn a 17-yr prostate cancer (PCa) survival study, men who survived at least 2 yr who were more physically active postdiagnosis or performed more recreational physical activity before and after diagnosis survived longer. Recreational physical activity after diagnosis was associated with a lower risk of PCa death

Trapped in the prison of the mind: notions of climate-induced (im)mobility decision-making and wellbeing from an urban informal settlement in Bangladesh

The concept of Trapped Populations has until date mainly referred to people ‘trapped’ in environmentally high-risk rural areas due to economic constraints. This article attempts to widen our understanding of the concept by investigating climate-induced socio-psychological immobility and its link to Internally Displaced People’s (IDPs) wellbeing in a slum of Dhaka. People migrated here due to environmental changes back on Bhola Island and named the settlement Bhola Slum after their home. In this way, many found themselves ‘immobile’ after having been mobile—unable to move back home, and unable to move to other parts of Dhaka, Bangladesh, or beyond. The analysis incorporates the emotional and psychosocial aspects of the diverse immobility states. Mind and emotion are vital to better understand people’s (im)mobility decision-making and wellbeing status. The study applies an innovative and interdisciplinary methodological approach combining Q-methodology and discourse analysis (DA). This mixed-method illustrates a replicable approach to capture the complex state of climate-induced (im)mobility and its interlinkages to people’s wellbeing. People reported facing non-economic losses due to the move, such as identity, honour, sense of belonging and mental health. These psychosocial processes helped explain why some people ended up ‘trapped’ or immobile. The psychosocial constraints paralysed them mentally, as well as geographically. More empirical evidence on how climate change influences people’s wellbeing and mental health will be important to provide us with insights in how to best support vulnerable people having faced climatic impacts, and build more sustainable climate policy frameworks

Influence of a low-carbohydrate diet on endothelial microvesicles in overweight women

Low-carbohydrate diets (LCD) are increasing in popularity, but their effect on vascular health has been questioned.Endothelial microvesicles (EMV) are membrane-derived vesicles with the potential to act as a sensitive prognostic biomarker of vascular health and endothelial function. The aim of this study was to examine the influence of a LCD on EMV and other endothelial biomarkers of protein origin. Twenty-four overweight women (age, 48.4 ± 0.6 years; height, 1.60 ± 0.07 m; body mass, 76.5 ± 9.1 kg; body mass index, 28.1 ± 2.7 kg·m−2; waist circumference, 84.1 ± 7.4 cm; mean ± standard deviation) were randomisedto either 24 weeks on their normal diet (ND) or a LCD, after which they crossed over to 24 weeks on the alternative diet.Participants were assisted in reducing carbohydrate intake, but not below 40 g·day−1. Body composition and endothelial biomarkers were assessed at the crossover point and at the end of the study. Daily carbohydrate intake (87 ± 7 versus 179 ± 11 g) and the percentage of energy derived from carbohydrate (29% versus 44%) were lower (p < 0.05) on the LCD compared to the ND, but absolute fat and saturated fat intake were unchanged. Body mass and waist circumference were 3.7 ± 0.8 kg and 3.5 ± 1.0 cmlower (p < 0.05), respectively, after the LCD compared with the ND phases. CD31+CD41−EMV, soluble (s) thrombomodulin, sE-selectin, sP-selectin, serum amyloid A and C-reactive protein were lower (p < 0.05) after the LCD compared to the ND, but serum lipids and apolipoproteins were not different. EMV along with a range of endothelial and inflammatory biomarkers are reduced by a LCD that involves modest weight loss