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    Debt Financing and Financial Performance of Commercial Banks in Nairobi County
    (KeMU, 2025-11) Dador, Maria Clement Jul
    Debt financing has a substantial effect on commercialized banks' financial public presentation, especially for those with low equity capitalization ratios relative to total assets. This is especially important considering the present trend of commercialized banks pursuing capital-intensive expansion projects. Because of this, a lot of banks are using debt financing to get the cash they need. Given this, the intention of this work was to determine the association between debt financing and financial public presentation in this particular setting by examining the impact of debt financing on the profitableness of commercial banks in Nairobi County. This study specifically looked into how interbank borrowings, debt-to-equity ratios, long-term debt-asset ratios, and short-term debt-asset ratios affected the financial performance of Commercial Banks. The researcher was able to get information about debt financing methods because to the descriptive study approach. The target population consists of commercial banks, namely 43 of them that were established in Nairobi County between 2004 and 2022 and have their headquarters there. Because the population was so small, a census was used for the study. Secondary data from the annual financial reports published by CBK and reports released by the 43 commercial banks listed annually was used in this study. Version 23 of SPSS program was used to analyze the data. Utilizing Pearson Correlation Analyses, the link between the independent variable of banks' financial performance. In addition, linear regression was used to analyze the impact of independent factors on commercial banks' financial performance. Hypothesis testing revealed a considerable influence on commercial bank performance. The short term ratio was discovered to be a predictor of financial performance for commercial banks in Nairobi. Furthermore, the correlation coefficient of debt equity ratio was statistically significant in predicting the financial performance of Nairobi's commercial banks. The debt equity ratio had a beneficial and considerable impact on the performance of commercial banking institutions in Nairobi City County. The report suggests that business banks in Nairobi County, Kenya, always develop measures to maintain their accounts payable, since this will result in accrued bend on assets.
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    Influence of Change Management Strategies On Performance of Commercial Banks in Kenya
    (KeMU, 2025-09) Sitonik, Janet Chepngetich
    Commercial banks in Kenya have faced low growth over the years, leading to closures, mergers, and exits from the market, resulting in job losses and stalling industrial development. This study investigated the influence of change management strategies on the performance of commercial banks in Kenya. Specifically, the study assessed the impact of communication, employee involvement, resource allocation, and monitoring on bank performance, anchored on Kotter’s 8-Step Model for Change, Kurt Lewin’s Change Management Model, and Enterprise Risk Management Theory. The study utilized a descriptive research design. Targeting 39 commercial banks and 190 middle-level managers, stratified random sampling selected 129 respondents. Data was collected through online and physical questionnaires for primary data, and financial statements and magazines for secondary data. Quantitative analysis utilized descriptive and inferential statistics, while qualitative data was analyzed thematically. Findings revealed significant positive relationships between performance and communication (β=0.200, p=0.0307), employee involvement (β=0.407, p=0.001), resource allocation (β=0.536, p=0.001), and monitoring (β=0.156, p=0.009). The study concluded that robust communication, effective resource allocation, proactive monitoring, and employee involvement significantly enhance performance. The study recommended robust feedback mechanisms, effective financial planning, and proactive auditing to strengthen performance during change initiatives.
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    Influence of Strategic Planning Practices On the Performance of Commercial Banks In Juba, South Sudan
    (KeMU, 2025-09) Deng, John Ayuen Dhuor
    Performing organizations exhibit high revenues growth, profits incline, enhanced customers’ satisfaction and market share. However, commercial banks in Juba paint a different picture of performance challenges related to profits decline, decline in customers’ deposit and stagnation in growth of products. This study established the influence of strategic planning practices on the performance (financial and customer-based) of commercial banks in Juba, South Sudan. It investigates the influence of strategic direction, environmental scanning, resource planning, and plan monitoring on performance. The study was guided by the goal-setting theory, resource-based view theory, contingency theory, and balanced scorecard model. The study adopted a cross-sectional research design. The unit of analysis comprised 31 licensed commercial banks, while the unit of observation included 186 managers. A stratified random sampling technique, in addition to the Taro Yamane formula, was used to select 128 participants. Data was collected using questionnaires with both open-ended and closed questions. The questionnaires were administered both physically and electronically. Descriptive statistics, including frequency, percentage, mean, and standard deviation, summarize the data, while a binary logistic regression model was applied for inferential analysis. The findings were presented in tables and narratives. Findings revealed that strategic direction setting, including well-documented vision, mission, and core values, positively and significantly improved performance, with banks having structured direction setting showing a 7.831 times higher likelihood of achieving better performance than unstructured ones. Environmental scanning, both internal and external data sources, showed a 49.204 times higher chance of improved performance than scanning that focused only on internal environment scanning. Also, plan monitoring had a significant positive influence on performance, with banks conducting regular monitoring experiencing a 10.289 times higher likelihood of better performance outcomes than ones that conducted irregular monitoring. However, resource planning showed no significant effect on bank performance. The study concluded that strategic direction, environmental scanning, plan monitoring positively and significantly influenced performance, however resource planning did not have a significant influence. The study recommends that managers of banks in Juba actively set strategic directions through the formulation of vision, mission, objectives, and core values statements. Additionally, managers should support both internal and external scanning of the environment to support decision making and enhance performance using AI-driven data analytics. Lastly regular plan monitoring is crucial in bolstering banks’ performance in Juba.
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    Analysis of Marketing Factors Influencing Banks’ Customer Loyalty: A Survey of Commercial Banks in Nairobi, Kenya
    (KeMU, 2021-09) Kibui Priscilla, Nyawira
    Customer loyalty is commonly cited as a requirement for providing effective service. Customers compare perceptions to expectations when judging a company's product and service quality. It may be tough to keep a customer in the banking business because it is so competitive and identical. Several banks have encountered problems that have caused consumers to switch to other banks and financial institutions. Therefore, this1study1aimed1to establish1the1factors1that1influence1customer1loyalty1on1commercial1banks in Nairobi, Kenya. Specifically, the study focused on influence of brand perception, price regimes, service quality and product variety influences customer1loyalty1on1commercial1banks in Nairobi, Kenya. The theory of Disconfirmation served as the foundation for this study. This study was hinged on expectancy disconfirmation theory, value-percept disparity theory and adverse selection theory. The study took the form of a descriptive survey. In Nairobi CBD's Tier11,1Tier12,1and1Tier131bank1branches, the target population was 1199327 bank customers (retail and corporate). Stratified and simple random selection was used to select 384 persons for the study. A self-administered semi-structured questionnaire was used to collect data. Prior to administering the questionnaire, the respondents' permission was asked. After that, the researcher1organized1the1data,1coded,1revised,1and1tabulated it to guarantee accuracy1and1completeness1before1saving1it1in1the appropriate format. For all quantitative variables, descriptive1statistics1were1produced1using1frequencies, percentages, mean score, and1standard1deviation, and the data was presented in tables. The qualitative data from the open-ended questions was processed and presented in prose using conceptual content analysis. Regression and correlation analysis were used to perform inferential data analysis. To determine the relationships between the independent and dependent variables, regression analysis was used. The Statistical Program for Social Studies (SPSS) version 28 was used to generate the statistical data output. The analysis' findings were presented in the form of a narrative, bar graphs, pie charts, and other visual aids. According to the study, bank employees1are1always1willing1to1help, and the bank's services are dependable. According to1the1study,1the bank has competitive1loan interest rates. According to the report, the bank was also thought to be powerful and stable. The consumer is most satisfied with the bank's large selection of products. The study found that product1diversity1had1the biggest impact on customer1loyalty1at1Nairobi1commercial banks, followed1by1service1quality, price regimes, and brand perception, with brand perception having the least impact. Banks should focus on product quality, according to the report, in order to keep the1loyalty1of their quality-seeking clients. According to the survey, banks may boost their consumer image by participating in a variety of CSR projects that allow them to assist people seeking new opportunities.