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EFFECT OF SAVING LITERACY ON INVESTMENT DECISION AMONG SECONDARY SCHOOL TEACHERS IN MERU COUNTY
(EPRA International Journal of Economics, Business and Management Studies, 2024-08) May, Chorongo Kitawa; Fredrick, Mutea; Adel, Kanyiri
The education sector in Kenya receive the largest share of the country's budget, with a significant portion allocated to paying teachers' salaries, as they constituted a large portion of the employed workforce. This study aimed to assess the effect of saving literacy on investment decisions among public secondary school teachers in Meru County, Kenya. It investigated why teachers in Meru County struggled to invest for their future and explored the role of their financial literacy in contributing to this issue, as indicated in the Solution SACCO annual report for the year 2022. The study was anchored under Financial Literacy Theory. Empirical analysis was conducted based on the study's objectives and conceptual framework. The target population for the study consisted of 1,825 teachers from public secondary schools in Meru County. A descriptive research design was employed, gathering data from primary and secondary sources. Purposive sampling was used to select accessible schools in the nine sub-counties within Meru County, while a simple random sampling technique was applied to select 328 respondents. A self-administered questionnaire was tested on 30 respondents from Tharaka Nithi County, constituting 10% of the sample size, and feedback from the university supervisors was used to address any ambiguities or irrelevant questions. The researcher distributed and collected questionnaires using the drop-and- pick method. After collecting the data from the field, it was reviewed to identify errors such as spelling mistakes and unanswered questions. The data was then coded and entered into the Statistical Package for Social Sciences (SPSS) for analysis. The findings were presented through tables, and regression analysis, ANOVA tests, and coefficients of determination were conducted to examine correlations and establish the model equation. Descriptive statistics were used to calculate mean values and standard deviations, and Pearson correlation analysis was employed for hypothesis testing. Subsequently, the findings were compiled into summaries, reports, and frequency distribution tables. The analysis of multiple regression indicated that the R^2 value stood at is 0.691, suggesting that the variables related to financial literacy accounts for 69.1% of change for variation in investment decisions made by TSC teachers in public secondary schools in Meru County. The findings concluded that employees generally exhibit prudent financial practices, as seen in their efforts to avoid loan defaults, read credit terms carefully, repay borrowed money promptly, and use unsecured loans judiciously. The study recommended for adoption of a culture that emphasizes saving and investing among teachers in the Teaching Service Commission (TSC) and suggest for an attempt to explore non-economic elements that might affect teachers' investment decision-making processes.
EFFECTS OF ADOPTING GREEN PROCUREMENT PRACTICES ON ORGANIZATION ENVIRONMENTAL PERFORMANCE IN TEA INDUSTRIES IN MERU COUNTY
(The Strategic Journal of Business & Change Management,, 2024-06) Webster, Salvsen; Nancy, Rintari; Adel, Kanyiri
This study investigates the impact of adopting green procurement practices on the environmental performance of tea processing industries in Meru County, Kenya. The research specifically focuses on four critical areas: green supplier selection, green manufacturing, green logistics, and the incorporation of renewable energy sources. Data were collected from a sample of 321 respondents, including managers, departmental heads and staff from nine tea processing factories. Primary data was gathered through structured questionnaires and face-to-face interviews, while secondary data were obtained from existing literature. The study also included a pilot study conducted in Kericho County with 34 respondents representing 10% of the sample size. The findings revealed that the selection of green suppliers was found to significantly reduce environmental degradation, the adoption of green manufacturing practices led to enhanced resource efficiency and minimized waste production, the implementation of green logistics practices resulted in a substantial reduction in the carbon footprint of the tea processing factories and improved operational efficiency and that the incorporation of renewable energy sources was found to significantly lower greenhouse gas emissions and reduce energy costs. The data were analyzed using descriptive statistics, regression analysis, and correlation tools to establish the relationships between green procurement practices and environmental performance. The main software used for the analysis was the latest version of SPSS. The study concludes that the adoption of green procurement practices not only enhances environmental sustainability but also provides a competitive advantage for tea processing industries in the global market. The research recommends that industry stakeholders prioritize the enforcement and adoption of these practices to achieve long-term sustainable development. Future studies should investigate the long-term economic and environmental impacts of green procurement practices across various agricultural sectors.
Influence of contractors’ evaluation criteria on procurement performance in the state department of roads in the upper eastern region, Kenya
(Journal of Business & Change Management, 2025-09) Gaichugi, Lenity Mutwiri; Ruth, Kanyaru; Adel, Kanyiri
The success of road construction projects measured by quality, timeliness, and budget largely hinges on contractor performance. This study aimed examined how various contractor evaluation criteria affect procurement performance, specifically focusing on the financial capability, technical capacity, contractor experience and organizational capacity of contractors in the State Department of Roads in the Upper Eastern Region of Kenya. A descriptive research design was adopted, targeting 93 management-level employees from three parastatals: the Kenya Urban Roads Authority (KURA) with 23 employees, the Kenya Rural Roads Authority (KERRA) with 40 employees, and the Kenya National Highways Authority (KENHA) with 30 employees. Primary data was collected through questionnaires administered via a drop-and-pick-later method, allowing respondents one week to complete them before collection for analysis. The data collected were both quantitative and qualitative. Quantitative data were analyzed using descriptive and inferential statistics. SPSS (Version 22) was used for calculations, and a regression model assessed the relationship between the independent variables and procurement performance. The findings revealed that financial capability, including cash flow management and bonding capacity, significantly affects procurement performance. Technical capacity, particularly workforce competence (mean = 4.98), is also critical. Contractor experience has a strong correlation with performance (mean = 4.60), whereas the impact of organizational capacity is variable, highlighting the importance of scalability and flexibility (mean = 4.46). In conclusion, financial stability, technical skills, and experience are essential for improving procurement performance, while the effectiveness of organizational capacity varies. The State Department of Roads should focus on strengthening financial vetting processes, supporting technical training and technological advancements, prioritizing experienced contractors, and evaluating organizational flexibility. Future research could investigate the effects of regulatory policies on contractor performance and explore the role of emerging technologies such as AI and blockchain in enhancing procurement efficiency.