http://erepository.uonbi.ac.ke/handle/11295/82052 Mon, 18 May 2026 20:39:39 GMT 2026-05-18T20:39:39Z http://erepository.uonbi.ac.ke/handle/11295/153635 Relationship Between the Level of Non-performing Loans and Financial Performance of Commercial Banks in Kenya Muthitu, Dennis N Since the main source of income for commercial banks is interest charged when they issue loans, the main risk which the commercial banks encounter is increase in the level of NPLs. The bank’s profitability is highly impacted by the level of NPL because a significant amount of banks revenue is generated from interest charged on the loans issued. Nonetheless, the performance of the banks is highly influenced by the level of NPL. The study aimed on determining the impact of level of NPLs on financial performance of commercial banks in Kenya. This study population comprised all the 43 banks in operation in Kenya as at 2018-year end. The data was acquired for only 37 banks which was equivalent to an 88.1% response rate. The independent variable for the study was NPLs. The control variables were liquidity, capital adequacy, bank size, management efficiency and off-balance sheet financing. In measuring the financial performance return on assets was used and it was the dependent variable. Annual Data, which was from secondary sources, was gathered for a 5 years’ period, 2015- 2019. Research design was descriptive cross-sectional design whereas association between variables was determined by multiple linear regression model. SPSS version 23 aided the achievement of data analysis. An R-square value of 0.316 was revealed implying that around 31.6% of the changes in financial performance can be related to the six chosen independent variables whereas 68.4% in the changes of financial performance was related to other variables that did not form part of this study. From the study findings it was additionally uncovered that the independent variables strongly correlated with financial performance (R=0.562). The ANOVA results exhibited that the F statistic was significant at 5% level with p value of 0.000. Henceforth the model was appropriate in explaining the association amongst the chosen variables. Additional results demonstrated that the level of NPLs negatively and significantly affected financial performance while capital adequacy, liquidity and bank size positive and statistically significant values for this study. The study discovered that management efficiency and off-balance sheet financing are statistically insignificant determinants of financial performance of commercial banks. This gives recommendation that measures ought to be set up to reduce level of NPLs while at the same time boosting capital adequacy, liquidity and bank size as these four have a significant influence on financial performance. Wed, 01 Jan 2020 00:00:00 GMT http://erepository.uonbi.ac.ke/handle/11295/153635 2020-01-01T00:00:00Z http://erepository.uonbi.ac.ke/handle/11295/106642 Alumni: A call to action UONAA Mon, 01 Jan 2018 00:00:00 GMT http://erepository.uonbi.ac.ke/handle/11295/106642 2018-01-01T00:00:00Z http://erepository.uonbi.ac.ke/handle/11295/106640 Draft constitution UONAA Mon, 01 Jan 2018 00:00:00 GMT http://erepository.uonbi.ac.ke/handle/11295/106640 2018-01-01T00:00:00Z http://erepository.uonbi.ac.ke/handle/11295/104576 Assessing Kenya’S Legal Framework On Real Estate Investment Trusts (Reits): Making A Case For Mortgage Reits Ng’ati, Martin M The right to a house in Article 43(1)(b) of the Bill of Rights of the Constitution of Kenya is fundamental to enable individuals live in dignity. The Constitution envisages every person having a right to accessible and adequate housing as well as reasonable standards of sanitation. However, access to the right to a house for a majority of Kenyans is elusive owing to the high cost of housing finance. This Thesis explores the viability of Mortgage REITs as an effective method of financing affordable housing in Kenya. The study acknowledges the existence of a gap in the provision of adequate housing and provides a solution towards filing this gap by assessing the suitability of mortgage REITs as a tool to access affordable housing finance by analyzing the Regulations on REITs and offering a critique on the legislative framework while at the same time appreciating the critical role of REITs. The study also identifies a gap within the legislation creating REITs in Kenya and explores the viability of that legislative gap by examining the USA legislative framework on REITs as a best practice in achieving affordable housing using Mortgage REITs. It also reviews the mortgage REITs legal framework in the United States of America. Upon analyzing the REITs legislative framework from a perspective of providing affordable housing, the study concludes by offering appropriate legislative amendments to various legislations such as the Capital Markets (Real Estate Investment Trusts)(Collective Investment Schemes)Regulations 2013 to enable the creation of M-REIT. Mon, 01 Jan 2018 00:00:00 GMT http://erepository.uonbi.ac.ke/handle/11295/104576 2018-01-01T00:00:00Z