Tom Nyamache - Academia.edu (original) (raw)

Papers by Tom Nyamache

Research Journal of Finance and Accounting, 2013

This paper examines the globalization phenomenon which has become the real approach for the inter... more This paper examines the globalization phenomenon which has become the real approach for the international economy in the 21 st century. This is evident from the fact that nations have become more interdependent through the flow of goods, services, and financial capital since the 1 970s through the 1980s and presently. The growing importance of industrialization has made the integration into the global economy virtually synonymous with development for a number of nations, Kenya among them. The nature of globalization is in tandem with economic impact of multinational corporations on the Kenyan Economy This study investigates the role of Multinational Corporations through linkages and the enhancement of technology in fast tracking a cross the border transactions. The paper arguably runs through the some of the side effects that are entrenched by globalization in many countries: inequality, poverty, exploitation, sidelining local industries among others. This study submits effects within the context of the state and its role in the process of globalization with particular focus on the Kenyan state and its intersection with national and international policies of economic development. These effects to the home countries of MNCs are often more difficult to identify, for various reasons. However, earlier studies suggest that the effects are generally positive, but the increasing international division of labor within multinationals complicates the analysis. The impact on the home country is likely to depend on what activities these firms concentrate at home. In conclusion the paper recommends how the Kenyan Economy could lead a more focused development devoid of foreign intervention through the MNCs in its Economic development.

INTERNATIONAL JOURNAL OF RESEARCH IN MANAGEMENT, 2017

The study examined the role of Credit Reference Bureau (CRB) in influencing customer credit acces... more The study examined the role of Credit Reference Bureau (CRB) in influencing customer credit access in mitigating default risk among commercial banks in Kenya. The study was based on the theories of Adverse Selection and Hazard. The study used a Causal-Comparative descriptive survey design. The target population of the study consisted of all the 43 licensed commercial banks in Kenya and the three licensed credit reference bureaus in Kenya under the Banking Act. The researcher used a census of all commercial bank headquarters bank managers and the three headquarters credit reference bureau managers. To collect primary data, the researcher used questionnaires. Secondary data were collected from CBK loan books and CBK annual Bank supervisory reports. Data was analysed using SPSS and results presented using graphical systems. The researcher used descriptive statistics, which included the mean, median standard deviation and range to show the default rate. The inferential statistical tests comprised correlation, ANOVA regression and Chi-square analysis to test hypothesis. P-values yielded were less than 0.05, which indicated that the role played by Credit Revenue Bureau in influencing customer access to credit and mitigation of Credit Default Rate was significant among commercial banks in Kenya.

This paper explores how the world is a midst technological advancement since the industrial revol... more This paper explores how the world is a midst technological advancement since the industrial revolution. It has moved from chemical to electronic processes, industrial to a learning age, manual to automated labour and analogue to digital. Whereas technological revolution is proceeding with a high speed, University professors can now efficiently organize and develop their own materials for each course they teach. Virtually all publications should be written, typeset and electronically distributed. The technological breakthrough in Education which started in the early 1980s struggled in development but continues to compete with digital video interactive developments of blue chip companies like Intel. This has created a user friendly technological and educational development. This paper establishes that there are striking similarities between technological advances made in both the 20 th and 21 st centuries. These advances have offered Universities many new possibilities though with new...

Industry groups, investment managers and professional investors notwithstanding: are conscious of... more Industry groups, investment managers and professional investors notwithstanding: are conscious of differences among alternative industries and organize their analysis and portfolio decisions according to industry groups. Industry analysis is progress towards selecting specific firms and stocks for an investment portfolio. A macro analysis and utilization of a stock market decides whether the expected rate of return from investing in common stocks is equal to or greater than required rate of return. Hence, industrial groups should decide whether to overweigh market weigh or underweight stocks. Analysis to determine if the intrinsic value of an industry is equal to or greater than its market price is determined. Based on this relationship, it is decided to weight the industry in a stock

Hair is a very important expression of who we are. It is often the first thing you notice when yo... more Hair is a very important expression of who we are. It is often the first thing you notice when you meet someone. It can signify youth, health, strength and vitality. The manner in which people care for their hair varies greatly as the hair we are born with changes several times during our time on planet Earth. The remarkable head hair of humans has gained an important significance in nearly all present societies as well as any given historical period throughout the world. Beauty can be natural or enhanced by use of make ups, perfumes and jewels. The objective of this paper was to look at the evolution that has taken place in the hair and beauty culture and significance of these changes to development in Africa. Data was obtained through literature search in libraries.

Beads have played an important role in the personal lives of Africans. They have been valued as c... more Beads have played an important role in the personal lives of Africans. They have been valued as currency, identification of status and as an artistic medium. Beads forms an integral part of the Samburu culture and have many uses and symbolic meanings. The first periodic beads market in Samburu District was established in Maralal town in 1991. The aim of this study is to clarify how the Samburu pastoralists reacted to the emergence of the beads market that provided them constant opportunity for trade. Equall to the cultural systems and believes among the Samburu. study was largely qualitative research. This was done through library search, interview schedules and observation. Based on t aspects of the Samburu lives and actually vibrate the culture. This study will be of help to historians, artists, ethnographers, anthropologists and the general public as a body of knowledge and reference material of the among other communities.

Impulse company supplies various range of products and in this study the researcher have studied ... more Impulse company supplies various range of products and in this study the researcher have studied the printed material products alone. This study aims in understanding the reason for preferring the Impulse brand and their opinion towards the satisfaction is also observed. Brand preferring is the identity to any company that the customers are willing to prefer their products, which may lead to brand loyalty and that’s how a company shall increase their brand equity. In this research the factors attracting the respondents to buy the impulse are observed. This study shall the company to reframe their marketing strategy and to attract more new customers and delight the existing customers.

Self adornment plays a significant role in ensuring the continuity of the political, socio-cultur... more Self adornment plays a significant role in ensuring the continuity of the political, socio-cultural and ethno-moral principles of communities in Kenya. Whether with permanent marks like tattoos or scars, or temporary decorations like makeups, clothing and hairstyles. Adornment is a way of signaling an individual's place in society, marking a special moment, celebrating a transition in life or simply following a fashion. This paper analyses the history of adornment practices from ancient civilizations in Kenya. The study was informed by cultural history theory. Cultural history focuses on the changes and practices in human agency. Culture is transmitted across generations through the memory which is a faculty of the individual mind. Adornment is part of societal practices and basically the skin serves as a visible way of defining individual identity and cultural differences. It also serves as a text upon which reality is inscribed. Since the nineteenth to the twenty first century...

Savings and Credit co-operative Societies (SACCOs) growth has been threatened by competition from... more Savings and Credit co-operative Societies (SACCOs) growth has been threatened by competition from other mainstream financial institutions due to members discontent with the value for their contributions made. Studies have shown that adverse financial performance of SACCOs has made it difficult to maximize members’ wealth and even survive in the competitive environment in which they operate. The failure to have positive financial performance by SACCOs is theoretically grounded to inappropriate capital structure, weak accumulation of institutional capital, poor savings culture by members towards share capital and members’ deposits. The objective of the study is to examine the Impact of debt capital on financial performance of SACCOs in Kenya. The study used descriptive design in soliciting information on the measures of financial performance of SACCOS. The data was collected from the census of 46 SACCOs in Murang’a County using a questionnaire and document review tool.

Godfrey Gitahi Kariuki, popularly known as G.G., is one of the longest serving political leaders ... more Godfrey Gitahi Kariuki, popularly known as G.G., is one of the longest serving political leaders in Kenya’s post-independence history. This is a volume of a peasant boy who contributed to Kenya’s struggle for independence. G.G. Kariuki entered politics since 1959 to date. He has risen in the political arena and equally fell. . He is credited for diverse development of various projects in Laikipia District, such as water, electricity, roads, Market stall. One of the major achievement was the provision of Land. G.G. Kariuki has recently disclosed that MKenya Solidarity Movement will field a presidential candidate in the 2012 general elections. He added that if nominated by the party members, he was willing to vie for the top most seat saying he had what it takes to be the next president. However, the party, Mkenya Solidarity, still remains unknown to the Kenyan masses. His, is the history of a colonial heritage, compulsion to rebel, interpretation of reality, treachery and disillusion...

Hair is inherently inscribed with meaning as a manifestation of personal preference or imposed ru... more Hair is inherently inscribed with meaning as a manifestation of personal preference or imposed rules of conduct.Hair among the Samburu culture is more than simply statement of personal state and style. It is a marker of cultural identity, age, gender, idea; avenue of artistic expression and mastery. This paper discusses hair as a mirror of identity in the Samburu culture. Despite westernism and Christianity the Samburu cultural practices especially adornment has persisted. The study was grounded in the cultural theory of history. The method applied in the study was largely qualitative research. This was done through library search, interview schedules and observation and field photography. This study provides literature to historians, artists, ethnographers, anthropologists and the general public as a body of knowledge and reference material in studying cultural history of other communities.

The linkage between sustainable technological innovations and financial inclusion of the poor pro... more The linkage between sustainable technological innovations and financial inclusion of the poor provides a useful framework for thinking about the potential contributions of M-pesa towards enhancing rural livelihoods and combating rural poverty in Kenya. By focusing on the rural poor and their daily financial money transfer needs and challenges the discussion in this paper is directed to the specific needs and priorities of the poor. M-pesa technological innovations are then viewed not as an end in themselves but as tools to facilitate a range of information, communication and M-banking financial transaction services that contribute to improving rural livelihoods. They can also be viewed as a tool to strengthen the effectiveness, transparency and responsiveness of a range of institutions – public, private and not profit – that serve the financial access needs of the rural poor in Kenya.

Godfrey Gitahi Kariuki, popularly known as G.G., is one of the longest serving political leaders ... more Godfrey Gitahi Kariuki, popularly known as G.G., is one of the longest serving political leaders in Kenya’s post-independence history. Yet, like many of his political contemporaries, his contribution to the historiography of Kenya has been overshadowed by the history of leaders whose careers were defined in Kenya’s colonial experience. The paper presents a short life history of G.G. Kariuki and his role in the politics and development of Laikipia County. The County has a diverse population comprising the Kikuyu, Kalenjin, Turkana, Samburu, a small population of the Maasai and white farmers. As such it is a County inhabited by pastoral nomadic and agricultural communities. It is basically a multiethnic and multi-racial County. The County over the years has experienced inter-ethnic and human-animal conflicts. G.G. Kariuki was instrumental in resolving some of these conflicts. Literature review involved the review of various biographies and autobiographies of Kenya and the rest of Afri...

Africans have visibly continued to embrace colour for various symbolic meanings, particularly wit... more Africans have visibly continued to embrace colour for various symbolic meanings, particularly with regard to clothing within a variety of settings. Clothes bearing varying colours are often the most visible elements during ceremonies. The colours of these clothes often reflect the occasion and define an individual's participation in the ceremony. This paper aims to reveal some of the general functions of colours in diverse African rituals and ceremonies. Data was collected from three sources: observations, secondly was through literature search in the library. Lastly through the researcher's personal experiences and interactions with the people within Nakuru town. The findings established that colour plays a prominent role as a visual symbol for African ceremonies or ritual occasions, establishing identities of individuals and defining relationships.

This paper focuses on globalization as a very important aspect in both the national and internati... more This paper focuses on globalization as a very important aspect in both the national and international arenas. it plays a major role as far as regional blocs are concerned, East Africa included. This study anchors on a pivotal role this phenomenon plays in the East African nation states through a demand for each other’s endowed resources resting on their comparative advantages. Globalization creates a binding structure amongst the East African economies. it encourages cross border movements following the 20 th November 2009 signing of the Common Market Protocol(CMP) agreement yet this attracts and creates dissatisfaction and suspicion among nationals of these countries, economic threats notwithstanding . The developed East African states finally exploit the less developed ones hence marginalizing a few.

Research Journal of Finance and Accounting, 2013

INTERNATIONAL JOURNAL OF RESEARCH IN MANAGEMENT, 2017

Godfrey Gitahi Kariuki, popularly known as G.G., is one of the longest serving political leaders ... more Godfrey Gitahi Kariuki, popularly known as G.G., is one of the longest serving political leaders in Kenya’s post-independence history. Yet, like many of his political contemporaries, his contribution to the historiography of Kenya has been overshadowed by the history of leaders whose careers were defined in Kenya’s colonial experience. The paper presents a short life history of G.G. Kariuki and his role in the politics and development of Laikipia County. The County has a diverse population comprising the Kikuyu, Kalenjin, Turkana, Samburu, a small population of the Maasai and white farmers. As such it is a County inhabited by pastoral nomadic and agricultural communities. It is basically a multiethnic and multi-racial County. The County over the years has experienced inter-ethnic and human-animal conflicts. G.G. Kariuki was instrumental in resolving some of these conflicts. Literature review involved the review of various biographies and autobiographies of Kenya and the rest of Afri...