Bio

MRS. KITHINJI ANGELA M CV

Publications


2019

Kithinji, AM.  2019.  The Effect of Government Expenditure on Fiscal Deficits in Kenya. THE INTERNATIONAL JOURNAL OF SCIENCE & TECHNOLEDGE . 7(2):122-125. Abstract

Abstract:
In many economies world over, accountability and transparency as well as fiscal discipline in public expenditures take
priority as the main catalysts to economic growth. However, large fiscal deficits have been reported in most developing
countries which lead to inflation and currency devaluations. In this case, Kenyan government is no exception as its
expenditures are consistently way above its revenues. This study therefore attempted to assess the relationship between
government expenditure and fiscal deficit in Kenya. This study used a causal research design. Secondary data was
obtained from the financial records of National Bureau of Statistics, The Economic Surveys, Kenya Institute of Policy
Analysis and Research (KIPRA) and the Institute of Policy Analysis and Research (IPAR) ranging from year 2004/05 to
2010/11. Regression model was used to estimate the effect of government expenditure on fiscal deficits. The study
established that a unit increase in government expenditure, increases fiscal deficit of GDP. The study recommends that
the government of Kenya should come up with strong working policy to regulate the expenditure of its resources.

Keywords: Government expenditure, fiscal deficits, recurrent expenditures, development expenditures, budget deficits

Kithinji, AM.  2019.  The Effect of Bank Restructuring on Financial Performance Controlled by Customer Deposits: An Empirical Investigation of Commercial Banks in Kenya . INTERNATIONAL JOURNAL FOR INNOVATIVE RESEARCH IN MULTIDISCIPLINARY FIELD. 5(1):13-19. Abstract

Abstract: The ability of commercial banks to provide market knowledge, transaction efficiency and contract
enforcement create demand for its services in the financial markets. Commercial banks operating in Kenya have
undertaken restructuring so as to be more competitive, to restore bank solvency, to increase the banking sector
capacity for financial intermediation and to improve financial performance. Previous researches done on the aspects
of bank restructuring and financial performance found conflicting results and some of them did not include the
intervening effect of deposits on this relationship. The study is informed by the theory of financial intermediation,
agency theory, and the institutional theory. This study sought to investigate the relationship between bank
restructuring, deposits and financial performance of commercial banks in Kenya. The population of the study was
the 44 commercial banks licensed and registered under the banking act to do business in Kenya but data availed
from financial statements of 39 commercial banks which were in operation for the period 2002 to 2014. Descriptive
and inferential data analysis methods were used to analyze the secondary data collected. The empirical findings
conclude that commercial banks use all the four types of bank restructuring which were financial, capital, operational
and asset restructuring. The findings of the first model revealed that capital restructuring, and asset restructuring
were the only variables found to have significant positive and negative influence respectively on the performance of
commercial banks in Kenya. In testing the second hypothesis, deposit were used as an intervening variable on the
relationship between bank restructuring and financial performance, where financial restructuring and capital
restructuring was found to significantly cause an increase in the profit margin of commercial banks while operational
restructuring and deposits were found to have a significant negative effect on bank profits. The composite variable
of financial services was not found to have a significant effect. Therefore, the research disclosed that operational
restructuring, and deposits did not influence banks profitability. The research concludes that the performance of most
commercial banks in Kenya is determined through restructuring banks’ financial and capital ratios The study
recommends that there is need to institute policy reforms geared towards viable restructuring and deposit
mobilization and that to continuously improve bank performance banks should encourage more borrowing and funds
from shareholders and banks need to continuously focus on restructuring rather than ownership.

Key Words: Bank Restructuring, Capital, Financial, Asset, Operational, Deposits.
1. INTRODUCTION:
Bank restructuring is usually undertaken to address the problems in individual banks experiencing

2018

Kithinji, AM.  2018.  BANK SIZE AS A MODERATING FACTOR ON THE RELATIONSHIP BETWEEN BANK RESTRUCTURING AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KENYA . International Journal of Business Management and Economic Review. 5(1):298-307. Abstractdr._angela_kithinji_publications_2018_to_2019_1.pdf

ABSTRACT
The main goal of this research was to examine how bank size moderates the relationship between
bank restructuring and financial performance of commercial banks in Kenya. This study
employed descriptive research design. The study was a census of all the 44 commercial banks in
Kenya which were in operation as at 31st December 2014. This research collected secondary
data gotten from banks annual report for the period of ranging from 2002 to 2014. The regression
analysis model was used to estimate the moderating effect of size on the relationship between
bank restructuring and profitability. The study established that moderation of the relationship
between bank restructuring and financial performance using bank size was not significantly
influenced by financial restructuring, operational restructuring and asset restructuring on
financial performance of commercial banks. However, when bank restructuring variables were
interacted with bank size the findings are that only capital restructuring had a significant
interaction. It was therefore, concluded that bank size therefore moderates the relationship
between bank restructuring and financial performance. The study recommends that there is need
to institute policy reforms geared towards increasing the size of banks either internally by
increasing their asset size or through mergers to expand their size. The regulator can also embark
on setting a minimum size threshold with a view to significantly reducing the number of banks
which would translate into the remaining ones becoming larger. Furthermore, there is need for
commercial banks to strike a balance between enhancing their operations through operational
restructuring or improving profits by focusing on aspects that have a direct positive effect on
profits.

Keyword: Bank Size, Bank Restructuring, Financial Performance, Commercial Banks

2006

M, MRSKITHINJIANGELA.  2006.  IPO's and the Kengen Offer, The Accountant,. Journal of the Institute of Certified Public Accountants of Kenya,. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery
M, MRSKITHINJIANGELA.  2006.  Regulation of MFIs: A Counterview, The Accountant,. Journal of the Institute of Certified Public Accountants of Kenya,. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery
M, MRSKITHINJIANGELA.  2006.  Monitoring and Evaluation (M&E) of Kenya Government: The Perceived Impossibility is Now a Reality, The Accountant,. Journal of the Institute of Certified Public Accountants of Kenya,. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery

2005

M, MRSKITHINJIANGELA.  2005.  The Implications of Deposit Insurance, The Accountant,. Journal of the Institute of Certified Public Accountants of Kenya,. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery

2004

M, MRSKITHINJIANGELA.  2004.  Should Micro-Finance Institutions Worry About the Rate of Interest on Loans they Charge to Small and Micro-Enterprises? The Accountant, Journal of the Institute of Certified Public Accountants of Kenya,. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery

2003

M, MRSKITHINJIANGELA.  2003.  Restructuring Commercial Banks,. The Professional Journal of KASNEB, Issue No.2, .. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery
M, MRSKITHINJIANGELA.  2003.  Bank Loan Recovery Agency: Kenya Case-Critical Issues for Consideration,. The Professional Journal of KASNEB, Issue No.4,. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery
M, MRSKITHINJIANGELA.  2003.  Wrote a Taxation 2 Mannual, BBS 312 for use by the External Degree Students, of the Faculty of External Studies,. University of Nairobi.. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery
M, MRSKITHINJIANGELA.  2003.  Wrote a Costing Mannual, BBS 211 for use by the External Degree Students, of the Faculty of External Studies,. University of Nairobi. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery
M, MRSKITHINJIANGELA.  2003.  Wrote a Taxation 1 Mannual, BBS 311 for use by the External Degree Students, of the Faculty of External Studies,. University of Nairobi.. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery

2001

M, MRSKITHINJIANGELA.  2001.  The Capital Asset Pricing Model,. The Professional Journal of KASNEB, Issue No.2,. : The Indian Journal of Animal Sciences Abstract
Fourteen patients received oral premedication of temazepam in soft gelatin capsules before minor surgery. The plasma concentrations of temazepam and its sedative, anxiolytic and amnesic effects were measured for 24 hours. Absorption was rapid and peak concentrations occurred 49 minutes after administration. Clinical effects were evident at 30 minutes and persisted for about 4 hours. The decline in plasma concentration was biexponential with a distribution half-life of 1.24 hours. The end of the distribution phase coincided approximately with the termination of its clinical effects. A relationship between plasma concentration and effect was observed; concentrations above 300 ng/ml produced measurable changes in tests of mental function. Patients had recovered fully from the effects of temazepam after 24 hours. This dose of temazepam is reliable and effective as premedication before surgery

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