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Assessing The Predictability Of Rainfall In Southern Africa With Focus On Eswatini Using Global Ocean And Atmosphere Indicators
No full textSouthern Africa and Eswatini in particular rely heavily on rainfall for agricultural production which supports socio-economic activities. Thus, skilful and timely rainfall predictions are very imperative, since it is only the prediction information that can be used to trigger actions that lead to reduction of climate related hazards. The predictive potential of rainfall in southern Africa and more especially in Eswatini using dominant ocean and atmosphere indicators was established while seeking to investigate the potential for predicting rainfall in Eswatini with increased time leads. The study was motivated by the significant role of rainfall variability in influencing social and economic activities in the sub-region and the need to avail skilful climate forecasts in advance of the target season.
Rainfall data from stations in Eswatini and gridded rainfall data from the Global Precipitation and Climatology Centre were used in the analysis, together with global wind, mean sea level pressure and sea surface temperature data sets drawn from the NCEP/NCAR reanalysis. The study used principal component analysis (PCA) or empirical orthogonal functions (EOFs) as the main analysis method while principal component regression was used for developing statistical rainfall prediction models. The ENSO phenomenon was found to cause the second greatest variability in the global SSTs after the general warming of the global oceans which had the largest variance.
A notable outcome from the study is that circulation at upper levels of the atmosphere have an important contribution to the predictability of rainfall in Eswatini. Using the station rainfall data, models for predicting December-January-February (DJF) rainfall anomalies were developed and a lead time of 3 months using June-July-August (JJA) predictors was found to be viable with good and useful results
Evaluation Of Early Infant Diagnosis Surveillance System In Kenya
No full textKenya is one of the 22 priority countries focused for lessening of mother-to-Child transmission (mtCt) of Human immunodeficiency virus. The worldwide super-fast-track framework propelled in 2016 points at ending new HIV infections among children (start free) and keeping their mothers alive, adolescents (stay free) and end pediatric and adolescent aids (aidsfree) by 2020. Identifying infants infected early and starting them on Anti-retroviral therapy as soon as possible after diagnosis is fundamental to moderate the movement from HIV infection to AIDS and to prolong the life of the patient. The objective of the assessment was to describe the attributes and process of operation of HIV/AIDS early infant diagnosis surveillance system in Kenya, determine if the set objectives for establishing the HIV/AIDS Early infant diagnosis surveillance system and to make appropriate recommendations for improving the surveillance system in Kenya. On methodology, surveillance evaluation involved qualitative method and review of January-June 2018 early infant surveillance data. A new early infant diagnosis laboratory requisition form was developed after identification comprehensive identification of the gaps. The assesment process was according Center for Disease Control and Prevention (CDC) guidelines on public health surveillance assesment. Key informant (KII) sessions were conducted with health care workers to assess the operation, functionality and key attributes of the surveillance system. Revised early infant diagnosis laboratory request form, piloted the new tool, revision of the new tool after incorporating feed back from the pilot, rolled out of the new tool and updated EID and DHIS2 websites to be in line with the new tool. Data from the EID website before and after the revision of the EID LRF showed an improvement on data quality. Focused mentorship and continuous training on the EID surveillance system is important.a
Department of Psychiatry, University of Nairobi, ; bDepartment of Mental Health, School of Medicine,
Moi University, Eldoret, Keny
Effects of Enterprise Resource Planning on Financial Performance of Financial Institutions in Kenya
No full textThis research investigated the effects of enterprise resource planning on financial performance of Kenyan financial institutions. A descriptive research design was utilized in this study. The research focused on all the 43 licensed commercial banks and 13 microfinance institutions in Kenya. Both secondary and primary data was utilized in this research to acquire the set objective. The quantitative data acquired was evaluated using Statistical Package for Social Sciences (SPSS) version 23 and results were offered in tables. This study applied multiple regressions to define the impacts of ERP on performance of financial institutions in Kenya. From the regression finding, the research ascertained that the four independent variables studied clarified a significant 65.5 percent of performance of financial institution in Kenya while other features and indiscriminate disparities not studied in this study were found to contribute a measly 34.5%of the financial performance of financial institution in Kenya. The research also determined that ERP play a fundamental supporting role in firms and industries, it is responsible for optimum performance in many organizations and supports a spectrum of activities in modern organizations. It permits the realization of financial performance and institution to create an accurate and timely financial data. Predictions from regression revealed that an adoption of enterprise resource planning cause an enhancement in the performance of the financial institutions performance thus enterprise resource planning has significance and positive influence on financial performance of financial establishments. The research also showed that the sizes of financial institutions have significance and positive effect on the institutions’ performance, that is, an increase in the size of the financial institutions by one unit causes an expansion of the performance of the institutions. It was also noted that management effectiveness has an important and positive impact on financial institutions performance. This implied that an improvement in management effectiveness would cause an improvement in financial institutions performance. Finally, the research showed a positive and important relation between capital adequacy and performance of financial institutions. This implied that an increase of capital adequacy by the financial institution leads to an increase in performance of financial institutions. This study recommends that all financial institution in Kenya to adopt ERP to improve their efficiency and promote their financial performance. Based on the outcome of this research, the policy makers should determine the need for an ERP System as this would guide the successful adoption and implementation of the system. Future research could also look at core challenges of the ERP usage and how they can be resolved.This research investigated the effects of enterprise resource planning on financial performance of Kenyan financial institutions. A descriptive research design was utilized in this study. The research focused on all the 43 licensed commercial banks and 13 microfinance institutions in Kenya. Both secondary and primary data was utilized in this research to acquire the set objective. The quantitative data acquired was evaluated using Statistical Package for Social Sciences (SPSS) version 23 and results were offered in tables. This study applied multiple regressions to define the impacts of ERP on performance of financial institutions in Kenya. From the regression finding, the research ascertained that the four independent variables studied clarified a significant 65.5 percent of performance of financial institution in Kenya while other features and indiscriminate disparities not studied in this study were found to contribute a measly 34.5%of the financial performance of financial institution in Kenya. The research also determined that ERP play a fundamental supporting role in firms and industries, it is responsible for optimum performance in many organizations and supports a spectrum of activities in modern organizations. It permits the realization of financial performance and institution to create an accurate and timely financial data. Predictions from regression revealed that an adoption of enterprise resource planning cause an enhancement in the performance of the financial institutions performance thus enterprise resource planning has significance and positive influence on financial performance of financial establishments. The research also showed that the sizes of financial institutions have significance and positive effect on the institutions’ performance, that is, an increase in the size of the financial institutions by one unit causes an expansion of the performance of the institutions. It was also noted that management effectiveness has an important and positive impact on financial institutions performance. This implied that an improvement in management effectiveness would cause an improvement in financial institutions performance. Finally, the research showed a positive and important relation between capital adequacy and performance of financial institutions. This implied that an increase of capital adequacy by the financial institution leads to an increase in performance of financial institutions. This study recommends that all financial institution in Kenya to adopt ERP to improve their efficiency and promote their financial performance. Based on the outcome of this research, the policy makers should determine the need for an ERP System as this would guide the successful adoption and implementation of the system. Future research could also look at core challenges of the ERP usage and how they can be resolved
Assessment Of Occupational Radiation Exposures: A Case Study Of Nuclear Moisture-density Gauge In Construction Industry In Kenya
No full textIn construction industry, nuclear technologies are widely used in quality control; use of nuclear gauges in direct measurements of in-situ moisture and density of compacted granular pavement layers. In Kenya, nuclear gauges are usually recommended for use in most construction projects, but the use of these equipment are not fully integrated in the construction industry to date, partly due to alleged fear of radiation exposures.
This research study sought to investigate the safety of construction workers using the nuclear gauge in Kenya for their occupational exposures as well as general public at various construction sites. The methodology used in the study, involved radiation exposure measurements and the use of questionnaires. A portable multi-purpose survey meter RADOS RDS-110, suitable for detecting and measuring small quantities of gamma, x-ray and beta radiation was used in this study. Radiation exposures measurements were done between 9th September 2015 and 10th October 2015 at a construction site in Marsabit County-Kenya; Lake Turkana Wind Power Project. Radiation dose measurements were taken in-situ during density measurements at 0 m, 5 m and 10 m interval relative to the nuclear density radiation source and at 00, 900 and 1800 angular orientations respectively, relative to the front phase of the nuclear gauge equipment. The calculated annual effective doses were 2.9±0.3 mSvyr−1, 1.4±0.1 mSvyr−1 and 0.5±0.1 mSvyr−1 for 0 m, 5 m and 10 m linear intervals respectively, compliant to occupational limits. Statistical analysis (ANOVA) showed no significant difference exists between measurements in the angular variation. However, the radiation levels were considered a radiological exposure risks at 7.5 m for general public exposure. The overall compliance for radiation safety, amongst the 31 respondents who use nuclear gauge operators was slightly above average at 51%; about a third of the users were untrained, 79% use film badge personal radiation dosage monitoring, surveillance by the regulator for safety compliance was at 59%, whereas use of portable survey meters to monitor radiation was at 42%. In overall, the study, recommends for improvement on the use of the nuclear gauge equipment including training of operators on awareness on radiation safety and monitoring, etc.
Key words: Radiation safety, personal radiation exposure and monitoring, nuclear density gauge
Allelopathic Interactive Effects Of Rice, Cymbopogon, Desmodium, Mucuna And Maize In Uganda
No full textRice is a major food and cash crop under various mixed cropping systems in Uganda. Rice and
some intercrops exhibit allelopathic properties and productivity is on the decline yet little is
known about the causes of allelopathy, declining ecosystem productivity and the potential
benefits from the ecosystems. The main objective of this study was to determine the
compounds in Oryza sativa, Cymbopogon nardus, Desmodium uncinatum, Mucuna pruriens
and Zea mays and their allelopathic interactive effects. Specific objectives were: (i) to identify
the compounds in rice, cymbopogon, desmodium, mucuna and maize; (ii) to determine the
allelopathic potential of compounds in rice, cymbopogon, desmodium, mucuna and maize; (iii)
to determine the effects of allelopathy on striga, crop growth, nutrient uptake and productivity
of rice based intercropping with cymbopogon, desmodium, mucuna and maize; (iv) to evaluate
the allelopathic potential of rice, cymbopogon, desmodium, mucuna and maize mixed mulches
on weeds and rice; (v) to assess the effects of plant powders and aqueous extracts from rice,
cymbopogon, desmodium, mucuna and maize on weeds. Objective (i) was implemented
between June and August 2013 at the National Crops Resources Research Institute (NaCRRI),
Namulonge, Uganda. Plants were uprooted at 45 days after emergence (DAE) and samples
analysed for organic compounds using the National institute of Science and Technology
library. In objective (ii) pot screening, equal compartments agar, germination tests and donor to
receiver plants in the same pot studies were conducted during 2013B. In objective (iii) a screen
house experiment was done at NACRRI during 2013B and two field studies were conducted
during 2014A. In the screen house two different crop species were planted in the same pot and
as sole crops. In the field studies, maize, mucuna, desmodium and cymbopogon were tested in
sole crop and intercrop systems. In objective (iv) on-station and on-farm experiments were
conducted during 2015A. Cymbopogon, mucuna, rice and maize species were each planted and
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uprooted at 55 DAE and combined in sets of three equal proportions of individual stover to
give four types of mulches that were applied under 12 treatments at planting of rice. Objective
(v) was conducted at NACRRI during 2013B and in the field during 2015A. Leaf, stem and
root (LSR)) powders from rice, maize, cymbopogon, desmodium and mucuna were combined
in equal proportions of three to make eight powdered mixtures that were applied to 72 pots in a
screen house. Field studies were conducted on station and on farm with maize, mucuna, rice
and cymbopogon mulches, Butanil herbicide, hand hoeing and rogueing of weeds with a weedy
check. Data were recorded on the compounds in blank forest soil (control), soils potted with
cymbopogon, desmodium, rice, mucuna and maize crops. Data were also collected on
compounds in cymbopogon, desmodium, rice, mucuna and maize stover. Radicle and plumule
length were measured, germinated seeds counted and percent germination, mean germination
time (MGT) and seed germination indices (SGI) calculated for desmodium, rice, mucuna and
maize seedlings. Root lengths, plant height, dry biomass, width and length of leaves, number of
weeds and plants per pot, plant nutrient uptake and reserves in the soil at harvest were
established in potted experiments. Data were collected on maize green leaves, striga per 100
rice plants, total and filled panicles per plant, grains per plant, filled grains per panicle and
grain yield of rice under field studies. Land equivalent ratio, competitive ratio, relative growth
rates (RGR), gross returns, net returns and returns on investments (ROI) were calculated for
different enterprises. Blank soil, cymbopogon, desmodium, rice, mucuna and maize produced
24, 7, 5, 11, 7 and 6 major compounds respectively. Cymbopogon, desmodium, rice, mucuna
and maize predominantly produced 10, 6, 6, 6 and 9 compounds respectively from their stover.
Maize, rice and mucuna leachates reduced the root lengths, height and biomass for weeds. G.
parviflora root and stem growth reduced on application of root exudates. Mean germination
time for test plants increased while the SGI reduced at 75% leachate concentrations. Growth of
rice, mucuna and desmodium reduced when potted with mucuna and maize. Maize potted with
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desmodium and cymbopogon recorded reduced RGR, NPK crop uptake and reserves in the soil
at harvest unlike rice potted with mucuna, desmodium and cymbopogon. Conversely, the
maize growth increased when potted with mucuna and desmodium and with 75% concentration
of rice/ desmodium and rice/maize leachates. Striga weed counts reduced in rice intercropped
with mucuna, desmodium and cymbopogon but increased with maize and thus, reduced rice
tillering under the latter treatment with 63% of the weeds recorded on rice plants. Sole rice and
rice intercropped with cymbopogon produced higher rice grain yields and partial land
equivalent ratio (LER) for rice. The highest combined LER were recorded under rice +
desmodium and rice + cymbopogon cropping systems. Rice + maize and rice + mucuna
intercropping systems were least productive and mucuna was the most competitive crop
followed by maize and cymbopogon. Butanil, hand hoeing twice or thrice and mulching rice
with maize/mucuna based mulches increased rice growth, grain yields and ROI compared to
rice/cymbopogon based mulches which most effectively controlled weeds including striga.
Increasing LSR powder concentrations reduced the number of weeds and mean weight per
weed. Rice/cymbopogon and maize/ mucuna LSR powdered mixtures and liquid bio-extracts
reduced weed densities and weight while Butanil recorded the lowest weed densities and
weight. Highest weed weight/m2 and unit weed weight were under the weedy check. The
highest striga count was recorded under Butanil, 3 and 2 hand hoeing (hh) and there were no
striga under cymbopogon mulches and weedy check. Highest ROI were under 2hh, 3hh and
maize/mucuna based mulches given 1 hand rogueing of weeds. There is high potential to
utilise allelopathy as a weed management technology for increased crop productivity. Further
studies are recommended on the allelopathic potential of the compounds identified in the
current study and in use of C. nardus and M. pruriens for Striga hermonthica weed contro
An Assessment of Factors Influencing Smallholder Farmers’ Willingness to Adopt Mushroom Production for Livelihood Diversification in Vihiga County, Kenya
No full textPoverty is a critical problem in many parts of the world, especially in the developing countries. This has necessitated policy makers to have a keen interest in seeking ways of improving livelihoods and alleviating poverty. Agriculture remains a key sector for spurring growth, overcoming poverty, and creating employment opportunities in sub-Saharan Africa. However, in areas where land acreage is small, it has become difficult to carry out any profitable agricultural production as a means of livelihood sustenance. There is need to identify enterprises that can be incorporated into the farmers’ production processes that are economically viable. There is limited research on the drivers and the extent of willingness of smallholder farmers’ to adopt mushroom production for livelihood diversification in Vihiga County in Western Kenya.
Using primary survey data from a sample of 240 smallholder farmers, this study assessed the factors that influence smallholder farmers’ willingness to adopt mushroom production as a livelihood diversification option in Vihiga County. Systematic sampling was used to select the respondents, where every 3rd and 5th household was interviewed in sparsely and densely populated areas, respectively to ensure that each household had an equal opportunity at being interviewed. Densely populated areas were mostly found around shopping centres and near tarmac roads. Descriptive statistics used in data analysis included frequencies, percentages and means and they were presented in graphs and tables. These were employed in the characterization of farmers’ socio-economic profiles. A binomial logit model was applied to assess the factors that influence awareness of mushroom production by the farmers in the study area and their willingness to adopt mushroom production as a livelihood diversification option.
Results show that 68.8% of the farmers in the study area were aware of mushroom production and 82.5% of the total respondents were willing to engage in mushroom production as a livelihood diversification option. From the logit analysis, the main factors that were found to have a significant positive influence on farmers’ willingness to engage in mushroom production were age, gender, consumption of mushroom and total land size in acres per household.
Based on the results, it is recommended that the stakeholders in the agricultural sector in the study area begin awareness campaigns of mushroom production as a livelihood diversification option for smallholder farmers in the region. It is also recommended that mushroom production be included in the County’s agricultural strategy. A training strategy on mushroom production could be enhanced by encouraging the farmers to be members of development groups. This is because the development groups are the main channel for information access on new agricultural production practices in the study area. The Agricultural Sector Development Support Programme (ASDSP) in the study area should allocate more funds for awareness campaigns and trainings to ensure that the farmers in the area have knowledge on mushroom production as a livelihood diversification option.
Key words: Poverty, Land, Livelihood Diversificatio
Analysis Of Community Contribution Towards Community Policing In Makina Village Of Kibra Sub County, Nairobi County
No full textCommunity Policing (CP) involves joint efforts of both the police and the locals to discuss
and implement strategies in preventing and reducing crime established through relevant
legislations. However, the contribution of the community in community policing has not
been adequately analyzed and there is insufficient knowledge in this field. The study
therefore provides essential information towards understanding how the community
contributes to community policing in Kenya. The main objective of the study was to
evaluate community contribution towards community policing in security provision in
Kibra while the specific objectives were to analyze the forms and impact of community
contribution towards community policing; to establish the level of social media utilization
in community policing and other community resources used to enhance community
policing. The literature review looked at different forms of Community Policing in
different jurisdictions including the United Kingdom, France, China, Brazil, Japan and
Mozambique. The Study further used Broken Windows Theory and Democratic Theory of
Community Policing to summarize and interpret its data.
The research was undertaken in Makina village, Kibra sub county. It used both quantitative
and qualitative approaches to enrich its data. The unit of analysis was Makina village with
respect to community policing practices and activities. Makina village was divided into
three sections which formed the strata. The sampling procedure used was stratified and
simple random sampling to identify the respondents in each strata and purposive sampling
to identify key informants. The primary respondents were the household heads who were
a representative sample of 0.5% (123) of the population of 25,242 residents. The secondary
respondents were representatives of the Community Policing committee, business leaders,
local administration, National Police Service and members of the focus group discussions.
The data collection techniques used were household surveys, key informant interviews,
focus group discussions and desk reviews that used questionnaires and interview guides.
A pilot study was undertaken as well as peer review to validate the tools of data collection.
The study followed laid out ethical considerations and used the Statistical Package for
Social Sciences (SPSS) version 21 for data analysis.
The study established that the primary forms of community participation in community
policing were reporting crime, participating in community security meetings and elections
of community policing committee officials. The contribution of women as a special
category was also assessed and the study found that women were actively involved in
community policing forums, voicing out their security concerns and sensitizing the
community on security. The study further established that financial contributions were
made towards security on a monthly basis at an average of KShs. 500. The most common
social media applications used to share information on security were WhatsApp and
Facebook which had contributed to reduced crime, increased responsiveness to crime
reports and more awareness about the activities of the CP committee. Other community
resources to enhance CP such as hotlines and floodlights had also led to reduced crime.
The study made recommendations to have awareness creation undertaken by the
government and community policing committees on the meaning of community policing.
There is need to broaden methods of communication using social media and text messages
to capture a wider audience. There is also need for further research on the impact of social
media utilization in community policing
Assessment of Role of Youth Enterprise Development Fund (Yedf) on Youth Empowerment: the Case of Kasarani Constituency
No full textYouth Enterprise Development Fund (YEDF), also known as YEDF, is a youth-initiative program launched in 2007 to empower the youth through entrepreneurship training and job creation. The aim was to provide financial support and business development services to youth-owned enterprises. The fund sought to turn the youth into job creators rather than job seekers (YEDF, 2008). Youth unemployment is not only a national but also a global challenge; the most significant development challenges faced by many third world countries today. 55% of the entire Kenyan population accounts for the unemployed youth. Over half of the unemployed Kenyans comprise of the youth aged between 18-35 years (World Bank 2018). This study assessed the role of youth fund in improving entrepreneurship training among the youth. It also determined the role of YEDF on the start-up of new businesses and whether it contributed to additional youth employment.
The failures of YEDF include not being able to facilitate to develop ties with large enterprises that would enable the participants to learn corporate skills and network with influential people and entities. Additionally, YEDF has failed to address the development of the businesses that the youth already had established and grown them. A principal mandate was to create ties with international businesses and facilitate acquiring jobs abroad, which none of the youth if YEDF was able to benefit. Notably, little has been done on the role of YEDF on youth empowerment and especially in urban areas.
The research employed a cross-sectional design. The target population comprised of 64 registered YEDF beneficiaries and two officials from the ministry of youth in Kasarani constituency. The researcher employed a purposive sampling design to identify potential respondents. The researcher used both primary and secondary sources of data. The research primary data obtained from semi-structured questionnaires.
Similarly, secondary data from relevant journals, books, and publications. The study sought to examine whether the YEDF offered entrepreneurship education to the youth. Only 34% of the respondents received training, while 66% did not. Additionally, according to the results, the majority of the respondents reported that the startup of new business has increased while only a few agreed that the fund contributed to additional employment among the youth. The researcher recommends that the ministry should set sound criteria to ensure those who receive funds can start, run, and manage businesses.
Moreover, skills in entrepreneurship are pivotal in supporting the sustainability of the projects run by the youth. For that reason, the ministry should conduct frequent training to enhance capacity building. Training will go a long way in facilitating creativity and innovations hence job creations. Besides, the findings show that only a meager, 8.6 percent agreed that the project created jobs. Therefore, the government should consider a saving scheme for the beneficiaries to ensure that even where they no longer benefit from the funds, their business lasts beyond the fundin
Enablers and Barriers to the Implementation of Actionaid’s Women Rights Program: Application of Adaptive Management Approach `
No full textThe challenges currently facing development sector is the need to reach the world’s most marginalized population with better and sustainable solutions in the face of complex development challenges. This demand for evidence-based approaches to balance the needs of the targeted beneficiaries and the goals of the funding agencies. One approach that shows considerable promise for addressing these challenges is adaptive management, which by now is broadly seen as a natural, intuitive, and potentially effective way to address decision-making in the face of uncertainties. Yet the concept of adaptive management continues to evolve, and its record of success remains limited. This research has adopted a case study approach to examine and presents some of the enablers and barriers to the application of Adaptive Management Approach. Including looking at the key elements of Adaptive Management Approach present in ActionAid’s Women Rights Program, highlighting the opportunities and challenges.
From the findings, the Women Rights Program at ActionAid has adopted some of the generic cyclical Adaptive Management Approach steps that include: conceptualizing the situation including defining objectives; planning actions and monitoring; implementing actions and monitoring; analyzing data, using the results and adapting; and capturing and sharing learning. However, some of the reported barriers to greater levels of adaptive management include limited communication of its implementation and evaluation, lack of clarity on what is successful adaptive management as well as social, political, financial and technical barriers.
Adaptive Management Approach requires resource decisions to be made and modified as a function of what program implementers learn about the context. Decisions should therefore be modest in scope, scientifically sound, and reversible. Additionally, implementing adaptive practices requires adoption of monitoring and evaluation processes and tools that permit learning from mistakes, to support mid-course changes, building the capacity of the program staff, addressing internal organizational systems and adequately resourcing Adaptive Programs are some of the recommendation drawn from the study
Effects Of Mobile Based Loans On Operational Performance Of Selected Commercial Banks In Kenya
No full textThe banking sector in Kenya is dynamic characterized by stiff competition through entry of other digital lending platforms like Tala and Branch, the changes in the needs of the customers and advancement in technology. Banks are now faced with a challenge of how best to meet or exceed the needs and expectations of their customers given the fact that other new industry participants are now offering credit facilities tailored to the needs of their customers in a timely manner without need for collaterals. Survival in such an environment therefore requires that commercial banks adopt mobile based lending. The study sought to determine then influence of mobile based loans on operational performance of commercial banks. The study was further supported by the following specific objectives: to determine the effect of the quality of mobile based loans on operational performance of selected commercial banks in Kenya, to assess the effect of the quality of non-performing mobile based loans on operational performance of selected commercial banks in Kenya and to establish the effect of firm size and human capital in the relationship between mobile based loans on operational performance of selected commercial banks in Kenya. The study adopted a adopted a correlational design. The target population comprised of 42 commercial banks and census was used. Secondary data was collected in the study over a period from 2014 to 2018. The collected data was analyzed using SPSS by means, standard deviations and regression analysis. The study established that the quality of mobile based loans, quality of mobile based non-performing loans; firms’ size and human capital all have significant effect on operational performance. The study concludes that mobile base loans have significant effect on operational performance. The study recommends that the management team of all commercial banks should significantly invest in mobile based lending platforms including development of Applications (Apps) so that more loan transactions are carried over the mobile phone and thus significant improvement in operational performance. Commercial banks should enhance the monitoring and appraisal systems before issuing loans to customers through the mobile phones. The Central Bank of Kenya (CBK) should formulate sound regulations and guidelines that would safeguard commercial banks from loose of cash through non performing mobile based loans that customers access through their mobile phones. Senior management team of commercial banks in Kenya should invest resources in growing the asset base and hiring more competent and qualified employees as these are key variables that positively enhance operational performance of any banking institutio