Banking Sector Interest Rate Spread In Kenya
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Banking Sector Interest Rate Spread In Kenya
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Author : Njuguna Ndung'u
language : en
Publisher:
Release Date : 2000
Banking Sector Interest Rate Spread In Kenya written by Njuguna Ndung'u and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Interest rates categories.
An Empirical Analysis Of Interest Rate Spread In Kenya
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Author : Rose Ngugi
language : en
Publisher:
Release Date : 2001
An Empirical Analysis Of Interest Rate Spread In Kenya written by Rose Ngugi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Interest rates categories.
Do Interest Rate Controls Work Evidence From Kenya
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Author : Mr.Emre Alper
language : en
Publisher: International Monetary Fund
Release Date : 2019-05-31
Do Interest Rate Controls Work Evidence From Kenya written by Mr.Emre Alper and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-05-31 with Business & Economics categories.
This paper reviews the impact of interest rate controls in Kenya, introduced in September 2016. The intent of the controls was to reduce the cost of borrowing, expand access to credit, and increase the return on savings. However, we find that the law on interest rate controls has had the opposite effect of what was intended. Specifically, it has led to a collapse of credit to micro, small, and medium enterprises; shrinking of the loan book of the small banks; and reduced financial intermediation. We also show that interest rate caps reduced the signaling effects of monetary policy. These suggest that (i) the adverse effects could largely be avoided if the ceiling was high enough to facilitate lending to higher risk borrowers; and (ii) alternative policies could be preferable to address concerns about the high cost of credit.
Assessing The Determinants Of Interest Rate Spread Of Commercial Banks In Kenya An Empirical Investigation
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Author : Maureen Were
language : en
Publisher:
Release Date : 2013
Assessing The Determinants Of Interest Rate Spread Of Commercial Banks In Kenya An Empirical Investigation written by Maureen Were and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
Despite the liberalization of the financial sector, high interest rate spreads is still an issue of concern in a number of African countries, including Kenya. This paper investigates the determinants of interest rate spreads in Kenya's banking sector based on panel data analysis. The empirical results show that bank-specific factors play a significant role in the determination of interest rate spreads. These include bank size based on bank assets, credit risk as measured by non-performing loans to total loans ratio, liquidity risk, return on average assets and operating costs. The impact of macroeconomic factors such as real economic growth and inflation is not significant. Similarly, the impact of policy rate as an indicator of monetary policy is found to be positive but weak. On average, big banks have higher spreads compared to small banks. There is need for explore policy options meant to enhance competition in the industry and measures to break market dominance will be one such option. Further, the banking sector needs to explore internal as well as industry-driven strategies that counter some of the bank-specific factors associated with higher spreads. These could range from diversification of products to investment in cost-saving and efficient forms of technology.
Understanding Interest Rates Structure In Kenya
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Author : Rose Ngugi
language : en
Publisher:
Release Date : 2004
Understanding Interest Rates Structure In Kenya written by Rose Ngugi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Interest rates categories.
Determinants Of Interest Spread In Kenya
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Author : Rose Ngugi
language : en
Publisher:
Release Date : 2004
Determinants Of Interest Spread In Kenya written by Rose Ngugi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Interest rates categories.
Effect Of Interest Rates Spread On Performance
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Author : Leonard Langat
language : en
Publisher: LAP Lambert Academic Publishing
Release Date : 2013
Effect Of Interest Rates Spread On Performance written by Leonard Langat and has been published by LAP Lambert Academic Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
Banks being strategic in constituting a large share of money that is used in every day transactions (money circulation) need to be effective, efficient and competitive in their operations. Interest rates spread, as sensitive economic variable, ought to be adequately harmonized to assure the savers get the best returns on their savings while borrowers similarly get rates appropriate to their investments. This user-friendly book enables research students pursuing MBA to comprehend the effect of interest rates spread on the performance of banking industry in Kenya. The descriptive research design, using a systematic random sampling technique, was utilized from fifteen selected commercial banks in Nairobi. The findings showed that Central Bank regulations, credit risk and macro-economic environment played a major role in influencing the extent of interest rates spread; thus providing sufficient margins for banks to continue operating in the market.
Financial Reforms And Interest Rate Spreads In The Commercial Banking Sector In Kenya
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Author : Daniel Munene
language : en
Publisher:
Release Date : 2005
Financial Reforms And Interest Rate Spreads In The Commercial Banking Sector In Kenya written by Daniel Munene and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Banks and banking categories.
Structural Issues In The Kenyan Financial System
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Author : Thorsten Beck
language : en
Publisher: World Bank Publications
Release Date : 2004
Structural Issues In The Kenyan Financial System written by Thorsten Beck and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Finance categories.
Although by regional standards Kenya's financial system is relatively well developed and diversified, major structural impediments prevent it from reaching its full potential. Cross-country comparisons, however, show the importance of a well developed financial sector for long-term economic growth and poverty alleviation. Experience from other developing economies has shown the detrimental effect of government ownership and the positive impact that foreign bank ownership can have on the development of a market-based financial system. Analyzing and decomposing the high interest rate spreads and margins in Kenya helps identify structural impediments that drive the high cost of and low access to financial services. The limited information sharing on debtors, deficiencies in the legal and judicial system, the limited number of strong and reputable banks, and nontransparency and uncertainty in the banking market are major impediments to the development of Kenya's financial system, and to reducing spreads and widening access. This paper--a product of the Finance Team, Development Research Group--is part of a larger effort in the group to understand the determinants of financial sector development.
Interest Rates Under A Treasury Bill Regime
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Author : Bernard Mbui Wagacha
language : en
Publisher:
Release Date : 2001
Interest Rates Under A Treasury Bill Regime written by Bernard Mbui Wagacha and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Financial institutions categories.