This paper focuses on social capital as a determinant of health micro insurance uptake by informalsector workers in eight regions (Lake, North Rift, Central, Pwani, South Eastern, Frontier counties,Narok-Kajiado and Nairobi) in Kenya. Further moderating effects of mobile telephone technology wasexplored to find out its influence on the health micro insurance uptake. The study target populationcomprised 7,399,347 micro and small enterprises while sample size of 1,387 was selected out of thepopulation using stratified sampling technique. Social capital was found positive and significant (pvalue<0.05) in relation to health micro insurance uptake. The mobile telephone technology was found positiveand significant (p-value< 0.05) in seven regions while Nairobi region, it was found to benegative and insignificant (p- value=0.123). The study found that social capital is an important factorto consider when selling micro insurance products.
Horticultural financing has a large effect on performance of financial institutions in Kenya. The lending policies adopted by a financial institution affect the volume of loan applications that a lending institution attracts. Financial institutions’ horticultural financing lending policies hamper access to horticulture products loans that increase output by improving farming practices. This research was therefore designed to investigate the horticultural lending policies and performance of financial institutions in Kenya. It is on this premise that the researcher sought to establish whether horticultural lending policies affect financial institutions performance in Kenya. The target population of this study was 54 financial institutions comprising 41 commercial banks and 13 registered Microfinance Institutions in Kenya. The study adopted a descriptive cross-sectional survey was adopted. Data was collected through a survey using self-administered questionnaires administered to the heads of credit and credit line managers of the various financial institutions. The data was analyzed using descriptive and inferential statistics. The findings revealed that horticultural financing lending policies positively and significantly (P-Value, 0.00) affect the performance of financial institutions in Kenya. From the findings, lending policies was positively related to the performance of financial institutions in Kenya.
The purpose of this paper is to analyse the relationship between perceived value proposition and health microinsurance uptake by the informal sector workers in Kenya. Health microinsurance plays a key role in boosting the long-term growth potential of an economy. In Kenya, the right to health is a fundamental human right guaranteed in its constitution. Overall results indicated that that perceived value proposition had significant (P-value 0.00) interaction with health microinsurance uptake. The study also found 13.7% interaction effect between perceived value proposition and uptake of health micro insurance. This study therefore, provides understanding to the industry players for the need to innovate and strategize on what alternatives may increase health microinsurance uptake and sustainability of renewals. It therefore contributes to the understanding of the industry players in developing marketing strategies that recognize the sector characteristics in terms of structure, size, age and ownership as factor that impact on the uptake of HMI.
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