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Effie Kemunto Ombutora

Masters Student, Jomo Kenyatta University of Agriculture and Technology, Kenya

Dr. Fred Mugambi

Jomo Kenyatta University of Agriculture and Technology


Since 2010, there have been significant improvements in the banking sector with the introduction of agency banking, an innovative delivery channel that seeks to bring access to financial services much closer to entrepreneurs. This study sought to find out the role of agency banking on the performance of entrepreneurs in Kibera, Nairobi. This research adopted a census survey study where a total population of 34 entrepreneurs were selected from Kibera. Data was collected and administered using structured questionnaires to the entrepreneurs. The study used descriptive data analysis tools to test and establish the relationship between agency banking and the role on entrepreneur’s performance. Data analysis was done with the aid of SPSS software and results presented in form of table, pie charts and graphs. From the findings, the transaction costs like deposis costs, withdrawal cost was established and the result shows that twenty four respondents (70%) agreed that transaction cost affect the performance of agency banking. Fifteen respondents (44%) disagreed that regulation and policies affect the performance while fifteen respondents (44%) agreed with the same. On the issue of commission, 100% agreed that commission disbursement method does not affect the agency performance while twenty six respondents (76%) agreed that security affects the agency performance. In conclusion and recommendation, the study found out that poor security within Kibera negatively affect the agency performance, the time transactions take positively influence agency performance, regulations directly affect the performance of agent entrepreneurs, the agents agreed that the commissions offered do not have a direct effect on their performance and as a result there was need to abolish the deposit cost charged to clients to boost the performance of agency entrepreneurs and improvement on the commission given to the entrepreneurs. The Government should also boost security within the region and regulations such as float restrictions should be removed to enhance the agent entrepreneur’s performance.

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