Njoroge, Lucas

Factors driving usage of financial services from different financial access strands in Kenya

Alfred Ouma Shem, Roseline Misati and Lucas Njoroge
Savings and Development Vol. 36(2012), No. 1, pp. 71-89

his study uses data from the 2006 and 2009 national financial access (FinAccess) surveys to examine factors influencing financial service choices that households make. The findings indicate that households’ access to financial services is based [...]

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Macroeconomic developments and banks’ behaviour in Kenya: a panel data analysis

Lucas Njoroge and Anne Wangari Kamau
Savings and Development Vol. 34(2010), No. 2, pp. 191-217

This paper examines the effect of macroeconomic developments on performance, credit quality and lending behaviour of banks in Kenya, by estimating a dynamic panel data model using Generalized Method of Moments. The paper finds banks’ behaviour to [...]

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