18新利网址国际会计、财务和管理科学学术研究期刊

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ISSN: 2225 - 8329

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目前面对微金融机构的背景情况是从前一期的不同。他们经历了令人难以置信的高科技波动,经济不确定性,雄性竞争,迅速的社会变化和行政规则。商业环境中的这些变化决定了微金融机构的成就和有效性。统计数据显示,肯尼亚金融业的激烈竞争已在其资产减少方面看到行业对国内生产总值的影响,并且高度挥发的金融环境导致了金融部门债务的不偿还债券。通过控制利率,借款人的重点从微金融机构转移,将高利率与商业银行收取,这将收取低于14%。因此,微金融机构正面临着挑战并生存,需要采用竞争力的策略。本研究希望评估竞争战略对微金融机构绩效的影响。精确地,该研究旨在建立成本领导战略对肯尼亚的微金融机构绩效的影响,以确定分化战略对肯尼亚的微金融机构绩效的影响,审查焦点战略对肯尼亚微金融机构绩效的影响,并建立了创新战略对肯尼亚微金融机构绩效的影响。本研究采用了搬运工的竞争优势理论,基于资源的竞争优势理论和罗杰的扩散理论,以解释研究变量之间的关系。 The study collected primary data using questionnaires. A descriptive survey design was adopted. The Target population comprised of all the 13 licensed MFIS by the Central Bank of Kenya as at the year 2019. A census was conducted on all the 13 MFIs. The unit of observation was heads of corporate banking, Information Technology, Retail banking, Marketing and strategic unit of each MFI. The total target was therefore 65 respondents. Information assembled was scrutinized by aid of descriptive and inferential statistics ranging from frequencies, percentages, correlation and regression. Statistical Package for Social Sciences version 22 was used for Data Analysis. The study found out the Cost leadership strategy, Differentiation strategy, Focus strategy and Innovation Strategy significantly and positively affected the performance of Microfinance institutions in Kenya. The study recommends that cost leadership strategy is an important strategy embraced by MFIs to enable them survive competition in the market. Secondly, MFIs need to understand how to differentiate their products in the market. Third, MFIs need to focus in a given market and provide excellent products to be able to grow. Lastly, MFIs need to embrace innovation as a strategy to drive their competitiveness in the financial markets. It is suggested that another study be done using SACCOs in order to develop a broader perspective of Performance using the same objectives. In addition, another study can be undertaken on commercial banks in Kenya to find out the effect of competitive strategies on their performance.

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