ADOPTION OF MPESA AND IT’S IMPACTS ON PROFITABILITY OF SMES IN KENYA
- 주제(키워드) SMEs
- 발행기관 아주대학교
- 지도교수 Kim, Tae Bong
- 발행년도 2018
- 학위수여년월 2018. 8
- 학위명 석사
- 학과 국제대학원 국제경영학과
- 실제URI http://www.dcollection.net/handler/ajou/000000027732
- 본문언어 영어
- 저작권 아주대학교 논문은 저작권에 의해 보호받습니다.
초록/요약
A lot of research has been done on the effect of mobile money on efficiency of and outreach of micro-finance loans in developing countries. Yet to date, there has been only few quantitative test to show the factors driving the acceptance of mobile- money service, and whether the level of acceptance has any significant effect on the performance of small and micro-businesses in Kenya. This study investigated factors determining the acceptance of M-PESA service and the effect of M-pesa Service on small and micro-businesses in Kenya. It further investigated the challenges facing M-PESA users in Kenya. The study adopted a survey and case study design on a sample of 1220 small and micro-business operators in Nakuru town in Kenya. ANOVA tests was used to show whether there are differences in average acceptance of the M-PESA service among consumers who had different views regarding: perceived ease of use, social influence, facilitating conditions and trust i.e security of the service. Regression analysis was used to show the actual effect of the acceptance of M-Pesa on small and micro-business performance. Results indicated that, there is a significant difference in acceptance of M-pesa by traders who had: reported different perceived ease of use, social influence, facilitating conditions by the provider and security of the system when transferring money. After controlling for the factors that influences performance, regression results indicated that, acceptance of M-pesa slightly had a positive significant effect on the performance. Security of money transactions, sending money to the wrong persons and lack of electronic money float were identified as challenges facing M-PESA service users and agents in Kenya. The knowledge generated in this study is important to the business community in Kenya and Mobile money service providers in Kenya. A conclusion can be reached that M-Pesa is an intervention in business world that has contributed to improvement in performance of small and micro-business in Kenya. The recommendation is that micro-businesses should embrace mobile banking, for it is an intervention that will go a long way in improving lives for Kenyans.
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Table of Contents
CHAPTER ONE 1
INTRODUCTION TO THE STUDY 1
1.1 MPESA 1
1.2 M-Pesa Structure 3
1.3 Advantages of Lipa na MPESA Service in Kenya 5
1.4 SMEs 7
1.5 STATEMENT OF THE PROBLEM 9
1.6 OBJECTIVES OF THE STUDY 10
1.7 Conceptual framework 10
1.8 Significance of the Study 11
1.9 Scope and Limitations of the Study 11
CHAPTER TWO 12
LITERATURE REVIEW 12
2.1 MOBILE FINANCE AND GROWTH OF SMES 12
2.2 GROWTH OF SMEs 15
2.3 Mobile Money perceived ease of use 16
2.4 Social influence 18
2.5 Facilitating conditions 19
2.6 Trust/security 20
2.7 Summary and Literature gaps 21
CHAPTER 3 23
RESEARCH METHODOLOGY 23
3.0 Introduction 23
3.1 Sampling and Data analysis 23
3.2 Data Collection Procedure 24
3.3 RESULTS AND FINDINGS 24
CHAPTER 4 33
4.1 CONCLUSION AND IMPLICATIONS 33
4.2 Recommendations 34
REFERENCES 36
APPENDICES 40
APPENDIX I: Survey Cover Letter 40
APPENDIX II: Questionnaire 41
