AbstractsBusiness Management & Administration

Design of a Power Electronics Based Diesel Engine Generator Emulator for Study of Microgrid Related Applications

by Josphat Omanga




Institution: Roskilde University
Department:
Year: 2015
Posted: 02/05/2017
Record ID: 2129972
Full text PDF: http://rudar.ruc.dk/handle/1800/24239


Abstract

The main purpose of this research is to explore how M-PESA is driving financial inclusion in Kenya. The research adopts the deductive approach and qualitative method to answer the problem statement. The research focuses on mobile phone usage trends in relation to landlines, how M-PESA is drawing the rural unbanked populations into the financial system and the role of M-PSEA in food security in the rural areas in Kenya. The research results indicate that Mobile Phone connectivity in Kenya has grown tremendously in the recent past in relation to landlines. The research finds that this growth is in line with the global trend. The research attributes this growth to factors such as: affordability, pricing models, enabling policy regulations, area topography and source for further innovations such as Mobile Money transfer. The research findings show that M-PESA is more of a Business-Model Innovation that is driving financial inclusion and contributing to food security in rural areas in Kenya via pathways such as remittances from urban areas to rural areas in Kenya. The research further finds that M-PESA is driving financial inclusion more than other service providers such as banks because it’s cheap, accessible, convenient, easy to use, and secure and a generally acceptable ICT Payment Technology Model in rural areas in Kenya. To encourage the rural poor people to save more, the research recommends further studies on how M-PESA customers can earn interest on their savings without subjecting the service provider to strict regulations such as those of commercial banks. Advisors/Committee Members: Dreyer, Johannes (advisor).