{"id":68,"date":"2025-04-26T06:42:55","date_gmt":"2025-04-26T06:42:55","guid":{"rendered":"https:\/\/kba.co.ke\/site25\/?page_id=68"},"modified":"2026-03-07T08:44:55","modified_gmt":"2026-03-07T05:44:55","slug":"working-paper-series","status":"publish","type":"page","link":"https:\/\/www.kba.co.ke\/site25\/working-paper-series\/","title":{"rendered":"Working Paper Series"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"68\" class=\"elementor elementor-68\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce27fe9 e-flex e-con-boxed e-con e-parent\" data-id=\"ce27fe9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4c1692 ha-has-bg-overlay elementor-widget elementor-widget-heading\" data-id=\"a4c1692\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">One Industry . Transforming Kenya<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3934bea elementor-widget elementor-widget-heading\" data-id=\"3934bea\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Working Paper Series<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd67d1d e-con-full e-flex e-con e-parent\" data-id=\"cd67d1d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0a6a3db e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"0a6a3db\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a870abc elementor-widget elementor-widget-text-editor\" data-id=\"a870abc\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After a successful inaugural Banking Research Conference in 2012, the Centre for Research on Financial Markets and Policy at the Kenya Bankers Association (KBA) launched the Working Paper Series (WPS) to disseminate preliminary findings of banking sector research sponsored by the Association. In 2012, of 10 papers presented, three were eventually published, and over the years, the number of papers has grown tremendously.<\/p><p>The KBA Centre for Research on Financial Markets and Policy sponsors researchers from various institutions, including but not limited to: Central Bank of Kenya; Strathmore University; Kenyatta University; Egerton University; International Monetary Fund; and the Kenya Institute for Public Policy Research and Analysis (KIPPRA), among others.<\/p><p>Papers presented during the 9th Annual KBA Research Conference in 2020 are being carried out going forward in a single volume to enable readers to explore all the papers under the same theme and thus benefit from the diversity of views presented therein.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc83722 animated-slow e-n-tabs-mobile elementor-invisible elementor-widget elementor-widget-n-tabs\" data-id=\"bc83722\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"197670690\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1976706901\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1976706901\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2026\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1976706902\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1976706902\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2025\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1976706903\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1976706903\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2024\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1976706904\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1976706904\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2023\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1976706905\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1976706905\" style=\"--n-tabs-title-order: 5;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2022\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1976706906\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1976706906\" style=\"--n-tabs-title-order: 6;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2021\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1976706907\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1976706907\" style=\"--n-tabs-title-order: 7;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2020\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1976706908\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"8\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1976706908\" style=\"--n-tabs-title-order: 8;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2019\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1976706909\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"9\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1976706909\" style=\"--n-tabs-title-order: 9;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2018\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-19767069010\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"10\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-19767069010\" style=\"--n-tabs-title-order: 10;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2017\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-19767069011\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"11\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-19767069011\" style=\"--n-tabs-title-order: 11;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2016\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-19767069012\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"12\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-19767069012\" style=\"--n-tabs-title-order: 12;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2015\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-19767069013\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"13\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-19767069013\" style=\"--n-tabs-title-order: 13;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2014\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-19767069014\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"14\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-19767069014\" style=\"--n-tabs-title-order: 14;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2013\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-19767069015\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"15\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-19767069015\" style=\"--n-tabs-title-order: 15;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2012\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1976706901\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1976706901\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-04133e3 e-con-full e-flex e-con e-child\" data-id=\"04133e3\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db0264c elementor-widget elementor-widget-shortcode\" data-id=\"db0264c\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_79981\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"79981\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2026\"            id=\"footable_79981\"\n           data-unique_identifier=\"ninja_table_unique_id_5431778_79981\"\n           class=\" foo-table ninja_footable foo_table_79981 ninja_table_unique_id_5431778_79981 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"790\" class=\"ninja_table_row_0 nt_row_id_790\">\n            <td>1.<\/td><td>Cost of Credit, Digital Finance and Bank Capital: Implications for MSME Lending and Performance in Kenya Samuel Tiriongo, Hillary Mulindi, Hesborn Nyagaka & Davis Milimo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"https:\/\/www.kba.co.ke\/site25\/wp-content\/uploads\/2026\/03\/WPS0126-internal.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"789\" class=\"ninja_table_row_1 nt_row_id_789\">\n            <td>2.<\/td><td>MSME Partial Credit Guarantees in Kenya: What 28,000 Loans Reveal About Risk and Pricing By Rogers Ochenge<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"https:\/\/www.kba.co.ke\/site25\/wp-content\/uploads\/2026\/03\/WPS0226-Ochengel.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"791\" class=\"ninja_table_row_2 nt_row_id_791\">\n            <td>3.<\/td><td>Credit Guarantee Schemes and MSME Financing in Kenya: A Firm \u2013 Level Analysis By Anthony Muli, David Ndwiga, Raphael Agung and Samantha Njoroge<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"https:\/\/www.kba.co.ke\/site25\/wp-content\/uploads\/2026\/03\/WPS0326-Muli-et-al.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"792\" class=\"ninja_table_row_3 nt_row_id_792\">\n            <td>4.<\/td><td>Unlocking MSME Credit: Sector Specific Insights from Kenya By Stephanie Kimani<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"https:\/\/www.kba.co.ke\/site25\/wp-content\/uploads\/2026\/03\/WPS0426-Stephanie.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"793\" class=\"ninja_table_row_4 nt_row_id_793\">\n            <td>5.<\/td><td>Commercial Banks ESG integration and MSMEs support: Evidence from Kenya By David Ndwiga<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"https:\/\/www.kba.co.ke\/site25\/wp-content\/uploads\/2026\/03\/WPS0626Ndwiga.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"794\" class=\"ninja_table_row_5 nt_row_id_794\">\n            <td>6.<\/td><td>The Mediating Role of ESG On the Interaction between Green Banking and Financial Performance of Commercial Banks in Kenya By Lucy Maru<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"https:\/\/www.kba.co.ke\/site25\/wp-content\/uploads\/2026\/03\/WPS0926-Maru.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"795\" class=\"ninja_table_row_6 nt_row_id_795\">\n            <td>7.<\/td><td>Bridging The Financial Gap in MSME Financing in Kenya By Salome Wairimu and Doris Kiragu<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"https:\/\/www.kba.co.ke\/site25\/wp-content\/uploads\/2026\/03\/WPS1026-Wairimu-Kiragu.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"796\" class=\"ninja_table_row_7 nt_row_id_796\">\n            <td>8.<\/td><td>Towards a Framework for Sustainable Bank Financing of SMEs in Kenya By Odongo Kodongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"https:\/\/www.kba.co.ke\/site25\/wp-content\/uploads\/2026\/03\/WPS1126-KOdongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"797\" class=\"ninja_table_row_8 nt_row_id_797\">\n            <td>9.<\/td><td>Discouraged Borrowers and Access to Finance: Evidence from Kenyan SMEs By Josea K. Cheruiyot<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"https:\/\/www.kba.co.ke\/site25\/wp-content\/uploads\/2026\/03\/WPS1226-Josea.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1976706902\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1976706902\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-520ddce e-con-full e-flex e-con e-child\" data-id=\"520ddce\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a02ee5 elementor-widget elementor-widget-shortcode\" data-id=\"4a02ee5\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_1973\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"1973\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2025\"            id=\"footable_1973\"\n           data-unique_identifier=\"ninja_table_unique_id_1039849045_1973\"\n           class=\" foo-table ninja_footable foo_table_1973 ninja_table_unique_id_1039849045_1973 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"165\" class=\"ninja_table_row_0 nt_row_id_165\">\n            <td>1.<\/td><td>Access to Bank Finance by MSMEs: Size and Turnover Effects Samuel Tiriongo, Roselyne Njino and Hillary Mulindi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba-61qq.wp1.sh\/wp-content\/uploads\/2025\/05\/Access-to-Bank-Finance-by-MSMEs-Size-and-Turnover-Effects-Samuel-Tiriongo-Roselyne-Njino-and-Hillary-Mulindi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"164\" class=\"ninja_table_row_1 nt_row_id_164\">\n            <td>2.<\/td><td>Macro-Imbalances and Bank Lending: A Case of Kenya\u2019s Banking Industry Raphael Agung; Anthony Muli; David Ndwiga and Samantha Njoroge<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba-61qq.wp1.sh\/wp-content\/uploads\/2025\/05\/Macro-Imbalances-and-Bank-Lending-A-Case-of-Kenyas-Banking-Industry-Raphael-Agung-Anthony-Muli-David-Ndwiga-and-Samantha-Njoroge.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"166\" class=\"ninja_table_row_2 nt_row_id_166\">\n            <td>3.<\/td><td>Understanding Bank Demand for Sovereign Debt and Its Systemic Risk Implications: The Kenyan Experience Rogers Ochenge<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba-61qq.wp1.sh\/wp-content\/uploads\/2025\/05\/Understanding-Bank-Demand-for-Sovereign-Debt-and-Its-Systemic-Risk-Implications-The-Kenyan-Experience-Rogers-Ochenge.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"167\" class=\"ninja_table_row_3 nt_row_id_167\">\n            <td>4.<\/td><td>Monetary Policy at the turn of Financial Markets: A Forerunner or Follower? Jared Osoro and Camilla C. Talam<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba-61qq.wp1.sh\/wp-content\/uploads\/2025\/05\/Monetary-Policy-at-the-turn-of-Financial-Markets-A-Forerunner-or-Follower-Jared-Osoro-and-Camilla-C.-Talam.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"168\" class=\"ninja_table_row_4 nt_row_id_168\">\n            <td>5.<\/td><td>Sovereign debt sustainability and private sector credit in Kenya Odongo Kodongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba-61qq.wp1.sh\/wp-content\/uploads\/2025\/05\/Sovereign-debt-sustainability-and-private-sector-credit-in-Kenya-Odongo-Kodongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"169\" class=\"ninja_table_row_5 nt_row_id_169\">\n            <td>6.<\/td><td>Twin Deficits or Distant Cousins - Why the Distinction Matters for Banks in Kenya Josea Kiplangat and Jared Osoro<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba-61qq.wp1.sh\/wp-content\/uploads\/2025\/05\/Twin-Deficits-or-Distant-Cousins-Why-the-Distinction-Matters-for-Banks-in-Kenya-Josea-Kiplangat-and-Jared-Osoro.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"170\" class=\"ninja_table_row_6 nt_row_id_170\">\n            <td>7.<\/td><td>Does Bank credit mitigate nature and climate change effects in cereal production Peter Wamalwa, Anne Kamau, Maureen Odongo & Roseline Misati<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba-61qq.wp1.sh\/wp-content\/uploads\/2025\/05\/Does-Bank-credit-mitigate-nature-and-climate-change-effects-in-cereal-production-Peter-Wamalwa-Anne-Kamau-Maureen-Odongo-Roseline-Misati.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"171\" class=\"ninja_table_row_7 nt_row_id_171\">\n            <td>8.<\/td><td>Macroeconomic Imbalances Evolution and their Effect on Bank Intermediation Cost in Kenya David Ndwiga and Geraldine Makunda<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba-61qq.wp1.sh\/wp-content\/uploads\/2025\/05\/Macroeconomic-Imbalances-Evolution-and-their-Effect-on-Bank-Intermediation-Cost-in-Kenya-David-Ndwiga-and-Geraldine-Makunda.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"172\" class=\"ninja_table_row_8 nt_row_id_172\">\n            <td>9.<\/td><td>Capital, Competition and Stability Nexus in the Kenya Banking Sector Samuel Kiemo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba-61qq.wp1.sh\/wp-content\/uploads\/2025\/05\/Capital-Competition-and-Stability-Nexus-in-the-Kenya-Banking-Sector-Samuel-Kiemo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1976706903\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1976706903\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-71ee395 e-con-full e-flex e-con e-child\" data-id=\"71ee395\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12360b7 elementor-widget elementor-widget-shortcode\" data-id=\"12360b7\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_1993\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_2\" data-footable_id=\"1993\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2024\"            id=\"footable_1993\"\n           data-unique_identifier=\"ninja_table_unique_id_1389722561_1993\"\n           class=\" foo-table ninja_footable foo_table_1993 ninja_table_unique_id_1389722561_1993 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"174\" class=\"ninja_table_row_0 nt_row_id_174\">\n            <td>1.<\/td><td>Analysis of Drivers of Customer Satisfaction to inform Customer Centricity: Banking Sector Perspectives \u2013 Hillary Mulindi, Hesborn N. Nyagaka, Josea Kiplang\u2019at Christine Onyango and Samuel Tiriongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Analysis-of-Drivers-of-Customer-Satisfaction-to-inform-Customer-Centricity-Banking-Sector-Perspectives-\u2013-Hillary-Mulindi-Hesborn-N.-Nyagaka-Josea-Kiplangat-Christine-Onyango-and-Samuel-Tiriongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"173\" class=\"ninja_table_row_1 nt_row_id_173\">\n            <td>2.<\/td><td>Fiscal and Monetary Policy Interaction During Economic Shocks: A Wedge or Bridge for Bank Profitability? \u2013 Jared Osoro and Josea Kiplangat<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Fiscal-and-Monetary-Policy-Interaction-During-Economic-Shocks-A-Wedge-or-Bridge-for-Bank-Profitability-\u2013-Jared-Osoro-and-Josea-Kiplangat.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"175\" class=\"ninja_table_row_2 nt_row_id_175\">\n            <td>3.<\/td><td>Bank performance and real sector productivity in East Africa \u2013 Odongo Kodongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Bank-performance-and-real-sector-productivity-in-East-Africa-\u2013-Odongo-Kodongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"176\" class=\"ninja_table_row_3 nt_row_id_176\">\n            <td>4.<\/td><td>Monetary policy risk-taking transmission channel: A case of banking industry in Kenya \u2013 David Ndwiga<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Monetary-policy-risk-taking-transmission-channel-A-case-of-banking-industry-in-Kenya-\u2013-David-Ndwiga.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"177\" class=\"ninja_table_row_4 nt_row_id_177\">\n            <td>5.<\/td><td>Are Gender-diverse Banks Less Risk-averse? Evidence from the Kenyan Commercial Banks. \u2013 Rogers Ochenge<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Are-Gender-diverse-Banks-Less-Risk-averse-Evidence-from-the-Kenyan-Commercial-Banks.-\u2013-Rogers-Ochenge.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"178\" class=\"ninja_table_row_5 nt_row_id_178\">\n            <td>6.<\/td><td>Interest Rate Risk in Kenya: The Banking Sector Stability and Fiscal Risks Nexus \u2013 Camilla Talam & Samuel Kiemo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Interest-Rate-Risk-in-Kenya-The-Banking-Sector-Stability-and-Fiscal-Risks-Nexus-\u2013-Camilla-Talam-Samuel-Kiemo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"179\" class=\"ninja_table_row_6 nt_row_id_179\">\n            <td>7.<\/td><td>Heterogeneity in Bank Responsiveness to Policy and Economic Shocks: The Role of Capitalization \u2013 Gillian Kimundi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Heterogeneity-in-Bank-Responsiveness-to-Policy-and-Economic-Shocks-The-Role-of-Capitalization-\u2013-Gillian-Kimundi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"180\" class=\"ninja_table_row_7 nt_row_id_180\">\n            <td>8.<\/td><td>Implications of Macroeconomic Stabilization Policies on Financial Intermediation \u2013 Stephanie Kimani<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Implications-of-Macroeconomic-Stabilization-Policies-on-Financial-Intermediation-\u2013-Stephanie-Kimani.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"181\" class=\"ninja_table_row_8 nt_row_id_181\">\n            <td>9.<\/td><td>Monetary-Fiscal Policy Interdependence and Pricing Dynamics: Empirical Estimation of Fiscal Dominance in Kenya \u2013 Caspah Lidiema<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Monetary-Fiscal-Policy-Interdependence-and-Pricing-Dynamics-Empirical-Estimation-of-Fiscal-Dominance-in-Kenya-\u2013-Caspah-Lidiema.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"188\" class=\"ninja_table_row_9 nt_row_id_188\">\n            <td>10.<\/td><td>Monetary Policy, Bank Lending, and Inflation in the Post-Pandemic Recovery Era: A Case of the East African Community. \u2013 Ronald Ochen<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Monetary-Policy-Bank-Lending-and-Inflation-in-the-Post-Pandemic-Recovery-Era-A-Case-of-the-East-African-Community.-\u2013-Ronald-Ochen.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"189\" class=\"ninja_table_row_10 nt_row_id_189\">\n            <td>11.<\/td><td>The Influence of Climate Risk on Interest Spread in the Banking Sector Performance in Kenya \u2013 Lucy Maru and Steve Anyona Makambi, PhD<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Influence-of-Climate-Risk-on-Interest-Spread-in-the-Banking-Sector-Performance-in-Kenya-\u2013-Lucy-Maru-and-Steve-Anyona-Makambi-PhD.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1976706904\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1976706904\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-64217c0 e-con-full e-flex e-con e-child\" data-id=\"64217c0\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-389cc49 elementor-widget elementor-widget-shortcode\" data-id=\"389cc49\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2012\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_3\" data-footable_id=\"2012\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2023\"            id=\"footable_2012\"\n           data-unique_identifier=\"ninja_table_unique_id_1753465676_2012\"\n           class=\" foo-table ninja_footable foo_table_2012 ninja_table_unique_id_1753465676_2012 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"191\" class=\"ninja_table_row_0 nt_row_id_191\">\n            <td>1.<\/td><td>Bank credit portfolio allocation in pre and post Covid times \u2013 The power of inherent risks \u2013 David M. Ndwiga<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Bank-credit-portfolio-allocation-in-pre-and-post-Covid-times-\u2013-The-power-of-inherent-risks-\u2013-David-M.-Ndwiga.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"190\" class=\"ninja_table_row_1 nt_row_id_190\">\n            <td>2.<\/td><td>Digital Financial Services Regulations: Their Evolution and Impact on Financial Inclusion in East Africa \u2013 Ronald Ochen and Enock Will Nsubuga Bulime<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Digital-Financial-Services-Regulations-Their-Evolution-and-Impact-on-Financial-Inclusion-in-East-Africa-\u2013-Ronald-Ochen-and-Enock-Will-Nsubuga-Bulime.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"192\" class=\"ninja_table_row_2 nt_row_id_192\">\n            <td>3.<\/td><td>The Effect of FinTech Development on Bank Risktaking: Evidence from Kenya \u2013 Rogers Ochenge<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Effect-of-FinTech-Development-on-Bank-Risktaking-Evidence-from-Kenya-\u2013-Rogers-Ochenge.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"193\" class=\"ninja_table_row_3 nt_row_id_193\">\n            <td>4.<\/td><td>Sustainable Financing, Climate Change Risks and Bank Stability in Kenya \u2013 Maureen Odongo, Roseline Misati, Caren Kageha and Peter Wamalwa<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Sustainable-Financing-Climate-Change-Risks-and-Bank-Stability-in-Kenya-\u2013-Maureen-Odongo-Roseline-Misati-Caren-Kageha-and-Peter-Wamalwa.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"194\" class=\"ninja_table_row_4 nt_row_id_194\">\n            <td>5.<\/td><td>Does the fintech ecosystem promote effective financial inclusion in Kenya? \u2013 Odongo Kodongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Does-the-fintech-ecosystem-promote-effective-financial-inclusion-in-Kenya-Odongo-Kodongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"195\" class=\"ninja_table_row_5 nt_row_id_195\">\n            <td>6.<\/td><td>Fintech and Bank Stability in a Small-Open Economy Context: The Case of Kenya \u2013 Jared Osoro and Josea Kiplangat<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Fintech-and-Bank-Stability-in-a-Small-Open-Economy-Context-The-Case-of-Kenya-Jared-Osoro-and-Josea-Kiplangat.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"196\" class=\"ninja_table_row_6 nt_row_id_196\">\n            <td>7.<\/td><td>Legal & Regulatory Framework for Digital Financial Services in Kenya \u2013 A Case for Urgent Reforms \u2013 Jackson Macharia Githu<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Legal-Regulatory-Framework-for-Digital-Financial-Services-in-Kenya-A-Case-for-Urgent-Reforms-Jackson-Macharia-Githu.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"197\" class=\"ninja_table_row_7 nt_row_id_197\">\n            <td>8.<\/td><td>The Impact of the COVID-19 Pandemic on Bank Lending \u2013 A Sectoral Analysis \u2013 Stephanie Kimani<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Impact-of-the-COVID-19-Pandemic-on-Bank-Lending-A-Sectoral-Analysis-Stephanie-Kimani.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"198\" class=\"ninja_table_row_8 nt_row_id_198\">\n            <td>9.<\/td><td>Climate Change and Banking Sector (In)Stability in Kenya: A Vulnerability Assessment \u2013 Gillian Kimundi & Reuben Wambui<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Climate-Change-and-Banking-Sector-In-Stability-in-Kenya-A-Vulnerability-Assessment-Gillian-Kimundi-Reuben-Wambui.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"199\" class=\"ninja_table_row_9 nt_row_id_199\">\n            <td>10.<\/td><td>The Greening of Kenya\u2019s Banking Sector: Macro-Financial Stability Implications of a Low Carbon Transition \u2013 Camilla C, Talam & Lucy Maru<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Greening-of-Kenyas-Banking-Sector-Macro-Financial-Stability-Implications-of-a-Low-Carbon-Transition-Camilla-C-Talam-andLucy-Maru.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"200\" class=\"ninja_table_row_10 nt_row_id_200\">\n            <td>11.<\/td><td>Risk-Based Credit Pricing in Kenya: The role of Banks\u2019 internal factors \u2013 Samuel Tiriongo, Kiplangat Josea and Hillary Mulindi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Risk-Based-Credit-Pricing-in-Kenya-The-role-of-Banks-internal-factors-Samuel-Tiriongo-Kiplangat-Josea-and-Hillary-Mulindi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1976706905\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1976706905\" data-tab-index=\"5\" style=\"--n-tabs-title-order: 5;\" class=\" elementor-element elementor-element-a83a49e e-con-full e-flex e-con e-child\" data-id=\"a83a49e\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb67d8b elementor-widget elementor-widget-shortcode\" data-id=\"cb67d8b\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2027\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_4\" data-footable_id=\"2027\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2022\"            id=\"footable_2027\"\n           data-unique_identifier=\"ninja_table_unique_id_978569397_2027\"\n           class=\" foo-table ninja_footable foo_table_2027 ninja_table_unique_id_978569397_2027 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"206\" class=\"ninja_table_row_0 nt_row_id_206\">\n            <td>1.<\/td><td>Asset Quality Assessment in the Absence of Quality Data towards Optimal Credit Intermediation \u2013 Andrew Kioi Njeru<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Asset-Quality-Assessment-in-the-Absence-of-Quality-Data-towards-Optimal-Credit-Intermediation-Andrew-Kioi-Njeru.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"205\" class=\"ninja_table_row_1 nt_row_id_205\">\n            <td>2.<\/td><td>COVID-19, Policy Interventions, Credit Vulnerabilities and Financial (In)Stability \u2013 Gillian Kimundi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/COVID-19-Policy-Interventions-Credit-Vulnerabilities-and-Financial-In-Stability-\u2013-Gillian-Kimundi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"207\" class=\"ninja_table_row_2 nt_row_id_207\">\n            <td>3.<\/td><td>The impact of Artficial Intelligence and how it is shaping Banking \u2013 Joseph Theuri and John Olukuru<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-impact-of-Artficial-Intelligence-and-how-it-is-shaping-Banking-\u2013-Joseph-Theuri-and-John-Olukuru.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"208\" class=\"ninja_table_row_3 nt_row_id_208\">\n            <td>4.<\/td><td>COVID-19 and the Finance-economic Growth Nexus in Kenya \u2013 Benjamin O. Maturu<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/COVID-19-and-the-Finance-economic-Growth-Nexus-in-Kenya-\u2013-Benjamin-O.-Maturu.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"209\" class=\"ninja_table_row_4 nt_row_id_209\">\n            <td>5.<\/td><td>The effect of Revenue Diversification on Bank Profitability and Stability during the COVID-19 Pandemic: Evidence from Kenya \u2013 Rogers Ochenge<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-effect-of-Revenue-Diversification-on-Bank-Profitability-and-Stability-during-the-COVID-19-Pandemic-Evidence-from-Kenya-\u2013-Rogers-Ochenge.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"210\" class=\"ninja_table_row_5 nt_row_id_210\">\n            <td>6.<\/td><td>Macroeconomic Shocks and Cedit Risk in the Kenyan Banking Sector \u2013 Faith Atiti, Stephanie Kimani and Raphael Agung<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Macroeconomic-Shocks-and-Cedit-Risk-in-the-Kenyan-Banking-Sector-\u2013-Faith-Atiti-Stephanie-Kimani-and-Raphael-Agung.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"211\" class=\"ninja_table_row_6 nt_row_id_211\">\n            <td>7.<\/td><td>Bank Capital, Credit Risk and Financial Stability in Kenya \u2013 Samuel Kiemo, Camilla Talam, Irene W. Rugiri<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Bank-Capital-Credit-Risk-and-Financial-Stability-in-Kenya-\u2013-Samuel-Kiemo-Camilla-Talam-Irene-W.-Rugiri.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"212\" class=\"ninja_table_row_7 nt_row_id_212\">\n            <td>8.<\/td><td>Banking System Adjustment to Shock: The Kenyan Case of Liquidity-Profitability Trade-Offs \u2013 Jared Osoro and Kiplangat Josea<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Banking-System-Adjustment-to-Shock-The-Kenyan-Case-of-Liquidity-Profitability-Trade-Offs-\u2013-Jared-Osoro-and-Kiplangat-Josea.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"213\" class=\"ninja_table_row_8 nt_row_id_213\">\n            <td>9.<\/td><td>What Drives MSME\u2019s Credit Choices? Business Versus Personal Loan Account Utilization in Kenya \u2013 Hillary Mulindi, Kiplangat Josea and Samuel Tiriongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/What-Drives-MSMEs-Credit-Choices-Business-Versus-Personal-Loan-Account-Utilization-in-Kenya-\u2013-Hillary-Mulindi-Kiplangat-Josea-and-Samuel-Tiriongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1976706906\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1976706906\" data-tab-index=\"6\" style=\"--n-tabs-title-order: 6;\" class=\" elementor-element elementor-element-badb561 e-flex e-con-boxed e-con e-child\" data-id=\"badb561\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cb6999 elementor-widget elementor-widget-shortcode\" data-id=\"1cb6999\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2045\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_5\" data-footable_id=\"2045\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2021\"            id=\"footable_2045\"\n           data-unique_identifier=\"ninja_table_unique_id_328545739_2045\"\n           class=\" foo-table ninja_footable foo_table_2045 ninja_table_unique_id_328545739_2045 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"221\" class=\"ninja_table_row_0 nt_row_id_221\">\n            <td>1.<\/td><td>What Ails Bank Deposit Mobilization and Credit Creation in Kenya? \u2013 Benjamin Ongwae Maturu<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/What-Ails-Bank-Deposit-Mobilization-and-Credit-Creation-in-Kenya-\u2013-Benjamin-Ongwae-Maturu.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"220\" class=\"ninja_table_row_1 nt_row_id_220\">\n            <td>2.<\/td><td>Macroprudential Regulation and Bank Stability: The Credit Market Signal \u2013 Samuel Kiemo, Anne Kamau, Irene W. Rugiri and Camilla Talam<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Macroprudential-Regulation-and-Bank-Stability-The-Credit-Market-Signal-\u2013-Samuel-Kiemo-Anne-Kamau-Irene-W.-Rugiri-and-Camilla-Talam.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"222\" class=\"ninja_table_row_2 nt_row_id_222\">\n            <td>3.<\/td><td>Market Structure and Banks Pricing Behaviour: The Case of Kenya \u2013 David Muriithi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Market-Structure-and-Banks-Pricing-Behaviour-The-Case-of-Kenya-\u2013-David-Muriithi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"223\" class=\"ninja_table_row_3 nt_row_id_223\">\n            <td>4.<\/td><td>Cost-Benefit Analysis of Bank Regulation: Does Size Matter? \u2013 Hillary Mulindi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Cost-Benefit-Analysis-of-Bank-Regulation-Does-Size-Matter-\u2013-Hillary-Mulindi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"224\" class=\"ninja_table_row_4 nt_row_id_224\">\n            <td>5.<\/td><td>Competition and Credit Allocation in Kenya \u2013 Stephanie Kimani, Faith Atiti and Raphael Agung<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Competition-and-Credit-Allocation-in-Kenya-\u2013-Stephanie-Kimani-Faith-Atiti-and-Raphael-Agung.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"225\" class=\"ninja_table_row_5 nt_row_id_225\">\n            <td>6.<\/td><td>Does Financial Innovation Enhance Financial Deepening and Growth in Kenya? \u2013 Roseline Misati, Jared Osoro and Maureen Odongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Does-Financial-Innovation-Enhance-Financial-Deepening-and-Growth-in-Kenya-\u2013-Roseline-Misati-Jared-Osoro-and-Maureen-Odongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"226\" class=\"ninja_table_row_6 nt_row_id_226\">\n            <td>7.<\/td><td>Market Expectations versus Outcomes: Sectoral Credit Market Analysis in Kenya \u2013 Caroline Kariuki and Samuel Tiriongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Market-Expectations-versus-Outcomes-Sectoral-Credit-Market-Analysis-in-Kenya-\u2013-Caroline-Kariuki-and-Samuel-Tiriongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"227\" class=\"ninja_table_row_7 nt_row_id_227\">\n            <td>8.<\/td><td>Price and Non-Price Competition Interactions: Implicit Pricing of Network Size and Differentiation Effects \u2013 Jared Osoro and Kiplangat Josea<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Price-and-Non-Price-Competition-Interactions-Implicit-Pricing-of-Network-Size-and-Differentiation-Effects-\u2013-Jared-Osoro-and-Kiplangat-Josea.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1976706907\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1976706907\" data-tab-index=\"7\" style=\"--n-tabs-title-order: 7;\" class=\" elementor-element elementor-element-20fbdae e-flex e-con-boxed e-con e-child\" data-id=\"20fbdae\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0dc992 elementor-widget elementor-widget-shortcode\" data-id=\"f0dc992\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2058\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_6\" data-footable_id=\"2058\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2020\"            id=\"footable_2058\"\n           data-unique_identifier=\"ninja_table_unique_id_310225229_2058\"\n           class=\" foo-table ninja_footable foo_table_2058 ninja_table_unique_id_310225229_2058 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"236\" class=\"ninja_table_row_0 nt_row_id_236\">\n            <td>1.<\/td><td>Is the Evolution of Fintech Complementary to Bank Performance in Kenya? \u2013 Roseline Misati, Anne Kamau, Leonard Kipyegon and Lewis Wandaka<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Is-the-Evolution-of-Fintech-Complementary-to-Bank-Performance-in-Kenya\u2013-Roseline-Misati-Anne-Kamau-Leonard-Kipyegon-and-Lewis-Wandaka.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"235\" class=\"ninja_table_row_1 nt_row_id_235\">\n            <td>2.<\/td><td>Do Mergers and Acquisitions Impact Bank Lending Behavior in Kenya? \u2013 Farida Abdul and Rodgers Ochenge<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Do-Mergers-and-Acquisitions-Impact-Bank-Lending-Behavior-in-Kenya\u2013-Farida-Abdul-and-Rodgers-Ochenge.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"237\" class=\"ninja_table_row_2 nt_row_id_237\">\n            <td>3.<\/td><td>The Effects of FinTechs on Bank Market Power and Risk Taking Behaviour in Kenya \u2013 David Ndwiga<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Effects-of-FinTechs-on-Bank-Market-Power-and-Risk-Taking-Behaviour-in-Kenya-\u2013-David-Ndwiga.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"238\" class=\"ninja_table_row_3 nt_row_id_238\">\n            <td>4.<\/td><td>The Effect of Mobile Money on Banking Sector Stability in Kenya \u2013 Samuel Tiriongo and Peter Wamalwa<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Effect-of-Mobile-Money-on-Banking-Sector-Stability-in-Kenya-\u2013-Samuel-Tiriongo-and-Peter-Wamalwa.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"239\" class=\"ninja_table_row_4 nt_row_id_239\">\n            <td>5.<\/td><td>Banking Sector Competition and Intermediation Efficiency in Kenya \u2013 Samuel Kiemo and Anne Kamau<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Banking-Sector-Competition-and-Intermediation-Efficiency-in-Kenya-\u2013-Samuel-Kiemo-and-Anne-Kamau.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"240\" class=\"ninja_table_row_5 nt_row_id_240\">\n            <td>6.<\/td><td>Competition and Banking Sector Stability in Kenya \u2013 Faith Atiti, Raphael Agung & Stephanie Kimani<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Competition-and-Banking-Sector-Stability-in-Kenya-\u2013-Faith-Atiti-Raphael-Agung-Stephanie-Kimani.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"241\" class=\"ninja_table_row_6 nt_row_id_241\">\n            <td>7.<\/td><td>Fintech and Banks Collaboration: Does it Influence Efficiency in the Banking Sector? \u2013 Davis Bundi Ntwiga<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Fintech-and-Banks-Collaboration-Does-it-Influence-Efficiency-in-the-Banking-Sector-\u2013-Davis-Bundi-Ntwiga.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"242\" class=\"ninja_table_row_7 nt_row_id_242\">\n            <td>8.<\/td><td>Market Power and Intermediation Efficiency in Kenya: Blind Spots and Empirical Clarity \u2013 Jared Osoro and Kiplangat Josea<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Market-Power-and-Intermediation-Efficiency-in-Kenya-Blind-Spots-and-Empirical-Clarity-\u2013-Jared-Osoro-and-Kiplangat-Josea.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1976706908\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1976706908\" data-tab-index=\"8\" style=\"--n-tabs-title-order: 8;\" class=\" elementor-element elementor-element-8063ccd e-flex e-con-boxed e-con e-child\" data-id=\"8063ccd\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15fd070 elementor-widget elementor-widget-shortcode\" data-id=\"15fd070\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2068\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_7\" data-footable_id=\"2068\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2019\"            id=\"footable_2068\"\n           data-unique_identifier=\"ninja_table_unique_id_998557601_2068\"\n           class=\" foo-table ninja_footable foo_table_2068 ninja_table_unique_id_998557601_2068 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"251\" class=\"ninja_table_row_0 nt_row_id_251\">\n            <td>1.<\/td><td>Digital Credit, Financial Literacy and Household Indebtedness \u2013 Peter Wamalwa, Irene Rugiri and Julienne Lauler<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Digital-Credit-Financial-Literacy-and-Household-Indebtedness-\u2013-Peter-Wamalwa-Irene-Rugiri-and-Julienne-Lauler.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"250\" class=\"ninja_table_row_1 nt_row_id_250\">\n            <td>2.<\/td><td>Analysis of the Coexistence of Conventional and Unconventional Credit Markets in the Agribusiness Sector in Kenya \u2013 Philip Ngare<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Analysis-of-the-Coexistence-of-Conventional-and-Unconventional-Credit-Markets-in-the-Agribusiness-Sector-in-Kenya-\u2013-Philip-Ngare.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"252\" class=\"ninja_table_row_2 nt_row_id_252\">\n            <td>3.<\/td><td>Credit Allocation Schemes: Perspectives from Credit Providers and Regulatory Regimes in Kenya \u2013 Tiriongo Samuel<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Credit-Allocation-Schemes-Perspectives-from-Credit-Providers-and-Regulatory-Regimes-in-Kenya-\u2013-Tiriongo-Samuel.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"253\" class=\"ninja_table_row_3 nt_row_id_253\">\n            <td>4.<\/td><td>De-risking Opportunities for Banks: Examining Productivity of Sectoral Bank Credit Flows \u2013 Samuel Kiemo and Camilla C. Talam<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/De-risking-Opportunities-for-Banks-Examining-Productivity-of-Sectoral-Bank-Credit-Flows-\u2013-Samuel-Kiemo-and-Camilla-C.-Talam.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"254\" class=\"ninja_table_row_4 nt_row_id_254\">\n            <td>5.<\/td><td>Can FinTech Shape the Dynamics of Consumer Credit Usage among the Un(der)banked? \u2013 Davis Bundi Ntwiga<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Can-FinTech-Shape-the-Dynamics-of-Consumer-Credit-Usage-among-the-Underbanked-\u2013-Davis-Bundi-Ntwiga.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"255\" class=\"ninja_table_row_5 nt_row_id_255\">\n            <td>6.<\/td><td>Influence of Sustainability on Regulation and Credit Risk Management among Commercial Banks in Kenya \u2013 Lilian K. Nyamongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Influence-of-Sustainability-on-Regulation-and-Credit-Risk-Management-among-Commercial-Banks-in-Kenya-\u2013-Lilian-K.-Nyamongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"256\" class=\"ninja_table_row_6 nt_row_id_256\">\n            <td>7.<\/td><td>Fintech and Banks Collaboration: Does it Influence Efficiency in the Banking Sector? \u2013 Davis Bundi Ntwiga<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Fintech-and-Banks-Collaboration-Does-it-Influence-Efficiency-in-the-Banking-Sector-\u2013-Davis-Bundi-Ntwiga.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"257\" class=\"ninja_table_row_7 nt_row_id_257\">\n            <td>8.<\/td><td>An Alternative Approach to Estimation of the Probability of Default for Commercial Entities: The Modified KMV Merton Model \u2013 Andrew Kioi Njeru<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/An-Alternative-Approach-to-Estimation-of-the-Probability-of-Default-for-Commercial-Entities-The-Modified-KMV-Merton-Model-\u2013-Andrew-Kioi-Njeru.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"265\" class=\"ninja_table_row_8 nt_row_id_265\">\n            <td>9.<\/td><td>Credit Market Imbalances and Adjustments in Kenya \u2013 Jared Osoro and Kiplangat Josea<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Credit-Market-Imbalances-and-Adjustments-in-Kenya-\u2013-Jared-Osoro-and-Kiplangat-Josea.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1976706909\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1976706909\" data-tab-index=\"9\" style=\"--n-tabs-title-order: 9;\" class=\" elementor-element elementor-element-9cb754f e-flex e-con-boxed e-con e-child\" data-id=\"9cb754f\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6827cda elementor-widget elementor-widget-shortcode\" data-id=\"6827cda\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2080\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_8\" data-footable_id=\"2080\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2018\"            id=\"footable_2080\"\n           data-unique_identifier=\"ninja_table_unique_id_1818425202_2080\"\n           class=\" foo-table ninja_footable foo_table_2080 ninja_table_unique_id_1818425202_2080 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"267\" class=\"ninja_table_row_0 nt_row_id_267\">\n            <td>1.<\/td><td>Do Migrant Remittances Matter for Financial Development In Kenya? \u2013 Roseline Misati and Anne Kamau<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Do-Migrant-Remittances-Matter-for-Financial-Development-In-Kenya\u2013-Roseline-Misati-and-Anne-Kamau.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"266\" class=\"ninja_table_row_1 nt_row_id_266\">\n            <td>2.<\/td><td>The Nexus between Financial Inclusion and Financial Stability: Credit, Savings and Asset Quality of Kenyan Banks \u2013 Caroline Kariuki, Gillian Kimundi and Steve Makambi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Nexus-between-Financial-Inclusion-and-Financial-Stability-Credit-Savings-and-Asset-Quality-of-Kenyan-Banks-\u2013-Caroline-Kariuki-Gillian-Kimundi-and-Steve-Makambi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"268\" class=\"ninja_table_row_2 nt_row_id_268\">\n            <td>3.<\/td><td>Intra-Market Linkages in the Financial Sector and their effects on Financial Inclusion \u2013 Caspah Lidiema<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Intra-Market-Linkages-in-the-Financial-Sector-and-their-effects-on-Financial-Inclusion-\u2013-Caspah-Lidiema.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"269\" class=\"ninja_table_row_3 nt_row_id_269\">\n            <td>4.<\/td><td>Strategic Leadership and Strategy Implementation in Commercial Banks in Kenya \u2013 Habil Olaka, Peter Lewa & Peter Kiriri<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Strategic-Leadership-and-Strategy-Implementation-in-Commercial-Banks-in-Kenya-\u2013-Habil-Olaka-Peter-Lewa-Peter-Kiriri.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"270\" class=\"ninja_table_row_4 nt_row_id_270\">\n            <td>5.<\/td><td>Financial Inclusion: How do you know that you are there? \u2013 Jared Osoro & David Muriithi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Financial-Inclusion-How-do-you-know-that-you-are-there-\u2013-Jared-Osoro-David-Muriithi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"271\" class=\"ninja_table_row_5 nt_row_id_271\">\n            <td>6.<\/td><td>Influence of Financial Regulation in Kenya on Financial Inclusion: A Case Study of the Banking Industry in Kenya \u2013 Deborah Kemunto Momanyi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/InfluenceInfluence-of-Financial-Regulation-in-Kenya-on-Financial-Inclusion-A-Case-Study-of-the-Banking-Industry-in-Kenya-\u2013-Deborah-Kemunto-Momanyi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"272\" class=\"ninja_table_row_6 nt_row_id_272\">\n            <td>7.<\/td><td>Credit Risk Analysis for Low Income Earners \u2013 Davis Bundi Ntwiga<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Credit-Risk-Analysis-for-Low-Income-Earners-\u2013-Davis-Bundi-Ntwiga.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"273\" class=\"ninja_table_row_7 nt_row_id_273\">\n            <td>8.<\/td><td>Gaps from the Cap: Implications for Financial Inclusion in Kenya \u2013 Rogers Ochenge & Samuel Tiriongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Gaps-from-the-Cap-Implications-for-Financial-Inclusion-in-Kenya-\u2013-Rogers-Ochenge-Samuel-Tiriongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-19767069010\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-19767069010\" data-tab-index=\"10\" style=\"--n-tabs-title-order: 10;\" class=\" elementor-element elementor-element-9db2b6b e-flex e-con-boxed e-con e-child\" data-id=\"9db2b6b\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1a89e6 elementor-widget elementor-widget-shortcode\" data-id=\"d1a89e6\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2090\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_9\" data-footable_id=\"2090\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2017\"            id=\"footable_2090\"\n           data-unique_identifier=\"ninja_table_unique_id_1986204092_2090\"\n           class=\" foo-table ninja_footable foo_table_2090 ninja_table_unique_id_1986204092_2090 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"282\" class=\"ninja_table_row_0 nt_row_id_282\">\n            <td>1.<\/td><td>Effects of Government Borrowing on Private Investments in Kenya \u2013 Caspah Lidiema<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Effects-of-Government-Borrowing-on-Private-Investments-in-Kenya-\u2013-Caspah-Lidiema.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"281\" class=\"ninja_table_row_1 nt_row_id_281\">\n            <td>2.<\/td><td>Sectoral Risk and Return: Implications on Commercial Banks\u2019 Credit Expansion in Kenya \u2013 Ferdinand Othieno and Caroline Kariuki<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Sectoral-Risk-and-Return-Implications-on-Commercial-Banks-Credit-Expansion-in-Kenya-\u2013-Ferdinand-Othieno-and-Caroline-Kariuki.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"283\" class=\"ninja_table_row_2 nt_row_id_283\">\n            <td>3.<\/td><td>Policy Innovations and Sectoral Credit Expansion in Kenya \u2013 Tiriongo Samuel and Faridah Abdul<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Policy-Innovations-and-Sectoral-Credit-Expansion-in-Kenya-\u2013-Tiriongo-Samuel-and-Faridah-Abdul.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"284\" class=\"ninja_table_row_3 nt_row_id_284\">\n            <td>4.<\/td><td>Price Channel versus Quantity Channel: The Relationship between Government Domestic Borrowing from Commercial Banks and Private Sector Credit in Kenya \u2013 Camilla Chebet<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Price-Channel-versus-Quantity-Channel-The-Relationship-between-Government-Domestic-Borrowing-from-Commercial-Banks-and-Private-Sector-Credit-in-Kenya-\u2013-Camilla-Chebet.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"285\" class=\"ninja_table_row_4 nt_row_id_285\">\n            <td>5.<\/td><td>Influence of Bank Lending to the Government on Private Sector Credit in Kenya: A Fiscal Deficit Specification \u2013 Steve Makambi, Reuben Muhindi and Gillian Nduku<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Influence-of-Bank-Lending-to-the-Government-on-Private-Sector-Credit-in-Kenya-A-Fiscal-Deficit-Specification-\u2013-Steve-Makambi-Reuben-Muhindi-and-Gillian-Nduku.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"286\" class=\"ninja_table_row_5 nt_row_id_286\">\n            <td>6.<\/td><td>The Interbank Market in Kenya: Picking the Distress Signal from the Treasury Bills\u2019 Market \u2013 Jared Osoro and David Muriithi<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Interbank-Market-in-Kenya-Picking-the-Distress-Signal-from-the-Treasury-Bills-Market-\u2013-Jared-Osoro-and-David-Muriithi.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-19767069011\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-19767069011\" data-tab-index=\"11\" style=\"--n-tabs-title-order: 11;\" class=\" elementor-element elementor-element-29a8923 e-flex e-con-boxed e-con e-child\" data-id=\"29a8923\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2b133b elementor-widget elementor-widget-shortcode\" data-id=\"f2b133b\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2092\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_10\" data-footable_id=\"2092\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2016\"            id=\"footable_2092\"\n           data-unique_identifier=\"ninja_table_unique_id_1719561929_2092\"\n           class=\" foo-table ninja_footable foo_table_2092 ninja_table_unique_id_1719561929_2092 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"297\" class=\"ninja_table_row_0 nt_row_id_297\">\n            <td>1.<\/td><td>Commercial Banks and Economic Infrastructure PPP Projects in Kenya: Experience and Prospects \u2013 Paul Kamau<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Commercial-Banks-and-Economic-Infrastructure-PPP-Projects-in-Kenya-Experience-and-Prospects-\u2013-Paul-Kamau.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-19767069012\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-19767069012\" data-tab-index=\"12\" style=\"--n-tabs-title-order: 12;\" class=\" elementor-element elementor-element-593c31c e-flex e-con-boxed e-con e-child\" data-id=\"593c31c\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c2a563 elementor-widget elementor-widget-shortcode\" data-id=\"1c2a563\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2097\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_11\" data-footable_id=\"2097\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2015\"            id=\"footable_2097\"\n           data-unique_identifier=\"ninja_table_unique_id_2026239865_2097\"\n           class=\" foo-table ninja_footable foo_table_2097 ninja_table_unique_id_2026239865_2097 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"303\" class=\"ninja_table_row_0 nt_row_id_303\">\n            <td>1.<\/td><td>Islamic Banking and Economic Infrastructure Development \u2013 Kenya\u2019s Prospects \u2013 Wahida Mohammed<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Islamic-Banking-and-Economic-Infrastructure-Development-\u2013-Kenyas-Prospects-\u2013-Wahida-Mohammed.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"304\" class=\"ninja_table_row_1 nt_row_id_304\">\n            <td>2.<\/td><td>Local and International Dimensions to Credit Provision by Commercial Banks in Kenya \u2013 Misati Roseline and Kamau Anne<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Local-and-International-Dimensions-to-Credit-Provision-by-Commercial-Banks-in-Kenya-\u2013-Misati-Roseline-and-Kamau-Anne.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"305\" class=\"ninja_table_row_2 nt_row_id_305\">\n            <td>3.<\/td><td>Modelling Risk of Financing Agribusiness in Kenya \u2013 Philip Ngare, Martin Kweyu & Chris Huka<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Modelling-Risk-of-Financing-Agribusiness-in-Kenya-\u2013-Philip-Ngare-Martin-Kweyu-Chris-Huka.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"306\" class=\"ninja_table_row_3 nt_row_id_306\">\n            <td>4.<\/td><td>Innovative Financing for Housing in Sustainable Growth \u2013 Dr. Peter A. Makachia<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Innovative-Financing-for-Housing-in-Sustainable-Growth-\u2013-Dr.-Peter-A.-Makachia.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"307\" class=\"ninja_table_row_4 nt_row_id_307\">\n            <td>5.<\/td><td>Sustainability in the Financial Sector in Kenya \u2013 Francis Kariuki<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Sustainability-in-the-Financial-Sector-in-Kenya-\u2013-Francis-Kariuki.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-19767069013\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-19767069013\" data-tab-index=\"13\" style=\"--n-tabs-title-order: 13;\" class=\" elementor-element elementor-element-790acb2 e-flex e-con-boxed e-con e-child\" data-id=\"790acb2\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0eacace elementor-widget elementor-widget-shortcode\" data-id=\"0eacace\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2111\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_12\" data-footable_id=\"2111\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2014\"            id=\"footable_2111\"\n           data-unique_identifier=\"ninja_table_unique_id_23187729_2111\"\n           class=\" foo-table ninja_footable foo_table_2111 ninja_table_unique_id_23187729_2111 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"308\" class=\"ninja_table_row_0 nt_row_id_308\">\n            <td>1.<\/td><td>Bank-based Versus Market-based Financial System: Does Evidence Justify the Dichotomy in the Context of Kenya? \u2013 Jared Osoro and Evans Osano<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Bank-based-Versus-Market-based-Financial-System-Does-Evidence-Justify-the-Dichotomy-in-the-Context-of-Kenya-\u2013-Jared-Osoro-and-Evans-Osano.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"309\" class=\"ninja_table_row_1 nt_row_id_309\">\n            <td>2.<\/td><td>Determinants of Banks Expansion in the East African Community Determinants of Banks Expansion in the East African Community: \u2013 Lucas Njoroge and Shem Ouma<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Determinants-of-Banks-Expansion-in-the-East-African-Community-Determinants-of-Banks-Expansion-in-the-East-African-Community\u2013-Lucas-Njoroge-and-Shem-Ouma.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"310\" class=\"ninja_table_row_2 nt_row_id_310\">\n            <td>3.<\/td><td>The Drivers of Cross-border Banking Expansion: Evidence from East Africa The Drivers of Cross-border Banking Expansion: \u2013 Odongo Kodongo and Dinah Natto<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Drivers-of-Cross-border-Banking-Expansion-Evidence-from-East-Africa-The-Drivers-of-Cross-border-Banking-Expansion\u2013-Odongo-Kodongo-and-Dinah-Natto.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"311\" class=\"ninja_table_row_3 nt_row_id_311\">\n            <td>4.<\/td><td>An Examination Of The Fragmented Legislation and The Complexities It Presents For Mobile Payments \u2013 Joy Malala<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/An-Examination-Of-The-Fragmented-Legislation-and-The-Complexities-It-Presents-For-Mobile-Payments-\u2013-Joy-Malala.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"312\" class=\"ninja_table_row_4 nt_row_id_312\">\n            <td>5.<\/td><td>Deepening financial inclusion through collaboration to create innovative and appropriate financial products for the poor \u2013 Tonny K. Omwansa and Timothy M. Waema<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Deepening-financial-inclusion-through-collaboration-to-create-innovative-and-appropriate-financial-products-for-the-poor-\u2013-Tonny-K.-Omwansa-and-Timothy-M.-Waema.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-19767069014\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-19767069014\" data-tab-index=\"14\" style=\"--n-tabs-title-order: 14;\" class=\" elementor-element elementor-element-c2e88b7 e-con-full e-flex e-con e-child\" data-id=\"c2e88b7\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4dc994 elementor-widget elementor-widget-shortcode\" data-id=\"b4dc994\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2115\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_13\" data-footable_id=\"2115\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2013\"            id=\"footable_2115\"\n           data-unique_identifier=\"ninja_table_unique_id_2000633979_2115\"\n           class=\" foo-table ninja_footable foo_table_2115 ninja_table_unique_id_2000633979_2115 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"315\" class=\"ninja_table_row_0 nt_row_id_315\">\n            <td>1.<\/td><td>The Role of Capital Requirements on Bank Competition and Stability: \u2013 Ragnar Gudmundsson, Kethi Ngoka-Kisinguh and Maureen Teresa Odongo<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Role-of-Capital-Requirements-on-Bank-Competition-and-Stability-\u2013-Ragnar-Gudmundsson-Kethi-Ngoka-Kisinguh-and-Maureen-Teresa-Odongo.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"316\" class=\"ninja_table_row_1 nt_row_id_316\">\n            <td>2.<\/td><td>Assessing the determinants of interest rate spread of commercial banks in Kenya: An empirical investigation \u2013 Maureen Were and Joseph Wambua<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Assessing-the-determinants-of-interest-rate-spread-of-commercial-banks-in-Kenya-An-empirical-investigation-\u2013-Maureen-Were-and-Joseph-Wambua.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-19767069015\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-19767069015\" data-tab-index=\"15\" style=\"--n-tabs-title-order: 15;\" class=\" elementor-element elementor-element-2395812 e-flex e-con-boxed e-con e-child\" data-id=\"2395812\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00b5944 elementor-widget elementor-widget-shortcode\" data-id=\"00b5944\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_2122\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_14\" data-footable_id=\"2122\" data-filter-delay=\"1000\" aria-label=\"Working Paper Series 2012\"            id=\"footable_2122\"\n           data-unique_identifier=\"ninja_table_unique_id_2041611030_2122\"\n           class=\" foo-table ninja_footable foo_table_2122 ninja_table_unique_id_2041611030_2122 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_issue \">SN<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"322\" class=\"ninja_table_row_0 nt_row_id_322\">\n            <td>1.<\/td><td>Collateral Lending :Are there Alternatives for the Kenyan Banking Industry? Collateral Lending: \u2013 Mary Karumba, Martin Wafula<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Collateral-Lending-Are-there-Alternatives-for-the-Kenyan-Banking-Industry-Collateral-Lending-\u2013-Mary-Karumba-Martin-Wafula.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"323\" class=\"ninja_table_row_1 nt_row_id_323\">\n            <td>2.<\/td><td>Income Diversification in the Banking Sector and Earnings Volatility: Evidence from Kenyan Commercial Banks \u2013 Josephat Mboya Kiweu<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Income-Diversification-in-the-Banking-Sector-and-Earnings-Volatility-Evidence-from-Kenyan-Commercial-Banks-\u2013-Josephat-Mboya-Kiweu.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"325\" class=\"ninja_table_row_2 nt_row_id_325\">\n            <td>3.<\/td><td>Segmentation and Efficiency of the Interbank Market in Kenya \u2013 Moses Muse Sichei, Samuel Kiplang\u2019at Tiriongo and Chris Shimba<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Segmentation-and-Efficiency-of-the-Interbank-Market-in-Kenya-\u2013-Moses-Muse-Sichei-Samuel-Kiplangat-Tiriongo-and-Chris-Shimba.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-990f534 e-con-full animated-slow elementor-hidden-mobile e-flex elementor-invisible e-con e-child\" data-id=\"990f534\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cadbbac ha-has-bg-overlay elementor-widget elementor-widget-heading\" data-id=\"cadbbac\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Links<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9655ef8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width ha-has-bg-overlay elementor-widget elementor-widget-icon-list\" data-id=\"9655ef8\" data-element_type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:153,&quot;sticky_offset_tablet&quot;:30,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/about-research-center\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">About Research Center<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/economic-bulletin\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Economic Bulletin<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/housing-price-index\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Housing Price Index<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/occassional-paper\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Occassional Paper<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/research-notes\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Research Notes<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/policy-briefs\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Policy Briefs<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/surveys\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Surveys<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/banking-industry-report\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Banking Industry Report<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/call-for-papers\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Call For Papers<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/conference-bulletin\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Conference Bulletin<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/conference-programme\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Conference Programme<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>One Industry . Transforming Kenya Working Paper Series After a successful inaugural Banking Research Conference in 2012, the Centre for Research on Financial Markets and Policy at the Kenya Bankers Association (KBA) launched the Working Paper Series (WPS) to disseminate preliminary findings of banking sector research sponsored by the Association. In 2012, of 10 papers [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-68","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages\/68","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/comments?post=68"}],"version-history":[{"count":55,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages\/68\/revisions"}],"predecessor-version":[{"id":79984,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages\/68\/revisions\/79984"}],"wp:attachment":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/media?parent=68"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}