An assessment of the Role of Credit Reference Bureau in Influencing Risk Identification in Migitating Credit Default in Commercial Banks in Kenya :by Ruth Njeri Munene,Prof.Tom Nyamache Dr Paul Muoki Nzioki

An assessment of the Role of Credit Reference Bureau in Influencing Customer Credit Access in Mitigating Against Credit Default in Commercial Banks in Kenya:by Ruth Njeri Munene,Prof.Tom Nyamache Dr Paul Muoki Nzioki


  • Okebiro, G.N. (2018).Psychological role of Debating clubs in Educational systems and personality Development among students.EJournal Vol.1.issue 51,August 14th 2018;Cognition in Mathematics, Science &Technology e Journal,Vol.10,issue,44,September 5th,2018;political economy-development Public Service Delivery eJournal Vol.6 Issue,133,September
  • Okebiro, G.N. (2018).Challenges of applying Question method in Teaching and Learning concepts in psychological sciences in the university.Anthropology of education EJournal Vol.13.issue 29,March,21st ;EFA,2005MoscowMeetings(Archive)Vol.4.issue1,March,26th
  • Okebiro, G.N. (2017). Indigenous knowledge on indigenous plants used as medicine or drugs among the Abagusii for sustainable Human life.Environmental Anthropology eJournal Vol.3,issue 4,January 11th; Medical Anthropology eJournal Vol.3 issue 2,January 9th ;Biology & Anthropology eJournal vol.3,issue1,January, 8th ; eJournal Vol.2.issue 3, January 23th;Applied Ecology eJournal December 17th ;Population Ecology ejournal,December 19th ;Sustainable Technology ejournal,vol.7.issue 1 January 12th ;Human Rights& the Corporation ejournal,January 11th  2018

  • Okebiro, G.N. (2018).Four windows promoting research and innovation for wildlife conservation and sustainable tourism industry as emerging economy in Kenya. Sustainability at work. EJournal Vol.7.issue 1,January, 12th 2018;Sustanable Technology ejournal,vol.6.issue 55,December 21st  2017 ;Socially responsible Investment ejournal,vol.6,issue 136,December 21st 2017
  • Okebiro, G.N. (2017).Anthropological study of burial ceremony in African development and harshening traditional knowledge among the Abagusii. Culture area studies EJournal Vol.2.issue 225, December 12th; Anthropology of Religion eJournal, vol.2,issue 101 December 13th 2017
  • Okebiro, G.N. (2017).Polygamous family and social justice: A case study of the Abagusii tribe in south Western Kenya. Culture Area Studies eJournal vol.2 issue 121,June 13th ;Applied and Practicing Anthropology ejournal,vol.2,issue 65,June 23rd ;Cultural Anthropology ejournal,vol.2.issue 244. December 14th; Social and Political philosophy eJournal, vol.10, issue 78, June 21st .
  • Okebiro, G.N. (2017). Okebiro, G.N. (2017)Regulating pictures and photographs in teaching in education systems globally, Anthropology of Education eJournal Vol.2.issue 52. April 18th; Anthropology of Education eJournal Vol.2, issue 53, April 20th; Political Economy- Development: Public service Delivery eJournal, vol.5 issue 63 April 7th.
  • Okebiro, G.N. (2017). Picture composition as a form of evaluation leading to creativity and innovation among candidates and sustainable education development.Political Economy-development public service deliveryVol.5.issue 18 January 30th.
  • Okebiro, G.N. (2017).Discipline of teachers in conceptualizing Teacher Education for sustainable Development. Anthropology of Education. eJournal Vol.2.issue 17,January 24th 2017 ;Political Economy-Development: Public service Delivery ejournal,vol.4 issue 213,November 25th 2016; Political Economy-Development: Environment ejournal,vol.4 issuie176,November 25th 2016; Socially Responsible Investment eJournal,  5 issue 159, November 25th 2016.

  • Okebiro, G.N. (2017). University part-time lecturer’s union and sustainable university education and societal empowerment. Anthropology of education ejournal,Vol.2,Issue 16,January 23rd 2017;Cultural Anthropology ejournal,Vol.2,issue 78,April 19th 2017; Labor: Personnel Economics. eJournal Vol.8.issue119, December 1st 2016; Political Economy Government Expenditures & Related policies eJournal, Vol.9. Issue 170,December 6th 2016; Political economy-Development Public Service Delivery,Vol.4,Issue 218,December,2016; Socially Responsible Investment ejournal,Vol.5. Issue 159, November 25th
  • Okebiro, G.N. (2017). Wife inheritance and Ethics Among Abagusii of South Western Region in Kenya. Culture Area Studies ejournal,Vol.2,issue 16,January,23rd 2017;Legal Anthropology eJournal, Archives of Vols.1-3,2016-18,Vol.2,issue 148,August 2nd 2017;Urban Transnational anthropology,Vol.2 issue 12,January 17th 2017;Cultural Anthropology,ejournal,Vol.2,issue 75,April 14th 2017;African law eJournal Vol.3.Issue 89 November 25th 2016;Law,Norms,&Informal Order ejournal,Vol.12,issue 75,November 29th 2016;Law & Society, Family Law, Relation and Dispute Resolution ejournal,Vol.11,issue,71 December 2nd 2016;Law & Society: Private Law-Family Law ejournal,vol.1 issue 52.november 30th
  • Okebiro, G.N. (2017).Is Nyamumboism Religion among the Abagusii Of South Nyanza western Kenya from East or West?Culture Area Studies ejournal,Vol.2,issue 15,January 20th 2017;Anthropology of Religion eJournal Vol.2.issue18,January 25th 2017;Medical Anthropology ejournal,Vol.2,issue 15 January 24th
  • Okebiro, G.N. (2016). Epistemology of East and West Political Thinkers on Ideal State for Africa: In Reference to Gandhi (Eastern) and Plato (Western). Urban & Transnational Anthropology ejournal,Vol.2, issue,6 January 9th 2017;Political anthropology ejournal,Vol.2, issue 26 February 6th 2017; Cultural Anthropology ejournal,Vol.2 issue 44, March 2nd 2017; Epistemology eJournal, Vol.9,issue 19, December 15th 2016;Innovation & Geography eJournal Vol.4,issue 43, October 25th 2016;Political Theory & political philosophy,Vol.9.issue 62,November 2nd                            .
  • Okebiro, G.N. (2016). Using Unmodified Real Things in Teaching Sciences as Innovative and Creative Method in Educational System. Anthropology of education eJournal, Vol.2,issue 7 January 10th 2017;Innovation Educator: Courses, Cases and Technology.Vol.4.issue 46,October 27th
  • Okebiro, G.N. (2016). Corruption in the Kenya: traffic police and leadership. Culture Area Studies ejournal,Vol.2,issue 4,January 5th 2017;Political Anthropology ejournal,Vol.2,issue 22,January 31st 2017;Cultural Anthropology ejournal,Vol.2,issue 30, February 10th 2017;African Law,Vol.3,issue 79,October 27th 2016;Law & Society: Public Law-Crime, Criminal Law and Punishment ejournal,.10.Issue187,November 2nd 2016;Political Economy-Development: Underdevelopment & Poverty ejournal,Vol.4,issue 58,October 19th 2016;Political Institutions, Parties, Interest Groups & Other Political Organizations eJournal Vol.9,issue 45, October 25th .
  • Okebiro, G.N. (2016). Motorcycle (Boda-boda) as emerging business for the poor in transport industry and sustainable development in modern Kenya. Development Economics: Microeconomic issues in developing economies.Vol.5.Issue 74, September 20th 2016; Urban Economics & Regional studies eJournal vol.9,issue 128 September 15th 2016; Political Economy: Government Expenditures & Related policies eJournal vol.9,issue 124,September 20th 2016; African law eJournal vol.3 issue,67 September 14th 2016; Law, Institutions & Development eJournal vol.14,issue 39 September 30th 2016; Political economy-Development: Public Service Delivery eJournal vol.4 issue 161,September 14th 2016; Political economy- Development Environment eJournal vol.4 issue 138,September 13th 2016; Sustainable transport ejournal vol.5 issue 38 September 14th 2016; Socially Responsible  Investment eJournal vol.5 issue 125 September 15th2016;Urban research eJournal Vol.5,issue83 October 19th
  • Okebiro, G.N. (2016).Advances in research on tea species adaptive to climatic changes. Political Economy-Development strategies ejournal.Vol.4.Issue147 September 1st 2016; Political economy-Development: Environment eJournal vol.5,issue 14,January 25th 2017; Food industry eJournal vol.6 issue 10 January 25th
  • Okebiro, G.N. (2016). Talents versus academic intelligentsia in regional development and entrepreneurship globally. Anthropology of education eJournal Vol.1 issue 7 November 30th 2016; Entrepreneurship &Economics eJournal Vol.11.Issue 59 September 8th 2016; Entrepreneurship &Economics eJournal Vol. 11 issue 39 September 8th 2016; Management of Innovations eJournal vol.4 issue 58 August 29th


Research Papers

Author(s) Year Paper title Journal ISSN/VOL/ISSUE
Tom M Nyamache


Moses A Moturi

2018 Determining the extent of Financial Planning and Performance of Small Scale Enterprises (SSEs) in Kisii Town, Kenya International Journal of Finance, Accounting and Economics (IJFAE) ISSN: 2617-135X

Vol. 1 (3) 18-29

, October, 2018

Munene, R, Nyamache, T,

Nzioki , M,


2017 Role of Credit Reference Bureau in Influencing Customer Repayment Behaviour in Mitigating against Credit Default among Commercial Banks in Kenya International Journal of Management and Commerce Innovations ISSN 2348-7585 (Online) Vol. 5, Issue 2, pp: (624-632), Month: October 20s17 – March 2018,

Nyamache ,T,Nzioki,P,

2017 An Assessment of the role of Credit Bureaus in influencing Risk identification in Mitigating Against Credit Default in commercial Banks in Kenya International Journal of Research in Management ISSN 2249-5908,Issue7,Vol.6(October-November,2017


Nyamache ,T

2017 An Assessment of the role of Credit Bureaus in influencing Customer Credit Access in Mitigating Against Credit Default in commercial Banks in Kenya International Journal of Research in Management ISSN 2249-5908,Issue7,Vol.6(October-November,2017
Nyamache,T 2014 Integrating Automated Financial System in The Ministry of Finance, Nakuru county Eduved International Journal of Interdisciplinary Research ISSN2348-6775(Online)2349-5480(print), Vol 01,Issue 7, Oct.2014
Nyamache T,


Ntabo V.

2014 Globalization and Regional Integration: An East Africa Perspective). , GJCMP , Vol. 3 Number 2.(2014)Pgs44-49, ,ISSN 2319−72856927, GJCMP(March-April,2014)
Nyamache T, Nyambura,

Ntabo V.

2014  Development in Higher Institutions of Learning: A Technological A Technological Impact. Journal of International Academic Research for Multidisciplinary, Vol 2, Issue 3,.(2014)Pgs44-49, ,ISSN 2320−5083April)
Nyamache T, Nyambura, R,Njunge, K. 2013 Influence Of Conversion Decisions   Of Non-Bank Financial Institutions into Full Fledged Banks in Kenya Journal of African Development, Vol  2,Issue 1,ISSN 2220−4091,May 2013
Nyamache T, & Nyambura,R,Pradymna ,M 2


Impact Of Business Cycles On Industry Sectors: Structural Economic Change In Kenya International Journal of Research in Management  ISSN 2249-5908 ,Issue 3, Vol.5 (September2013
Nyamache T.,

Nyambura, R,

Njunge, K.

2013 Linkage Between Higher Education and The Economy: Kenya Perspective, African Journal of Higher Education and Technology Journal of Higher Education and Technology Vol. 3 Number 1.(2013)Pgs68-75, ,ISSN 2046−6927(Print),2046-6935(Online)
Nyamache,T ,

Kaniu,L, and Nyambura,

2013 An Investigation Into Naturopathy Services in Urban Centres in Kenya  Journal of African Development Vol 2, Issue 1, ISSN 2220−4091. May 2013
Nyambura and Nyamache(2013), 2013 Economic Utility of Beads Culture among the Samburu of Kenya African Journal of Social Sciences ISSN2045-8452(PRINT),2045-8460(Online)
Nyambura and Nyamache,,T 2013 Celebrating Adornment in Kenya’s Diverse cultures, International of Asian Research Associates, ISSN2278-859X
Nyambura and Nyamache,T 2013 GG Kariuki and The Politics of Laikipia, Asian Journal of Social Sciences and Humanities, Asian Journal of Social Sciences and Humanities, ISSN2330-5083
Nyambura,R ,Nyamache T 2013 Lingerie Fashion Through Ages Journal of African Development,  Vol  2,Issue 1,ISSN 2220−4091
Nyambura,R ,Nyamache T 2013 Evil Eye: A historical Perspective, , Journal of African Development, Vol  2,Issue 1,ISSN 2220−4091


Munyao, Nyamboga

2012  User Needs and Expectations in the 21stCentury in Private Universities in Kenya: A case of Mount Kenya University Kenya Library Association Journal, ,ISSN-0253-5971,VOL 2,2012
Nyamache,T & Nyambura,R 2012 Colour Symbolism in Africa: A historical Perspective , Asian Journal of Research in Business Economics and Management Vol 2, Issue 2, (Feb2012) ISSN: 2249-7307.

,Nyambura ,R& Okenye,T,

2012 Management Effects of Mergers and Acquisitions on Financial Performance of Companies in Kenya Journal of African Development, , ISSN 2220- 4091,Vol. 1,Issue 2,Feb 2012
Nyamache,T & Nyambura,R 2012 Handbag Culture: An Evolution. Zenith International Reasearch & Academic Foundation (ZIRAF), Journal of Multidisciplinary Research  ISSN: 2249- 8834.
Gechiko, Nyambura, Nyamache,,T 2012 Educating For Holistic Development in SDA Schools in Nyamira county, Kenya. Journal of Education and Social Sciences, Vol 2,No. 1: ISSN 2220-4091
Nyambura,R, Nyamache,T & ,Nyabisi, E 2012. Beads and Bead Work in Africa,  Journal of African Development, ISSN2220- 4091, Vol.1, Issue 2.
Nyamache,T & Nyakora,M 2011 Re-Look At Contribution And Linkages Between Technological Innovations, Financial Inclusion Of The Poor And Performance Of MPESA In Kenya , Asian Journal of Research In Social Sciences and Humanities, ISSN: 2249-7315.  Vol : 1, Issue : 4 First page : pg 253 –  267


K. Sankar,  R.V. Palanivel,  Ganesh, Tom M. Nyamache 2019 Brand Preference And Customer Satisfaction Towards Impulse Product With Special Reference To Active Group


International Journal of Business Management Insight & Transformations Vol. 3, Issue 1 – 2019
R.V. Palanivel, K. Sankar Ganesh, Tom M. Nyamache 2019 A Study on Work–life advantages and organizational change: Overcoming mixed messages to move from the margin to the mainstream Journal Of Applied Science & Computations 1076-5131,Vol VI,Issue1,January,2019


(In Business)

Author(s) Year Book Title Publisher ISBN Publication Points
Tom Nyamache 2019 Small Business Finance and Management Shanlax Publications, Madras, India 978-9-388-39851-0 24
Nyamache,T, Nyambura, R & Okenye, N 2012 Corporate Restructuring In Kenya. Lampard Academic Publishing, Germany. 978-3-659-11510-3 24

Nyambura,R & Mishra

2011. Impact of InternationalBank on Indian Economy, Lampard Academic Publishing, Germany. 978-3-8433-5020-4, 24


Author(s) Year Book Title Publisher ISBN Publication Points
Njoroge,R, Mwaura, P , & Nyamache, T 2012 Fashion and Beauty Lampard Academic Publishing, Germany.  978-3-8484-8309-9, 24
Njoroge,R, Mwaura, P , and Nyamache, T 2012 G.G. Kariuki: A Historical Potrait of A Kenyan Politician Lampard Academic Publishing, Germany 978-3-8465-8025-7, 24



Author(s) Year Chapter Book Title ISBN Publication Points
Nyangosi ,R&Nyamache ,T


Service Quality and Customers Satisfaction in Financial Services: Evidence from a Kenyan Bank Operating in Tanzania
Paradigm Drift in Business Theory and Practices 978-81-931500-2-3 6




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  18. Akuja, T.E.  (2011). Agrobiodiversity Conservation and Sustainable Use for Enhanced Food Security, a Teaching  Manual (EdS. Mungai, N.W.). Tonaz Limited Publishers. Nairobi.  Book Chapter/Module  2: 7-16.
  19. Njuguna M.N., Macharia M., Akuja T.E. and Kamwaga, J.N.  (2011). Effect of Foliar Fertilization on Wheat (Triticum aestivum (L)) in Marginal Areas of  Eastern Province, Kenya, Journal of Plant and Animal Sciences, 9: 1161- 1182.
  20. Achonga, B.O., Akuja, T.E and Lagat, J.K.  (2011).The impact of crop and livestock enterprise diversity on household food security and farm income among agro-biodiversity farmer field schools (ABD-FFS) and non- agro-biodiversity field schools (Non-ABD-FFS) households in Bondo District, Kenya, Journal of Applied Bioscinces, 38: 2496 – 2507.
  21. Achonga, B.O., Akuja, T.E and Lagat, J.K.  (2011). The Determination Of Optimum Farm Enterprise Mix For Agro-Biodiversity Farmer Field School Households in Bondo District, Kenya. In proceedingds of Afrcican Crop Science Conference, Maputo, Mozambique, October, 10-13.
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  25. Nguluu, S.N.,  Karanja, J. , Kimatu J.N, , Gicheru, P.T., Musimba, N. ,  Njiru, E. , Kathuli, P., Nzioki, H.,  Akuja, T..,  Muli, B.K., Nzombe, N.N. (2015). Refining Dryland Farming Systems as a Means of Enhancing Agrodiversity and Food Security in Eastern Kenya, Journal of Advances in Agriculture, Vol.3, no.1.
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  38. M. Mutua-Mutuku, S.N. Nguluu, T. Akuja, M. Lutta, P. Bernard (2017). Factors that influence adoption of integrated soil fertility and water management practices by smallholder farmers in the semi-arid areas of Eastern Kenya,  Tropical and Subtropical Agroecosystems, 20 (2017): 141 – 153.
  39. Akuja, T.E., Mweu, B.M. and M.W. Mburu (2017). Factors affecting smallholder farmers’ adoption of integrated soil fertility and water management practices in Machakos County. Poster on InterDrought-V. In the proceedings of  a conference held at the Hyderabad International Convention Center (HICC), Novotel Hotel, Hyderabad, India.
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  42. Ndolo, M., Akuja, TE, Kilungo, J. and Kimeu, E.N. (2018). Assessment of the level of awareness of food security among the small scale farmers: A case study of Mwala Sub County, Machakos County, Kenya, Research Journal of Agriculture, V0l.5 (4): 1-14
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