{"id":2970,"date":"2025-06-30T12:47:15","date_gmt":"2025-06-30T12:47:15","guid":{"rendered":"https:\/\/sobe.kibu.ac.ke\/?p=2970"},"modified":"2025-12-24T19:14:07","modified_gmt":"2025-12-24T19:14:07","slug":"the-impact-of-asset-based-lending-on-financial-sustainability-of-microfinance-institutions-in-kenya","status":"publish","type":"post","link":"https:\/\/kibu.ac.ke\/sobe\/the-impact-of-asset-based-lending-on-financial-sustainability-of-microfinance-institutions-in-kenya\/","title":{"rendered":"The Impact of Asset-Based Lending on Financial Sustainability of Microfinance Institutions in Kenya"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2970\" class=\"elementor elementor-2970\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-52a8fe75 elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-section-height-default\" data-id=\"52a8fe75\" data-element_type=\"section\" id=\"ourgoal\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1cf8086\" data-id=\"1cf8086\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27566e27 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"27566e27\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">The Impact of Asset-Based Lending on Financial Sustainability of Microfinance Institutions in Kenya<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-329a144e elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"329a144e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1ede1024\" data-id=\"1ede1024\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-667bbd43 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"667bbd43\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6cea4dee elementor-invisible\" data-id=\"6cea4dee\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a0e5a9d elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"7a0e5a9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2024<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-e78d5c9 elementor-invisible\" data-id=\"e78d5c9\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4cec14a2 elementor-widget elementor-widget-heading\" data-id=\"4cec14a2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">KIBU Authors<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79d3ab0b elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"79d3ab0b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Rashid Simiyu Fwamba<\/p><p>Kadian Wanyonyi Wanyama<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6a446550 elementor-invisible\" data-id=\"6a446550\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6996f642 elementor-tablet-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"6996f642\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/www.irejournals.com\/paper-details\/1706055\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW ON PUBLISHER SITE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1e076333 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e076333\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-36a81006 elementor-invisible\" data-id=\"36a81006\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef158de elementor-widget elementor-widget-heading\" data-id=\"ef158de\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Abstract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4971a324 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"4971a324\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This study examines the impact of asset-based lending on the financial sustainability of microfinance institutions (MFIs) in Kenya. Despite the growth of the microfinance sector, many MFIs face challenges in achieving financial sustainability due to high default rates, limited funding sources, and operational inefficiencies. Asset-based lending has emerged as a potential strategy to address these issues. Using a descriptive research design and a census approach, this study surveyed all 14 licensed MFIs in Kenya. Data was collected through structured questionnaires and analysis of financial statements. The results indicate that asset-based lending is positively correlated with financial sustainability indicators, including profitability and liquidity ratios. Regression analysis reveals that a one-percentage-point increase in asset-based loans is associated with a 0.15-percentage-point increase in return on assets and a 0.12-percentage-point increase in return on equity. The study also identifies challenges in implementing asset-based lending, particularly in rural areas with weak property rights. These findings suggest that asset-based lending can be an effective strategy for enhancing the financial sustainability of MFIs in Kenya, but should be part of a broader approach that includes operational efficiency and product diversification.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>2024 KIBU Authors Rashid Simiyu Fwamba Kadian Wanyonyi Wanyama VIEW ON PUBLISHER SITE Abstract This study examines the impact of asset-based lending on the financial sustainability of microfinance institutions (MFIs) in Kenya. Despite the growth of the microfinance sector, many MFIs face challenges in achieving financial sustainability due to high default rates, limited funding sources, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-2970","post","type-post","status-publish","format-standard","hentry","category-research-list"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Impact of Asset-Based Lending on Financial Sustainability of Microfinance Institutions in Kenya - School of Business and Economics<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kibu.ac.ke\/sobe\/the-impact-of-asset-based-lending-on-financial-sustainability-of-microfinance-institutions-in-kenya\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Impact of Asset-Based Lending on Financial Sustainability of Microfinance Institutions in Kenya - School of Business and Economics\" \/>\n<meta property=\"og:description\" content=\"2024 KIBU Authors Rashid Simiyu Fwamba Kadian Wanyonyi Wanyama VIEW ON PUBLISHER SITE Abstract This study examines the impact of asset-based lending on the financial sustainability of microfinance institutions (MFIs) in Kenya. 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