IOSR-JHSS   Volume-23 ~ Issue-11 ~ November -2018

Abstract: In Kenya the deposit taking Sacco sector significantly contributes to financial industry, and greatly contributes the country‟s GDP. Loans remain the asset for the Saccos standing at 73.42% of the total asset base. However due to raise in non-performing loans in Saccos which has received significant attention from the regulator and other stakeholders leading to unprecedented collapse of these Saccos, hence this research study seeks to find out the relationship of loan recovery performance to non-performing loan management practices. The research will seek to review the effectiveness of existing loan management practices which include loan restructuring, guarantee policies, monitoring practices and loan recovery agencies employed by Saccos. The study will use both primary data in form of structured questionnaire and secondary data which will be obtained from annual financial statements.........

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Abstract: Andhra Pradesh has a rich fascinating range of art forms which are unique in style, theme concept form and expression. A small town called Nirmal in Adilabad District of A.P. (Presently Nirmal is a district head quarter) of the same name in Telangana State) it is famous for toys and Paintings. Nirmal Toys and folk paintings are highly stylized and have a striking individuality. A wide variety of articles are made in the painting themes centered round their in the life styles..

Key words: Terra Cotta , Handicrafts, Material Culture, Dominions, Physiognomy, Mother, Goddess. Human figurines, influx, Animal figurines, Hybridization. Archaic terra cottas, Stucco art

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Abstract: The aim of this study is to explore perception and practice of female students in physical education practical classes at selected Kaffa Zone preparatory schools. Purposefully 13 of Physical education teachers who taught at the selected preparatory schools(M=11, F=2) and randomly 255 students from grade eleven and twelveis selected as subjects of the study. Apart from this descriptive survey research design with qualitative and quantitative approach is employed andobservation, interview and questionnaire is instruments that used to gather data. To this end descriptive and correlation.........

Key words; Female Students, Perception, Practice.

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Abstract: The purpose of this study was to assess the influence of demography and levels of formal education and training on leaders and members of informal women groups in Vihiga Sub-County, Vihiga County, Kenya. The study was necessitated by the fact that there lacks adequate evidence on the influence of formal education and training on resource mobilization for sustainability of informal women groups found in rural areas. Informal women groups found in rural areas are useful to women as they help cater for their socio-economic welfare. To effectively meet this need and enhance the sustenance and growth of their groups resource mobilization and utilization is vital. However, available literature reveal that support from the Government and donors often concentrate on the urban elitist women........

Key words: demography, levels, formal, education, training, leaders, members, informal

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