Normakoh Beauty Eloho (Ph.D)
Department Of Educational Management. Ignatius Ajuru University Of Education, Port Harcourt, Rivers State, Nigeria.
Service Gaps And Customer Satisfaction In The Rural Banking Industry In Ashanti Region Of Ghana
Service quality has been proven to be a predictor of customer satisfaction and organizational success. This work therefore sought to examine service quality amongst the rural banks in the Ashanti Region of Ghana using the SERVQUAL model. The findings indicate that the most important dimension of service quality is the reliability of financial service delivery. The results also showed significant

Jesse Owino
Senior Research Scientist, Departments Of Kenya Forestry Research Institute, Rift Valley Eco-region Research Programme, P.o
Budgeting As A Tool Of Accountability In Primary Education
This paper presents budgeting as a tool of accountability in Nigeria primary Education. Budget is a very vital resource in human life, be it private or public. The concept of budgeting in primary education is important because, it helps managers of primary education to plan, in order to reduce waste or reckless spending of funds provided for programmes and events

Jackline Kemboi
Research Scientist, Department Of Kenya Forestry Research Institute, Turkana Forestry Research Subcentre. P.o. Box 53-30500,
The Potential Of Nature-based Enterprises In The Arid And Semi-arid Lands Of Kenya: Case Studies In Loima And Turkana West Sub-counties, Turkana County
The pastoral communities in Kenya solely depend on livestock and livestock products for livelihood. This study sought to assess the potential of alternative sources of livelihood through case studies of three bio-enterprises established in Loima and Turkana west sub-counties in Turkana County. Participatory Rural Appraisal (PRA) method was employed to determine the particular needs of the communities and suitable bio-enterprise.

Donyo Ganchev
Assoc-prof., Agricultural University Plovdiv, Town O Plovdiv, Bulgaria, Mendellev Avenue 12
Fungicidal Action Of Hydrogen Peroxide Towards Monilia Fructigena
A research paper about fungicidal action of hydrogen peroxide towards conidiospores of brown rot on orchard trees (Monilia fructigena). The conducted trials prove that 30 % (v/v) water solutions of the substance can completely disintegrate the spores of the plant pathogen. However such concentration of the hydrogen peroxide can be extremely phytotoxic to the most of the orchard plants. But

Fredrick. B.O. Ojuang'
Forest Management Inventory Section, Kenya Forest Service, P. O. Box 30513, Nairobi. Department Of Natural
Tree Species As A Correlate Of Game Damage To Plantation Forests In South West Of Mount Kenya
Game damage to forest plantations in South West of Mount Kenya is a threat to the development and management of forests. Tree species have been reckoned among factors which influence game damage to plantations in many parts of the world. There is little and conclusive information on the impact of game damage on commercial plantations in Kenya. In this paper

Professor Elias K. Maranga
Forest Management Inventory Section, Kenya Forest Service, P. O. Box 30513, Nairobi.
Effects Of Integrated Marketing Communications On Perfomance Of Insurance Companies In Mombasa County, Kenya
In the emerging dynamism of the business environment, no successful organization can afford to overlook marketing. It has become necessary to utilize all the resources and practices that marketing provides to survive and achieve in this always changing business environment in the world and Kenya in particular. This applies even to the insurance companies whose environment dynamism in the current

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