Isaac Kipkorir Kiplagat, Dr. Yusuf Muchelule


This study sought to determine the influence of data analytics practices and performance of micro-lending institutions in Nairobi County, Kenya. Specifically, the study sought to assess the influence of user Experience Analytics on performance of micro-lending institutions in Nairobi County, Kenya and to establish the influence of IT Cost Analytics on performance of micro-lending institutions in Nairobi County, Kenya. This study used descriptive research design. The unit of analysis was therefore the 14 Microfinance Institutions while the unit of observation was 126 management employees working in these Microfinance Institutions. Due to small target population, census approach was appropriate for selecting the sample for this study, and the sample size for the study was 126 respondents. This research used a questionnaire to collect primary data. Fourteen questionnaires were piloted that represented 10% of the target population. The study collected quantitative data which was analysed using descriptive and inferential statistics using the Statistical Package for Social Sciences (SPSS) version 24. Multivariate linear regression was used to determine the relationship between the dependent and independent variables. The regression analysis revealed significant coefficients for each study variable. Experience Analytics had a coefficient of .273 (p < .002) and IT Cost Analytics demonstrated a coefficient of .292 (p < .000). These findings suggest that each type of analytics practice significantly influences the performance of micro-lending institutions in Nairobi County, Kenya. In conclusion, the study underscores the importance of leveraging data analytics practices to enhance organizational performance in the micro-lending sector. Based on the findings, recommendations are made for micro-lending institutions to prioritize investments in experience analytics and IT cost analytics to improve their operational efficiency, risk management, and decision-making processes. By adopting and integrating these analytics practices into their business operations, micro-lending institutions can enhance their competitive advantage and achieve sustainable growth in the dynamic financial landscape of Nairobi County, Kenya.

Key Words: Data Analytics Practices, User Experience Analytics, Performance, IT Cost Analytics, Micro-Lending Institutions

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