Abstract: The investment decision is a concept that has gained much interest and has been a challenge among employees in the current world. Given that there is an age of working, one needs to plan for the future and life after work which is the retirement period. Employees in Daadab camp operates on temporary terms due to reduced donor funding and government decisions to close the camp and thus the majority of Daadab employees are engaged in the contract due to the nature of the basis. This has an effect on long-term investment decisions in comparison with employees engaged on permanent terms. Thus, the current study examined the effect of debt management on investment decisions among employees of non-governmental organizations in the Daadab refugee camp, in Kenya. A cross-sectional study design was employed in the research. A total of 907 employees of the 17 NGOs in the Daadab refugee camp formed the target population. At the same time, the respondents were all employees working in non-governmental organizations of the Daadab refugee camp. The stratified sampling technique was employed, and the sample size is calculated at 10% recommended by Mugenda and Mugenda (2013). The sample of the study was 91 respondents. Closed-ended questionnaires aided in the data collection process. The validity of the instrument was established using the Content analysis technique and the supervisor and research expert opinion. At the same time, reliability was ascertained through a pilot test where a calculation of Cronbach's alpha was done. The Cronbach's alpha value of 0.7 was considered to be reliable. The dropping and picking method was used in questionnaire distribution for data collection. Results from the multiple regression analysis revealed that debt management have positive influence on investment decisions among employees of non-governmental organizations of the Daadab refugee camp. The study concluded that debt management is a key determinants of investment decisions among employees of NGOs in Daadab refugee camp. The research recommended that for improved and proper Investment decisions through debt management should be adopted by employees to make positive and sound investment decisions.
Keywords: Debt Management, Financial Planning, Investment Decision.
Title: EFFECT OF DEBT MANAGEMENT ON INVESTMENT DECISION AMONG EMPLOYEES OF NON-GOVERNMENTAL ORGANIZATIONS IN DAADAB REFUGEE CAMP, KENYA
Author: Mohamed Ibrahim Hussein, Dr. Charity Njoka
International Journal of Social Science and Humanities Research
ISSN 2348-3156 (Print), ISSN 2348-3164 (online)
Vol. 11, Issue 3, July 2023 - September 2023
Page No: 126-133
Research Publish Journals
Website: www.researchpublish.com
Published Date: 18-August-2023
