http://ijpp.kemu.ac.ke/index.php/ijpp <p>The International Journal of Professional Practice (The IJPP) is an interdisciplinary journal published by Kenya Methodist University and dedicated to the publication of research articles, perspectives and commentaries related to social and economic life as well as innovation. The IJPP publishes articles from scholars globally and irrespective of country of origin, institutional affiliation, race, color, gender or creed. Articles published in The IJPP are blind peer-reviewed to ensure that their content is suitable for publication. IJPP is a multidisciplinary journal that has come of age.</p> <p><strong>ISSN:</strong> <strong><a href="https://portal.issn.org/resource/ISSN/2790-9468">2790-9468</a></strong></p> en-US <p>I/We agree to transfer the copyright of this manuscript to the <strong><em>International Journal of Professional&nbsp;</em></strong><strong><em>Practice (The IJPP) </em></strong>in the event that the manuscript is published in the Journal.</p> <p>&nbsp;I/We give the undersigned authors of the manuscript have made the following declaration:</p> <p><em>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; That I/We have made substantial contribution during the conception and design, or acquisition of data, or analysis and interpretation of the data,</em></p> <p><em>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; That I/We have participated in drafting the article or revising it critically for important&nbsp;</em><em>intellectual content,</em></p> <p><em>(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; That I/We have read and confirm the content of the manuscript and have agreed to it,</em></p> <p><em>(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; That I/We have participated sufficiently in the work to take public responsibility for appropriate portions of the content of the paper,</em></p> <p><em>(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; That I/We give guarantee that the content of the manuscript is original, and has not beenv</em><em>published elsewhere and is not currently being considered for publication by another&nbsp;</em><em>journal.</em></p> ijpp@kemu.ac.ke (Prof. Paul Maku Gichohi) daniel.ongeri@kemu.ac.ke (Daniel Kerandi) Fri, 15 May 2026 10:14:19 +0000 OJS 3.3.0.17 http://blogs.law.harvard.edu/tech/rss 60 http://ijpp.kemu.ac.ke/index.php/ijpp/article/view/673 <p>Microfinance banks play a critical role in promoting financial inclusion by serving underserved populations. However, the sector continues to experience high levels of non-performing loans, which stood at 32.9% as of 30 June 2023. This has prompted many microfinance banks to adopt digital innovations, such as digital loan applications, to improve loan performance. The objective of this study was to examine the influence of digital loan applications on the loan performance of microfinance banks in Kenya. The study adopted an ex post facto research design guided by the pragmatism research philosophy. The target population comprised 348 loan officers drawn from the 13 licensed microfinance banks in Kenya. Proportionate stratified sampling was used to determine the sample size. Both primary and secondary data were utilized in the study. Primary data were collected using semi-structured questionnaires, while qualitative data were analyzed using thematic analysis. Quantitative data were analyzed using descriptive and inferential statistics with the aid of SPSS version 28. Descriptive statistics included means and standard deviations, whereas inferential statistics comprised Pearson correlation and logistic regression analysis. The findings revealed that digital loan applications had a strong and statistically significant positive relationship with loan performance (r = 0.695, p &lt; 0.05). Regression results further established that digital loan applications significantly and positively influenced loan performance among microfinance banks in Kenya (β = 3.884, p &lt; 0.05), leading to the rejection of the null hypothesis. Qualitative findings indicated that the ease of access to digital lending increases the risk of borrower over-indebtedness, as clients often obtain multiple loans from different platforms with minimal assessment of repayment capacity, thereby increasing default rates. The study recommends that microfinance banks enhance their digital loan platforms to support seamless applications, faster approvals, timely disbursements, user-friendly interfaces, and accessible customer support services.</p> Faith Waithira Waweru, Gillian Mwaniki, Nancy Rintari Copyright (c) 2026 International Journal of Professional Practice http://creativecommons.org/licenses/by/4.0 http://ijpp.kemu.ac.ke/index.php/ijpp/article/view/673 Fri, 15 May 2026 00:00:00 +0000