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Muthoga Ngera

Jomo Kenyatta University of Agriculture and Technology (JKUAT)


Professor Romanus Odhiambo

Deputy Vice Chancellor

Jomo Kenyatta University of Agriculture and Technology (JKUAT)


Dr. Patrick K. Ngugi (PhD)

Jomo Kenyatta University of Agriculture and Technology (JKUAT)


Dr. J. Karanja Ngugi (PhD)

Kenyatta University, Kenya


CITATION: Muthoga, N., Odhiambo, R., Ngugi, P. K., Ngugi, J.K. (2018).Influence of Proactiveness On Microinsurance Uptake by Micro and Small Enterprises in Kenya. International Journal of Arts and Entrepreneurship. Vol. 7 (3) pp 39 – 60.




In Kenya, MSEs are major contributors to Gross Domestic Product (GDP), economic development and employment. This suggests that lack of entrepreneurial orientation among entrepreneurs could have serious implications on an economy. MSEs are particularly vulnerable to risks many of which are insurable. However, there are very low microinsurance uptake products by MSEs. The low microinsurance uptake could be influenced by various factors among them entrepreneurial orientation. This study sought to establish the influence of proactiveness on microinsurance uptake by MSEs in Kenya. The study adopted descriptive and explanatory research designs. The target population was 297,340 MSEs in Nairobi County. The study used a sample of 400 MSEs.Stratified random sampling was utilised to select the sample from the population. A structured questionnaire was used to collect data from owner managers of MSEs. The study utilised factor analysis, correlation analysis and multiple linear regression method to analyse the collected data. The study findings indicated that Proactiveness was found not to significantly influence microinsurance uptake (number of policies). Regulatory framework did not significantly moderate the relationship between number of policies and entrepreneurial orientation. Proactiveness and regulatory framework did not significantly influence microinsurance uptake (renewal rate).The study recommends that microinsurance companies should continue to act in advance to deal with an expected difficulty even if this will not enhance the uptake of microinsurance products.


Key Words: Proactiveness, Microinsurance uptake, MSMEs



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