IJSSE - International Journal of Social Sciences and Entrepreneurship Upcoming Journals: International Journal of Innovation and Management (IJIM), International Journal of Engineering and Architecture (IJEA) & International Journal of Science and Agriculture | IJAE, IJEF & IJHRP Call for Papers - Forthcoming Issue (Decemer 2014). Submission deadline: 25th December 2014 |

No images

United States United States
Your Time

User Statistics Info
IJSSE is one of the leading International Journals by User Statistics!

Login Form

IJSSE Newsletter Form
Full Names *
E-mail Address: *
Country *
PDF Print E-mail




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 Competitive Aggressiveness On Microinsurance Uptake by Micro and Small Enterprises in Kenya. International Journal of Strategic Management. Vol. 7 (3) pp 1 – 25.



Entrepreneurial orientation plays a critical role in success of an enterprises since it entails willingness of an entrepreneur to innovate, take risks, try out new products, services and markets and act more proactively than competitors when it comes to new opportunities in the marketplace. Thus the importance of entrepreneurial orientation cannot be underestimated. For instance, Micro and Small Enterprises (MSEs) comprise over 90 per cent of all businesses and contribute between 50 to 60 per cent to employment. 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. Although MSEs play a very important role, they are characterized by high mortality due to the uncertain social-economic and environment in which they operate. MSEs are particularly vulnerable to risks many of which are insurable. However, there is very low microinsurance uptake products by MSEs. The low microinsurance uptake could be influenced by various factors among them entrepreneurial orientation. There is dearth of literature that focuses on the role of entrepreneurial orientation on uptake of microinsurance among owner managers of MSEs. This study sought to establish the influence of competitive aggressiveness 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 400MSEs.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 competitive aggressiveness and regulatory framework were 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. Competitive aggressiveness and regulatory framework did not significantly influence microinsurance uptake (renewal rate).The study recommends that microinsurance companies should not put so much resources into engaging in activities that may involve threat or risk in order to achieve a goal as this will not influence the uptake of microinsurance policies by MSEs in Kenya. They 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: Competitive aggressiveness, Microinsurance uptake, MSMEs



Full Text PDF Format


Publication Disclaimer: The accountability of the article published in IJSSE journals is entirely of the author(s) concerned and not of the publisher/editor. The view expressed in the articles of any IJSSE journal is those of the contributors, and it does not essentially correspond to the views of the publisher/editor. It is responsibility of the authors to seek copyright clearance for any part of the content of the articles. The publisher/editor of IJSSE journals is not liable for errors or any consequences arising from the exercise of information contained in it.
Free counters!
IJSSE - International Journal of Social Sciences and Entrepreneurship | Copyright 2013 | All Rights Reserved  <