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Impact of Capital Adequacy on Insurance Financial Inclusion in Kenya

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  • Willingtone, Chibole Khalumi
  • Muli, Maingi
  • Ben, Oseno

Abstract

Purpose: To determine the impact of capital adequacy on insurance financial inclusion in Kenya.Design/Methodology/Approach: Longitudinal research design panel data and positivism philosophy were employed. Data was obtained from audited published financial statements. Data was analyzed by use of both descriptive and inferential statistics.Findings: Specific results for the impact of capital adequacy on insurance financial inclusion (Corr 0.5483:p 0.000< 0.05:Z11.22>1.96). There was a positive statistically significant impact of capital adequacy on insurance financial inclusion in KenyaImplications/Originality/Value: The moderate state of capital adequacy provided on correlation computation guides that insurance firms in Kenya should always adhere to insurance regulatory authority guidelines for a strong relationship. The core capital should be on upward trajectory which calls upon strategies on capital generation such as reaching out to more insurance subscribers thus insurance financial inclusion.

Suggested Citation

  • Willingtone, Chibole Khalumi & Muli, Maingi & Ben, Oseno, 2026. "Impact of Capital Adequacy on Insurance Financial Inclusion in Kenya," Sustainable Business and Society in Emerging Economies, CSRC Publishing, Center for Sustainability Research and Consultancy Pakistan, vol. 8(1), pages 101-112, March.
    • Handle: RePEc:src:sbseec:v:8:y:2026:i:1:p:101-112
    DOI: http://doi.org/10.26710/sbsee.v8i1.3725
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