First Author:   Sifunjo E. Kisaka School of Business, University of Nairobi esifunjo@uonbi.ac.ke   P.O. Box 3256-00200, NAIROBI, KENYA NAIROBI, 00200, KENYA       http://www.uonbi.ac.ke Second Author: Wainaina Gituro School of Business, University of Nairobi wainainagituro@yahoo.com   P.O. Box 30197, NAIROBI, KENYA NAIROBI, 00100, KENYA       Third Author: Pokhariyal Ganesh School of Mathematics, University of Nairobi pokhariyal@uonbi.ac.ke   P.O. Box 30197, NAIROBI, KENYA NAIROBI, 00100, KENYA       Fourth Author: Ngugi W. Rose School of Economics, University of Nairobi rosengugi@uonbi.ac.ke   P.O. Box 30197, NAIROBI, KENYA NAIROBI, 00100, KENYA       http://www.uonbi.ac.ke