-R) H-statistic method is used to evaluate the degree of competition. The findings indicate that the inefficiency in Takaful … lower price to enhance competition which may benefit both the firms and customers. …

This paper seeks to evaluate efficiency and competition dynamics of the Kenyan banking sector for the period 2001 … sector; secondly, we apply Panzar-Rosse, H-statistics model to assess competition in the banking sector; thirdly we introduce … competition. The study findings indicate efficiency was on an upward trend and averaging at 69 percent. The results also indicate …