ABSTRACT
About 83% of lending to the Kenyan mortgage market was carried out by only 8 out of the 39 registered banks as at December 2022. This study sought to establish the influence on focus strategy on Mortgage Performance of banking institutions in Kenya. The study was based on the theories of Porter’s Generic Strategies and Resource-Based View (RBV) of competitive advantage. To achieve the research objective, a sample of 30 commercial banks was studied out of the entire accessible population of 39 banks in the cities of Nairobi, Mombasa, Nakuru, and Kisumu. Questionnaires, with 5-point Likert-scale responses, were administered to the respondents. There were five respondents drawn from the mortgage experts in each bank making a total of 150 respondents with a response rate of 78.7%, that is, 118 achieved. The data gathered was presented using descriptive statistics with mean, for measuring central tendency while standard deviation measured dispersion of the responses, as well as frequencies. Regression results showed that focus strategy explained 28.2% of variation in mortgage performance and had statistically significant and strong positive influence on mortgage performance. Bank size, however, did not have a statistically significant moderating effect on the relationship between focus strategy and mortgage performance, as justified by the interaction term’s p-value of 0.367 that was greater than 0.05. Consequently, the study failed to reject the second null hypotheses. Banks, in the small and medium peer groups, should adopt more focus strategies as opposed to mass-market strategies that are more suited for larger banks.

ABSTRACT
The current research aims to demonstrate the mediating role of customer's experience in enhancing the relationship between banking services provided to the customer's Pleasure in light of environmental variables. The research problem examined the influential relationship between banking services and customer's Pleasure in the presence of the mediating variable customer's experience. A number of hypotheses were formulated, including that there is a correlation with Significant statistical significance between the main and mediating research variables. The research sample was (50) permanent customers in banks in the city of Mosul. The research used the descriptive analytical method. The research reached a number of conclusions, including that customer experience has a major role in strengthening the relationship between banking services and customer pleasure, and integrated banking services would Achieve a customer's Pleasure by meeting his needs and desires.

ABSTRACT
Employees ability to carry out their duties can be seen through their performance, so employee performance is significant for the company's success. Another important thing that companies must pay attention to regarding their human resources is the issue of job satisfaction. Job satisfaction is an employee's attitude towards their work, the difference between the rewards received by the employee and what is considered something that should be received. Apart from the sense of job satisfaction felt by employees, the compensation provided by the company is also a factor in improving performance. Based on the urgency of the problem above, this research aims to analyze the influence of transformational leadership and compensation on job satisfaction. The theoretical benefits of this research are expected to contribute to understanding leadership theory in different conditions and situations, which better explains how someone becomes a leader and emphasizes character characteristics and actions adopted to increase compensation and job satisfaction in the organization. This research method uses a quantitative approach. The population in this study were all employees at BPR Malang Raya, totaling 471 employees. Meanwhile, the sampling technique in this research used the Slovin formula with results of 175 employees. The results of the analysis show that transformational leadership positively and significantly affects job satisfaction. The research above states that compensation positively and significantly affects job satisfaction. Transformational leadership can direct subordinates to do something to achieve satisfaction in professional development and working relationships with superiors and co-workers to create a feeling of happiness about the work produced.