Rotated Component Matrix Research Articles

Psychometric Properties of the Knowledge of Hydration among Foreign Students of Óbuda University, Hungary.

It is known that the quantity, makeup, and distribution of bodily fluids have a significant impact on the cognitive health, physiological health, and cell activity of human beings. This narrative could be influenced by the level of knowledge about hydration, dehydration, and the practice of Adequate Water Intake (AWI) of an individual based on the recommended daily Total Water Intake (TWI) by either the World Health Organization (WHO) or the European Food Safety Authority (EFSA). In this study, we have developed and validated a scale to adequately measure knowledge of the recommended daily Total Water Intake (TWI) practices among foreign students at Óbuda University, Hungary. Hence, we implemented an 11-item scale to measure the Knowledge of Hydration (KH-11) and evaluate its psychometric properties among students. This study is an online cross-sectional study assessing water intake knowledge with the use of the KH-11 tool among 323 students with ages ranging from 18 to 35 years, who have enrolled for at least two semesters at the University. The statistical analysis performed was reliability (using Cronbach alpha ≥ 70%) and factor analysis. Knowledge levels were categorized as poor (<50%), intermediate (50-70%), or adequate (71-100%). The intraclass correlation, chi-square, and rotated component matrix were also estimated and reported. Data were analyzed using SPSS version 25. Cronbach's alpha analysis revealed that the KH-11 had an overall good reliability with a value of 0.80, where the survey items had an acceptable level of consistency ranging from 0.75 to 0.81 and demonstrated sufficient independence from each other as Pearson's R within factors was positive and ranged from 0.02 to 0.74. In evaluating the participants' knowledge of hydration, the total possible score for the scale is 72, while the mean score for the KH-11 was 55.2 ± 11.61 SD, and the factor analysis model yielded an acceptable fit (χ2 = 3259.4, p = 0.000). We recorded a high-level positive concordance of 0.770 with an average intraclass correlation of 0.80 at a 95% CI, where p-value = 0.000. Our findings show that the majority (66.3%) of the students have a good knowledge of hydration. However, the skewed distribution of the knowledge scores suggests that some may have lower levels of knowledge, which may warrant further study to improve knowledge in those students.

Empowering e-Tutors for Effective Online Teaching and Learning: E-tutors’ Challenges and Perceptions

Online learning has been considered as a paradigm shift in education that offers a transformative approach to the acquisition of knowledge and skills. The objectives of the study included identifying the perceptions of e-tutors on the usage of e-tutoring by online students; investigating the challenges encountered by students in using e-tutoring; and recommending measures to enhance e tutoring in the Department of Financial Accounting at a South African university. A quantitative research approach and a descriptive research design were used, employing an online survey to collect data from e-tutors involved in financial accounting modules. A total of 188 questionnaires were distributed electronically to e-tutors in the Financial Accounting Department. Due to unforeseen challenges, only 95 e-tutors filled out the questionnaires completely. SPSS was used to analyze the data through the Kaiser-Meyer-Olkin (KMO) measure of sampling adequacy and the rotated component matrix was applied to assess the suitability of the sample for factor analysis and to discern the underlying structure and behavioral patterns within the data set. Findings reveal that e-tutors play a crucial role in assisting students with module-specific problems, addressing difficult topics, and making the course content more engaging. However, challenges such as the need for continuous training in online communication skills and the use of online technology tools were highlighted. Issues related to Internet connectivity and costs also impacted the effectiveness of e tutors. Reliable Internet infrastructure and adequate resources are vital for addressing these challenges. Based on the findings, the study recommends that e-tutors engage in continuous professional development and receive module-specific training to enhance their knowledge and skills. Collaboration between e tutors and lecturers should be encouraged to foster a supportive learning environment. The study concludes that the facilitation of e-tutoring in financial accounting modules has shown promising outcomes in supporting students’ teaching and learning.

Application of Principal Component Analysis in Establishing the Dominant Pollutants in the New Calabar River.

The New Calabar River, an essential water source in Nigeria’s Niger Delta region, is facing significant water quality issues due to human activities. This research adopts a comprehensive strategy, integrating field data gathering, statistical analyses, and modeling methods to evaluate and simulate the impact of these activities on water quality. Analysis of Variance (ANOVA) outcomes revealed notable seasonal fluctuations in certain water quality parameters like Water Temperature (F=116.009, p&lt;0.001) and pH levels (F=12.782, p&lt;0.001), indicating clear distinctions between the specified months. Conversely, Total Dissolved Solids (TDS) and Electrical Conductivity (EC) showed insignificant variations (F=0.050, p=0.95 and F=0.036, p=0.96, respectively). Principal Component Analysis (PCA) identified crucial factors influencing water quality variations. The rotated component matrix displayed substantial loadings for parameters such as Turbidity (0.932), Dissolved Oxygen (0.919), and Biological Oxygen Demand (0.912), suggesting their significant impact on water quality dynamics. Employing GIS techniques for spatial mapping of WQI values uncovered pollution hotspots near Points 5 and 6, aligning with the PCA findings. These regions exhibited “Very Bad” water quality status, indicating severe pollution levels. Conversely, Point 3 demonstrated a “Medium” water quality status, implying better water quality conditions. Overall, the study highlights the intricate connection between human activities and water quality in the New Calabar River. The insights gained offer valuable guidance for informed decision-making in water resource management, pollution mitigation strategies, and policy development. Future research endeavors should prioritize continuous monitoring, adaptive management approaches, and community involvement to foster sustainable water quality management practices in the area.

Residents’ Attitude Towards Pilgrims: Development And Validation Of Sustainable Religious Tourism Scale

The research aims to develop a sustainable religious tourism (SRT) scale that can assess the attitude of the local residents towards the pilgrims. The development of the scale starts with the literature review wherein the identification of dimensions of sustainable tourism and generation of attributes have been accomplished. This is followed by refinement of the items through the content validation procedure where both domain and industry experts are consulted and made their recommendations. The refinement of items through the exploratory factor analysis (EFA) followed the content validation process with a rotated component matrix yielding 5 factors with a total of 30 items for the SRT scale. The psychometric properties of the SRT scale are then tested with the help of confirmatory factor analysis (CFA) which establishes both the reliability and validity of the SRT scale. The SRT scale thus developed by the study consists of a total of 30 items under the 5 different dimensions of SRT.

Development of a scientific attitude measurement instrument for Dharmacariya department students at STABN using the Fishbein and Ajzen model

This study applies the Fishbein and Ajzen model to develop a Scientific Attitude Measurement Instrument for Students, focusing on attitudes, beliefs, and intentions towards scientific behaviors. The quantitative research employs an instrument development method, initially constructing dimensions reflecting various scientific attitudes such as attitudes towards the scientific method, collaboration, openness to knowledge, criticality, respect, honesty, independence, and interest in data analysis. The instrument measures students' scientific attitudes across three main dimensions: attitude, subjective norms, and behavioral control, aligning with the Fishbein and Ajzen model. It covers key aspects like attitudes towards the scientific method, emphasizing rigorous approaches like Popper's Falsification concept, and the importance of social interaction in scientific collaboration. Validity and reliability analyses confirm the instrument's adherence to high-quality standards, making it relevant for assessing scientific attitudes and contributing to educational quality and student development in science. It provides a comprehensive view of students' perceptions and responses to scientific attitudes. Factor Loadings in the Rotated Component Matrix, with loadings above 0.50, indicate a strong correlation within the model. Cronbach's Alpha values range from 0.922 to 0.941, ensuring internal consistency and reliability. Exploratory Factor Analysis with student participants established the construct's validity and reliability, with a Kaiser-Meyer-Olkin (KMO) value of 0.747, indicating suitability for factor analysis. Most items showed high analytical validity, but items B22 and B13 require further review or adjustment.

Assessment of urban solid waste management in a Class II Indian city using geospatial and statistical approaches: A case study of Rampurhat municipality

Illegal dumping has emerged as a significant concern in the context of urban solid waste management, posing a considerable challenge for municipal authorities. It is crucial to manage municipal solid waste (MSW) in an environmentally sustainable and health-conscious manner to avoid negative effects on human society, ecological problems, and wasting valuable resources. This research examines the state of solid waste management, the geographic distribution of illegal dumpsites, and the variables contributing to these phenomena. Study reveals that Rampurhat Municipality has ineffective waste management and treatment, lacking 44.60% of the necessary labour resources and 95% and 72% of the necessary vehicles for secondary waste transportation, respectively. This ineffectiveness has led to fly tipping, with a clustered distribution pattern with an observed mean distance of 78.8784 m. Factor analysis revealed two elements that significantly affect the frequency of illegal dumpsites. A new composite component was created using the highest factor loading of the rotated component matrix, revealing that the northern part of the study area is highly affected by this new component, while the central and western part is least affected. The newly built model is statistically significant, with an R2 value of 0.874 and p-values of the predicting variables below 0.05. These findings will be useful to higher authorities, local administration, and policymakers in addressing fly tipping by implementing sustainable solid waste management practices.

Analisis Faktor Strategi Pengembangan UMKM Kelurahan Pabuaran Kota Bogor

The Improvement and Development of Micro, Small and Medium Enterprises are priority for making economic and sustainable development where that is one of Economic foundation especially in Indonesia, beside that the small, medium enterprises as a sector which have important role because consist of full activities and can make expand employment, however and must be understanding, because of covid -19 disease give impact and change for all aspects, especially for continuity developing micro, small and medium enterprises .The purpose of research analyze and explain factors for developing which can be implemented strategy micro, small and medium enterprises in Pabuaran, Bogor city. The research of Method uses quantitative Descriptive, the source of data has been obtained by questionnaire toward fifty respondent, the data analyze has been obtained by factor analysis with data processing by determining of Index KMO, measure of sampling adequate, communalities values, total variant explained, rotated component matrix, From the result can be obtained from twenty variable have been reduced become sixteen variable, and three Factors include of resources and capabilities or process technic capacity, market regulation and SME regulation, employee skill. From the three factors can be determinant that the dominant factors for making development micro, small and medium enterprises is Resources and capabilities process Technic Capasity

Significant Factors of Job Satisfaction among the Library Professionals in Tamilnadu: A Study

Library professionals play a vital role in supporting learning, research, and community development. Job satisfaction is important for these professionals as it can affect their motivation, productivity, and overall well-being. The researcher aims to evaluate the various job satisfaction factors among the library professionals in Tamilnadu. Data were collected through survey questionnaire method among the 150 library professionals and analysed using Principle Component analysis, Rotated component matrix and SPSS. This study resulted that 50% of the library professionals are satisfied with the salary, 48.2% of the respondents were satisfied with the promotion criteria, 45 % of the library professionals were happy about the job security, 69.8 % were felt the good relationship of the employer and the higher recognition.

Formal Operating Mechanisms of Financial Institutions, Business-Users and Financial Inclusion in Mbeya City-Tanzania

The study investigates on the contribution of formal operating mechanisms of both financial services providers and users on financial inclusion. To reveal the reality behind the scene the study employed a quantitative research approach and causal research design. Furthermore the study used a systematic sampling to derive to 100 respondents from which 90 were financial users and 10 were financial service providers in Mbeya City. The study used questionnaires and documentary reviews for data collection. The collected and cleaned data were analyzed by employing rotated component matrix, multi-co linearity testing, and partial correlation coefficient data analysis tools. From the analysis it was revealed that formalization of firms both the financial services providers and users found to be positive and significant causal of financial inclusion. Moreover formal operating mechanisms of financial (business) users revealed to contribute positively and significantly towards satisfactory access to adequate, affordable and quality financial products important for sustaining financial inclusion. From the positivism and significant determination regarding financial inclusion revealed the study recommends that financial institutions, micro finances as well as financial users (individuals and firms) are to formalize their businesses.

Sustainable Retail Financing in Turbulent and Difficult Market Conditions: A Dynamic Capability Perspective

Objective: This study aims to identify the dynamic capabilities (DC) that have been owned by the company and find new measurements of DC instruments for financing companies. Dynamic capability is needed to react quickly to the dynamics of the industrial environment, survive in competition and be sustainable. Research Design &amp; Methods: This study utilized a quantitative approach. The search for factor values of each DC was conducted through 32 questionnaire questions given to 55 branch business managers. KMO and Bartlett's test and rotated component matrix test were conducted to prove that the factors are interrelated, with the limitation of average value as the main factor determinant. Findings: Sustainability, innovation, and dynamic factors are important capabilities for multi-finance companies that need to be strengthened and developed. Implications &amp; Recommendations: The concept of DC sensing, seizing, and reconfiguring is closely related to the capabilities of strategic human resource development (SHRD) which is the most important asset. In the future, research can be conducted again on how strong the relationship between SHRD dynamic capabilities and existing DC factors is in achieving company sustainability. Contribution &amp; Value Added: Organizations can survive in fierce competition if they know their DC as their competitive advantage. However, not many companies know how to measure their DC against their dynamic industry, this study will provide examples of the instruments needed.

BIM Application in Construction Projects: Quantifying Intangible Benefits

Building information modelling (BIM) has been considered an effective and efficient tool among stakeholders of the construction sector as it delivers prominent results. Hence, this work aimed to determine the intangible benefits of BIM in construction projects. Various statistical analyses were performed to identify the most critical intangible benefits of BIM required for justification. To rank the intangible benefits of BIM, the relative importance index was adopted. Then, the rotated component matrix was conducted to correlate each intangible benefit to its estimated components. In the last phase of the research, interviews were conducted to validate and confirm the critical intangible benefits. Five critical intangible benefits were identified: better understanding of design, better information received and given, improved communication through visualization, reduce design error and improved accuracy of drawings. By knowing these five critical benefits, clients should prioritise these benefits in their justification of BIM implementation.

Fear and Stigma of COVID-19 Reinfection Scale (FSoCOVID-19RS): New Scale Development and Validation.

The advent of COVID-19 and its impacts have prompted fear and stigma among people all across the world. Because of stigma, there was often a delay in diagnosis and treatment, which resulted in a poor prognosis. As a result, a reliable scale is required to measure the level of fear and stigma of COVID-19 reinfection. To develop and validate a scale for determining the level of fear and stigma of COVID-19 reinfection. A cross-sectional study including 200 nursing-college students who had previously tested positive for COVID-19 was conducted. The scale's reliability was evaluated by external and internal consistency methods. Construct, convergent, and discriminant validity were evaluated using exploratory factor analysis (EFA) and confirmatory factor analysis (CFA). The scale's mean score was 24.85 ± 11.35, and no floor or ceiling effects were detected. The scale items' reliability, measured by Cronbach's alpha coefficient if an item was deleted, ranged from 0.76 to 0.95, with a total score value of 0.86. The range of convergent validity coefficients was between 0.37 and 0.64. Pearson's correlation coefficients for test-retest validity ranged from 0.71 to 0.93, with a total score of 0.82. The coefficient of split-half correlation was 0.87, while the coefficient of reliability was 0.93. According to the factor analysis, two components had latent roots larger than 1. The rotated component matrix of the two factors revealed that all items had R values over 0.30, indicating that none of them should be excluded. In addition, CFA results revealed that χ2 = 3524, df = 1283, χ2/df ratio = 2.74, p < 0.001, GFI = 0.86, CFI = 0.92, AGFI = 0.88, and RMSEA = 0.05. The scale's convergent and discriminant validity was confirmed. The 14-item, two-dimensional Fear and Stigma of COVID-19 Reinfection Scale (FSoCOVID-19 RS) was demonstrated to have reliable psychometric properties.

Principal component and cluster analyses for assessing agro-morphological diversity in rice

Forty-five rice genotypes were evaluated for determining the pattern of variation and relationship among 14 yield contributing traits. Four principal components (PCs) exhibited eigen values &gt;1.0 and explained about 79.5 % of the total phenotypic variability. From rotated component matrix it has been observed that the highest positive eigen vector was taken by secondary branches (0.945), followed by total spikelet number (0.945), fertile spikelet number (0.889), primary branches (0.676) and harvest index (0.632) in PC1, indicating the major effects in the overall variation among the genotypes. Seven groups were formed after cluster analysis. Cluster I had lowest average for days to 50% flowering, Cluster II had highest mean value for harvest index, Cluster III had highest mean for flag leaf area, test weight, and straw and grain yield per plant, and Cluster V had highest mean value for primary branches, total spikelet number, fertile spikelet number and fertility %. So, desirable genotypes fromdifferent cluster can be selected and hybridization programme may be initiated to utilize heterosis in F1 generation and wide spectrum of recombinants in segregating generations for selection of promising segregants.

Comparative Study Analysis between Command-and-Control and Marketbased Methods of Controlling Environmental Pollution in Mbeya City, Tanzania

The study investigates on the comparison in effectiveness of the two methods employed in controlling environment pollution that are command-and-control and market-based methods. Thus, three objectives were formulated to address the issues over effectiveness of the two methods that is i) to examine the public bad characters of a pollution needing an effective control technique ii) to determine the operating mechanisms of command-and-control method of controlling pollution and iii) to explore the operating mechanisms of market-based method of controlling pollution. It is with the quantitative research approach and by capturing the views of the environmentalists, researchers and specialists in environmental issues and management in Mbeya City the facts were revealed. The facts were collected primarily through structured questionnaires and secondarily by reviewing literatures. The collected and processed data were analyzed by using the rotated component matrix, ordinary least squares and ANOVA in which the results were that the market-based method was more effective than command-and-control method with F- value = 10 at a significance level of 0.01. Thus, the study recommends policy makers and other environmental protectionists to be used to market based technology intervening mechanism in protecting environment from pollution.

Electrical Energy for Rural, Small Scale and Value Creation Industrialization in Mbozi District-Songwe, Tanzania

The study aims at investigating the impacts of steady electrical energy supply on industrialization. To reveal the nature of the relationship between the two variables i.e. steady electrical energy supply and industrial development, the study which was carried out in Mbozi district in Songwe region-Tanzania employed a survey research design. Moreover the investigation applied the strata-multistage sampling technique to derive to 101 respondents. Using documentary review and questionnaire the facts was gathered regarding the study in which processors, constructors, farmers and traders was a sample frame. Using a latent variable analysis, rotated component matrix and average variance expected data analysis tools it was revealed that steady supply electrical energy contribute positively towards industrial development. It was conclusively found that steady electrical energy supply and industrialization detailing rural industrialization, small scale industrialization and value addition was statistically significant at p&gt;=0.05. Thus it is with these positive results what this study suggests to policy makers that the environment for sustainable electrical energy should be created for rural industrialization, small scale industrialization and value creation policies to be realized.

Development and validation of an instrument for the assessment of internet use in the Indian context.

Internet usage is increasing in the young population. Over 560 million internet users, India is the second-largest online market globally, which necessitates the development of an Internet use assessment tool in the Indian context. Samples of 560 individuals aged from 16 to 40 years participated. Data were coded in excel sheet for STATA 14.0 analysis evolved to item response theory. Cronbach's alpha was used to determine the internal consistency; concurrent validity was performed using the "Internet Addiction Test." Descriptive statistics, analysis of variance, confirmatory factor analysis, and Pearson's correlation were also determined. The developed instrument has the Cronbach's alpha reliability value (25 items) of 0.893, which indicates high internal consistency and has a concurrent value of 0.800. Factor analysis of 23 items revealed that the variance of 64.481 revealed all the items loaded in the rotated component matrix. The final 18 items got the item discrimination index was >1.0 with three-factor structure. The developed reliable and valid instrument can be used for identifying the patterns of internet usage across various settings (research, educational, mental health/clinical, and workplace).

Assessing self-reported core competencies of public health practitioners in Lebanon using the WHO-ASPHER validated scale: a pilot study

BackgroundThe World Health Organization and the Association of Schools of Public Health in the European Region recommend the self-assessment of public health core competencies to strengthen the proficiency of the public health workforce and prepare them for future challenges. A framework for these competencies is lacking and highly needed in Lebanon. This study aims to validate the WHO-ASPHER self-declared scale and evaluate the perceived competency level of the different categories of Lebanese public health practitioners.MethodsThis population-based cross-sectional study conducted online between July and September 2021 involved 66 public health practitioners who graduated from different universities in Lebanon. Data were collected using the snowball technique via a self-report questionnaire that assessed public health proficiency, categorized into 1) content and context, 2) relationship and interactions, and 3) performance and achievements. The rotated component matrix technique was used to test the construct validity of the scales. Bivariate and multivariate analyses were performed after ensuring the adequacy of the models. Significance was set at a p-value < 0.05.ResultsThe factor analysis for scale domains showed that the Barlett test sphericity was significant (p < 0.001), high loadings of items on factors, and Cronbach’s alpha values of more than 0.9 in all three categories, showing an appropriate scale validity and reliability. The perceived level of competencies was significantly different between public health professionals and other health professionals with public health activities. All respondents scored low in most public health categories, mainly science and practice.ConclusionData findings showed variability of self-declared gaps in knowledge and proficiency, suggesting the need to review the national public health education programs. Our study offers a valuable tool for academia and public health professionals to self-assess the level of public health proficiency and guide continuous education needs for professional development.

Effect of Mobile Banking on Performance of Microfinance Banks in Kenya

Purpose: The purpose of this study was to establish the effect of mobile banking on performance of microfinance banks in Kenya&#x0D; Methodology: The study adopted positivism philosophy approach and descriptive research design was used. The study also used census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. The questionnaires were self-administered and primary data was collected from the thirteen regulated microfinance banks. The data was analyzed using the Statistical Package for Social Science. Descriptive and inferential statistics were used for preliminary analysis. Factor analysis was conducted to reduce the number of factors and Kaiser Mayer Olkin and Barlett’s test of Sphericity were tested and total variance explained, scree plot and rotated component matrix were drawn.&#x0D; Findings: The findings showed that majority of the respondents were in agreement that it is easy to deposit and withdraw cash, transfer funds, apply loan and check the balance using mobile banking. The hypothesis (H02) findings showed that mobile banking had a significant effect on performance of MFBs. The summary model showed that the R was 0.280 and R square of 0.078. This implied that mobile banking predicted 7.8% of the performance of MFBs. The ANOVA results showed that F value was 4.940 and a p value of 0.030 which indicates that it was statistically significant. After the T test mobile banking beta coefficient was the regression model was generated Y = 2.841+ 0.271MBA.&#x0D; Unique Contribution to Theory, Practice and Policy: The study recommends that MFBs should partner with telecommunication services providers to develop products and services which are customer oriented and easy to use. They should develop strategies on market penetration by creating awareness on the product and services available in the market.

Effect of Agency Banking on Performance of Microfinance Banks in Kenya

Purpose: The purpose of this study was to establish the effect of agency banking on performance of microfinance banks in Kenya&#x0D; Methodology: The study adopted positivism philosophy approach and descriptive research design was used. The study also used census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. The questionnaires were self-administered and primary data was collected from the thirteen regulated microfinance banks. The data was analyzed using the Statistical Package for Social Science. Descriptive and inferential statistics were used for preliminary analysis. Factor analysis was conducted to reduce the number of factors and Kaiser Mayer Olkin and Barlett’s test of Sphericity were tested and total variance explained, scree plot and rotated component matrix were drawn.&#x0D; Findings: The descriptive statistics findings disclosed that agency banking has a positive effect on performance of MFBs. This was shown by 71.7% of the respondents were in agreement that agency banking influence the performance of MFBs. The findings showed that the relationship between agency and performance was p value was 0.018 and F test of 5.908 showing that the model was statistically significant for the data set. The coefficient table showed that the equation was Y = 2.680 + 0.355AGB. The findings denoted that agency banking has a moderate relationship with performance of MFBs. The MFBs are using agency banking to grow their businesses thus generating profits and capital gain.&#x0D; Unique Contribution to Theory, Practice and Policy: The study recommends that MFBs should open more agents especially in the rural areas to facilitate population access near services. In addition, the management team and the policy makers should ensure that policies are elaborated to protect the customers from fraud and also exploitation by the business owners due to higher transaction cost and the business operating the agents should be trained on fraud policies because it is affecting many customers. The government and the MFBs should ensure all those operating the agents are well trained on record keeping, managing of funds, and customer care.

Effect ATM Banking on Performance of Microfinance Banking in Kenya

Purpose: Microfinance banks are investing in ATM banking to satisfy the requirements of the households of accessing financial services and to achieve inclusive economic growth. The study sought to evaluate the effect of ATM banking on performance of the microfinance banks in Kenya. The study was postulated by technology acceptance model.&#x0D; Methodology: The study adopted positivism philosophy, descriptive research design and census survey. The target population was the thirteen Microfinance Banks regulated by the Central Bank of Kenya. Primary data was collected using questionnaires which were self-administered. Descriptive and inferential statistics were used to calculate the simple means; standard deviations and to make conclusions from the information. Data was presented using frequency tables, and correlations table. Factor analysis was conducted to reduce the number of factors and Kaiser Meyer Olkin and Barlett’s test of Sphericity were tested and total variance explained, scree plot and rotated component matrix were drawn. Model R - Square, ANOVA Statistics and regression coefficients R were used to test the hypothesis of bivariate model.&#x0D; Findings: The results show that ATM banking had an R square of 0.931 and a p value of 0.000 to explain the performance of microfinance banks. The study concluded that there is a statistically significant relationship between ATM banking and performance.&#x0D; Unique Contribution to Theory, Practice and Policy: The study recommends that microfinance banks should reinforce the security of the ATM machine and partner with other banking institutions to invest in ATMs to reduce operation cost and this will enhance performance of the MFBs.