The study focuses on the investigation of the macro factors that affect the development of the banking sector. Because, The banking sector is rudimentary due to the problems such asheavy dependence of investors in borrowed fund, excessive government borrowing, absence of secondary markets, less attractive deposit rate, limited outreach of banking services, underdeveloped saving culture, poor cross-selling activity of inflow of foreign remittance, deficit in the trade balance of the country. The purpose of this study is, therefore, to investigate the significant determinants and recommend courses of action to be taken and analyze the level of development in comparison to other East African countries. Quantitative research approach is applied using econometric model estimated OLS multiple linear regression and descriptive quantitative analysis technique. The study has found that Trade Openness, Real Interest rate, population growth, and Government consumption expenditure have far reaching statistically significant impact on the development of the banking sector by influencing the volume of credit provided by banks to the private sector. Remittance to GDP ratio, Real Interest Rate and GDP growth rate significantly impact the broad money supply (M2). There is also significant concentration of asset of the sector in three big banks and the Level of liquid asset to total deposit is lower than the East African countries though NPL is the least. The paper recommends strengthening of the trade balance & openness, cut budgetary deficit, increase the real interest rate, cross-selling of inflow of remittance by banks and the NBE shall take measures that enhance financial inclusion and improve the platform of required infrastructure in collaboration with the designated organs of the government to enhance development and competitiveness of the banking sector.

Destination competitiveness has become a critical issue in today’s increasingly challenging tourism market. Many studies have indicated that tourists and their needs stand as the ultimate driving force which influences competition and competitiveness in the tourism destination. Today, destinations eventually compete on the quality of tourism experience offered to visitors.
However, limited research has been undertaken to examine destination competitiveness from the tourist’s perspective.
The purpose of this study is to investigate the effect of quality of tourism experience on tourist’s perception of destination competitiveness. A destination competitiveness model based on the perceptions of tourists and a measurement instrument to assess the constructs of the model were developed for this study. The model proposes that tourists perceived destination competitiveness is affected by the quality of tourism experience; which includes the experience in pre-trip planning, en-route, on-site, and after-trip (reflection) phases.
Furthermore, tourist involvement, as an important salient dimension of consumer behavior, is introduced into the model as a moderating factor in the relationship between quality of tourism experience and perceived destination competitiveness. The sample population of this study consists of residents of Virginia who are 18 years old or above and took at least one leisure trip away from home in the past 18 months. Three hundred and fifty-three usable questionnaires were utilized in the data analysis of the study. Canonical Correlation Analysis (CCA) and Structural Equation Modeling (SEM) analysis were performed to test the study hypotheses.
The results indicated that the quality of tourism experience and tourists perception of destination competitiveness do relate to each other as substantiated by the existence of shared common variances between these two major constructs. The study also revealed that tourist’s perception of destination competitiveness is positively influenced by the quality of tourism experience in terms of different phases (pre-trip planning, en-route experience, on-site instrumental experience, on-site expressive experience and after-trip reflection). Furthermore, tourist involvement appears to have a moderating effect on the relationship between pre-trip planning experience, en-route experience, on-site expressive experience, and perceived destination competitiveness