Kampala International University the Effect of Credit Management On the Sustainability Oji' Microfinance Institutions: A Case Study of Pride Microfinance - Mukono Branch, Uganda.

TABLE OF CONTENTS

DECL.A.RA.TION •...•...•••..•..•.••••.•.••....••...•.....•...••...•••...••.••.........•...•.•.....•.•••........•...•..•.•.•..••..•••• i

DEDICATION ........................................................................................................................ ii

ACKNOWLEDGMENT •••..•••...••...••....•....•••...•....••...••....••..•••..•...•.•.••••...•.•.•••..•.•••.••.••..•...•... iii

LIST OF FIGURE-S ............................................................................................................. iv

LIST OF TABLES .......•......................................................................................................... V

TABLE OF CONTENTS ...........................•......................................................................... vi

ABBRE'VIA TIO NS •••...••.•..••..••••...•..•••....•.•....•...•.•.•.•...•••..••...••..•••.•..•.•.•••••.••.••••.•••.•••..•••.•.• viii

ABSTRACT ..........................•....•............................................................................................ ix

CH.AP'TER ONE ..................................................................................................................... I

INTRODUCTION ...............•.................................................................................................. 1

1.1 Background to the study ........................................................................................... I

1.2 Statement of the problem .......................................................................................... 3

1.3 Purpose of the study .................................................................................................... 3

1.4 Objectives of the study ............................................................................................... 3

1.4.1 General objectives ..................................................................................................... 3

1.4.2 Specific objectives ..................................................................................................... 4

1.5 Research questions ...................................................................................................... 4

1.6 Scope of the study ........................................................................................................ 4

1. 7 Limitations of the Study ............................................................................................. 4

1.8 Significance of the study ............................................................................................ 5

1. 9 Theoretical Framework ............................................................................................... 6

CH.AP'TER TWO ..........•...•...................................................................................................•. 7

LITERATURE REV'IE-W ..................................................................................................... 7

2.1 Introduction .................................................................................................................... 7

2.2 Over view of Micro Finance ....................................................................................... 7

2.3 The pre-credit Disbursement process ................................................................... 8

2.3.1 The program framework ......................................................................................... 8

2.3.2 Promotion .................................................................................................................... 9

2.3.3 Clients selection ...................................................................................................... IO

2.3.4 Credit terms .............................................................................................................. 10

2.4 Credit delivery and payment process ................................................................... I 0

CH.AP'TER THREE ........•.•........•................................................•..................•.•................... 12

METHODOLOGY ...........•.................................................................•.•....•.•......................... 12

3.1 Introduction .................................................................................................................. 12

3.2 Research design .......................................................................................................... 12

3.3 Study population ........................................................................................................ 12

3.4 Sample size and selection ........................................................................................ 12

3.5 sources of data and data collection methods .................................................... 13

3.6 Data processing and analysis ................................................................................. 13

CH.AP'TER FOUR. ...........•................................................................................................... 15

PRESENTATION, INTERPRETATION AND DISCUSSION OF THE .............. 15

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4.1 Introduction .................................................................................................................. 15

4.2 Demographic Characteristics of Respondents .................................................. 15

4.2.1 Sex of Respondents ................................................................................................ 15

CH.APTER FIVE- .................................................................................................................. 28

SUMMARY, CONCLUSIONS AND RECOMMENDATIONS .................................. 29

5.1 Introduction .................................................................................................................. 29

5.2 Summary of findings ................................................................................................. 29

5.3 Conclusion .................................................................................................................... 29

5.4 Recommendations ...................................................................................................... 30

5.5 Areas for further studies .......................................................................................... 32

REFERENCES .................................................................................................................... 33

APPENDD{ A: INTRODUCTORY LETTER .............................................................. 33

APPENDD{ B: A SKETCH MAP OF MUKONO ......................................................... 36

APPENDD{ C: QUESTIONNAIRE TO BRANCH STAFF ....................................... 37