Role of Commercial Bank in Promoting Savings Among the People of Juba County-Soutthern Sudan: A Case Study of Kenya Commercial Bank (Kcb)-Sudan Limited Juba.

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TABLE OF CONTENTS

DECLARATION ........................................................................................ i

APPROVAL .............................................................................................. ii

DEDICATION .......................................................................................... iii

ACKNOWLEDGEMENT .................................. , ......................................... iv

LIST OF ACRONYMS ................................................................................ V

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

LIST OF TABLES ..................................................................................... vii

LIST OF FIGURES .............................................................................. , .... viii

ABSTRACT ................................................................................................ xi

CHAPTER ONE ............................................................................................ l

INTORDUCTION .......................................................................................... 1

1.1 Background to the study ....................................................................... 1

1.2 Statement of the problem ...................................................................... 2

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

1.4 Research Objectives ............................................................................. 3

1.5 Research Questions ............................................................................... 3

1.6 Research Scope .......................................................................... : .......... 3

1. 7 Significance of the study ....................................................................... .4

CHAPTER TW0 ................................................................................................ 5

LITERATURE REVIEW .......................................................................................... 5

2. 0 Introduction ................................................................................................... 5

2.1 The concept of Commercial banking and saving in Financial Institutions .... 5

2.2 Relationship between Commercial Banks and saving among people ........... 6

2.3 Saving products offered by Commercial banks to the local population ....... 8

2.4 Role of Commercial banking in promoting saving among people ................ 10

CHAPTER THREE .................................................................................................... 13

METHODOLGY ....................................................................................................... 13

3.0 Introduction ................................................................................. : ................... 13

3.1 Research Designed .......................................................................................... 13

3.2 Target Population ............................................................................................ 13

3.3 Sampling Designed .......................................................................................... 14

3.3.1 Table of Sample size ..................................................................................... 14

3.4 Data Collection Tools and procedure .............................................................. 14

3.4.1 The Questionnaires ..................... : ................................................................. 14

3.4.2 Interviews ..................................................................................................... 15

3.5 Reliability and Validity of Data collection tools ............................................... 15

3.6 Research Procedure ......................................................................................... 15

3. 7 Data Analysis and Presentation ...................................................................... 16

Vll

CHAPTER FOUR ..................................................................................................... 17

DATA PRESENTATIONS, ANALYSIS AND INTERPRETATION ............................... 17

4.0 Introduction .............................................................................. : ................... 17

4.1 Demographic Characteristics of Respondents .............................................. 17

4.2 Relationship between Kenya Commercial Bank and Savings in Juba

County ............................................................................................................ 21

4.3 Saving Products Offered by Kenya Commercial Bank to People of

Juba ............................................................................................................... 24

4.4 Role of Kenya Commercial Bank in Promoting Savings Among the People of

Juba ............................................................................................................... 27

CHAPTER FIVE ...................................................................................................... 31

SUMMARY, DISCUSSION, RECOMMENDATIONS AND

CONCLUSION ......................................................................................................... 31

5.0 Introduction ................................................................................................... 31

5.1 Summary and discussion of the Major Research Findings ........................... 31

5.2 Conclusion .................................................................................................... 33

5.3 Recommendation .......................................................................................... 34

5.4 Areas for Further Research ......... .' ................................................................. 35

REFERENCES .......................................................................................................... 36

APPENDICES .......................................................................................................... 38

APPENDIX 1 Interview Guides ............................................................................ .38

ABSTRACT The study examined the role of Kenya Commercial Bank (KCB) in promoting savings among the people of Juba County, Southern Sudan. The objectives of the study were to establish the relationship between (KCB) and savings, to determine the saving products offered by KCB and to find out the role of Kenya Commercial Bank in promoting savings. The study was conducted at KCB situated along Yei Road, .Juba District, and it covered period of six months that is, from November 2009 to April 2010. In the literature review, theories were used to support the study and concepts linked and analyzed to bring out and understand the objectives. In the research methodology, the study employed a case study design were both qualitative and quantitative approaches were employed and the study population consisted of management of the bank, bank's employees, bank's clients and 70 respondents were sampled through stratified sampling technique. Both questionnaire and interview methods were used to collect data and the researcher followed all the research procedures on ground besides, respecting all the ethical and logistical considerations of research. Both qualitative and quantitative approaches were also used to analyze data. The findings of the study reveal that Kenya Commercial Bank plays a vital role in promoting savings among the people of Juba-County using different approaches and techniques· like sensitizing and educating the rural poor, improving interest rates, establishing appropriate saving instruments among others'. And the bank offers a variety of savings products such as Amana accounts, Cubs Accounts, Simba Accounts, Students Accounts, Savings Accounts, Fixed Deposit accounts, Islamic Accounts among others hence capturing those rural poor. Conclusively, Kenya Commercial Bank and saving products are intertwined and inseparable.

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Role of Commercial Bank in Promoting Savings Among the People of Juba County-Soutthern Sudan: A Case Study of Kenya Commercial Bank (Kcb)-Sudan Limited Juba.

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