The Role Of Banking Institutions Towards Improving Household Incomes In Kabalagala, Kampala District: A Case Study Of Centenary Rural Development Bank, Kabalagala Branch

TABLE OF CONTENTS

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

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

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

ACKNOWLEDGEMENT ·········································································································· IV

LIST OF TABLES ......................................................................................................................... v

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

ABSTRACT .................................................................................................................................... x

CHAPTER ONE ·································••o•o••····················································································l

1.0 Introduction ............................................................................................................................ 1

1.1 Background of the Study ........................................................................................................ 1

1.2 Problem Statement ................................................................................................................. 4

1.3 Purpose of the Study .............................................................................................................. 5

1.4 Research Objectives ............................................................................................................... 5

1.5 Research Questions ................................................................................................................ 5

1.6 Scope of the Study ................................................................................................................. 5

1.6.1 Geographical Scope ............................................................................................................ 5

1. 7 Significance of the Study ....................................................................................................... 6

1.8 The Conceptual Frame Work ................................................................................................. 6

CHAPTER TWO ...................... o.oo••·············••o•e••······ ..····································································8

LITERATURE REVIEW ............................................................................................................. 8

2.0 Introduction ............................................................................................................................ 8

2.1 Employment Literature .......................................................................................................... 9

2.2 Literature on Loans and Credit Facilities ............................................................................. l 0

2.3 The Role of Financial Institutions in the Economy ........................................................ .11

vi

2.4 Significance of the financial institutions in Kabalagala centenary bank ............................ .12

2.5 Challenges of financial sector in Uganda ............................................................................ 12

2.6 Household Resource ............................................................................................................ 14

2. 7 Household Activities ............................................................................................................ 14

2.8 View of Commercial Banks on Financial Institutions ......................................................... 14

CHAPTER THREE ..................................................................................................................... 15

METHODOLOGY ...................................................................................................................... 15

3.0 Introduction .......................................................................................................................... 15

3 .1 Research Design ................................................................................................................... 15

3 .2 Study Population .................................................................................................................. 15

3.3 Sample Size .......................................................................................................................... 15

3 .4 Sampling Procedure ............................................................................................................. 16

3.5 Sampling Technique ............................................................................................................ 16

3.6 Data Collection Method ....................................................................................................... 16

3.6. 1 Primary Data .................................................................................................................... 17

3.6.2 Secondary Data ................................................................................................................. 17

3. 7 Data Collection Instruments ................................................................................................. 17

3. 7 .1 Questionnaires Method ..................................................................................................... 17

3.7.2 Interview Method .............................................................................................................. 17

3.8 Measurement of Variables ................................................................................................... 17

3.8.1 Validity of Instruments ..................................................................................................... 17

3 .8.2 Pre-Testing ........................................................................................................................ 18

3.8.3 Reliability ofinstruments .................................................................................................. 18

3.8.4 Data Validity ..................................................................................................................... 18

3 .9 Data Processing and Analysis .............................................................................................. 18

vii

3 .10 Limitations of the study ..................................................................................................... 18

CHAPTER FOUR ....................................................................................................................... 20

DATA ANALYSIS INTERPRETATION AND PRESENTATION ....................................... 20

4.0 Introduction .......................................................................................................................... 20

4.1 Social Demographic Characteristics for Staff ...................................................................... 20

4.2 The Role of Centenary Bank ................................................................................................ 23

CHAPTER FIVE ......................................................................................................................... 32

FINDINGS, DISCUSSION, CONCLUSION AND RECOMMENDATIONS ....................... 32

5.0 Introduction .......................................................................................................................... 32

5.1 Findings ................................................................................................................................ 32

5.2 "Has Centenary Bank Generated Significant Number of Employment Opportunities to

Improve Standards of Living?" .................................................................................................. 33

5.3 "Has Centenary Bank Played any Role in the Provision of Soft Loans and Credit Facilities

to the People" ............................................................................................................................. 33

5.4 Has Centenary Bank Improved On The Savings Rate Of The People?" ............................. 34

5.5 Conclusion ........................................................................................................................... 34

5.6 Recommendations ............................................................................................................... .35

5. 7 Areas for Future Research .................................................................................................... 3 5

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

APPENDICES .............................................................................................................................. 40

APPENDIX I: ............................................................................................................................... 40

QUESTIONNAIRE FOR STAFF .............................................................................................. 40

APPENDIX II: ............................................................................................................................. 43

QUESTIONNAIRE FOR CLIENTS ......................................................................................... 43

INTERVIEW GUIDE ................................................................................................................. 46