ABSTRACT 

The research study was undertaken on the micro finance credit policy on loan repayment. The research was based on three objectives as, 1. To analyze the relationship between credit policies on loan repayment. n. To examine and evaluate loan repayment in the bank HI. To establish the credit policies applied in centenary rural development bank. To achieve the study objectives, the researcher collected data from both primary and secondary sources, which data was from records, interviews with clients, annual reports from other institutions, observations and attending centenary rural development bank promotional activities. The study came up with various recommendations such as; data bank should be set up in the country for banks to acquire information about applicant logistics. That plays a role in credit schemes. Insurance against robbery and theft, borrowers who fail to pay.