TABLE OF CONTENTS
DECLARATION i
APPROVAL
DEDICATION iii
ACKNOWLEDGEMENT iv
LIST OF TABLES vii
ABSTRACT viii
CHAPTER ONE: INTRODUCTION 1
1 .0 Introduction 1
1.1 Background of the Study 1
1 .2 Statement of the Problem 3
1.3 Purpose of the study 3
1.4 Objectives of the study 3
1.5 Research Questions 4
1.6. Scope of the study 4
1.6.1 Geographical Scope 4
1.6.2 Subject Scope 4
1.6.3 Time Scope 4
1.7 Significance of the study 4
1.8 Conceptual frame work 5
ChAPTER TWO: LITERATURE REVIEW 6
2.0 Introduction 6
2.1 Relationship between Loan services and Poverty reduction 6
2.2 Relationship between training services and Poverty reduction 10
2.3 Relationship between savings services and poverty reduction 13
ChAPTER ThREE: METHODOLOGY 18
3.0 Introduction 18
3.1 Research and Design 18
3.2 Study population 18
3.2.1 Sample Size 18
3,2.2 Sampling Procedure 19
3.4 Data collection Instrument 19
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3.4.1 Questionnaire .19
3.5 Validity of the research instrument 20
3.5.1 Reliability of the research Instrument 20
3.6 Ethical considerations 20
3.7 Data Processing and Analysis 21
3.8 Limitation of the Study 21
ChAPTER FOUR: PRESENTATION, INTERPRETATION AND ANALYSIS
OF FINDINGS 22
4.0 Introduction 22
4.1 Demographic Profile of respondents 22
4.1.1 Findings on Gender of respondents 22
4.1.2 Findings on Age categories of respondents 23
4.1.3 Findings on educational qualifications of respondents 23
4.1 .4 Findings on Marital status of respondents 24
4.3 Savings and credit organizations services 24
4.4.2 Objective two; relationship between savings services and poverty reduction 28
4.4.3 Objective three; the relationship between financial training services and
poverty 29
CHAPTER FIVE: DISCUSSIONS, CONCLUSIONS AND
RECOMMENDATIONS .30
5.0 Introduction 30
5.1 Discussions 30
5.1.1 Objective one; relationship between SACCOs Loan services and poverty
reduction 30
5.1 .2 Objective two; relationship between savings services and poverty reduction 31
5.1.3 Objective three; relationship between financial training services and poverty
reduction 32
5.2 Conclusions 32
5.3 Recommendation 33
5.4 Areas for further research 34
REFERENCES 35
APPENI)IX I: RESEARCII QUESTIONNAIRE 39
ABSTRACT The purpose of the study was to determine the impact of savings and credit organizations on poverty reduction in Jinja municipality. The study objectives were to examine relationship between loan services and poverty reduction in Jinja Municipality, to establish the relationship between savings services and poverty reduction in Jinja Municipality and to establish the relationship between training services on poverty reduction in Jinja Municipality. The study indicated a positive relationship between loan services and poverty reduction in Jinja municipality, since the sig. value (.000) was far less than 0.05. There is no significant relationship between saving services and poverty reduction in Jinja municipality, since the sig. value (.084) was greater than 0.05 and r-value (.177) and Results in table 4.8 indicated a non significant relationship between financial training brings impact on the poverty reduction in Jinja Municipality. Since the sig. value (.3 82) was greater than 0.05 which is the maximum level of significance. The researcher conclude that there existed a positive significant relationship between loan services and poverty reduction in Jinja municipality, hence it is concluded by the researcher that loan service provided by microfinance institutions plays a big role in reducing poverty in the community, it also improves on the capital of the people in Jinja municipality and thus poor loan services to will lead to a usual poverty life in the community. On the second objective, the study conclude that there is no significant relationship between savings services and poverty reduction in Jinja municipality, hence concluding that If the savings requirement is too high then members who cannot meet the stated amounts are automatically pushed out of the credit program. Regarding the third objective, the researcher conclude financial training services and poverty reduction are not significantly correlated, hence concluding that improvement in financial training services would lead to a reduction of poverty in the community. The study recommend that Savings and credit organizations need to make sure that the collateral security requirements are always compatible with the credit required by the client. The researcher recommends that Saccos always allow citizens borrow a specific amount of money and pay back through regular monthly payments with no collateral required. The researcher still recommends to the microfinance institutions in Jinja municipality to provide risk transfer services, hence improving on the insurance services provided. The savings services need to be enhanced to provide avenues for the support of the microfinance savings for poverty reduction. Regarding the relationship between financial training services and poverty reduction in Jinja municipality.
