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
ABSTRACT The purpose of this study was to investigate the effect of credit management on the sustainability of micro finance institutions in pride microfinance Mukono branch. The specific objectives of the study were to evaluate the relationship between pre-credit disbursement process and MFI's sustainability, to establish the relationship between credit terms and clients' needs' satisfaction and to evaluate the relationship between credit delivery and repayment process. The methods used for data collection were questionnaires to the staff members of pride micro finance and focus group discussions for clients. In chapter four, the findings were presented and interpreted in relation to the study objectives and research questions. While linking to the existing literature, results included demographic characteristics, frequency and percentages. Based on the findings it was observed that there is significant relationship between credit management and sustainability of MFI's. In chapter five, development of solutions to the problem, summary of the findings and conclusions were attempted. The findings suggested recommendations on areas pertaining to capacity building programs to the firm's man power widening the scope of the amenity among others.
