TABLE OF CONTENTS

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

APPROVAL .. : ............................................................................................................................ ii

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

ACKNOWLEDGEMENT .......................................................................................................... iv

TABLE OF CONTENTS ............................................................................................................ v

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

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

ABSTRACT ............................................................................................................................... ix

CHAPTER ONE ........................................................................................................................ 1

INTRODUCTION ..................................................................................................................... 1

1.0 Introduction ........................................................................................................................... I

1.1 Background of study .............................................................................................................. 1

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

1.3 The purpose of the study ....................................................................................................... 3

1.4 Objectives of the study .......................... , ............................................................................... 3

1.5 Research questions ................................................................................................................ 3

1.6 Scope of the study .................................................................................................................. 4

1.6. I Geographical scope ............................................................................................................ .4

1 .6.2 Content scope ..................................................................................................................... 4

1.6.3 Time scope .......................................................................................................................... 4

1.7 Significance of the study ..................................................................................................... 5

V

CHAPTER TWO ....................................................................................................................... 6

REVIEW OF RELATED LITERATURE .............................................................................. 6

2.0 Introduction ........................................................................................................................... 6

2.1 Defining the concepts of debt, debt management and organizational performance .............. 6

2.1.1 Debt .................................................................................................................................... 6

2.1.2 Debt management ............................................................................................................... 7

2.1.3 Organizational performance ............................................................................................... 7

2.2 Techniques of Debt management .......................................................................................... 8

2.3 Challenges of debt management.. ........................................................................................ I 0

CHAPTER THREE ................................................................................................................. 12

METHODOLOGY .................................................................................................................. 12

3.0 Introduction ......................................................................................................................... 12

3.1 Research Design .................................................................................................................. 12

3.2 Area of study ....................................................................................................................... 12

3.3 Population of the study ........................................................................................................ 13

3.4 Sample size .......................................................................................................................... 13

3.4.1 Sample technique .............................................................................................................. 13

3.4.2 Sample procedure ............................................................................................................. 14

3.5 Data collection instruments ................................................................................................. 14

3.6 Source of data collection ..................................................................................................... 15

3.7 Data analysis ........................................................................................................................ 16

3.8 Ethical procedure ................................................................................................................. 16

3.9 Limitations of the Study ...................................................................................................... 16

vi

CHAPTER FOUR.......................................... . ..................................................................... 18

PRESENTATION, ANALYSIS AND DISCUSSION OF THE FINDINGS ...................... 18

4.0 Introduction ......................................................................................................................... 18

4.1 Socio-demographic Characteristics ..................................................................................... 18

4.1.1 Age of the respondents ..................................................................................................... 18

4.1.2 Marital Status of the respondents ..................................................................................... 20

4.1.3 Genre of the respondents .................................................................................................. 22

4.1.4 Educational status of the respondents ............................................................................... 24

4.2 The techniques of debt management employed by Pride Micr'.lfinance bank ..................... 26

4.3 The impact of debt management on bank performance ...................................................... 28

4.4 The challenges of debt management in Pride Microfinance bank ....................................... 31

CHAPTER FIVE ..................................................................................................................... 33

SUMMARY, CONCLUSION AND RECOMMENDATIONS ........................................... 33

5.0 Introduction ......................................................................................................................... 33

5.1 Summary of the study ........................................................................................................ 33

5.2 Conclusions ......................................................................................................................... 34

5.3 Recommendations ............................................................................................................... 35

5.4 Areas for further research .................................................................................................... 36

REFERENCES ........................................................................................................................ 38

APPENDICES .......................................................................................................................... 43

APPENDJX I: QUESTIONNAIRE .......................................................................................... 43

APPENDIX II: RESEARCH BUDGET .................................................................................... 47

APPENDIX III: TIME FRAME ............................................................................................... .48