TABLE OF CONTENT

Title

Organizational Chart ii

Map of Uganda showing Centenary Banks~ iii

Declaration IV

Approval v

Dedication vi

Acknowledgement vii

Operational Definitions viii

Table of Content ix

Abbreviations xii

List of tables/figures~ xiii

Abstract Xiv

CHAPTER ONE

1.0 Introduction I

1.1 Background to the study 1

1.2 Statement of the problem 3

1.3 Objectiveofthestudy 3

1.3.1 Purposeofthestudy 3

1.3.2 Specific Objectives 3

1.4 Research Questions 3

1.5 Scope of the study 4

1.6 Significance of the study 4

1.7 Conceptual Frame work 5

1.8 Hypothesis of the study 5

CHAPTER TWO

2.0 Literature Review 7

2.1 Introduction 7

2.2 Causes of poor loan Assessment and recovery 8

x

2.3 Issues that emerge as a result of poor loan Assessment and recovery .14

2.4 The management methods of loan recovery 14

2.5 The challenges faced by Banks in managing loan recovery 17

2.6 Benefits of loan scheme to borrowers 18

2.7 Effects of poor loan recovery to bankS 18

2.8 Proposed solution to poor loan assessment and recovery 20

CHAPTER THREE

3.0 Methodology 22

3.1 Introduction 22

3.2 Research Design 22

3.3 Study population 22

3.4 Sample selection and size 23

3.5 Research Instruments 23

3.6 Validity and reliability of the instruments 24

3.7 Data collection methods 24

3.8 Procedure of Data collection 24

3.9 Data processing and analysis 24

3.10 Limitation of the study 25

CHAPTER FOUR

4.0 Introduction 27

4.1 Demographic characteristic of respondents 27

4.2 Conclusion 39

CHAPTER FIVE

5.0 Discussion, Conclusion and Recommendation 40

5.1 Introduction 40

5.2 Discussions 40

5.3 Conclusions 41

5.4 Recommendations~ 42

xi

5.5 Areas of further research’ 43

References’ 44

Appendix

Appendix A: Data Collection Instruments’ 47

Instruments No. 1: Interview Guide’ 48

Instrument No. 2: Questionnaires 50

Estimated Budget 51

Time Frame’ 52