TABLE OF CONTENTS
DECLARATION ............................................................................................................................ I .. APPROVAL ................................................................................................................................. II
DEDICATION ............................................................................................................................. 111
ACKNOWLEDGEMENT .......................................................................................................... IV
ABSTRACT .............................................................................................................................. VIII
CHAPTER ONE ........................................................................................................................... 1
INTRODUCTION ......................................................................................................................... 1
1.0 INTRODUCTION .................................................................................................................... 1
1.1 Background to the study ........................................................................................................... 1
1.2 Statement of the problem ......................................................................................................... 3
1.3 Purpose of the study .................................................................................................................. 4
1.3.2 Objectives of the study ........................................................................................................... 4
1.4 Research questions .................................................................................................................... 5
1.5 Scope of the study ............................................... :: .................................................................... 5
1.5.1 Content scope ......................................................................................................................... 5
1.5.2 Geographical scope ................................................................................................................ 5
1.5.3 Time scope .......................................••.................................................................................... 5
1.6 Significance of the study ........................................................................................................... 5
, 1.7 Conceptual frame work ............................................................................................................. 7
CHAPTER TWO .......................................................................................................................... 8
2.0 LITERATURE REVIEW ...................................................................................................... 8
2.1 Introduction ............................................................................................................................... 8
2.1 Credit Risk ................................................................................................................................ 8
2.2 The Effect risk Analysis and Return on Equity (ROE) in Centenary Bank-Bundibugyo
Branch ............................................................................................................................................. 9
2.3 The Impact of P01ifolio Management on Solvency in Centenary banK-Bundibugyo Branch 11 .. 2.4 The Effect of Group Lending on Liquidity in Centenary Bank-Bundibugyo Branch ............ 14
CHAPTER THREE RESEARCH METHODOLOGY .......................................................... 17
3.0 INTRODUCTION .................................................................................................................. 17
V
3 .1 Research Design ...................................................................................................................... 17
3.2 Study Population ..................................................................................................................... 17
3 .3 Sample Size ............................................................................................................................. 17
3 .4 Sampling Procedure ................................................................................................................ 18
3.5 Sources ofData ....................................................................................................................... 19
3.5.1 Primary Data ........................................................................................................................ 19
3.5.2 Secondary Data .................................................................................................................... 19
3 .6 Research Procedures ............................................................................................................... 19
3. 7 Data Collection Methods ........................................................................................................ 20
3.8 Data Processing, Analysis and Presentation ........................................................................... 21
3 .8 .1 Data Processing .................................................................................................................... 21
3.8.2 Data Analysis ................................................... ,: .................................................................. 21
3.9 Ethical Consideration .............................................................................................................. 21
3.10 Limitations of the Study ........................................................................................................ 22
CHAPTER FOUR ....................................................................................................................... 23
PRESENTATION AND INTERPRETATION OF FINDINGS ............................................. 23
4.1 INTRODUCTION .................................................................................................................. 23
4.2 Descriptive Characteristics of the sample ............................................................................... 23
4.2.1 Gender of Respondents ........................................................................................................ 23
4.2.2 Age Distribution of Respondents ......................................................................................... 24
4.2.3: Distribution of Respondents by Level of Education ........................................................... 25
4.3 The Effect of risk analysis and return on equity (ROE) in Centenary Bank-Bundibugyo
branch ............................................................................................................................................ 26
4.4 The Impact of Portfolio Management on Solvency in Centenary Bank-Bundibugyo branch 27
4.5 The Effect of Group Lending on Liquidity in Centenary bank-Bundibugyo branch ............. 30
CHAPTER FIVE ........................................................................................................................ 33
DISCUSSION OF THE FINDINGS, CONCLUSIONS AND ................................................. 33
RECOMMENDATIONS ............................................................................................................ 33
5.0 Introduction ............................................................................................................................. 33
5.1. Discussion of the Findings of the Study ................................................................................ 33
vi
5.1.1 Profile of Respondents ......................................................................................................... 33
5.1.2. Findings on the Effect of Risk Analysis on Return On Equity (ROE) in Centenary BankBundibugyo Branch ...................................................................................................................... 34
5.1.3 The Impact of Portfolio Management on Solvency in Centenary Bank-Bundibugyo Branch
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5.1.4. The Effect of Group Lending on Liquidity in Centenary Bank-Bundibugyo Branch ........ 35
5.2 CONCLUSION ..................................................................................................................... 36
5.3 RECOMMENDATIONS ...................................................................................................... 37
5.4. Areas for Further Research ................................. : .................................................................. 37
REFERENCES ............................................................................................................................ 39
APPENDICES ............................................................................................................................. 45
APPENDIX I: QUESTIONNAIRES ............................................................................................ 45
APPENDIX III: RESEARCH BUDGET ...................................................................................... 49
APPENDIX IV: RESEARCH TIME FRAME ............................................................................. 50
ABSTRACT The study is about credit risk management and profitability of commercial banks in Uganda, a case study of Centenary Bank Bundibugyo Branch. Purpose of the Study is to ascertain the effect of credit risk management on profitability of corm1!ercial banks while basing on findings from the study of Centenary Bank in Uganda. The study is guided by three research objectives namely; to examine the credit risk manageemnnt practices in Centenary Bank-Bundibugyo branch, to establish the determinants of profitability of Centenary Bank-Bundibugyo Branch and to examine the Impacts of Credit Risk Management on Profitability of Centenary BankBundibugyo Branch. The study is based on a descriptive research design to enable the researcher use qualitative and quantitative technique in collecting and analyzing data. The study is based on a population of 400 workers/ staff of Centenary Bank Bundibugyo Branch and sample of 136 respondents has been taken using Slovene's fonnula. The sample of 200 employees has been drawn and purposive sampling has been used and questionnaires and observations have been used as research ins!rnments. The study acquired infonnation from both primary and secondary data, whereby primary data was obtained through questiom1aires and secondary data was collected through the use of a literature survey from both published and non-published reviewed materials such as books, reports, articles, docume1;ts, journals and internet resources will be used. Data was analyzedThe response rate was carried out using tables, Percentages and frequencies as this was relatively simple. After data was collected, the researcher! got the percentages of the response and recorded the response rate in relation to the phenomenon
WINNIE, M (2022). Credit Risk Management and Profitability of Commercial Banks in Uganda. A Case Study of Centenary Bank Bundibugyo Branch. Afribary. Retrieved from https://afribary.com/works/credit-risk-management-and-profitability-of-commercial-banks-in-uganda-a-case-study-of-centenary-bank-bundibugyo-branch
WINNIE, MWIJUKE "Credit Risk Management and Profitability of Commercial Banks in Uganda. A Case Study of Centenary Bank Bundibugyo Branch" Afribary. Afribary, 09 Aug. 2022, https://afribary.com/works/credit-risk-management-and-profitability-of-commercial-banks-in-uganda-a-case-study-of-centenary-bank-bundibugyo-branch. Accessed 05 May. 2024.
WINNIE, MWIJUKE . "Credit Risk Management and Profitability of Commercial Banks in Uganda. A Case Study of Centenary Bank Bundibugyo Branch". Afribary, Afribary, 09 Aug. 2022. Web. 05 May. 2024. < https://afribary.com/works/credit-risk-management-and-profitability-of-commercial-banks-in-uganda-a-case-study-of-centenary-bank-bundibugyo-branch >.
WINNIE, MWIJUKE . "Credit Risk Management and Profitability of Commercial Banks in Uganda. A Case Study of Centenary Bank Bundibugyo Branch" Afribary (2022). Accessed May 05, 2024. https://afribary.com/works/credit-risk-management-and-profitability-of-commercial-banks-in-uganda-a-case-study-of-centenary-bank-bundibugyo-branch