Evaluation Of Credit Policy Management And Performance Of Micro-Finance Institutions In Uganda A Case Study Of Pride Microfinance

ABSTRACT

The study aimed at finding the relationship between credit policy management

and performance of Micro-finance Institutions in Uganda. It mainly looked at

Pride Uganda in Kampala city.

The study was intended to evaluate the credit policy management elements in

Uganda.

The researcher utilized both quantitative and qualitative methods for data

analysis. Respondents included credit officers and MFI clients, both male and

female.

The outcome of the research revealed that there are specific yardsticks for

measuring credit performance; business profitability, groups' ability to repay the

loan, Frequency of loan taking, level of savings, credit management and long

term survival of an individual business.

The study concludes that great efforts are being put by MFis to ensure their

performance and the efforts of their regulatory body (MFRC), which makes

their operations easier. Though there are still some difficulties especially on the

side of the credit takers, who at times fail to reimburse credits taken by them.

This is also associated with ignorance however; MFis are trying with greater

efforts to ensure good use of funds/loan taken by their customers. Such efforts

are all enhancing MFis performance.

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