Micro Financing and Performance of Small Businesses· A Case of Mbarara Municipality

TABLE OF CONTENTS

Cover page ................................................................................................................................ i

Title page ............................................................................................................................... ii

Declaration page ..................................................................................................................... iii

Approval page ....................................................................................................................... iv

Dedication ............................................................................................................................... v

Acknowledgment .................................................................................................................... vi

Table of contents ................................................................................................................... vii

List of tables ........................................................................................................................ viii

Abbreviations ......................................................................................................................... ix

Abstract .................................................................................................................................. x

CHAPTER ONE: GENERAL INTRODUCTION

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

1.1 Background of the study ................................................................................................ I

1.2 Statement of the problem ................................................................................................ 3

1.3 Objective of the study ..................................................................................................... 4

1.4 Specific objectives of the study ...................................................................................... 4

l .5 Research Questions ........................................................................................................ 4

l .6 The scope of the study ...................................................................................................... 4

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

I . 8 Conceptual framework .................................................................................................... 6

CHAPTER TWO: LITERATURE REVIEW.

2.0 Introduction ...................................................................................................................... 8

2.1 Concept of micro finance .................................................................................................. 8

2.2 Effect of microcredit on profitability ................................................................................ 9

2.3 Effect of training on profitability .................................................................................... 11

2.4 Relationship between micro financing and performance of small businesses ............. 12

2.5 Conclusion ...................................................................................................................... l 3

CHAPTER THREE: RESEARCH METHODOLOGY.

3.0 Introduction .................................................................................................................... 14

vii

3. I Research design .............................................................................................................. 14

3 .2 Study population ............................................................................................................. 14

3.3 Sample Size .................................................................................................................... 15

3.4 Sampling procedure ........................................................................................................ 15

3 .5 Data collection sources .................................................................................................... I 5

3.5.1 Primary data sources ........................................................................................................ 15

3.6 Data collection methods and tools ................................................................................... 16

3 .6.1 Survey data collection method ........................................................................................ 16

3.7 Data processing, analyzing, presentation and limitations of the study ............................ 16

3. 7. I Data processing ................................................................................................................ 16

3.7.2 Data analysis .................................................................................................................... 16

3. 7.3 Data presentation ............................................................................................................. 17

3.7.4 Limitations of the study ................................................................................................... 17

CHAPTER FOUR: DATA PRESETATION, ANALYSIS AND INTERPRETATION OF

FINDINGS.

4. 0 Introduction ..................................................................................................................... 18

4.1 Background of the respondents ...................................................................................... 18

4.2 Conclusion ....................................................................................................................... 49

CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATION

5.0 Introduction .................................................................................................................... 50

5.1 Summary of findings ...................................................................................................... 50

5.2 Conclusions .................................................................................................................... 57

5.3 Recommendations .......................................................................................................... 57

5.4 Suggestions for further research ..................................................................................... 58

REFERENCES ........................................................................................................................ 59

Appendix I: Questionnaire for Small Business owners ........................................................... 62

Appendix 2: Letter of introduction from Uganda Martyrs University