The Effects Of Credit Policy On The Performance Of Commercial Banks A Case Study Of Centenary Rural Development Bank (Uganda)

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TABLE OF CONTENTS

Declaration ...................................................................................................... i

Approval .................................................................. ..................................... .ii

Dedication ... .. .................. ............ .......................... ...... .. ..... ......... .. ..... .......... .iii

Acknowledgement ................. . ..... .. .................................................................. .iv

Table of contents ...... ................................. .... .. ......... ..... ... ............................. .... v

List of tables ............. .... ................ ...... ....... ... .. .. .................... .... ....... .............. vi

<:~1r~lt ()~ ............................................................................................. }

1.0.Introduction ....................................................... .. ................... ....... ............. 1

1.1.1 Background of the study ........................... ................................................ 1

1.1.2 Background of the case study ............................ .... ................ .. ................... 2

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

1.3 Purpose of the study ..................................................................................... 3

1.4 Objectives of the study ...... .. ...... .... ........................... ................................... 4

1.5 Research question ....................................................................................... 4

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

1.6.1 The geographical .. ............................................... ... ................................. 4

1.6.2 The subject of the scope ................................ .. .. .. .............. .... .. ... .... . .............. 4

1.6.3 The time scope ..................................................................................... .. . .. 4

1.7 Significance of the study ................................................................................. 4

1.8 Organization of the study ...................................................... .............. ............. 5

1.9 Conceptual frame work ...................................................... . ............................ 6

1. 9.1 Data collection ......... ... ....... .. ......... ............................................................ 7

1.9.2 Data analysis and presentation ........................ ..... ........................................... 7

1.9.3 Limitation of the study .................................... ......... ... .. . ................... ...... ... .. ?

1.9.4 Information gap ...... ......................................................... ... .... ..... ... ........ .... ?

1.9.5 Financial constraints .................................................................... . ............... 7

v

<:~~It~() •...........•...... ...•... ...•.......................•..............................•........ ~

2.0 Over view of the credit policy ........ . ...... ... ... ... .... ................................. ... ....... .... 8

2.1 Related literature to the different credit policies ................ .. ... ... .... . ....... .. . .... .. ......... &

2.1.1 Establishing an optimum credit policy .... ...................... .... .. ... .... ... ............ .. ....... 9

2.1.2 Credit policy variables .. ......... . ... ........ .. ... ............... .. ............ ......... ............... 9

2.1.3 Credit standards ............... .. .. ........ .... .. ...... ..... ....... ... ......... ... .......... .......... ... 9

2.1.41 Credit terins .......... ... .... .. .. ... . .... .... .. ...... ..... . ................................ ....... .. ... 10

2.1.5 Collection efforts ............. .. .. . .... . .... ... .. . ............ ............ .......... .. ...... ... . ....... 11

2.2 Related literature to the performance parameters/indicators of commercial banks ............. 11

2.2.1 Credit classification criteria ............. .... .. ... ................ . ...... .. . .... . .. .. . .. .............. 11

2.2.2 Categories of classification ..... ... .. ... ... .. ... .. ................. . .. .... .. .... ..... ... ....... ....... 12

2.3 Related literature of the relationship between credit policy and commercial banks .. .. . ....... 11

2.3.1 Introduction ............... .. ..... .. .. ........ .. .. ............ ... ......... . ... ......... ... ............ ... 15

2.3 .2 Review of application ......... ....... ..... ... ................................. ........................ 15

<:~1r~lt 1r~~ •.....•••.•.....•...•...•..•••.••..••••.••..••••••.•••..•••..•••.••.••.••••.•.•••.•..•.. 2()

3 .Ointroduction ....... ... .. ..... ............. .... ......... .. ... .... ..... ...... . ... ... .. ... ... .... .. ... ......... 20

3.1 Research design ......... ... ... ... .. ...... .. ...... ..... ... ........ ................. ... .... ... ............. 20

3.2 Sampling designing ............. .. ............ .. ...... ..... ..... ....... .. ... ... ... ..... .................. 20

3.3 Sample size ............... ..... . .............................. .... ........................................ 21

3.4 Data source . ... .. ............. .. ..... .... ..... ............ .. ..... . .. ...... ..................... . .... . ...... 21

3.5 Data collection procedures .................................................................... .... ... ... 22

3.6 Questionnaire method .... .. ......... .. . ..... ... ............................ . ...... ..... ..... . ...... .. ... 22

3. 7 Data processing and analysis ............... .. . ... ....... .. .. ............................... ...... ... 22

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APA

SSA, R (2021). The Effects Of Credit Policy On The Performance Of Commercial Banks A Case Study Of Centenary Rural Development Bank (Uganda). Afribary.com: Retrieved June 20, 2021, from https://afribary.com/works/the-effects-of-credit-policy-on-the-performance-of-commercial-banks-a-case-study-of-centenary-rural-development-bank-uganda

MLA 8th

Research, SSA. "The Effects Of Credit Policy On The Performance Of Commercial Banks A Case Study Of Centenary Rural Development Bank (Uganda)" Afribary.com. Afribary.com, 04 Jun. 2021, https://afribary.com/works/the-effects-of-credit-policy-on-the-performance-of-commercial-banks-a-case-study-of-centenary-rural-development-bank-uganda . Accessed 20 Jun. 2021.

MLA7

Research, SSA. "The Effects Of Credit Policy On The Performance Of Commercial Banks A Case Study Of Centenary Rural Development Bank (Uganda)". Afribary.com, Afribary.com, 04 Jun. 2021. Web. 20 Jun. 2021. < https://afribary.com/works/the-effects-of-credit-policy-on-the-performance-of-commercial-banks-a-case-study-of-centenary-rural-development-bank-uganda >.

Chicago

Research, SSA. "The Effects Of Credit Policy On The Performance Of Commercial Banks A Case Study Of Centenary Rural Development Bank (Uganda)" Afribary.com (2021). Accessed June 20, 2021. https://afribary.com/works/the-effects-of-credit-policy-on-the-performance-of-commercial-banks-a-case-study-of-centenary-rural-development-bank-uganda