TABLE OF CONTENTS
DECLARATION .......................................................................................................... i
APPROVAL ................................................................................................................ ii
DEDICATION ........................................................................................................... iii
ACKNOWLEDGEMENTS ............................................................................................. iv
CHAPTER ONE ......................................................................................................... 1
1.0 Background to the Study ................................................................................ 1
1.1 Statement of the Problem ........................................................................... 3
1.2 Purpose of the Study ........................................................................................ 3
1.3 Objectives of the Study ................................................................................... 3
1.4 Research Questions ......................................................................................... 3
1.5 Significance of the Study ................................................................................. 4
1.6 Scope of the Study ....................................................................................... 4
1.7 Conceptual Framework .................................................................................... 4
1.8 Organization of the Report .............................................................................. 6
:HAPTER TWO ........................................................................................................ 8
1.0 Literature Review ............................................................................................ 8
(.1 Credit Risk Management.. ................................................................................ 8
'..2 Appraisal (Avoidance) ..................................................................................... 11
'.. 3 Credit Rating ................................................................................................. 12
.4 Technical Feasibility ....................................................................................... 17
.5 Financial Viability and Financial Analysis .............................................................. 18
.6 Risk Transfer ................................................................................................. 20
.7 Risk Diversification ......................................................................................... 27
,8 Risk Retention ........................................................................................... 27
9 Loan Performance ........................................................................................... 29
10 Relationship between Loan Appraisal and Loan Performance ............................ 30
V
2.11 Relationship between other Risk Management Techniques and Loan
Performance ........................................................................................................... 31
CHAPTER THREE RESEARCH METHODOLOGY .......................................................... 34
3.0 INTRODUCTION ................................................................................................ 34
3.1 Research design ................................................................................................ 34
3.2 Research population .......................................................................................... 34
3.3 Sampling procedure ........................................................................................... 34
3.3.2 Stratified sampling .......................................................................................... 34
3.4 Sample size ....................................................................................................... 34
3.5.0 INSTRUMENTS ............................................................................................... 35
3.5.2 Questionnaire ................................................................................................. 35
3.5.3 Interviews ...................................................................................................... 35
3.5.4 Documentary Review ...................................................................................... 36
3.6 Data processing and analysis ............................................................................. 36
3.7 Limitations of the study ..................................................................................... 36
CHAPTER FOUR ............................................................................................... 37
4.0 DATA PRESENTATION, ANALYSIS AND INTERPRETATION ................................ 37
4.1 Introduction .................................................................................................. 37
4.2 Demographic Data ......................................................................................... 37
4.2.3 Qualification of Respondents ........................................................................... 38
4.2.4 Working Experience in the Bank ........................................ : ............................. 39
4.2.5 Status of Respondents by Age ......................................................................... 40
4.2.6 Working Experience in the Banking Sector ...................................................... .41
4.3 Factor Analysis ................................................................................................ 41
4.4.1 Relationship between Loan Appraisal and Loan Performance ........................ .45
:::HAPTER FIVE ................................................................................................ 47
5.0 INTERPRETATION, DISCUSSION, CONCLUSION AND RECOMMENDATION ........ 47
5.1 Introduction .................................................................................................. 47
VI
5.2 Interpretation and Discussion of Results .......................................................... 47
5.2.1 Examining the Relationship between Loan Appraisal and Loan Performance .
.............................................................................................................................. 47
5.2.2 Examining the Relationship between Financial Viability, Financial Analysis and
Loan Performance ................................................................................................... 48
5.2.3 Examining the Relationship between Technical Feasibility and Loan
Performance ......... .49
5.3 Examining the Relationship between other Risk Management Techniques and
Loan Performance .................................................................................................... ..
.................................................................................................................... 50
5.4 Conclusions ................................................................................................... 52
5.5. Recommendations ......................................................................................... 53
5.6 Areas for Further Research ............................................................................. 55
References ............................................................................................................. 56
VII
SARAH, A (2021). The Impact Of Credit Management On The Performance Of Small Medium Seized Enterprises: A Case Study Of Finca Uganda, Gulu Branch. Afribary. Retrieved from https://afribary.com/works/the-impact-of-credit-management-on-the-performance-of-small-medium-seized-enterprises-a-case-study-of-finca-uganda-gulu-branch
SARAH, APIYO "The Impact Of Credit Management On The Performance Of Small Medium Seized Enterprises: A Case Study Of Finca Uganda, Gulu Branch" Afribary. Afribary, 03 Jun. 2021, https://afribary.com/works/the-impact-of-credit-management-on-the-performance-of-small-medium-seized-enterprises-a-case-study-of-finca-uganda-gulu-branch. Accessed 08 Sep. 2024.
SARAH, APIYO . "The Impact Of Credit Management On The Performance Of Small Medium Seized Enterprises: A Case Study Of Finca Uganda, Gulu Branch". Afribary, Afribary, 03 Jun. 2021. Web. 08 Sep. 2024. < https://afribary.com/works/the-impact-of-credit-management-on-the-performance-of-small-medium-seized-enterprises-a-case-study-of-finca-uganda-gulu-branch >.
SARAH, APIYO . "The Impact Of Credit Management On The Performance Of Small Medium Seized Enterprises: A Case Study Of Finca Uganda, Gulu Branch" Afribary (2021). Accessed September 08, 2024. https://afribary.com/works/the-impact-of-credit-management-on-the-performance-of-small-medium-seized-enterprises-a-case-study-of-finca-uganda-gulu-branch