The Impact of Debt Management On Performance of Organizations in Uganda: A Case of Pride Microfinance Bank

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TABLE OF CONTENTS

DECLARATION .......................................................................................................................... i

APPROVAL .. : ............................................................................................................................ ii

DEDICATION ........................................................................................................................... iii

ACKNOWLEDGEMENT .......................................................................................................... iv

TABLE OF CONTENTS ............................................................................................................ v

LIST OF TABLES .................................................................................................................... vii

LIST OF FIGURES ................................................................................................................. viii

ABSTRACT ............................................................................................................................... ix

CHAPTER ONE ........................................................................................................................ 1

INTRODUCTION ..................................................................................................................... 1

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

1.1 Background of study .............................................................................................................. 1

1.2 Statement of the problem ....................................................................................................... 2

1.3 The purpose of the study ....................................................................................................... 3

1.4 Objectives of the study .......................... , ............................................................................... 3

1.5 Research questions ................................................................................................................ 3

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

1.6. I Geographical scope ............................................................................................................ .4

1 .6.2 Content scope ..................................................................................................................... 4

1.6.3 Time scope .......................................................................................................................... 4

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

V

CHAPTER TWO ....................................................................................................................... 6

REVIEW OF RELATED LITERATURE .............................................................................. 6

2.0 Introduction ........................................................................................................................... 6

2.1 Defining the concepts of debt, debt management and organizational performance .............. 6

2.1.1 Debt .................................................................................................................................... 6

2.1.2 Debt management ............................................................................................................... 7

2.1.3 Organizational performance ............................................................................................... 7

2.2 Techniques of Debt management .......................................................................................... 8

2.3 Challenges of debt management.. ........................................................................................ I 0

CHAPTER THREE ................................................................................................................. 12

METHODOLOGY .................................................................................................................. 12

3.0 Introduction ......................................................................................................................... 12

3.1 Research Design .................................................................................................................. 12

3.2 Area of study ....................................................................................................................... 12

3.3 Population of the study ........................................................................................................ 13

3.4 Sample size .......................................................................................................................... 13

3.4.1 Sample technique .............................................................................................................. 13

3.4.2 Sample procedure ............................................................................................................. 14

3.5 Data collection instruments ................................................................................................. 14

3.6 Source of data collection ..................................................................................................... 15

3.7 Data analysis ........................................................................................................................ 16

3.8 Ethical procedure ................................................................................................................. 16

3.9 Limitations of the Study ...................................................................................................... 16

vi

CHAPTER FOUR.......................................... . ..................................................................... 18

PRESENTATION, ANALYSIS AND DISCUSSION OF THE FINDINGS ...................... 18

4.0 Introduction ......................................................................................................................... 18

4.1 Socio-demographic Characteristics ..................................................................................... 18

4.1.1 Age of the respondents ..................................................................................................... 18

4.1.2 Marital Status of the respondents ..................................................................................... 20

4.1.3 Genre of the respondents .................................................................................................. 22

4.1.4 Educational status of the respondents ............................................................................... 24

4.2 The techniques of debt management employed by Pride Micr'.lfinance bank ..................... 26

4.3 The impact of debt management on bank performance ...................................................... 28

4.4 The challenges of debt management in Pride Microfinance bank ....................................... 31

CHAPTER FIVE ..................................................................................................................... 33

SUMMARY, CONCLUSION AND RECOMMENDATIONS ........................................... 33

5.0 Introduction ......................................................................................................................... 33

5.1 Summary of the study ........................................................................................................ 33

5.2 Conclusions ......................................................................................................................... 34

5.3 Recommendations ............................................................................................................... 35

5.4 Areas for further research .................................................................................................... 36

REFERENCES ........................................................................................................................ 38

APPENDICES .......................................................................................................................... 43

APPENDJX I: QUESTIONNAIRE .......................................................................................... 43

APPENDIX II: RESEARCH BUDGET .................................................................................... 47

APPENDIX III: TIME FRAME ............................................................................................... .48

ABSTRACT The research was conducted in Pride Microfinance, Kampala on "debt management and performance of organizations in Uganda. The rec~qrch was guided by research objectives which included; examining the techniques of debt management employed by Pride Microfinance bank; finding out the impact on debt management of bank performance, _,1d finding out the challenges debt of management in Pride Microfinance bank. On examining the techniques of debt management employed by Pride Microfinance bank, the findings revealed that; determination of payment period, determination of payment period, assessment of credit worthiness, contacting credit reference bureau were the responses given by the respondents. On the impact on debt management of bank perf,··mance, the findings revealed that; clea'.· cash flows, increase in revenue, reduction in losses, and achievement of organizational goal were the answers given by the respondents. On the challenges of debt management in Pride Microfinance bank, the findings revealed that; fraud, lack of debt management software, poor record keeping, and poor coordination with other banks were the answers given by the respondents. The research concluded there is a strong positive relationship between credit policy and debt collection performance in Pride Microfinance. The existence of an effective credit policy, the higher the debt collection performance levels. The researcher however recommended that the bank acquires latest debt management c!ata software, engage the stakeholders in identifying problems in debt collection among others.
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APA

BURNETT, M (2022). The Impact of Debt Management On Performance of Organizations in Uganda: A Case of Pride Microfinance Bank. Afribary. Retrieved from https://afribary.com/works/the-impact-of-debt-management-on-performance-of-organizations-in-uganda-a-case-of-pride-microfinance-bank

MLA 8th

BURNETT, MUGISHA "The Impact of Debt Management On Performance of Organizations in Uganda: A Case of Pride Microfinance Bank" Afribary. Afribary, 01 Aug. 2022, https://afribary.com/works/the-impact-of-debt-management-on-performance-of-organizations-in-uganda-a-case-of-pride-microfinance-bank. Accessed 09 Aug. 2022.

MLA7

BURNETT, MUGISHA . "The Impact of Debt Management On Performance of Organizations in Uganda: A Case of Pride Microfinance Bank". Afribary, Afribary, 01 Aug. 2022. Web. 09 Aug. 2022. < https://afribary.com/works/the-impact-of-debt-management-on-performance-of-organizations-in-uganda-a-case-of-pride-microfinance-bank >.

Chicago

BURNETT, MUGISHA . "The Impact of Debt Management On Performance of Organizations in Uganda: A Case of Pride Microfinance Bank" Afribary (2022). Accessed August 09, 2022. https://afribary.com/works/the-impact-of-debt-management-on-performance-of-organizations-in-uganda-a-case-of-pride-microfinance-bank