THE ROLE OF MICROFINANCE INSTITUTIONS IN SUSTAINABLE GROWTH OF SMALL AND MEDIUM SCALE ENTERPRISES IN UGANDA. A CASE STUDY OF PRIDE MICRO-FINANCE KABALAGALA BRANCH

TABLE OF CONTENTS

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

APPROVAL ....................................................................................................................................... ii

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

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

ACRONOMS ...................................................................................................................................... V

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

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

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

I . I Background of the study ............................................................................................................ 1

1.2 Statement of the Problem ........................................................................................................... 3

1.3 General objective ....................................................................................................................... 3

1.4 Specific Objectives of the study ................................................................................................. 3

1.5 Research Question ..................................................................................................................... 4

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

1.6.1 Subject scope .......................................................................................................................... 4

1.6.2 Geographical scope ................................................................................................................. 4

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

1.7 Significance of the Study ........................................................................................................... 4

1.8 Conceptual framework ............................................................................................................... 5

CHAPTER TWO ................................................................................................................................. 7

LITERATURE REVIEW .................................................................................................................... 7

2.0 Overview ................................................................................................................................... 7

2. I Significance of MF! contribution to sustainable growth ofSME's ............................................. 8

2.2 Problems hindering MFI's from effective contribution to growth of SME's ................................ 9

2.3 The socio- economic challenges that limit the operation ofSME's .......................................... 12

2.4 Empirical Review .................................................................................................................... 12

CHAPTER THREE ........................................................................................................................... 14

METHODOLOGY ............................................................................................................................ 14

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

3.1 Data Types and Sources: .......................................................................................................... 14

3.2 Population. Sampling Frame and Sample Size .......................................................................... 14

3.2.1 Population ............................................................................................................................. 14

3.3.2. Sampling Frame ................................................................................................................... 14

3.2.3 Sample Size .......................................................................................................................... 15

3.3 Study Area. Sample Type and Sampling Procedure .................................................................. 16

3.3.1 Study area ............................................................................................................................. 16

3.3.2 Sample Type ......................................................................................................................... 16

3.3.3 Sampling Procedure .............................................................................................................. 17

3.4 Data Collection tools/Techniques ............................................................................................. 17

3.5 Research quality issues or measurement of variable .................................................................. 18

3.6 Validity .................................................................................................................................... 18

3.6.1 Reliability ............................................................................................................................. 18

3. 7 Data Analysis ........................................................................................................................... 18

3.8 Limitations and problem of the study ....................................................................................... 19

3. 9 Ethical considerations .............................................................................................................. 19

CHAPTER FOUR ............................................................................................................................. 21

PRESENTATION. INTERPRETATION AND ANALYSIS OF FINDINGS ..................................... 21

4.0 Introduction .............................................................................................................................. 21

4.1 Demographic Characteristics .................................................................................................... 21

4.1 Gender of respondents .............................................................................................................. 21

4. 1.2 Age of respondents ................................................................................................................ 22

4.1.4 Academic qualification of respondents .................................................................................. 24

4.1.2 The Contributions MF\'s make to sustainable growth ofSME's ............................................... 25

4.2.1 The contributions of MFl"s to the sustainable growth of SM Es .............................................. 26

4.3 Problems hindering MFrs from effective contribution to the growth ofSME's ........................ 28

4.3.2 Problems that have hindered fi·om effective contribution to SME's ........................................ 28

4.4 The socio - economic challenges that limit the growth of SMEs ............................................... 30

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

SUMMARY. CONCLUSIONS AND RECOMMENDATIONS: ....................................................... 33

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

5.1. I Summary·····················;········································································································ 33

5.2 Conclusion ............................................................................................................................... 34

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

5.4 Areas of further study .............................................................................................................. 36

REFERENCES .............................................................................................................................. 37

APPENDIX l ................................................................................................................................. 39

The Questionnaire ......................................................................................................................... 39

APPENDIX II: .............................................................................................................................. 28

QUESTIONNAIRE GUIDE .......................................................................................................... 28

APPENDIX: 111 ............................................................................................................................. 29

TIME FRAME .............................................................................................................................. 29

APPENDIX IV .............................................................................................................................. 30

ITEM: BUDGET FOR THE STUDY ............................................................................................ 30