Banking systems and credit control in selected commercial banks in Kampala District Uganda
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Date
2012-09
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Publisher
Kampala International University, College of Economics & Management.
Abstract
The study on Banking systems and Credit control in selected
Commercial Banks in Kampala District, Uganda was guided by five research objectives that were set to: (i) identify the social demographic characteristics of the respondents in terms of gender, age, marital status and level of education; (ii) identify the levels of banking system; (iii) the level of credit control; (iv) establish if there is a significant difference between the level of banking systems and level of credit control and (v) establish if there is a significant relationship between the level of banking system and the level of credit control in selected Commercial Banks in
Kampala, Uganda. The study findings revealed that majority of the respondents fell in the following categories, in gender majority were female, in age brackets of 24 30 years, married dominated, degree holders dominated in education category
banking officers and operations dominated position and department respectively
Results also indicate that the level of both banking systems and credit control were high with means of 3~40 and 3.27 respectively. The study went ahead to reveal that banking systems and credit controls differed significantly; and lastly that banking systems are positively correlated with credit control (r=686, sig=000). These findings led to the rejection of the null hypothesis which said that there was no significant relationship between banking systems and credit control in the selected commercial banks in Uganda. The researcher therefore recommends that Banks
train in banking systems’ use to improve efficiency of services offered to their customers. It is also recommended therefore that access to banking systems be restricted with frequent change of passwords in order to improve credit controls in the banking industry; schedule periodic refresher courses for all staff and come up with standardized procedures for handling credit and banking in order to improve the quality of services in the Banking Industry
Description
A Thesis Presented to the College of Higher Degrees and Research of Kampala International University Kampala, Uganda In partial fulfillment of the requirements for the award of The Degree of Master of Business Administration
Keywords
Banking systems, Credit control, Commercial banks, Kampala District, Uganda