Please use this identifier to cite or link to this item: http://hdl.handle.net/20.500.12306/6006
Title: Credit management and loan performance of SACCOS in Kampala, Uganda: a case study of Uganda Cooperatives Savings and Credit Union (UCSCU).
Authors: Makoha, Paul
Keywords: Credit management
Loan Performance of SACCOS
Issue Date: Jul-2019
Publisher: Kampala International University, College of Economics & management.
Abstract: The purpose of this’ study was to investigate the effect of credit management on loan performance of Uganda Cooperatives Savings and Credit Union (UCSCU). The study was based on the following 4 objectives; (I) To assess the effect of credit terms on loan performance of Tropical Bank in Uganda; (II) To determine the effect of credit standards on loan performance of Tropical Bank in Uganda; (III) To determine the relationship, of between credit policy and loan performance of Tropical Bank in Uganda (IV) To establish the effect of collection policy on loan performance of Tropical Bank in Uganda. The study employed a cross-sectional research design and a sample size of 67 respondents were used for this study. The findings revealed that; credit terms are positively (/3=0.819) and statistically and significantly (p- value=0. 000) affect loan performance of UCSCI4’ credit standards are positively (/3=0.650) and statistically and significantly (p- value=0. 001) affect loan performance of UCSCU; credit policy is positively (/3=0.988) and statistically and significantly (p-value=0. 000) affect loan performance of UCSCL~ and credit collection policy is positively (/3=0.892) and statistically and sIqnit7cantly (p-value=0. 000) affect loan performance of UCSCU The study concluded that; credit terms have a positive significant effect on loan performance of UCSCU credit standards statistically and significantly affects loan performance of UCSCI4’ credit policy have a positive significant effect on loan performance of UCSCI4 and credit collection policy have a positive significant effect on loan performance of UCSCU The study recommended tha4~ UCSCU should effectively manage its interest rate for loan repayment and credit worthiness; have effective penalties put on default and late repayment; use auctioneers to recover loans and should normally sale of the property to recover loans. The study contributed to existing knowledge in the following ways~ the study developed great ideas for credit terms, credit standards, credit policy and credit collection policy; the study findings helped UCSCU for comprehensively receive customers’ complaints to the management to provide possible and appropriate solutions; and the study clearly discussed constructs of independent and dependent variables and dearly indicated the gaps that existed from previous studies as explained from the discussion of the findings section.
Description: A research report submitted to the College of Economics and Management in partial fulfilment of the requirement for the Award of Bachelor’s Degree in Business Administration Finance and accounting of Kampala International University Kampala, Uganda
URI: http://hdl.handle.net/20.500.12306/6006
Appears in Collections:Bachelor of Business Administration (BBA)

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