Credit management and sustainability of selected saccos in Nyamasheke District, western Province of Rwanda.

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Kampala International University, school of Economics and Management
This thesis is entitled ~‘credit management and sustainability”. It was presented as result of research carried out within five selected SACCOs in Nyamasheke district, western province of Rwanda. It was carried out based on four specific objectives like determining the demographic profiles of respondents; to determine the degree of credit management; to determine the level of sustainability, and to find out if there is any significant relationship between the degree of credit management and the level of sustainability in the selected SACCO5. It was a descriptive correlation design, and then census was used as the entire population of 102 respondents equal to the sample, because it was considered in its entirety. Questionnaires were used in collecting primary data then financial reports were used in collecting secondary data. The collected data was analyzed using both qualitative and quantitative methods through statistical techniques such as mean, standard deviations and correlation by the use of SPSS software. The findings revealed that credit management is at satisfactory degree with the overall mean of 2.67 as it was ensuring the better process of loan application, disbursement, recovery even if some item under loan repayment process were still low; then sustainability were still low with the overall mean of 2.40, even if some item under HR was ensuring sustainability but market and legal sustainability were still low; Findings revealed also that there was a positive significant relationship between the study variables at (r=0.980, R-Squared value 961; Mean Squares 160.066 and F value of 316.884L3 and p<.0.01). Finally sustainability theory was affirmed but the null research hypothesis was rejected, then the researcher concluded that the rigidity of credit management is highly likely to compromise sustainability. The researcher recommends improving credit management so as to enhance sustainability of selected SACCOs.
A Thesis Presented to the College of Higher Degrees and Research Kampala International University Kampala, Uganda In Partial Fulfillment of the Requirements for the Degree Master of Business Administration: Banking and Finance
Credit management, SACCOS