TABLE OF CONTENT
DECLARATION ............................................................................................................................. i
APPROVAI .................................................................................................................................... ii
AKNOWLEDUEMEN·r ............................................................................................................. iii
DEDICATION ............................................................................................................................... i,
LIST OF ACRONYMS ................................................................................................................... ,
TABLE OF CONTENT ................................................................................................................. ,i
LIST OF TABLES ......................................................................................................................... ix
LIST OF FIGURES ......................................................................................................................... x
CHAPTER ONE .............................................................................................................................. 1
INTRODUCTION ........................................................................................................................... 1
0 Introduction ................................................................................................................................ I
Background of the Study ...................................................................................................... 1
7 Prtlblen1 Staten1ent ................................................................................................................ 4
3 Purpose of the study ............................................................................................................. ...!
4 Objectives of the study ......................................................................................................... 4
5 Research Questions ............................................................................................................... 5
6 Scope of the study ................................................................................................................. 5
6.1 Geographical Scope .......................................................................................................... 5
6.2 Content scope .................................................................................................................... 5
7 Significance of the study ...................................................................................................... :i
8 Limitations of study .............................................................................................................. 5
111l'IER TW
:11-:IZA Ill RE REVIFW ................................................................................................................ 7
0 Introduction ................................................................................................................................ 7
Theoretical review ................................................................................................................ 7
vi
' ~ Conceptual frame work ......................................................................................................... 8
.3 Review of Related literature ................................................................................................. 9
.3.1 Prime interest and commercial or institutional loans ........................................................ 9
.3 .2 Interest rate and consun1er loans ..................................................................................... 10
.3.3 Interest rates and interbank loans (foreign demand for loanable funds) ......................... I I
'HAPTER TH REF ..................................................................................................................... 1.1
/JETHODOLOGY ........................................................................................................................ 13
.0 lntroduction ......................................................................................................................... 13
. I Research Design ................................................................................................................. 13
1 ·rhe population .................................................................................................................... 13
.3 Sample Size ........................................................................................................................ 14
.4 sampling techniques or methods ......................................................................................... 14
.5 Sources ofData ........................................................................................................... , ....... 15
.5.1 Primary source ................................................................................................................ 15
.5.2 Secondary data ................................................................................................................ 15
.6 The Instruments of Data collection ..................................................................................... 15
.6.1 Questionnaire .................................................................................................................. 15
.6.2 lntcn·ie11 guide ............................................................................................................... 15
.7 rnlidity and reliability of the instrument ............................................................................ 16
.8 Data gathering (collection) proceclures ............................................................................... 16
.9 Data Analysis ...................................................................................................................... 16
HAPTER FOUR ......................................................................................................................... 17
RESENTATION. ANALYSIS AND INTERPRETATION OF DATA ..................................... 17
.0 lntrocluction ......................................................................................................................... 17
. I establishing the relationship between interest rates and borrowing ................................... 17
:>. Types of interest rates charged by the bank ............................................................................ .30
HAPTER FIVE ........................................................................................................................... 32
ISCUSSIONS. SUMMARY. CONCLUSIONS. AND RECOMMENDATIONS ..................... 32
0 lniroduction .............................................................................................................................. :12
I objccti'e one: the relationship bct\ccn interest rates and borrowing ..................................... 32
2 objccti'C 2: types or interest rates charged by the bank ......................................................... .34
vii
;.J sumn1ar) and conclusion ......................................................................................................... 34
,.-t Recommendations .................................................................................................................... 35
lEFERENCES .............................................................................................................................. 36
,PPENDIX I ................................................................................................................................. 37
U'PENDIX 2 PROPOSED BUDGET ......................................................................................... .41