TABLE OF CONTENTS
DECLARATION .......................................................................................................................... i
APPROVAL .. : ............................................................................................................................ ii
DEDICATION ........................................................................................................................... iii
ACKNOWLEDGEMENT .......................................................................................................... iv
TABLE OF CONTENTS ............................................................................................................ v
LIST OF TABLES .................................................................................................................... vii
LIST OF FIGURES ................................................................................................................. viii
ABSTRACT ............................................................................................................................... ix
CHAPTER ONE ........................................................................................................................ 1
INTRODUCTION ..................................................................................................................... 1
1.0 Introduction ........................................................................................................................... I
1.1 Background of study .............................................................................................................. 1
1.2 Statement of the problem ....................................................................................................... 2
1.3 The purpose of the study ....................................................................................................... 3
1.4 Objectives of the study .......................... , ............................................................................... 3
1.5 Research questions ................................................................................................................ 3
1.6 Scope of the study .................................................................................................................. 4
1.6. I Geographical scope ............................................................................................................ .4
1 .6.2 Content scope ..................................................................................................................... 4
1.6.3 Time scope .......................................................................................................................... 4
1.7 Significance of the study ..................................................................................................... 5
V
CHAPTER TWO ....................................................................................................................... 6
REVIEW OF RELATED LITERATURE .............................................................................. 6
2.0 Introduction ........................................................................................................................... 6
2.1 Defining the concepts of debt, debt management and organizational performance .............. 6
2.1.1 Debt .................................................................................................................................... 6
2.1.2 Debt management ............................................................................................................... 7
2.1.3 Organizational performance ............................................................................................... 7
2.2 Techniques of Debt management .......................................................................................... 8
2.3 Challenges of debt management.. ........................................................................................ I 0
CHAPTER THREE ................................................................................................................. 12
METHODOLOGY .................................................................................................................. 12
3.0 Introduction ......................................................................................................................... 12
3.1 Research Design .................................................................................................................. 12
3.2 Area of study ....................................................................................................................... 12
3.3 Population of the study ........................................................................................................ 13
3.4 Sample size .......................................................................................................................... 13
3.4.1 Sample technique .............................................................................................................. 13
3.4.2 Sample procedure ............................................................................................................. 14
3.5 Data collection instruments ................................................................................................. 14
3.6 Source of data collection ..................................................................................................... 15
3.7 Data analysis ........................................................................................................................ 16
3.8 Ethical procedure ................................................................................................................. 16
3.9 Limitations of the Study ...................................................................................................... 16
vi
CHAPTER FOUR.......................................... . ..................................................................... 18
PRESENTATION, ANALYSIS AND DISCUSSION OF THE FINDINGS ...................... 18
4.0 Introduction ......................................................................................................................... 18
4.1 Socio-demographic Characteristics ..................................................................................... 18
4.1.1 Age of the respondents ..................................................................................................... 18
4.1.2 Marital Status of the respondents ..................................................................................... 20
4.1.3 Genre of the respondents .................................................................................................. 22
4.1.4 Educational status of the respondents ............................................................................... 24
4.2 The techniques of debt management employed by Pride Micr'.lfinance bank ..................... 26
4.3 The impact of debt management on bank performance ...................................................... 28
4.4 The challenges of debt management in Pride Microfinance bank ....................................... 31
CHAPTER FIVE ..................................................................................................................... 33
SUMMARY, CONCLUSION AND RECOMMENDATIONS ........................................... 33
5.0 Introduction ......................................................................................................................... 33
5.1 Summary of the study ........................................................................................................ 33
5.2 Conclusions ......................................................................................................................... 34
5.3 Recommendations ............................................................................................................... 35
5.4 Areas for further research .................................................................................................... 36
REFERENCES ........................................................................................................................ 38
APPENDICES .......................................................................................................................... 43
APPENDJX I: QUESTIONNAIRE .......................................................................................... 43
APPENDIX II: RESEARCH BUDGET .................................................................................... 47
APPENDIX III: TIME FRAME ............................................................................................... .48