MJAMR

Credit Standards And Loan Portfolio Performance In Uganda: A Case Of Butuuro People’s Sacco, Nyakabirizi Main Branch, Bushenyi District

Agaba Evason


Abstract

This study evaluated the influence of credit standards on loan portfolio performance in Uganda, a case of Butuuro people’s Sacco Nyakabirizi Main Branch, Bushenyi district. It used a cross sectional case study design which involved triangulation (use of multiple data collection techniques simultaneously) i.e., utilizing both quantitative and qualitative approaches. A representative sample of 218 respondents was selected from a population of 420 based on the Krejcie and Morgan 1970 table (Amin, 2005) for determining sample size for research activities. The findings indicated a significant positive relationship between credit standards and loan portfolio performance (r = 0.845**, p<.01). This means that the two variables were positively related. The study recommended improvement of staff and customer understanding on recovery of loans and its benefits. That loan scoring process is shortened. That credit department be properly resourced and facilitated to visit the client regularly.

Keywords

Credit Standards Loan Portfolio Performance Customer Small Businesses
Metropolitan Journal of Academic Multidisciplinary Research

Cite This Article

Agaba Evason (2024). Credit Standards And Loan Portfolio Performance In Uganda: A Case Of Butuuro People’s Sacco, Nyakabirizi Main Branch, Bushenyi District. Metropolitan Journal of Academic Multidisciplinary Research, 3(1). https://journals.miu.ac.ug/pages/article.php?article_id=1206

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