GOD'S LOVE - DETERMINANTS OF LOAN DEFAULT RATE IN SAVINGS...

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DETERMINANTS OF LOAN DEFAULT RATE IN SAVINGS IN SACCO’S: A CASE STUDY OF IMARISHA SACCO CHEPKIRUI MONICA A RESEARCH PROJECT SUBMITTED TO THE FACULTY OF COOPERATIVES AND COMMUNITY DEVELOPMENT IN PARTIAL FULFILMENT FOR THE AWARD OF THE DEGREE OF BACHELOR OF COOPERATIVE BUSINESS, COOPERATIVE UNIVERSITY COLLEGE OF KENYA. MARCH, 2016
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DECLARATION STUDENT This project is my original work and has not been presented for award of degree in any other university or for any other award. Signature………………………………… Date……/……/…………… Name……………………………………… ADM NO; BCOB 20/117/2012 SUPERVISOR I confirm that the work reported in this project was carried out by the candidate under my supervision and has been submitted with my approval Signature ……………………………………..Date……/……/……………… Name ……………………………………………… 1
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DEDICATION I dedicate this research project to my beloved parents Mr. & Mrs. Cheruiyot and my siblings for their support, patience, encouragement and understanding. They gave me the will and determination to complete this project. 2
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ACKNOWLEDGEMENT First and foremost, I am grateful to almighty God who has enabled me to this extent and his endless grace for all his guidance towards my completion of this project. This project could not have been completed without the help and support of several people. Special gratitude goes to my supervisor Mr. Charles Muthama for his great assistance, close supervision; commitment and guidance in order to enable me complete this report. I do acknowledge The Cooperative University teaching staff for imparting in me sufficient knowledge to be able to comfortably and confidently undertake my Research Project. My thanks also go to the management and the staff members of Imarisha Sacco Society for their unwavering support for giving me a chance to undertake my research studies in their organization. My sincere gratitude goes to my family, for their continued and tireless support towards my education and this project. Similarly, I appreciate and recognize my friends and fellow colleagues for their positive criticism which greatly contributed to completing my project. God bless you All. 3
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TABLE OF CONTENTS DECLARATION ............................................................................................................................................... i DEDICATION ................................................................................................................................................. ii ACKNOWLEDGEMENT ................................................................................................................................. iii TABLE OF CONTENTS ................................................................................................................................... iv LIST OF TABLES ........................................................................................................................................... vii ABSTRACT ................................................................................................................................................... ix ABBREVIATIONS AND ACRONYMS ............................................................................................................... x CHAPTER ONE .............................................................................................................................................. 1 1.0 Introduction ....................................................................................................................................... 1 1.1 Background of the study .................................................................................................................... 1 1.2 Statement of the Problem ................................................................................................................. 2 1.3 Objectives of the study ...................................................................................................................... 3 1.3 1 General objectives ...................................................................................................................... 3 1.3.2 Specific objectives ....................................................................................................................... 3 1.4 Research Questions ........................................................................................................................... 3 1.5 Significance of the study .................................................................................................................... 4 1.6 Limitations of the study ..................................................................................................................... 5 CHAPTER 2 ................................................................................................................................................... 6 LITERATURE REVIEW .................................................................................................................................... 6 2.0 Introduction ....................................................................................................................................... 6 2.1 Theoretical Framework ...................................................................................................................... 6 2.1.1 The 5 C’s Model of Client Appraisal ............................................................................................ 6 2.1.2 Transaction theory .......................................................................................................................... 7 2.2 Empirical Studies ............................................................................................................................... 7 1.6 Conceptual Framework .................................................................................................................... 10 2.3 Summary of Literature Review ......................................................................................................... 11 3.0 Introduction ..................................................................................................................................... 12 3.1 Research Design ............................................................................................................................... 12 3.2 Study Area ....................................................................................................................................... 12 4
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3.3 Target Population ............................................................................................................................. 13 Table 3.1: Target Population ...................................................................................................................... 13 3.4 Sampling Design .............................................................................................................................. 13 3.5 Data Collection and Instruments
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