The effect of interest rate on loan repayment in micro finance banks in nigeria
Table Of Contents
Chapter ONE
INTRODUCTION
- 1.1Introduction
- 1.2Background of Study
- 1.3Problem Statement
- 1.4Objective of Study
- 1.5Limitation of Study
- 1.6Scope of Study
- 1.7Significance of Study
- 1.8Structure of the Research
- 1.9Definition of Terms
Chapter TWO
LITERATURE REVIEW
- 2.1Overview of Microfinance Banks
- 2.2Concept of Interest Rate
- 2.3Loan Repayment in Microfinance Banks
- 2.4Factors Affecting Loan Repayment
- 2.5Importance of Interest Rates in Banking
- 2.6Theoretical Frameworks on Loan Repayment
- 2.7Empirical Studies on Interest Rate and Loan Repayment
- 2.8Government Policies on Microfinance Banks
- 2.9Role of Technology in Loan Repayment
- 2.10Challenges Faced by Microfinance Banks
Chapter THREE
RESEARCH METHODOLOGY
- 3.1Research Design
- 3.2Sampling Techniques
- 3.3Data Collection Methods
- 3.4Data Analysis Procedures
- 3.5Research Instrumentation
- 3.6Research Ethics
- 3.7Validity and Reliability
- 3.8Limitations of the Research
Chapter FOUR
DATA PRESENTATION AND ANALYSIS
- 4.1Overview of Data Findings
- 4.2Analysis of Interest Rate Impact on Loan Repayment
- 4.3Comparison of Loan Repayment Rates
- 4.4Factors Influencing Loan Repayment
- 4.5Relationship Between Interest Rate and Default Rates
- 4.6Case Studies on Loan Repayment
- 4.7Recommendations for Microfinance Banks
- 4.8Implications for Future Research
Chapter FIVE
SUMMARY, CONCLUSION AND RECOMMENDATIONS
- 5.1Summary of Findings
- 5.2Conclusion
- 5.3Recommendations
- 5.4Contributions to Knowledge
- 5.5Implications for Microfinance Sector
Thesis Abstract
The study sought to appraise the effect of interest rate on loan repayment in microfinance institutions. Lapo Micro Finance Bank, a microfinance institution in Ikot Abasi was used as a case study for the study. The research was conducted using questionnaires and interviews. In all 100 customers and 20 employees were sampled for the research. A systematic random sampling was used for the data collection. The findings of the research revealed that though interest rate plays a major role in loan repayment, other factors such as loan term and the repayment frequency also influence to a large extent the loan repayment. Customers indicated that though lower interest rate would enhance loan repayment, the issue of accessibility and availability of funds was paramount. To enhance loan repayment, the researcher recommends lower interest rate to ease loan repayment burden and loans granted should be amounts that customers can service. Again, micro-insurance could be established to protect the Institution and customers against any default.
Thesis Overview
Blazingprojects Mobile App
📚 Over 50,000 Research Thesis
📱 100% Offline: No internet needed
📝 Over 98 Departments
🔍 Thesis-to-Journal Publication
🎓 Undergraduate/Postgraduate Thesis
📥 Instant Whatsapp/Email Delivery
Related Research
A Pragmatic-Narrative Alignment Model for Multilingual Interaction...
The research investigates how speakers manage meaning across languages in multilingual settings by proposing a Pragmatic-Narrative Alignment Model. It aims to e...
A Framework for Cross-Sensory Narrative in Contemporary Art Design...
A Framework for Cross-Sensory Narrative in Contemporary Art Design is about how artists combine multiple senses—such as sight, sound, touch, and even smell or...
A Multi-Modal Sensor Fusion Framework for Real-Time Hazard Prediction...
This research explores designing and validating a framework that combines data from multiple sensing modalities to predict hazards in real time. The central ide...
A Resilience-Based Framework for Agroforestry Crop Yield Optimization...
This research explores a resilience-based framework to optimize crop yields in agroforestry systems, integrating trees with crops to enhance productivity, stabi...
A Competency-Based Framework for Agricultural Science Education Reform...
The research focuses on designing and validating a competency-based framework to guide agricultural science education reform. It asks how education for future a...
A-Learning Ecosystem for Transformative Adult Education: A Holistic Model...
This research explores how an interconnected digital and human-centered learning environment can promote transformative outcomes in adult education. It asks whe...
A Unified Framework for Animal Behavioral Ecology Networking Theory...
This research explores how animal behavior in natural systems can be understood through a unified networking-based framework that links individual actions, soci...
Development of a Framework for Veterinary Antimicrobial Stewardship in Small Animal ...
This research explores how to develop a practical framework for antimicrobial stewardship (AMS) in small animal veterinary practice. In human and animal health,...
A Resilience-Driven Urban Growth Boundary Framework for Smart Cities...
This research investigates how cities can manage growth and development in a way that is resilient to shocks (like floods, heatwaves, or economic downturns) by ...
