The effect of interest rate on loan repayment in microfinance 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 in Nigeria
- 2.2Concept of Interest Rate
- 2.3Importance of Loan Repayment
- 2.4Factors Influencing Loan Repayment
- 2.5Relationship between Interest Rate and Loan Repayment
- 2.6Role of Central Bank in Regulating Interest Rates
- 2.7Impact of Interest Rate on Microfinance Banks
- 2.8Loan Repayment Strategies in Microfinance Banks
- 2.9Comparative Analysis of Interest Rates in Microfinance Banks
- 2.10Case Studies on Loan Repayment in Microfinance Banks
Chapter THREE
RESEARCH METHODOLOGY
- 3.1Research Design
- 3.2Research Methods
- 3.3Data Collection Techniques
- 3.4Sampling Methodology
- 3.5Data Analysis Plan
- 3.6Ethical Considerations
- 3.7Validity and Reliability
- 3.8Limitations of the Research Methodology
Chapter FOUR
DATA PRESENTATION AND ANALYSIS
- 4.1Overview of Data Findings
- 4.2Analysis of Interest Rate Trends in Microfinance Banks
- 4.3Loan Repayment Patterns in Microfinance Banks
- 4.4Factors Influencing Loan Repayment Behavior
- 4.5Comparison of Loan Repayment Rates
- 4.6Impact of Interest Rate Changes on Loan Repayment
- 4.7Strategies for Improving Loan Repayment Rates
- 4.8Recommendations for Microfinance Banks
Chapter FIVE
SUMMARY, CONCLUSION AND RECOMMENDATIONS
- 5.1Summary of Findings
- 5.2Conclusion
- 5.3Implications for Microfinance Banks
- 5.4Recommendations for Future Research
- 5.5Contribution to Knowledge
Thesis Abstract
The study sought to appraise the effect of interest rate on loan repayment in micro-finance institutions. Lapo Microfinance 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
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