August 5, 2023 Thesis Open Access

ARARE FEREDE

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  <identifier identifierType="DOI">10.20372/nadre:15310</identifier>
  <creators>
    <creator>
      <creatorName>ARARE FEREDE</creatorName>
    </creator>
  </creators>
  <titles>
    <title>The effect of Credit Management Practices on Loan  Repayments Performance: - The Case of Wasasa Micro Finance  Institution in Nekemte Town</title>
  </titles>
  <publisher>Zenodo</publisher>
  <publicationYear>2023</publicationYear>
  <dates>
    <date dateType="Issued">2023-08-05</date>
  </dates>
  <resourceType resourceTypeGeneral="Text">Thesis</resourceType>
  <alternateIdentifiers>
    <alternateIdentifier alternateIdentifierType="url">https://nadre.ethernet.edu.et/record/15310</alternateIdentifier>
  </alternateIdentifiers>
  <relatedIdentifiers>
    <relatedIdentifier relatedIdentifierType="DOI" relationType="IsVersionOf">10.20372/nadre:15309</relatedIdentifier>
    <relatedIdentifier relatedIdentifierType="URL" relationType="IsPartOf">https://nadre.ethernet.edu.et/communities/20-25</relatedIdentifier>
  </relatedIdentifiers>
  <rightsList>
    <rights rightsURI="http://www.opendefinition.org/licenses/odc-by">Open Data Commons Attribution License</rights>
    <rights rightsURI="info:eu-repo/semantics/openAccess">Open Access</rights>
  </rightsList>
  <descriptions>
    <description descriptionType="Abstract">&lt;p&gt;ADVISOR: LEMESSA DIRIBA (ASSIST. PROF.)&lt;/p&gt;

&lt;p&gt;Microfinance (MF) is seen as one of the most efficient institutions that promote economic development and fight poverty in poorer countries by collecting deposits and extend credit to rural and urban farmers. The biggest risk in microfinance institution is lending money and not getting it back, which leads to credit risk while it&amp;rsquo;s management in micro finance institution expected to significantly influence its loan performance.By taking deposits from and providing credit to farmers in rural and urban areas, microfinance (MF) was regarded as one of the most effective organizations for fostering economic growth and combating poverty in underdeveloped nations. The objective of the study was to investigate Effect of Credit Management Practices on Loan Repayments Performance the case of wasasa micro finance institution in Nekemte town. The study employed a descriptive and Explanatory research design was used by developing hypothesis and explains that the relationships and the effect of independent on dependent variable. Measures of central tendency and dispersion (means, standard deviation), as well as distributions (percentages, frequencies), were utilized as descriptive statistical tools. Both primary and secondary data sources were employed in the investigation. The study was used primary data through close ended questionnaire likert-scale and established that there was strong relationship between loan performance of Microfinance insttutions and client appraisal, credit term, credit risk control and collection policy. The study revealed that client appraisal, credit terms and collection policy are statistically significant whereas credit risk control is statistically insignificant. The study suggests that Micro finance institution Wasasa, should reinforce their client appraisal credit terms collection policy. The study recommends that MFIs should enhance their collection policy by adapting a more stringent policy to a lenient policy for effective debt recovery. Key words: Credit risk, Credit Management, Loan Performance, Microfinance Institution. Wasasa&lt;/p&gt;</description>
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