Factors leading to loan repayment problems within the banking industry; a case study of TPB bank plc (Mwanza).
A dissertation submitted to Mzumbe University as a partial fulfillment of the requirements for award of Master Degree of Business Administration in Corporate Management (MBA-CM) of Mzumbe University.
محفوظ في:
| المؤلف الرئيسي: | |
|---|---|
| التنسيق: | أطروحة |
| اللغة: | الإنجليزية |
| منشور في: |
Mzumbe university
2024
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| الموضوعات: | |
| الوصول للمادة أونلاين: | https://scholar.mzumbe.ac.tz/handle/123456789/1682 |
| الوسوم: |
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| _version_ | 1820347768212815872 |
|---|---|
| author | Halelwa,Miriam |
| author_facet | Halelwa,Miriam |
| author_sort | Halelwa,Miriam |
| collection | DSpace |
| description | A dissertation submitted to Mzumbe University as a partial fulfillment of the requirements for award of Master Degree of Business Administration in Corporate Management (MBA-CM) of Mzumbe University. |
| format | Thesis |
| id | oai:41.59.85.69:123456789-1682 |
| institution | Mzumbe University |
| language | English |
| publishDate | 2024 |
| publisher | Mzumbe university |
| record_format | dspace |
| spelling | oai:41.59.85.69:123456789-16822024-11-08T11:01:27Z Factors leading to loan repayment problems within the banking industry; a case study of TPB bank plc (Mwanza). Halelwa,Miriam Banking industry Technology in loan repayment Loan appraisals A dissertation submitted to Mzumbe University as a partial fulfillment of the requirements for award of Master Degree of Business Administration in Corporate Management (MBA-CM) of Mzumbe University. The study investigated the factors leading to loan repayment problems within the banking industry. The specific objectives were examine how borrowers characteristics, project characteristics and loan characteristics leads to unsuccessful loan repayment, evaluate the role of technology in enhancing loan repayment and assess the credibility of loan appraisal procedures in the bank. The targeted population was 350 business operators who are taking loan from Tanzania Postal Bank. The study employed simple random sampling technique to select 100 businessmen who were taking loan at TPB. Data was collected using questionnaire and interview. The study employed descriptive statistics and hypothesis testing design in investigated the factors leading to loan repayment problems within the banking industry. The study discovered that borrower characteristics (in this case gender, level of education, size of household and experience in business), project characteristics (business activity, size of Laboure and ownership of the business) and loan characteristics (size of the loan, loan processing time and loan diversion) have effect on late repayment of loan to the bank. Furthermore, the technological used in payment of loan to the bank had impact on the clients’ ability to make on time payments. Finally the study found that credible loan appraisal procedures have significantly effect to timely repayment of loan to the bank. The study recommends that the bank management should make efforts on allowing borrowers characteristics, loan characteristics, and project characteristics capitalized in credit policy so that provision of loan base on critical analysis of them in order to reduce late repayment of loan to the bank Private 2024-11-08T11:01:23Z 2024-11-08T11:01:23Z 2018 Thesis APA https://scholar.mzumbe.ac.tz/handle/123456789/1682 en application/pdf Mzumbe university |
| spellingShingle | Banking industry Technology in loan repayment Loan appraisals Halelwa,Miriam Factors leading to loan repayment problems within the banking industry; a case study of TPB bank plc (Mwanza). |
| title | Factors leading to loan repayment problems within the banking industry; a case study of TPB bank plc (Mwanza). |
| title_full | Factors leading to loan repayment problems within the banking industry; a case study of TPB bank plc (Mwanza). |
| title_fullStr | Factors leading to loan repayment problems within the banking industry; a case study of TPB bank plc (Mwanza). |
| title_full_unstemmed | Factors leading to loan repayment problems within the banking industry; a case study of TPB bank plc (Mwanza). |
| title_short | Factors leading to loan repayment problems within the banking industry; a case study of TPB bank plc (Mwanza). |
| title_sort | factors leading to loan repayment problems within the banking industry a case study of tpb bank plc mwanza |
| topic | Banking industry Technology in loan repayment Loan appraisals |
| url | https://scholar.mzumbe.ac.tz/handle/123456789/1682 |
| work_keys_str_mv | AT halelwamiriam factorsleadingtoloanrepaymentproblemswithinthebankingindustryacasestudyoftpbbankplcmwanza |