Determinants of Loan Recovery from Micro, Small and Medium Enterprise Borrowers at Ilala Municipality, in Dar es Salaam,

Katemana, Irene (2020) Determinants of Loan Recovery from Micro, Small and Medium Enterprise Borrowers at Ilala Municipality, in Dar es Salaam,. Masters thesis, The Open University of Tanzania.

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Abstract

The objective of the study was to assess the determinants of loan recovery at Ilala Municipality in Dar es Salaam. Specifically, the study sought to: examine socioeconomic factors affecting loan recovery from MSME borrowers; examine institutional and business-related factors affecting loan recovery from MSME borrowers and; examine person-related factors affecting loan recovery from MSME borrowers. A cross-sectional survey involving 96 respondents from MSME Borrowers was conducted at Ilala Municipality. Primary data were collected from Mchikichini ward, Buguruni ward and Gongo la Mboto ward using a structured questionnaire. Both descriptive and inferential analysis were performed using STATA 13, whereby multiple linear regression analysis was used to analyze the determinants of loan recovery rate. The study revealed that the determinants of loan recovery at Ilala Municipality in Dar es Salaam are: income status, education level, type of business operated by the borrower and borrower’s attitude on loan repayment (CI 95%, significant at P<0.05). The study recommends strengthening of income capacities for MSMEs using alternative sources and strategies and education provision to the MSME operators and owners repayment.

Item Type: Thesis (Masters)
Subjects: 600 Technology > 658 Gerneral management
Divisions: Faculty of Business Management > Department of Accounting and Finance
Depositing User: Mr. Administrator OUT
Date Deposited: 21 Dec 2020 12:43
Last Modified: 21 Dec 2020 12:43
URI: http://repository.out.ac.tz/id/eprint/2628

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