Masters Degree Dissertations

Permanent URI for this collectionhttps://hdl.handle.net/20.500.12504/136

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Browsing Masters Degree Dissertations by Subject "Banks and banking"

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    Credit management practices and loan performance in commercial banks in Uganda : a case of Post bank Uganda
    (Kyambogo University (Unpublished work), 2024-10) Kayima, Boaz
    This study examined the effect of credit management practices on loan performance of commercial banks a case of Post Bank Uganda. The study was anchored on three objectives which included; examining the effect of loan appraisal process on loan performance, the effect loan collection procedure on loan performance and the effect of credit risk control procedure on loan performance. The study considered a cross-sectional survey research design considering both quantitative and qualitative research approach. The study targeted 140 participants but 134 participants where 130 used questionnaires and 04 used interview managed to respond hence showing the response rate of 95.7%. The study findings revealed that there was a weak but positive and significant relationship between loan appraisal processes and loan performance at (r = .227**, p<.01) and Loan Application Appraisal was a positive significant predictor of loan performance by 4.4% (0.044, p<.05) with B-value (.231**). There was a positive and significant relationship between loan collection procedure and loan performance at (r =.377**, p<0.01) and Loan Collection Procedure positively and significantly predicted the loan performance by 13.5% (0.135, p<.05) with B-value (.282**). There was a positive and significant relationship between credit risk control policy and loan performance at (r = .419**, p<.01) and Credit Risk Control Procedure, it was the highest significant predictor of loan performance of 16.7% (0.167, p<.05) with B-value (.392**). Furthermore, credit management practices with its constructs (loan appraisal process, loan collection procedure and credit risk control procedure) combined influenced the loan performance at Post Bank Uganda by 28.5% (0.285, p<.05) with B-value (.307*). Based on the study’s findings, it is recommended that financial institutions and regulatory bodies consider implementing robust measures that necessitate the submission and evaluation of business plans as a prerequisite for loan approval, it is imperative that the bank institutes more robust and clearly defined repayment conditions for borrowers who default, including stricter penalties and timelines for resolution. Additionally, establishing a regular schedule of loan recovery meetings with clients is essential for fostering effective communication and cooperation and financial institutions implement policies allowing for reasonable extension periods in cases of genuine client hardship, thus providing borrowers with a lifeline to recover from temporary financial setbacks
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    Financial reporting quality and management decision effectiveness at centenary bank, main branch
    (Kyambogo University (Unpublised work), 2025-11) Babirye, Mary Christine
    This study explored the effect of financial reporting quality on the effectiveness of management decisions at Centenary Bank's Main Branch. It was guided by three key objectives: to assess the effect of the reliability of financial reporting, the timeliness of financial reporting, and the understandability of financial reporting on the effectiveness of management decision. A cross-sectional survey design, incorporating both quantitative and qualitative methods, was employed. The study targeted 169 participants, all of whom responded, achieving a 100% response rate. Data was collected from staff and heads of departments at Centenary Bank's Main Branch using questionnaires and interview guides. The study findings revealed that reliability of financial reporting positively predicts management decision effectiveness (B = .224, p = .000 < 0.05) and timeliness positively predicts management decision effectiveness (B = .283, p = .000 < 0.05), then understandability of financial reporting also positively predicts management decision effectiveness (B = .690, p = .000 < 0.05). Then, all constructs of reliability, timeliness, and understandability of financial reporting and demographic factors collectively explained 54.5% of the variance in management decision effectiveness. The study concluded that understandability of financial reporting was the most significant predictor of management decision effectiveness. The study recommended that he bank should implement a robust internal control system to minimize errors in financial reports, enhance transparency by ensuring that all stakeholders have open access to relevant financial information, and implements a structured financial reporting framework that prioritizes timely report publication and stakeholder communication. The bank should establish a comprehensive reporting calendar that clearly outlines all internal and external deadlines, ensure that financial reports include detailed explanations, utilizing charts and figures to enhance the visual representation of financial data and adopt simple and plain language in financial reports to facilitate better understanding among a diverse audience.