Accessing micro credit, borrowers’ characteristic and household income in rural areas: A case of Kasese District

dc.contributor.author Businge, Polic Fred
dc.date.accessioned 2014-03-15T09:55:36Z
dc.date.available 2014-03-15T09:55:36Z
dc.date.issued 2009-11
dc.description A Dissertation submitted to School of Graduate Studies in partial fulfillment of the requirement for the award of the Degree of Master of Science in Accounting and Finance of Makerere University en_US
dc.description.abstract Improving household income is one of the major challenges faced by developing countries. Different plans focusing on increasing household income through the use of credit institutions have been developed for example PEAP, 1997, entandikwa scheme and the prosperity for all plan (2006). While doing this they have largely ignored borrowers’ characteristics and business type the borrowers’ engage in. This study therefore examined the role micro credit access, borrowers’ characteristics, business type have towards improving household income for the poor. A sample of three institutions which included Ikongo micro finance scheme, Bukonzo joint credit institution, centenary bank and 131 beneficiaries was chosen out of a total of 32 institutions and 1004 beneficiaries. The study presents empirical findings basing on 82 beneficiaries who responded. Across sectional survey design was used to evaluate the variables above. Correlation coefficients revealed a significant positive relationship between the variables. Multiple regression analysis further revealed that 44.5% of the variance in the household income is explained by micro credit access, borrowers’ characteristics and business type. The study recommends that micro credit institutions should increase funds which borrowers’ can access. Credit institutions should always consider borrowers’ characteristics and business type the borrowers’ are to engage in before giving credit to the potential borrowers’. These factors enable the borrowers’ to use funds wisely and eventually they lead to improved household income of the poor. en_US
dc.identifier.citation Businge, P.F. (2009). Accessing micro credit, borrowers’ characteristic and household income in rural areas: A case of Kasese District. Unpublished master dissertation. Makerere University, Kampala, Uganda en_US
dc.identifier.uri http://hdl.handle.net/10570/2413
dc.language.iso en en_US
dc.publisher Makerere University en_US
dc.subject Rural areas en_US
dc.subject Micro credit access en_US
dc.subject Borrowers’ characteristic en_US
dc.subject Household income en_US
dc.subject Kasese District, Uganda en_US
dc.title Accessing micro credit, borrowers’ characteristic and household income in rural areas: A case of Kasese District en_US
dc.type Thesis en_US
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