Lending appraisal and performance of SACCOS in Rukiga district, Uganda
This study's objective was to assess how lending appraisal affected SACCO performance in the District. The study's outcome variables were the performance of SACCOs, with SACCO governance serving as a predictor variable. The investigation was preceded by a cross-sectional survey. Data f...
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| Format: | Article |
| Language: | English |
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African Journal of Business Management
2023
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| Online Access: | http://hdl.handle.net/20.500.12493/1009 |
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| author | Moses, Agaba John Bosco, turyasingura Jesse David, Kabagambe |
| author_facet | Moses, Agaba John Bosco, turyasingura Jesse David, Kabagambe |
| author_sort | Moses, Agaba |
| collection | KAB-DR |
| description | This study's objective was to assess how lending appraisal affected SACCO performance in the District.
The study's outcome variables were the performance of SACCOs, with SACCO governance serving as a
predictor variable. The investigation was preceded by a cross-sectional survey. Data from 5 SACCOs
with 109 respondents were collected, and both quantitative and qualitative analyses were merged. The
analysis was conducted at three levels, namely: Descriptive, bivariate and multivariate analyses. Since
descriptive analysis entailed description of a single variable and its attributes, frequency tables were
used to present the data. At the bivariate level, a Pearson correlation matrix was conducted to ascertain
the relationships between the predictor variables and the dependent variable. The dependent variable
was regressed against using the updated predictor variables for loan approval at the multivariate level
(performance of SACCOs). A linear regression model was used to fit the data. According to study
findings from the regression model, loan appraisal (coef. = -0. 635, p-value=0.000) have a positive
influence on the performance of SACCO in District. This study's main finding is that corporate
governance has a big impact on SACCOS performance. The study consequently advises that more
emphasis should be given to implementing corporate governance in order to ensure good performance
of SACCOs in Rukiga District. |
| format | Article |
| id | oai:idr.kab.ac.ug:20.500.12493-1009 |
| institution | KAB-DR |
| language | English |
| publishDate | 2023 |
| publisher | African Journal of Business Management |
| record_format | dspace |
| spelling | oai:idr.kab.ac.ug:20.500.12493-10092024-01-17T04:48:09Z Lending appraisal and performance of SACCOS in Rukiga district, Uganda Moses, Agaba John Bosco, turyasingura Jesse David, Kabagambe Lending appraisal, performance, SACCO This study's objective was to assess how lending appraisal affected SACCO performance in the District. The study's outcome variables were the performance of SACCOs, with SACCO governance serving as a predictor variable. The investigation was preceded by a cross-sectional survey. Data from 5 SACCOs with 109 respondents were collected, and both quantitative and qualitative analyses were merged. The analysis was conducted at three levels, namely: Descriptive, bivariate and multivariate analyses. Since descriptive analysis entailed description of a single variable and its attributes, frequency tables were used to present the data. At the bivariate level, a Pearson correlation matrix was conducted to ascertain the relationships between the predictor variables and the dependent variable. The dependent variable was regressed against using the updated predictor variables for loan approval at the multivariate level (performance of SACCOs). A linear regression model was used to fit the data. According to study findings from the regression model, loan appraisal (coef. = -0. 635, p-value=0.000) have a positive influence on the performance of SACCO in District. This study's main finding is that corporate governance has a big impact on SACCOS performance. The study consequently advises that more emphasis should be given to implementing corporate governance in order to ensure good performance of SACCOs in Rukiga District. Kabale University 2023-02-20T08:32:43Z 2023-02-20T08:32:43Z 2023-02-17 Article Agaba, M., Turyasingura, J. B., & Kabagambe, J. (2023). Lending appraisal and performance of SACCOS in district, Uganda. African Journal of Business Management, 17(2), 23-31 1993-8233 DOI: 10.5897/AJBM2022.9423 http://hdl.handle.net/20.500.12493/1009 en Attribution-NonCommercial-NoDerivs 3.0 United States http://creativecommons.org/licenses/by-nc-nd/3.0/us/ application/pdf African Journal of Business Management |
| spellingShingle | Lending appraisal, performance, SACCO Moses, Agaba John Bosco, turyasingura Jesse David, Kabagambe Lending appraisal and performance of SACCOS in Rukiga district, Uganda |
| title | Lending appraisal and performance of SACCOS in Rukiga district, Uganda |
| title_full | Lending appraisal and performance of SACCOS in Rukiga district, Uganda |
| title_fullStr | Lending appraisal and performance of SACCOS in Rukiga district, Uganda |
| title_full_unstemmed | Lending appraisal and performance of SACCOS in Rukiga district, Uganda |
| title_short | Lending appraisal and performance of SACCOS in Rukiga district, Uganda |
| title_sort | lending appraisal and performance of saccos in rukiga district uganda |
| topic | Lending appraisal, performance, SACCO |
| url | http://hdl.handle.net/20.500.12493/1009 |
| work_keys_str_mv | AT mosesagaba lendingappraisalandperformanceofsaccosinrukigadistrictuganda AT johnboscoturyasingura lendingappraisalandperformanceofsaccosinrukigadistrictuganda AT jessedavidkabagambe lendingappraisalandperformanceofsaccosinrukigadistrictuganda |