The effect of interest rate on loan repayment in microfinance banks in nigeria
Table Of Contents
Chapter ONE
1.1 Introduction1.2 Background of study
1.3 Problem Statement
1.4 Objective of study
1.5 Limitation of study
1.6 Scope of study
1.7 Significance of study
1.8 Structure of the research
1.9 Definition of terms
Chapter TWO
2.1 Overview of Microfinance Banks in Nigeria2.2 Concept of Interest Rate
2.3 Importance of Loan Repayment
2.4 Factors Influencing Loan Repayment
2.5 Relationship between Interest Rate and Loan Repayment
2.6 Role of Central Bank in Regulating Interest Rates
2.7 Impact of Interest Rate on Microfinance Banks
2.8 Loan Repayment Strategies in Microfinance Banks
2.9 Comparative Analysis of Interest Rates in Microfinance Banks
2.10 Case Studies on Loan Repayment in Microfinance Banks
Chapter THREE
3.1 Research Design3.2 Research Methods
3.3 Data Collection Techniques
3.4 Sampling Methodology
3.5 Data Analysis Plan
3.6 Ethical Considerations
3.7 Validity and Reliability
3.8 Limitations of the Research Methodology
Chapter FOUR
4.1 Overview of Data Findings4.2 Analysis of Interest Rate Trends in Microfinance Banks
4.3 Loan Repayment Patterns in Microfinance Banks
4.4 Factors Influencing Loan Repayment Behavior
4.5 Comparison of Loan Repayment Rates
4.6 Impact of Interest Rate Changes on Loan Repayment
4.7 Strategies for Improving Loan Repayment Rates
4.8 Recommendations for Microfinance Banks
Chapter FIVE
5.1 Summary of Findings5.2 Conclusion
5.3 Implications for Microfinance Banks
5.4 Recommendations for Future Research
5.5 Contribution to Knowledge
Thesis Abstract
The study sought to appraise the effect of interest rate on loan repayment in micro-finance institutions. Lapo Microfinance Bank, a Microfinance institution in Ikot Abasi was used as a case study for the study. The research was conducted using questionnaires and interviews. In all 100 customers and 20 employees were sampled for the research. A systematic random sampling was used for the data collection. The findings of the research revealed that though interest rate plays a major role in loan repayment, other factors such as loan term and the repayment frequency also influence to a large extent the loan repayment. Customers indicated that though lower interest rate would enhance loan repayment, the issue of accessibility and availability of funds was paramount. To enhance loan repayment, the researcher recommends lower interest rate to ease loan repayment burden and loans granted should be amounts that customers can service. Again, Micro-insurance could be established to protect the Institution and customers against any default.
Thesis Overview
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