Impact of Interest Rates on Commercial Banks Lending Rates in Kabale Municipality: A Case Study of Centenary Bank, Kabale-Branch.
|dc.description.abstract||The purpose of the study was to describe the impacts of interest rates on commercial banks’ lending rates case study centenary bank, Kabale branch at Kabale municipality, Uganda. It was guided by the following objectives; to examine the interest rates on lending charges of Centenary Bank branch in Kabale municipality, to describe the impacts of interest rates on lending charges of Centenary Bank branch in Kabale municipality, determine the impact of interest rates on the performance of commercial banks, to identify interest rates and examine its impacts of leading changes. The researcher used descriptive research design to explain the relation between impacts of interest rates on commercial banks' lending rates. Qualitative analysis was used to present data in tables and qualitative research design was also used where data. The researcher considered sample size of 35 respondents categorized as; three from top management, 6 from middle management and twenty-six from banking officers. The empirical result of this study showed that bank size, liquidity ratio and profitability ratio had significant and negative effect on lending interest rate in Centenary Bank, Kabale-Branch and Deposit rate and operating cost to total asset ratio had significant and positive impact on lending rates in Centenary Bank, Kabale-Branch. Industry specific factor market concentration has significant and positive effect on lending interest rate of Centenary Bank, Kabale-Branch. Inflation has also positive and insignificant impact on lending interest rate in Centenary Bank, Kabale¬. The study recommends, that the selected variables are determinant factors bank' son lending interest rate such as bank specific factors deposit rate, bank size, liquidity ratio, profitability ratio and operating costs to total assets ratio, Industry specific factors, market concentration and macroeconomic factors inflation rate to determine lending interest rate in commercial bank at an acceptable level except inflation rate. Based on the findings and conclusions above.||en_US|
|dc.identifier.citation||Twinamasiko, Conrad (2021). Impact of Interest Rates on Commercial Banks Lending Rates in Kabale Municipality: A Case Study of Centenary Bank, Kabale-Branch. Kabale. Kabale University.||en_US|
|dc.rights||Attribution-NonCommercial-NoDerivs 3.0 United States||*|
|dc.title||Impact of Interest Rates on Commercial Banks Lending Rates in Kabale Municipality: A Case Study of Centenary Bank, Kabale-Branch.||en_US|