Credit Policies and Business Success on Small Scale Business in Kabale District Hakashenyi SACCO.

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Kabale University


The study focused on the findings of the credit policies and business success on small scale business in Kabale district Hakashenyi Sacco. The objectives of the study were to establish the credit policy used by small scale business to establish the level of success of small scale busing and to establish the relationship between credit policy and success of small scale business. There was critical review of the issues that have explored and studied both theoretically and empirically in the existing literature on of credit policy as an independent variable and business success as the dependent variable and the methods of data collection were put into action. The research used both qualitative and quantitative methods of data collection and analysis. The research used simple random sampling techniques in collecting and analyzing data and was used to provide equal chances to the sample size. Purposive sampling was also used to collect data from respondents that participated in the study. Findings of the study were obtained from the field interpreting the results analyzing basing on the specific objectives of the study. It is recommended that government should promote group loans owned and managed by women because experience across different developed markets has shown that women have a better repayment record and yield a higher cross sell ratio for financial institutions. SACCO's are recommended to adopt information and communication technologies in their businesses because the development of information and communication technology is central, not only for production but also for trade facilitation in both local and international markets. By all means, the government should strive to do everything possible to improve the Microfinance Institutions in which SACCO members operate through improving infrastructure, thus road networks, buildings and communication technologies. The environments shouid be established in sue4 way that they promote or allow for new enterprises to emerge, existing ones to grow, and the large and small enterprises to coexist by supporting one another.




Agaba, Peter (20220. Credit Policies and Business Success on Small Scale Business in Kabale District Hakashenyi SACCO. Kabale: Kabale University.