C0b049b22609e601f2bc3551b476864c20f5c3e0

TABLE OF CONTENT

DECLARATION ......................................... II

ACKNOWLEDGEMENT ...................................... III

ABBREVIATIONS...................................... VI

1.0 CHAPTER ONE ................................................... 1

1.1 INTRODUCTION ................................................. 1

1.2 PROJECT BACKGROUND ................................ 2

I.2.I DEFJNITION ....................................... 2

I.2.2 HISTORY ................................................. ........... 2

I.2.3 SIZE OF MICROFINANCE .............................................. 3

I.2.4 SUCCESS AND FAILUR£ ................................................. 3

I.2.5 BACKGROUND OF THE STUDY AREA ........................... 4

1.3 OBJECTIVE ..................................................... 5

1.4 SPECIFIC OBJECTIVES ........................................................... 5

1.5 RESEARCH HYPOTHESIS ...................................... 5

1.6 RESEARCH QUESTIONS ................................. 5

1.7 SIGNIFICANCE ........................................... 6

1.8 SCOPE OF THE STUDY ............................................ 6

1.9STATEMENTOFTHEPROBLEM ................................ 7

THE PAPER HAS SOUGHT TO EXAMINED THE EFFECT OF MICRO CREDIT ON THE MICRO ENTERPRISE

SECTOR liAS EXAMINED THE NEW INNOVATION OF SALARY LOANS CURRENTLY BEING OFFERED .•••..... 8

1.10THEORETICALFRAMEWORK ......................................... 8

2.0 CHAPTER TW0 ...................................................... 12

2.1 LITERATURE REVIEW ................................ 12

2.2 DEFINITION .......................................... 12

2.3 SMALL AND MICRO ENTERPRISES .................................. 13

2.4 EVALUATION ........................................................ 13

2.5 FACTORS FOR A SUCCESSFUL MICRO FINANCE SYSTEM ................................................ I4

2.6 REPAYMENT PATTERNS IN THE MICRO FINANCE SECTOR ............................................ 15

2.7THEROLEOFWOMENINMICROFINANCE ........................... 16

2.8 FINANCING THE SMALL AND MICRO ENTERPRISES ................... 16

2.9 REGULATION OF THE MICRO FINANCE SECTOR ......... 17

2.9.I REACHING THE POOR AND SUSTAINABILITY .......... I8

CHAPTER THREE ................................................................................. 19

3.0 RESEARCH !VIETHODOLOGY ............................ 19

3.1 STUDY POPULATION .................................................. 19

3.2 THE UNIT OF ANALYSIS .................. 19

3.3 SAMPLE DESIGN ................................................. I9

3.4DATACOLLECTIONTOOLS .................................... 19

3.4.I OBSERVATJON .................................................... I9

3.4.2. INTERVJEWS ..................................................... 20

3.4.3 QUESTIONNAIRES ........................................... 20

3.4.4 TRIANGULATION. ..................................... 20

3.5 DATA ANALYSIS ................................................... 20

CHAPTER FOUR ................................................ 21

4.0 PRESENTATION AND FINDINGS .......................................... 21

4.1 INTRODUCTION .................................................. 21

4.2 BUSINESS PERFORMANCE ................................ 21

IV