Microfinance Institutions And Poverty Alleviation In Western Equatoria State Of Southern Sudan: A Case Study Of Maridi County

TABLE OF CONTENTS

DECLARATION ............................................................................................................ ii

APPROVAL. ................................................................................................................. iii

DEDICATION .............................................................................................................. iv

ACKNOWLEDGEMENTS ............................................................................................ v

TABLE OF CONTENTS .............................................................................................. vi

LIST OF TABLES ........................................................................................................ ix

LIST OF FIGURES ....................................................................................................... x

ACRONYMS AND ABBREVIATIONS ......................................................................... xi

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

INTRODUCTION .......................................................................................................... 1

1.0 Background of the Study ........................................................................................ 1

1.1 Statement of the Problem ...................................................................................... 3

1.2 Purpose of the Study .............................................................................................. 4

1.3 Specific Objectives of the Study ............................................................................. 4

1.4. O Scope of the Study .............................................................................................. 5

1.4.1. Time Scope ........................................................................................................ 5

1.5 The Conceptual Framework ................................................................................... 5

CHAPTER TWO .......................................................................................................... 6

LITERATURE REVIEW ............................................................................................... 6

2.0 Introduction ............................................................................................................ 6

2.1 Interest rates on the loans ...................................................................................... 6

2.2 Group lending of loans and the clients ................................................................... 6

2.3 The Global Origins of Microfinance ........................................................................ 7

2.4 Micro credit and its effects on the poor .................................................................. 8

2.5 Accessibility of microfinance services .................................................................... 8

2.6 Principles Governing MFls ................................................................................... 10

2.7 Factors for responsive provision of MFls ............................................................. 11

vi

2.8 Challenges and constraints to the provision of microfinance in Maridi western

Equatoria Southern Sudan ......................................................................................... 11

2.9 The reasons for poor or delayed loans payments of MFls ................................... 18

CHAPTER THREE ..................................................................................................... 20

METHODOLOGY ....................................................................................................... 20

3.0 Introduction .......................................................................................................... 20

3.1 Research Design .................................................................................................. 20

3.2 Area of Study ....................................................................................................... 20

3.3 Research Population ............................................................................................ 20

3.4 Study Population and Area ................................................................................... 20

3.5 Sampling Technique ............................................................................................ 21

3.6 Sampling Procedure ............................................................................................. 21

3.6.0 Methods of Data collection ................................................................................ 21

3.6.1 Research instruments ....................................................................................... 21

3. 7 Sources of data .................................................................................................... 22

3.8 Data Processing ................................................................................................... 22

3.9 Data Analysis and Presentation ........................................................................... 23

3.1 0 Limitations of the study ...................................................................................... 23

CHAPTER FOUR ....................................................................................................... 24

DATA PRESENTATION AND INTERPRETATIONS ................................................. 24

4.0 Introduction ..................................................................................................... 24

4.1 Profile of the respondent ................................................................................. 24

CHAPTER FIVE ......................................................................................................... 30

SUMMARY OF FINDING, CONCLUSIONS AND RECOMMENDATIONS ............... 30

5.0 Introduction .......................................................................................................... 30

5.1 Summary of the findings and their relevance ....................................................... 30

5.1.1 How high interest rate charged on loans affects the borrowing power and

income level of the borrower ...................................................................................... 30