Role of Commercial Bank in Promoting Savings Among the People of Juba County-Soutthern Sudan: A Case Study of Kenya Commercial Bank (Kcb)-Sudan Limited Juba.

TABLE OF CONTENTS

DECLARATION ........................................................................................ i

APPROVAL .............................................................................................. ii

DEDICATION .......................................................................................... iii

ACKNOWLEDGEMENT .................................. , ......................................... iv

LIST OF ACRONYMS ................................................................................ V

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

LIST OF TABLES ..................................................................................... vii

LIST OF FIGURES .............................................................................. , .... viii

ABSTRACT ................................................................................................ xi

CHAPTER ONE ............................................................................................ l

INTORDUCTION .......................................................................................... 1

1.1 Background to the study ....................................................................... 1

1.2 Statement of the problem ...................................................................... 2

1.3 Purpose of the study ............................................................................ 3

1.4 Research Objectives ............................................................................. 3

1.5 Research Questions ............................................................................... 3

1.6 Research Scope .......................................................................... : .......... 3

1. 7 Significance of the study ....................................................................... .4

Vl

CHAPTER TW0 ................................................................................................ 5

LITERATURE REVIEW .......................................................................................... 5

2. 0 Introduction ................................................................................................... 5

2.1 The concept of Commercial banking and saving in Financial Institutions .... 5

2.2 Relationship between Commercial Banks and saving among people ........... 6

2.3 Saving products offered by Commercial banks to the local population ....... 8

2.4 Role of Commercial banking in promoting saving among people ................ 10

CHAPTER THREE .................................................................................................... 13

METHODOLGY ....................................................................................................... 13

3.0 Introduction ................................................................................. : ................... 13

3.1 Research Designed .......................................................................................... 13

3.2 Target Population ............................................................................................ 13

3.3 Sampling Designed .......................................................................................... 14

3.3.1 Table of Sample size ..................................................................................... 14

3.4 Data Collection Tools and procedure .............................................................. 14

3.4.1 The Questionnaires ..................... : ................................................................. 14

3.4.2 Interviews ..................................................................................................... 15

3.5 Reliability and Validity of Data collection tools ............................................... 15

3.6 Research Procedure ......................................................................................... 15

3. 7 Data Analysis and Presentation ...................................................................... 16

Vll

CHAPTER FOUR ..................................................................................................... 17

DATA PRESENTATIONS, ANALYSIS AND INTERPRETATION ............................... 17

4.0 Introduction .............................................................................. : ................... 17

4.1 Demographic Characteristics of Respondents .............................................. 17

4.2 Relationship between Kenya Commercial Bank and Savings in Juba

County ............................................................................................................ 21

4.3 Saving Products Offered by Kenya Commercial Bank to People of

Juba ............................................................................................................... 24

4.4 Role of Kenya Commercial Bank in Promoting Savings Among the People of

Juba ............................................................................................................... 27

CHAPTER FIVE ...................................................................................................... 31

SUMMARY, DISCUSSION, RECOMMENDATIONS AND

CONCLUSION ......................................................................................................... 31

5.0 Introduction ................................................................................................... 31

5.1 Summary and discussion of the Major Research Findings ........................... 31

5.2 Conclusion .................................................................................................... 33

5.3 Recommendation .......................................................................................... 34

5.4 Areas for Further Research ......... .' ................................................................. 35

REFERENCES .......................................................................................................... 36

APPENDICES .......................................................................................................... 38

APPENDIX 1 Interview Guides ............................................................................ .38