| dc.creator |
Ramadhan, Mohamed |
|
| dc.date |
2020-11-17T05:36:16Z |
|
| dc.date |
2020-11-17T05:36:16Z |
|
| dc.date |
2020 |
|
| dc.date.accessioned |
2021-05-05T08:08:48Z |
|
| dc.date.available |
2021-05-05T08:08:48Z |
|
| dc.identifier |
APA |
|
| dc.identifier |
http://hdl.handle.net/11192/4832 |
|
| dc.identifier.uri |
http://hdl.handle.net/11192/4832 |
|
| dc.description |
A Dissertation to be submitted in Partial Fulfilment of the Requirements for the
Degree of Master of Business Administration of
Mzumbe University |
|
| dc.description |
This study aimed at investigating determinants of SMEs loan defaults and their
impacts to commercial banks in Tanzania using CRDB as a case study. The study was
guided by five objectives which were (1) to investigate how the factors that cause
SMEs to default loan repayment affect CRDB bank, (2) to identify factors that hinder
SMEs to repay back their loan to CRDB,(3) to assess how CRDB bank respond
towards the defaulted loan from SMEs,(4)to find out how SMES loan default affect
CRDB bank and (4) to investigate problems encountered by SMEs when they fail to
make loan repayment..
The research design was both quantitative and qualitative. The study used
questionnaires and observation methods for collecting data which were then entered
in SPSS software for analysis. The study involved total of 150 respondents as sample
size. According to literatures loan defaults occurs due to the character of the
borrowers, high interest rates from the lending institutions, marital status and business
failures. The findings from this study revealed that deaths and prolonged illness of the
borrowers, changes in political regimes, character of the SMEs and business failures
to be the main factors behind SMEs loan defaults in Tanzania. The study
recommends CRDB bank to visit the premises of the borrowers, develop a
relationship with SMEs and conduct a proper monitoring control. The study
recommended CRDB to use Credit Reference Bureau (CRB) in order to facilitate
collection of loans. |
|
| dc.language |
en |
|
| dc.publisher |
Mzumbe University |
|
| dc.subject |
SMEs loan defalts |
|
| dc.subject |
Commercial Banks in Tanzania |
|
| dc.title |
determinants of SMEs loan defaults in commercial banks inTanzania : a casestudy of CRDB bank |
|
| dc.type |
Thesis |
|