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This is the study about evaluation of loan performance in Azania bank. Specifically, this study intended to evaluate interest rate charged from borrowers, to examine the capacity of bank in supervising loans, to assess borrowers’ attitudes towards loans and identify general loan challenges. Qualitative and quantitative methodologies have been applied. The qualitative methodology probed feelings and perceptions of respondents on the research theme, and the quantitative approach made the study capable of producing and presenting numerical information in tables and figures.
The study used sixty respondents;30 loan officers and 30 borrowers. Two types of data sources that are primary and secondary sources are involved. Interview and questionnaire were the key sources of primary data collection. Qualitative and quantitative data were collected and put in form of percentage and numerical information.
This study has discovered the presence of positive loan performance in Azania Bank due to the fact that interests rates charged are reasonable and affordable, there is adequate loan performance and borrowers have positive attitudes towards loan , proper risk management, integrity of borrowers and tight loan supervision. Key recommendation given is to build capacity of business owners in order to make them more efficient in conduction their business. |
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