The Effect of Loan Assessment and Loan Management on Performance Of Pangisa Sacco in Arua
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Date
2025-10-15
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Uganda Christian University
Abstract
The study examined the relationship among loan assessment, loan portfolio management and performance of SACCO in Arua district, Uganda. The study sought to determine the extent to which performance of SACCOs is attributed to loan assessment and loan portfolio management. The study used cross sectional survey design using a sample of 207 SACCO, giving a response rate of 85%. The data was collected using questionnaire and was analyzed using SPSS version 22. Pearson correlation and hierarchical regression analysis were used to determine the degree of the relationship among loan assessment, loan portfolio management and performance of SACCOs in Arua district, Uganda.
Findings of the study revealed a significant positive relationship between loan assessment, loan portfolio management and performance of SACCOs. The regression analysis results show that loan assessment and loan portfolio management predict 54.7% of the observed variance in performance of SACCOs. This implies that there are other predictors of performance of SACCOs besides loan assessment and loan portfolio management, thus, further research is called for, to find the other predictors of performance of SACCOs .
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Undergraduate
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Research Paper