Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Husnayain Business Review International Journal of Islamic Business and Management Review
Eliab Byamukama Mpora
Kabale University
Arts Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Effect of Credit Collection Policy on Loan Performance in the Banking Sector in Central region of Uganda Alex Semusu; Eton Marus; Kaaya Siraje; Eliab Byamukama Mpora
Husnayain Business Review Vol. 6 No. 1 (2026)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (ADPEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/hbr.v6i1.1703

Abstract

This study examined the effect of credit collection policy on loan performance in the banking sector of Central Uganda. Despite the presence of formal credit collection frameworks, commercial banks in Uganda continue to experience persistent loan defaults, raising concerns about the effectiveness of existing collection practices in improving loan performance. Anchored in a pragmatic research paradigm, the study adopted a mixed-methods approach. Quantitative data were collected using structured questionnaires administered to selected commercial banks and analyzed through Covariance-Based Structural Equation Modeling (CB-SEM) using Jeffrey’s Amazing Statistical Program (JASP) version 0.19.3.0. Exploratory Factor Analysis (EFA) was employed to validate the measurement model. Qualitative data were obtained through key informant interviews and analyzed thematically to complement and explain the quantitative findings. The results revealed that credit collection policy had a negative but statistically non-significant relationship with loan performance (β ≈ −0.04, p > 0.05). While the measurement model demonstrated acceptable construct validity and reliability, the structural model indicated that formal credit collection policies did not significantly influence loan performance outcomes. Qualitative findings provided further insight, showing that collection practices were largely reactive, with recovery efforts typically initiated only after loans became non-performing. In addition, heavy reliance on third-party debt collectors and delayed borrower engagement weakened internal ownership and accountability in the credit recovery process. The study contributes empirical evidence from Uganda’s banking sector by demonstrating that the effectiveness of credit collection policy is determined less by formal policy design and more by proactive implementation and early borrower engagement. By integrating quantitative SEM results with qualitative insights, the study offers a nuanced explanation for the weak linkage between credit collection policies and loan performance, with implications for strengthening credit risk management policies in developing economies.
Effect of Credit Risk Management on The Growth of Umurenge Saccos In Rwanda Eliab Byamukama Mpora; David Ngatia; Ngirababo Rwusira Dan; Frank Hagumimana
International Journal of Islamic Business and Management Review Vol. 5 No. 1 (2025)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibmr.v5i1.1302

Abstract

The study established the effect of credit risk management on the growth of Umurenge SACCOS in Kigali City and the Eastern province sectors in Rwanda. Credit Risk Management was operationalized as credit risk analysis, monitoring, and risk mitigation, while growth was operationalized as Member growth, member satisfaction, and Operational efficiency. This study adopted a quantitative approach, and quantitative data were collected using Self-administration. A sample size of 84 participants was obtained using the Krejcie and Morgan 1970 table for sample determination. The findings indicate that the majority of the respondents were male, aged 31–40 years, accounting for 60.7%, and Female, 39.3%. The majority of employees are bachelor's degree holders, accounting for 54.8%, and the Secondary school level is 40.5%. The results indicate that the independent variable has a positive high correlation to the dependent variable (equal to .985** and the p-value is .000, which is less than 0.01). The limitations include bias from the respondents and the study being conducted in only Umurenge SACCO’S in Rwanda in a few Sectors this, generalizes results difficult. Managers should establish strategies and prioritize risk management practices by implementing policies in place. The findings contribute to the literature on credit risk management in terms of the Central Bank of Kigali. The study also recommends that policymakers in the financial sectors develop guidelines on how SACCOs can go about managing credit risk as credit risk management to be able to enhance the growth of wealth in SACCOs. Previous similar research only studied how credit risk management affects loan performance and the growth of SACCOs in general and particularly in other countries. The ones carried out in Rwanda did not look at Umurenge SACCO’s growth
Co-Authors Alex Semusu David Ngatia Eton Marus Frank Hagumimana Kaaya Siraje Ngirababo Rwusira Dan