TABLE OF CONTENTS
DECLARATION
DEDICATION
APPROVAL
ACKNOWLEDGEMENT iv
ABSTRACT
LIST OF TABLES
CHAPTER ONE 1
1.0. Introduction
1.1. Background of the Study 1
1.2. Statement of the Problem 2
1.3. Objectives of the study 3
1.3.1. General objective 3
1.3.2. Specific objectives 3
1.4. Research Questions 3
1.5. Research hypothesis ofthe study 3
1.6. Scope of the Study 4
1,6.1. Content scope 4
1.6.2. Geographical scope 4
1.6.3. Time scope 4
1.6.4. Theoretical scope 4
1.7. Significance of the Study
1.8. The Conceptual Framework 6
1.9. Operational Definition of Terms 7
CHAPTER TWO 8
LITERATURE REVIEW 8
2.0. Introduction 8
2.1. Definition review 8
2.2. Theoretical Review 9
2.3. On-The-Job Training and Performance of Local Government Employees 9
2.4. Professional Development and Performance of Local Government Employees 12
2.5. Work Ethics and Performance of Local Government Employees 15
CHAPTER THREE 18
METHODOLOGY 18
3.0. Introduction 18
3.1. Research Design 18
3.2. Study Population 18
3.3. Sample size 19
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3.4. Sampling Technique .19
3.5. Sources of data collection .20
3.5.1. Primary data collections 20
3.5.2. Secondary data collection 20
3.6. Data Collection instruments 20
3.7. Questionnaire 20
3.8. Validity of the research instruments 21
3.9. Measurement of variables 21
3.10. Reliability of the research instruments 21
3.11. Data processing and analysis 21
3.12. Ethical considerations 21
3.13. Limitations of the study 22
CHAPTER FOUR 23
DATA PRESENTATION, ANALYSIS AND DISCUSSION 23
4.0. Introduction 23
4.1. Response rate 23
4.2. Findings on demographical features 23
4.2. Findings on training of employees 24
4.4. Findings on employee performance 26
4.5. The relationship between professional development, on-job training and training in ethics with
employee performance 27
CHAPTER FIVE 29
SUMMARY, CONCLUSION AND RECOMMENDATIONS 29
5.0. Introduction 29
5,1. Summary 29
5.2. Conclusion 30
5.3. Recommendations 30
5.4. Areas for further study 30
REFERENCES 31
APPENDICES 33
ABSTRACT
The study examined the effect of exchange rate on bank loans in Centenary bank, Kampala branch. Its objectives were to identify the bank specific factors, customer specific factor that cause default on loans payments and find out possible solutions to help reduce on the loan default rate in commercial banks. Sample sizes of 57 respondents out of a population of 72 staffs were used and it comprised of the credit staffs that included loans processors, loans officers, and credit administrators. Findings showed that the customer specific factors for loan default included multiple borrowing, the inadequate information flow amongst the loans officers and the customers and the high rate of business failures. Bank specific factors included inadequate motivation of the credits staffs in terms of incentives, the inadequate working tools to ease loan recovery e.g the motor bikes and understaffing in the credit department. The study recommended the use of top up loans facilities instead of multiple borrowing, routine supervision and regulation of the banking activities by bank of Uganda~ provision of adequate working tools to the loans officers to enhance recovery of loans and the use of existing technology platforms to keep the customers up to date of information concerning their loans.
