Credit rationing and loan repayment performance

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A SACCOS Approach and experience

The provision of credit to the poor has been regarded as a means for poverty alleviation.

However, for the institution issuing credit to be sustainable, it has to ensure that borrowers are assessed effectively and loans are recovered as soon as they are due The provision of credit has increasingly been regarded as an important tool for raising income and hence improving livelihood.

The generation of self-employment and entrepreneurial activities requires investment in working capital.

However, at low levels of income, the accumulation of such capital may be difficult.

Under such circumstances, loans, by increasing family income, can help the poor to accumulate their own capital and invest in income-generating activities The overall findings revealed credit rationing system in SACCOS was weak since it failed to discriminate creditworthy from non-credit worthy borrowers.For a rationing system to be effective it has to consider the factors that affect loan repayment during loan issuance.

This book is designed for micro finance researchers and practitioners.It paves the way for more research on credit rationing to ensure portfolio quality for institution's sustainability

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