Loan Portfolio and Effect of Delinquency :( Case of Wisdom Micro Finance Institution, Soddo Branch)

Abstract

The purpose the study was analyzing the effect of loan portfolio quality and effect of delinquency in Sodo Vision Fund Micro financing Institution. The study conducted in the clients received loan from the institution and office staff of Sodo vision fund micro finance institution.  The selection of these target population were made at random sample by using an availability of sampling techniques were taken as a study of population. The data gathering tool employed in this was questionnaires and interviews among 56 member of clients and 6 staff member of the institution, Hence a set of questionnaires distributed to 68(100%) of male and 32(100%) of female and total sampling population were filled and returned. Thus, final result of analyze of the study was made based on questioners and interview from the given group of respondents and documents of the institution. The data was analyzed by using percentage and ranking methods. Generally the study contains problems and its approach review of related literatures. Finally, questionnaires were administrated the sample population the researcher prepared interview questions to both the clients and staff member and percent them to the respondents of sample population. The major intension of the researcher to improve loan portfolio quality and effect of delinquency among clients, and also to improve the culture of saving and repayment of the loan, creating awareness to the people/clients in over all areas of the loan.

Keywords: Loan, Effect, Delinquency Vision Fund

DOI: 10.7176/JPID/49-03

Publication date: April 30^th 2019