Browsing by Author "Apio, Sarah"

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    Credit Restructuring Decisions amidst COVID-19 Pandemic and Loan Portfolio Performance of Financial Institutions in Uganda.
    (2023) Apio, Sarah
    This study sought to examine the relationship between credit Restructuring decisions constructs and loan portfolio performance by financial institutions in Uganda. The specific objectives were to examine the relationship between loan rescheduling and loan portfolio performance; examine the relationship between credit relief and loan portfolio performance; examine the relationship between interest amortization and loan portfolio performance; and examine the relationship between credit restructuring decisions and loan portfolio performance. The study followed a cross sectional research design and structured questionnaires were used to collect data. Data were collected from selected financial institutions. Results from the correlation analysis revealed a significant positive relationship between: loan rescheduling and loan portfolio performance; credit relief and loan portfolio performance; interest amortization and loan portfolio performance, and credit restructuring decisions and loan portfolio performance. This implies that, loan portfolio performance is associated with positive change in loan rescheduling, credit reliefs and interest amortization. Furthermore, a multiple regression analysis revealed that loan rescheduling, credit reliefs and interest amortization are significant predictors of loan portfolio performance. The study recommends that loans from clients must be rescheduled by financial institutions based on each individual circumstance. Repayment holidays for clients should be implemented by financial institutions. Financial institutions need to make sure that customers are aware of interest rates.