MULTIPLE BORROWING AND LOAN REPAYMENT: A STUDY OF MICROFINANCE CLIENTS AT IRINGA, TANZANIA

MULTIPLE BORROWING AND LOAN REPAYMENT: A STUDY OF MICROFINANCE CLIENTS AT IRINGA, TANZANIA

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MULTIPLE BORROWING AND LOAN REPAYMENT: A STUDY OF MICROFINANCE CLIENTS AT IRINGA, TANZANIA

Dr. Hosea Mpogole Tumaini University, Iringa

Immaculate MWAUNGULU

Serijo MLASU

Galinoma LUBAWA

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Abstract

Studies on multiple borrowing and its effect on loan repayment among clients and sustainability of microfinance providers (MFIs) show contradicting results. Some studies indicate that multiple borrowing has a positive effect on loan repayment and sustainability of MFIs while others show that it leads to over indebtedness and consequently default on loan. Therefore, this study analysed the incidences of multiple borrowing, reasons for multiple borrowing, and effects of multiple borrowing on loan repayment at Iringa municipality in Tanzania. Results showed that prevalence of multiple borrowing at Iringa in Tanzania was very high. Over 70% of the 250 microfinance clients had at least two loans from different MFIs at the same time. In addition, about 16% had also borrowed from individual lenders. Major reasons for multiple borrowing were insufficient loans from MFIs, loan recycling, and family obligations. Over 70% of the respondents had problems in loan repayment because of multiple pending loans. We found that education level and number of dependants of the respondent significantly influenced the number of loan contracts. Recommendations are also provided.

MULTIPLE BORROWING AND LOAN REPAYMENT: A STUDY OF MICROFINANCE CLIENTS AT IRINGA, TANZANIA

Authors

Dr. Hosea Mpogole Tumaini University, Iringa

Immaculate MWAUNGULU

Serijo MLASU

Galinoma LUBAWA

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How to Cite

Dr. Hosea Mpogole. 1970. “. Unknown Journal GJMBR Volume 12 (GJMBR Volume 12 Issue 4): .

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Journal Specifications

GJMBR Volume 12 Issue 4
Pg. 97- 102

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Submission Received February 10, 2012
Accepted March 2, 2012
Published March 15, 2012

Keywords

Loan repayment Microfinance Microfinance institutions Multiple borrowing Multiple loans Tanzania

Article Matrices

Total Score: 109

Country: Tanzania

Subject: Uncategorized

Authors: Dr. Hosea Mpogole, Immaculate MWAUNGULU, Serijo MLASU, Galinoma LUBAWA (PhD/Dr. count: 1)

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