Browsing by Author "Koduah-Boateng, Joseph"

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    The contribution of rural banking in terms of loans assessment to the improvement of the living conditions of the people of Ejisu-Juaben District-A case study of Juaben Rural Bank Ltd
    (August 2015) Koduah-Boateng, Joseph
    The thesis investigates the contribution of Rural Banking in terms of loans assessment to the improvement of the living conditions of the people of Ejisu-Juaben district and Juaben Rural Bank ltd was selected as a case study. Using a random sampling technique a sample size of one hundred and twenty (120) staff and customers from Juaben Rural Bank ltd was drawn from the population. Questionnaires were administered. The study looked into the significance, the purposes for which loans are granted to customers and whether these loans are utilized for its intended purposes and also the benefits customers derive from accessing loans from the bank. The questionnaire was used as the main source of data and SPSS (18th edition) was used for the data analysis. The study identified purposes such as the customers used loans to purchase vehicle, customers apply loan for building projects, customers access loans to support their business and loans are granted to pay school fees as the key purpose / variables for granting loans to customers. The finding indicates that, salary workers are able to repay their loan principal and interest back within the agreed period. The study further recommended that, rural banks in the country should beat down interest rate to encourage more customers to access the loan.