CHAPTER THREE

METHODOLOGY

3.0 Introduction

This chapter presents the methodology which consists of the research design, area of study, study population, sample population and selection, sampling technique, data collection method, data quality control, data collection procedures and limitations of the study.

3.1 Research design

The study will use descriptive research design. The design will avail the researcher with comprehensive information about the research study as a way of getting solutions.

3.2 Area of the study

The study will be carried out at Head office of centenary bank, stanbic and pride microfinance banks.

3.2 Study population and sample size

The study will target, credit officers, management staff and top management in these banks.

3.3 Sampling techniques

The study will use simple random sampling technique to select respondents, while the purposive sampling technique will be used for selecting top management.

3.4 Data collection methods

Source of data will be from both primary and secondary sources.

3.5 Data Collection Instruments

The major instruments for data collection will be questionnaires and interview guide. The questionnaire will provide respondents with ample time to comprehend the questions raised and hence, they will be able to answer factually.

3.6 Data collection procedures

Upon receiving the University permission to carry out research, the area of study will be visited for purposes of familiarization.

3.7 Quality control of data instruments

The instrument will be taken to the supervisor to check its correctness there after pilot study will be carried out to find out if it measures what it is meant to for.

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