List of Tables Contents CHAPTER ONE: INTRODUCTION 9 1.1 Background of the Study 9 Regression Results (Summary) 12 Theoretical Framework 13 The Microfinance Model and Loan Repayment 13 Determinants of Repayment: The 5Cs Model 13 Empirical Evidence on

1. Introduction 1.1 Background of the Study 1.2 Problem Statement 1.3 Research Objectives 1.4 Research Questions 2. Literature Review 2.1 Theoretical Framework 2.2 The Microfinance Model 2.3 Loan Repayment Challenges 2.4 Determinants of Repayment 2.5 Empirical Evidence on Repayment 3. Methodology 3.1 Research Design 3.2 Data Collection Methods 3.3 Sample Selection 3.4 Analytical Techniques 4. The Microfinance Model 4.1 History and Evolution 4.2 Key Characteristics 4.3 Success Factors 4.4 Criticisms and Limitations 5. Loan Repayment Analysis 5.1 Regression Results 5.2 Summary of Findings 5.3 Discussion of Results 5.4 Implications for Practitioners 6. The 5Cs Model in Practice 6.1 Character Assessment 6.2 Capacity and Capital 6.3 Collateral Requirements 6.4 Conditions and Contexts 7. Empirical Evidence Review 7.1 Global Case Studies 7.2 Regional Comparisons 7.3 Impacts on Loan Repayment 7.4 Lessons Learned 8. Conclusion and Recommendations 8.1 Summary of Key Findings 8.2 Policy Implications 8.3 Recommendations for Future Research 8.4 Final Thoughts