MAKLANDINSTI

TUTEOFBUSI
NES
ANDMANAGEMENT
I
NTERNSHI
PREPORTCARRIEDOUTAT JONNELLAINVESTI
MENTLTD
P.OBOX14065KAMPALA
FROM JULY 2021-AUGUST 2021

BY

I
TANGI
SHATSE JAFET.

ANINTERNSHI
PREPORTSUBMITEDTOMAKLANDINSTI
TUTE
OFBUSINESANDMANAGEMENTFORPARTIALFULFI
LMENTOF
THEAWARDOFADI PLOMAINSOCIALWORKANDSOCIAL
ADMI
NISTRATI
ON.

DECLARATI
ON
It
heunder
signed,
decl
aret
hatt
hisi
smyor
igi
nal
pieceofwor
kandhasnev
erbeen
i
submittedorpublishedforanyot herdiplomaawar dtoanyot herinsti
tuti
on.It
ssuccess
i
sent i
relydependentonper sonalint
eract i
onwithrel
evantstakehol dersofthe
organi
zat i
onwher eIhadmyi nternshi
pi ncludi
ngbutnotlimitedtocl i
ents,my
supervi
sorsandt heempl oyeeswhoexposedmet ocriti
calanalysisrelevanti
n
perfor
mi ngseveraltasksforpersonalandor gani
zati
ondev el
opment .

STUDENT’SNAME: I
TANGI
SHATSEJAFET
Si
gnatur
e……………...
..
..
.…….
..
FI
ELDSUPERVISOR’SNAME: KYEBATALAJOHN Si
gnat
ure………………….
..
..
..
….
I
NSTITUTESUPERVISOR’SNAME: NAMALEALICEE Si
gnat
ure
……………………. .
..
..
.

ACKNOWLEDGEMENT
Iam exceedi
ngandexcit
edlyhumbledtoacknowl
edgeall
peopl
ewhocontri
but
ed
morall
y,fi
nanci
all
yandacademical
l
yt owar
dsaccompli
shmentoft
hisi
nter
nshi
p.

i
i
Wit
houtthei
reffort
s,t
hisreportwouldnothavebeenpr oduced.
Iwouldli
ketoextendmyGr eatthankstomyf i
eldsupervi
sorMr.Ky
ebatal
aJohn,
employees,andtheenti
reclient
sbodyofJONELLAI NVESTIMENTSLTDwhopr ovi
ded
mewi t
hagoodl earni
ngandt rai
ningenvi
ronmentthatenabledmetoacqui
rer
elev
ant
ski
l
lsinperf
ormingseveraltasks.

DEDI
CATI
ON
Idedicatethi
spieceofwor ktomyf amilywhi
chplayedapivotrolei
nencouragingand
remindingmet hatIhadt ocompletethiscourseasandwhenev erIcouldbecome
weakenedbysev eralci
rcumstances.
Ial
sodedi cat
eitt omysuper v
isorsMr s.NamaleAli
cewhoal waysupdat edmewi t
hall
necessaryinf
ormat ionontimeandpr ovidedt
echnicalandpract
icalacademicsuppor
t.
i
i
i
APPROVAL
Thisi
nternshi
prepor
thasgonet hr
oughaseri
esofrevi
sionincl
udingmeandmy
super
visorandisnowreadytobesubmi t
tedt
oMaklandI nst
it
uteofBusi
nessand
Managementasapar ti
alful
fi
ll
mentoftheawardofdi
plomai nSocial
WorkandSoci
al
Admini
strati
on.

I
nsti
tut
eSuper
visor
’sName
Mrs.Namal
eAli
ce
…………………………….
i
v
Si
gnatur
e
…………….…………………………
Date

Fi
eldSupervi
sor
’sname
Mr.Kyebatal
aJohn
………………………
SI
gnature
………………………
Date

v
ACRONYMS
MIBM MaklandInsti
tuteofBusi nessandManagement
IMF I
nternati
onalMonitoryFund
MFSC MicroFinanceSuppor tCent re
PG Port
foli
oGr owth
DP DebasedPor t
foli
o
CR CashRat i
o
PAR Port
foli
oAtRi sk
PAR1day Por t
foli
oAtRi skforoneday .
PAR30day
s Port
foli
oAtRi skfor30day s.
LCs LocalCouncil
s
IGA I
ncomeGener atingAct i
vi
ties
SWASA Soci
alWor kandSoci alAdmi
nist
rat
ion

v
i
Tabl
eofCont
ent
s
DECLARATI
ON i
i
ACKNOWLEDGEMENT i
i
i
DEDI
CATI
ON i
v
APPROVAL v
ACRONYMS v
i
CHAPTERONE 1
1.
0Int
roduct
ion 1
1.
1Theobj
ect
ivesoft
hei
nter
nshi
p 1
1.
2Scopeoft
hei
nter
nshi
p 1
1.
3Dur
ati
onoft
hei
nter
nshi
p 1
1.
4Backgr
oundoft
heor
gani
zat
ion. 2
1.
4.1Vi
sion. 2
1.
4.2Mi
ssi
on. 2
1.
4.3Obj
ect
ivesoft
heOr
gani
zat
ion 2
1.
4.4Descr
ipt
ionoft
heser
vicesof
fer
edbyt
heagency 2
Pr
ogr
ams 2
Fi
nanci
alLi
ter
acySer
vicePr
ogr
am 2
Obj
ect
ives 2
Benef
ici
ari
es 3
Bor
rowedcapi
tal
/loansser
vices. 3
Obj
ect
ives 3
For
msofbenef
it
s 3
Benef
ici
ari
es 3
1.
5Or
gani
zat
ionSt
ruct
ure. 4
CHAPTERTWO 5
2.
0STUDENT’
SEXPERI
ENCE 5
2.
1Obj
ect
ivesoft
heact
ivi
ti
es 5
2.
2Descr
ipt
ionofact
ivi
ti
es 5
2.
3Rol
espl
ayedbyt
hest
udent 5
2.
4Depar
tmentofat
tachmenti
ntheor
gani
zat
ionandi
tsdut
ies 5
2.
4.1Gener
alof
fi
cewor
k 5
2.
4.2Fi
nanci
all
i
ter
acyTr
aini
ngwor
kshops 6
2.
4.3Appr
aisi
ngandv
ett
ingcl
i
ent
sforf
inanci
alr
ecogni
ti
on. 6
2.
4.4Cr
edi
tmeet
ing. 6
v
ii
 2.
5Ther
olespl
ayedbyt
hesuper
visor 6
2.
6Ther
olespl
ayedbyt
hei
nst
it
utesuper
visor 6
2.
7Chal
l
enges 6
2.
7.1Chal
l
engesf
acedbyt
hei
nter
nee. 6
2.
7.2Pr
obl
emsf
acedbyt
heOr
gani
zat
ion 7
2.
7.3Remedi
est
oov
ercomet
hechal
l
engesment
ionedabov
e. 7
CHAPTERTHREE 8
3.
1NewSki
l
lsAcqui
red. 8
3.
2Ot
herl
essonsl
ear
nt. 8
3.
3Obser
vat
ionsf
rom act
ivi
ti
esunder
taken 8
CHAPTERFOUR. 9
I
ntr
oduct
ion. 9
CHAPTERFI
VE: 10
5.
1per
for
manceoft
heor
gani
zat
ioni
nst
udent
’sopi
nion 10
5.
2Ar
easf
ori
mpr
ovementf
ort
heagency 10
5.
3Recommendat
ionf
orf
utur
epr
osper
it
y 10
5.
3Concl
usi
on 10
REFERENCES. 11

v
ii
i
CHAPTERONE
1.0Introduction
Thischapt ercont ai
nst hebackgr oundoftheorganizat
ion,
itsobj
ecti
ves,vi
sion,missi
on
andact iv
iti
est hatIpar ti
ci
pat edinwhil
ewor ki
ngwithJONNELLAI NVESTI MENTSLTD.
Ther eportalsor evealsthedut iesandresponsi
bil
i
tiesIwasassignedto,chall
enges,
l
essonsl earntf r
om t heor ganizati
on,
conclusi
onandr ecommendat i
ontothe
organizati
onandt hei nsti
tute.

1.1Theobjectivesoft hei nternship

Toprovideanoppor tunityf orstudentconv erttheappl
icableprinci
plesandtechniques
theor
eti
call
ylearnttor eallifeskil
lsrelevantsolvi
ngsit
uationpr obl
ems.
 Toacqui reknowl edgeofdeal i
ngwi thteam ofpeoplef r
om diff
erentbackground
wit
hdifferentintell
ect .
 Todev elopst udentunder standingofwor kethi
cs,responsibi
lit
y,employment
demandandoppor tuni t
y.
 Togetexposedt ot hewor ki
ngenv ir
onmentl i
kesof twaremanagement ,making
workplanandexecut ingthem t oproducedesirabl
er esult
s

1.2Scopeoft hei nternship

TheScopeoft hei nternshiptarget satpr ovi
dinganopportunit
yf ortheint
erneetogain
practi
calexperi
ence, knowl edgeandski l
lsthroughpersonalhandsonpar tici
pati
onin
acti
v i
ti
escarri
edoutbyt heor ganiz ation.Whileattheoffi
ce,Iwasexposedt o
performingseveral t
asksi ncludingsensi ti
zat
ionoftheyouth,register
ingcli
entsgroups
whichappliedforloans, vetti
ngt hecl ientsthroughapprai
singthem byengagi ngtheLCs,
carryi
ngoutdisbur sement s,moni toringcl i
entsthr
oughhomev i
sits,r
ecoveryofmoney
fr
om nonepay ingcl i
ents,par ti
cipationi nbranchmeeting.

1.3Durationoftheint
er nship
Thedur at
ionoftheint
er nshipwasforaperiodoftwomonthsofJulyandAugust2021.
Throughoutthisper
iod, Imanagedtoengageev eryst
akeholderwhom Ithoughtt
oe
rel
evanttowardsprovidingmewi t
hr el
evantski
ll
sandexperi
ence.Thi
sgav emea
chanceofpar t
ici
pati
ngi nalmosteverydepart
mentandperformedseveralacti
vi
ti
es
thatwidenedmyknowl edgeofcli
enthandli
ng,sit
uati
onanal
y si
sandmanagementand
deali
ngwi thpeopl
eofdi ffer
enti
ntel
lectandmindset

1
1.4Backgr oundoft heor ganization.
JONELLAI NVESTI MENTSLTDwasr egisteredasasoci alEnt er
priselimitedby
guaranteeandst artedit
soper ati
oninpr ov i
di ngfinancialsandsoci aldevelopment
servi
cesi nUgandai n2014wi thitsheadof ficeslocat edinNansanaatZAMZAM
compl exLev el2r oom 10,11and12.
JONELLAI NVESTI MENTSLTDhasf ivebr anchesi nfourdi str
ictsofUgandai ncluding
nansanabr anch, luwerobr anch, kayungabr anch,mukonoandnaki wogobr anchandt wo
fi
eldof f
icesthroughwhi chitscl i
entsaccesst heser vi
ces.I thasgr eatl
ychangedl ives
ofpeopl eespecial l
ythey outhi nitsareasofoper at i
ont hroughpr ov i
dinglowi nterest
businessst artupl oansandot herinputst ost artbusinessv entures.Theor ganization
al
sopr ov i
descounsel i
ngandf inanciall
iteracyser v i
cest oensur et hatit
sclienthav e
suffi
cientknowl edget ouset hel oanpr oduct ivel
y.

1.4.
1Vision.
Toachieveasustainabl
esoci
al-
economi
cdev
elopmentt
huser
adi
cat
epov
ert
yamong
theyouthin5ganda.

1.4.
2Mission.
Economicall
yacti
vepersonsareempower
edwi
thaf
for
dabl
efi
nanci
alsuppor
tto
promotehighstandar
dsofliv
ing.

1.
4.3Objectiv
esoftheOr ganization
Toensurethatmajori
tyofthey out hinar easofouroper ati
onaresupportedtohave
i
ncomegener ati
ngacti
vit
ies.
 Toi mpr oveonthest andardsofl i
v ingpeopleespeciall
ytheyouth
 Tor educeonpov ertyrelatedv i
olenceamongt heyouthinal
lareasofour
operati
on.
 Topr omotefi
nancial l
i
teracyknowl edgeamongstt hey out
hsucht hatt
heyare
enabledtomakeef fecti
vef inancial deci
sions.

1.
4.4Descr
ipt
ionoft
heser
vicesof
fer
edbyt
heagency

Pr
ogr
ams

FinancialLit
er acyServiceProgram
Thi sprogram carriedouteveryweekthroughcommuni t
ymeet i
ngatt heLCl ev el
inal l
areasofoper ati
onoft heorgani
zati
onandi sai
medatempower i
ngt hecommuni tywi th
relevantfi
nanci alknowledgetohelpthemakei ndependentfi
nancialdecisions.Thr ough
thesemeet i
ngst heEconomi cal
lyActi
vePersons( EAP)ar eequippedwi threcord
keepingski l
ls,savingskil
ls,
loanmanagementski l
ls(usi
ngbor r
owedcapi t
al),business
l
eader shipskill
set cwhicharebusinessgrowthanddev elopmentenablingf actor.

2
Objecti
ves
Toimpr oveonf inancemanagementknowl edgeamongstt hepeopl
eespecial
l
ythe
youth
 Todev elopnewandi mproveontheexi
stingeconomicacti
viti
es.
 Toi ncreasey outhproducti
vi
ty.
 Toi mpr oveont hestandardsofli
vi
ngofthecommuni tyespecial
l
yamongthe
youth.
 Toassesst hel
evelofperformanceoftheborrowedcapi
taltowards
development .

Benef
ici
ari
es
All
theyout
hinar
easofoperat
ionoftheorgani
zat
ionbenef
itdi
rect
lywher
eas
communiti
esi
nthesepl
acesbenefi
tindi
rect
ly.

Borrowedcapi t
al/loansser vi
ces.
Aftertrai
ningoft hecommuni ty,peopleform groupsatav i
ll
agel ev
el andregist
erwith
theor gani
zation.Theor gani
zati
onsbyuseoft hecr editoff
icercarr
iesoutappr ai
salof
thegr oupsthatgav eappliedforloanrecogni
tiont oestabli
sht heaffordabil
i
tyandloan
purposeofev erygroupmember .Aft
erappraisalthev ett
edmemberar econsider
edfor
disbursementdependi ngonamountr ecommendedbyt hegroupmember sandthe
creditoffi
cers’analysi
s.

Objectives
 Toempowery outhwithstart
ingandbusinessgrowt
hcapi
tal
tosustainabl
yrun
theirent
erpr
ise.
 Topr ovi
debusinessenablingequipment
ssuchasmot or
cycl
es,
tri
-cycleto
enabletheyoutheffect
ivel
ydev el
opthei
rventur
es.

Formsofbenefi
ts
Youthar
egivenfi
nanci
alsuppor
tinf
ormsofcashoranyotherbusinessenabl
ing
equi
pmentasappli
edforbytheappl
icantandr
ecommendedbyt hecredi
toffi
cer
.

Benef
ici
ari
es
Al
lyouthbenef
itdi
rect
lyandt
hecommuni
ti
esbenef
iti
ndi
rect
ly.

3
 1.
5Organi
zat
ionSt
ruct
ure.
Theor
gani
zat
ionst
ruct
ureofJONNELLAI
NVESTI
MENTLTDi
sil
l
ust
rat
edbel
ow

BOARDOF
DI
RECORS

CHI
EFEXECUTI
VEOFFI
CER

HEADOFCREDI
T BUSI
NESDEVELOPMENT CHIEF
MANAGER ACCOUNTANT

BRANCH
MANAGER

CREDIT ACCOUNTANT
SUPERVISORS

CREDI
T DEBT BUSI
NESDEVEOPMENT TELLERS
OFFI
CERS COLLECTORS TEAM
4
CHAPTERTWO

2.
0STUDENT’
SEXPERI
ENCE
2.
1Obj
ect
ivesoft
heact
ivi
ti
es
Tocov er
ttheoret
ical
knowledgeobtainedfrom t
heinsti
tut
ei nt
opr acti
calski
l
ls
rel
evantinperf
ormingtasksatthewor kplaceandsolv
ingsit
uati
onpr obl
ems.
 Toacquireskil
lsandexperi
enceofhandl i
ngpeopleofdif
ferentatt
it
ude,
backgroundandmi ndset
.
 Toknowhowt ostartandsustainabl
ydevelopmyenterpr
ise.

2.
2Descr
ipt
ionofact
ivi
ti
es
Thi
sisthedescr
iptionofhowIpract
ical
lypar
ti
cipat
edinperfor
mi ngt
he
menti
onedacti
vi
tieswhichenabledmegainfi
rsthandpract
icalexper
ienceand
ski
l
lsthatar
erel
ev anti
ntoday’
schangingworl
d.

2.3Rol
espl ay edbyt hest udent
Iwasabletoper form sev eralacti
v i
ti
eswhi chi ncludedbutnotl imitedtothefol
lowi
ng:
 Sensitizingt hecommuni t
yf orthefinancel i
teracytrai
ningwor kshop.
 Organi zingt hev enuef orthewor kshopt obecol orf
ul.
 Register i
nggr oupsofpeopl ewhowi shedt ojointheorganizati
on.
 Coll
ect ingr elevantdat aregardingthef inanceappl i
cant
 Present ationoft hedat atot hecreditcommi ttee
 Prepar ingal ldisbursementdocumentoft heappr ovedcli
ent.
 Moni tor i
ngt hedi sbursedclienttoest ablisht heperformanceoft heborr
owed
5
 capit
al.
 Tracki
ngcl
i
ent
sthatdonotpayi
nti
meandensur
ethatt
heamountduei
srepai
d

2.
4Depar
tmentofat
tachmenti
ntheor
gani
zat
ionandi
tsdut
ies

2.
4.1Gener
alof
fi
cewor
k
Iwasf ir
stassi gnedt operform dai
lyresponsi
bil
it
yanddut i
esofof
ficeworkli
ke
arrangement s, t
yping,pr
inti
ngandphot ocopy
ingoffi
cedocumentsforusein
officeandinf iel
dt hi
sgreat l
yimprovedmycomput erski
l
ls,of
fi
cemanagement ,
andr ecordkeepi ng.
Iwasl aterattachedt ocreditdepart
mentwhi chhadt hef
oll
owingduti
esand
responsibil
it
y;
 Disseminati
ngf i
nancialli
teracyknowledgetothecommuni ty,
 Ensuri
ngt hateconomi cal
lyactivepersonsareempower edfi
nanci
all
ytost
artand
growtheirenterpr
ises.
 Ensuri
ngt hatborr
owedcapi tali
seffecti
vel
yandeffi
cientl
yusedformaxi
mum
product
ion.
 Toensur ethattheloansar erepaidont i
me.
2.
4.2Fi
nanci
all
it
eracyTr
aini
ngwor
kshops
Ipart
ici
pateddi
rect
lyi
ntothesewor
kshopswhichtookpl
acei
nvari
ouslocat
ions.
Thishel
pedgainknowledgeofhowtoorgani
zeasuccessf
ulwor
kshop,
communi cat
ewithpeopl
eandansweri
ngquestions.

2.
4.3Appr
aisi
ngandv
ett
ingcl
ient
sforf
inanci
alr
ecogni
ti
on.
Iwor kedwithcredi
tofficersinperf
ormingthistaskwhi chenabledmet oget
skil
lsofcollect
ingr
elev antinfor
mationregardi
ngapplicantfrom thecommuni t
y
andt heirl
ocall
eaders.Whi l
esomepeopl ewerenotwi l
lingt
ogi veinformation,
creditoffi
cesusedsev eraltri
cksandtechniquestogett herequir
edi nfor
mat i
on.
Thist r
emendouslygav emeconf i
denceofappr oachi
ngpeopl eincludinglocal
l
eader s.

2.
4.4Cr
edi
tmeet
ing.
Whil
einthesemeet ings,credi
toffi
cerpresentedtothecommi tt
eethecoll
ect
ed
i
nfor
mationr egardingfinanceappli
cantandhi s/herrecommendat i
on.The
committ
eet hereforeappr ovedtheamountt obedi sbursedtotheappli
cant
basi
ngont hepr esentedinformati
on.Thiswi denedmypr esent
ati
onskil
lsand
managi
ngquest i
onst odef endmyopi ni
on.
2.
5Ther
olespl
ayedbyt
hesuper
visor
.
Myfiel
dsupervi
sorMr.Ky
ebatal
aJohnsuperv
isedmeonadai l
ybasisthr
oughregul
ar
i
nter
v i
ewassessment
s.Thishel
pedmeingraspingknowl
edgethatIhadgai
ned
t
hroughoutt
hatday.

6
2.
6Ther ol
espl
ayedbyt heinstit
utesuper visor
MyInst
it
uti
onsuperv
isorMr s.Namal eAl i
cev i
sit
edmeoncet hr
oughoutmyperi
odof
i
nter
nshi
p.Shevi
sit
edmydai lyacti
vit
ieslogbook, t
heorgani zati
ondail
yatt
endance
bookandhadanalmost30mi nutes’discussionwit
hmyf ieldsupervi
sor.
Shegui
dedmeinmaki ngfieldattachmentr eportwhichhelpedmei ncompili
ngthis
i
nter
nshi
prepor
t.

2.
7Chal
lenges

2.7.
1Chal lengesfacedbyt hei nternee.
Thesecanbecl assif
iedaspr act i
cal,
technical
,fi
nancial,
socialandmor alinnat ur
e.
 Unwi l
li
ngnessoft hepeopl einthecommuni t
iestodeliverinfor mationand
participateinthewor kshopsomet imesmadeusnotachi ev et heant i
cipated
target .
 Iwasf acedwi ththepr obl em ofweat herchangesasi twoul dsomet i
mesbeal ot
ofdustaswel lduri
ngheav ysunshineandt her ai
nyseasonmaki ngr oads
sli
pper y
 Unr eli
ablepowersuppl ychal l
engedmei nproducti
onoft hisr eport.
 Lackofmeal sandr ef r
eshment swhileexecut i
ngtasks.
 Languagebar ri
erassomecl i
entwerespeaki ngdiff
erentlanguagesmaki ngit
diffi
cul tt
ocommuni cateef f
ecti
vely.
 Inadequat ef undsforaccommodat i
onandt ransportdur i
ngint ernship

2.
7.2Problemsf acedbyt heOr ganizati
on
 Di ff
icul
tyinaccessi ngsomehar dtoreachplacesinvi
llagesduetopoorr oads.
 Somecommuni ti
eshav ebiasedwi thbankingandpreferkeepingtheirmoneyi n
thei
rhousest husmaki ngithar dforust oaccesscompanyser vi
ces.
 Spar sel
ypopul atedar easmadei tdiffi
cul
ttoreachmanypeopl easi ntended
 Lackofcommuni cati
onmedi ainv il
l
agesmakei thar
df orthecompanyt ocarry
outtimelysensiti
zat i
on.
 Somecl i
enthav eament al
it
yt hatthebor r
owedcapit
al isagrantt
husdef aul
ti
ng
duepay mentst ot hecompany .
 Languagebar ri
ersmakecommuni cati
onhardtooffi
cersthusdelayingser vi
ce
deli
very
.

2.
7.3Remediest oovercomet hechallengesment i
onedabov e.
 Thecompanyshoul dhi
relocalpeoplethatcanspeakl ocall
anguagestospeed
upser v
icedeliv
ery.
 Thecompanyshoul dstr
engthenitscredi
tanddev elopmentteamst o
sati
sfactorysensi
tizethecommuni t
iesandel iminateallmyt
hsattachedtoit
s
serv
ices.
 Businessdev el
opmentshoul dbemadeaf ulldepartmentatthebranchlev
eland
begiveni t
sbudgett oeffect
ivel
ysensiti
zet hepubl i
c.
7
 S
 Thecompanyshoul
dengagl ocal
CBO ( communi t
ybasedorgani
zati
on)t
ohave
properbaseont
hegrassr
oots.
 Thecompanyshoul
dsetupsat el
li
teoff
icesnearthecl
ient
storeduceonthe
di
stancesmovedbyt
heclienttoreacht
heof f
ices.

CHAPTERTHREE
3.
1NewSki l
lsAcqui r
ed.
 Communi cati
onski l
ls
 I
nterpersonalskill
s
 Mobili
zat i
onskill
s
 ReportingandAccount abi
l
itySkil
ls.
 Communi tysensit
izati
onandeducat ingski
ll
 Deci
sionmaki ngskill
s
 Monitor i
ngskill
s
 Communi tymanagementski l
l
slikehandli
ngcommunit
ymeet i
ng.
 Publ
icspeaki ngandcommuni t
yskill
ssuchasnegot
iat
ions.
 Ti
memanagementski ll
s.

3.
2Otherl essonslearnt.
Thef
ollowingar et
heot herl
essonslear
ntfr
om myi nter
nshipattachment.
 Il earnthowt osolvecli
ent
’squeri
esandproblemsinaf ri
endlymannerwit
hout
hurting.
 Iwasal soablet ol
earnhowt ohandl
erudeclient
swhoset emperi
shighandthey
alsoneedt obehandl edwit
hcaresothattheyunderstandwellandbuycompany
services.
8
  Il
earnttoworkinat eam anduunder stoodt hepowerofhav i
ngteam buil
ding
act
ivi
ti
es.
 Il
earnthowtointeractwithdifferentstakeholderstogetrel
evantinf
ormation
 Il
earntbanki
ngcomput ersystemsandot hercomput erappl
icat
ionsthatwidened
mycomput erknowledge.
 Il
earnttoberesi
stanttopr essureandenv i
ronmentwhi l
eexecutingt
asksfor
someday swecouldbehi tbysunshi neandheav yrainf
all
.
 Il
earnthowtosetachi evabletargetsandhowt oevaluateperf
ormance.
 Il
earnthowtoprepar ereports.

3.
3Obser vationsf rom act ivi
ti
esunder taken
Thefoll
owi ngobser vationsar erel
ev antt obenot icedbythei nt
erneesandt he
organi
zati
onf orf ut
ur epr osperi
ty
 Internshiphel pedmet of avorablymat chandf i
tinthewor ki
ngenv ir
onment .
 Italsohel psst udentt oconv erttheor eti
calknowledgegainedi nt
opr acti
calskil
l
s
thatar eappl i
cabl eInt hetoday ’sdy namicwor l
d
 Interneesar eadv isednott of eel cheatedbyt heorganizat
ionbutr eali
zethatthey
benef i
tmor ebyget ti
ngunpai df orexper i
encethatwi l
lhel
pt hem forfutur
e
gener ati
ons.Thi sshal lenablet hem t obesel fmotivat
edandexecut eservi
ces
withExcel lency .

CHAPTERFOUR.
I
ntr
oduct
ion.
Thi
schapt
erdescr
ibest
heor
iest
hatar
erel
evantt
omoneyl
endi
ngi
nmi
crof
inanceandbanks.

Creditcr
eati
ont heor
y,t
hist
heorysayst
hatbankandmi crofi
nanceinsti
tut
ionsmakeloansby
creat
ingdeposi
tsessenti
all
yexpandi
ngthei
rbalancesheetonbothsidesbyt hesameamount.
Thebor r
oweralsoexpandshisbal
ancesheett
hel oanamountbeinghisli
abil
ityandt
hedeposi
t
beinghisasset
.

Debtint
ermedi
ationt
heory,t
histheor
ysaysthatbankmakeloansbyr
eser
vesthatareal
ready
hol
dingessent
ial
l
yswappingoneassetforanother
,theser
eserv
eshavi
ngprev
iousl
ybeen
obt
ainedbysomeone’sdeposit
.

Fracti
onalreser
vetheory,t
hist
heor
ysaysthati
ndi
vi
dualbanksmakel
oanbyl
endi
ngreser
ves
butthatthebankingsyst
em asawholecananddoescreat
emoney,upt
oamulti
pleofr
eserv
e
holdi
ng.

Loancommitmentt
heory,thi
sisconcernedwiththeagreementbywhichabankpromi sesto
l
endacustomerataspecif
iedter
mswhi leret
aini
ngtherightt
orenegeonitspromisesift
he
borr
ower
’scr
edit
wort
hinessdeter
ior
ates.Thiscontr
actalsospeci
fi
esthevari
ousfeesthat

9
mustbepai
dbyt
hecust
omerwi
thi
nthel
oanper
iod.

Creditri
sktheory
,thi
stheor
ystat
esthatever
yloandi
sbur
sedinv
olvesariskofdef
aul
tona
debtthatmayar i
sewhentheborr
owerfail
stomakeregul
art
imelypayment.Thi
ssuggestt
hat
banksandmi crofi
nanceshoul
dprov
ideforthi
sloanr
iskt
oremainunaffectedwhensuch
defaultoccur
.

CHAPTERFI
VE:
5.
1performanceoft heor ganizati
oninstudent’
sopi nion
Accor
dingt othemyopi ni
on,
 Thecompanyhast r
iedtodev el
opt heeconomi call
yactiv
epersonsbutaloti
s
stil
lrequiredinsensiti
zationofthepubli
ctoi mpr oveontheawarenessofthe
peopl eaboutt hecompanyser v
ices.
 Fiel
dof ficershouldbegi venstr
ongmot orcyclest oenabl
ethereachhar
dt o
reachpl aceswi t
hease.

5.
2Areasf orimpr ovementfortheagency
Thecompanyshoul dimproveont hewelfar esuchaspr ovidingmeal stooff
icer
st o
moti
vatethem wor kwi t
heff
ortsandv igorf orthemov el ongdi stances.
 Iwoul drecommendt hecompanyt obuysuf f
ici
entr i
dinggear stofi
eldoff
icerst
o
avoidaccidentsanddanger ousef fectsofwi ndthatt heygot hroughwhil
e
runningtoandf r
om f
iel
donadai lybasis.
 Thecompanyshoul dbuyt ablet
st oitsof f
icerstomi nimi zeont i
metakenin
manual recordingofi
nformationandt henf eeditincomput ers.

10
5.3Recommendat i
onforf
utureprosperi
ty
Thought hecompanyisprosperousandisdevel
opingatasteadypace,Iwould
recommendi ttoconsi
derrecr
uiti
ngemployeeslocal
lywhoarewellconver
santwit
hthe
l
ocallanguagesandknowdy nami coft
heplaceswheretheyaresensi
ti
zingtoavoi
d
confl
ictofint
erest
.

5.3Concl usi
on
Thei nternshiptr
ainingwasv erybenefici
alforitpr
ovidedtheplatf
orm unt
owhi cht
he
theoreticalknowledgel ear
ntattheinstit
utewasputi ntopracti
ce.Thi
sgreat
lygaveme
anoppor tuni
tytogai nrel
evantskil
lsandexper i
ence,knowledgeandexposure.Thi
shas
helpedmet odetermineandr eal
izemyabi l
ityofworkingwithotherpeopl
einthe
organizationhencef itt
ingmet operfor
m sev er
al t
askssuccessfull
y.

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on,
T“ moneyandassetpr
ices”Mont
hlyEconomicRev
iew,Lombar
d.
2.Fi
sher
,1,
(1911)pur
chasi
ngpowerofmoney .London,
Macmill
an.
3.Congdon, T.(2004a)‘Moneyandassetpr i
ces’,Mont hl
yEconomi cReview, Lombar d
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ew, Lombar
d
StreetResear ch,July
/August .
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London: I
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ont o
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eberger,C.P.(1978)Manias,Pani
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12