An insufficient financial market means that poor individuals cannot access financial capital, making it difficult for them to generate a stable income. Formal banks see these individuals as unreliable customers because of their financial background and see a risk that these potential customers will not repay their loans, which would put the bank at risk. Banks usually use the borrower’s assets as collateral for their loans. Unfortunately, not many of these poor people have any assets. Microloans can solve these problems by opening up the opportunity for financial capital that enables poor people to make the investments needed to create or develop some form of production and thus increase employment. This research was carried out to analyze if the collected variables can determine the repayment ability of those who got a microloan from the Amhara Credit and Savings institution. Since the borrowers received their loans through two different processes, this study divided the data into two groups. Group 1 received their microloan based on a personality test and the individuals in group 2 received their microloan based on group lending. This division is done in order to be able to eliminate that the lending process itself may have affected the repayment ability. This study is based on random sample data from the Amhara Credit and Savings institution. Regression analyses were performed using the STATA-15 software. The results are not entirely consistent with previous studies because some variables did not get the expected outcome linked similar to previous studies. Some of the variables in this study appear to have an effect on the repayment ability, but not all. Thus, the conclusion is that the results are insufficient and further research needs to be made to reject or confirm the influence of the socio-economic factors and structure of the microloan on the repayment ability for Ethiopian borrowers. / En otillräcklig finansmarknad innebär att fattiga individer inte kan få tillgång till finansiellt kapital vilket gör det svårt för dem att generera en stabil inkomst. Formella banker ser dessa individer som opålitliga kunder på grund av deras ekonomiska bakgrund och ser en risk med att dessa potentiella kunder inte kommer att återbetala sina lån, vilket skulle sätta banken i risk. Banker använder vanligtvis låntagarens tillgångar som säkerhet för sina lån. Tyvärr så har inte många av dessa fattiga människor några tillgångar. Mikrolån kan lösa dessa problem genom att öppna upp möjligheten för finansiellt kapital som gör det möjligt för fattiga människor att göra de investeringar som behövs för att skapa eller utveckla någon form av produktion och därmed öka sysselsättningen. Denna forskning genomfördes för att analysera om våra insamlade variabler kan förklara återbetalningsförmågan hos de som fick ett mikrolån från Amhara Credit and Savings Institution. Eftersom låntagarna fick lån genom två olika processer delade vi upp dem i grupp ett, som fick sitt mikrolån genom ett personlighetstest och grupp två, som fick sitt mikrolån via en grupp med andra individer. Detta för att kunna eliminera att själva processen till hur de har fått lånet kan ha påverkat återbetalningsförmågan. Studien är baserad på slumpmässiga provdata från Amhara Credit and Savings Institution. Regressionsanalyser utfördes med användning av Stata 15-programvaran. Resultaten är inte helt i överensstämmelse med tidigare studier, i och med att vissa variabler inte har det förväntade utfallet kopplat till tidigare studier. Några av variablerna i denna studie visar sig ha en påverkan på återbetalningsförmågan, men inte alla. Således är vår slutsats att resultaten är otillräckliga och behöver ytterligare undersökning för att kunna avvisa eller bekräfta denna uppsats variablers påverkan på återbetalningsförmågan.

Mental toughness is accepted to be an important component of sporting performance, especially so in the domain of cricket. It has been called many names, such as Big Match Temperament, bottle, and mettle and it is widely believed that it plays a role in how successful a cricketer may be, although very difficult to define and explain. James Loehr described it as one’s ability to consistently perform to the upper limit of your talent and skill and numerous researchers have since tried to define the construct based on more empirical research. This research project consists of three articles on mental toughness. The first focuses on the consideration of extra-personal influences on the development and implementation of mental toughness programmes. The second focuses on examining the psychometric properties of the paper-and-pencil versions of the Sports Mental Toughness Questionnaire (SMTQ) and the Psychological Performance Inventory-Alternative (PPI-A). The third examines the differences in the demographic characteristics of a sample of cricketers on the online versions of the SMTQ and the PPI-A. The results suggest that extra-personal influences are exceptionally important in the development and implementation of mental toughness programmes for school level cricketers, especially motivational climate and social support. While the PPI-A and the SMTQ displayed some promising psychometric properties in the current study, researchers should apply these mental toughness inventories with circumspection, taking into account questions regarding dimensionality, item formulation and variation in sample characteristics (e.g., age and sporting code), until more research can be conducted using these inventories with larger and more varied samples and the understanding of the mental toughness construct improves. The examination of the demographic differences on scores of the SMTQ and PPI-A revealed inconclusive results on age, sex, and ethnicity, while competitive level was the only distinguishing characteristic in which respondents at high levels produced higher mental toughness scores. The three studies comprising this “by articles” format PHD dissertation will be referred to as Article 1, Article 2, and Article 3 and can be found in Chapters, 2, 3, and 4 respectively. / Psychology / D.Phil. (Psychology)