IMPACT OF EFFECTIVE CREDIT APPRAISAL ON THE PORTIFOLIO PERFORMANCE OF MICRO FINANCE INSTITUTIONS A CASE STUDY OF EXODUS SAVINGS AND CREDIT COOPERATIVE SOCIETY LIMITED NAGURU BY NDUGWA MOSES SSERUNJOGI A RESEARCH REPORT SUBMITTED TO THE DEPARTMENTOF ECONOMICS AND STATISTICS IN PARTIAL FULLFILMENT OF REQUIREMENTS FOR THE AWARD OF BACHELOR’S DEGREE OF MICRO FINANCE OF KYAMBOGO UNIVERSITY NOVEMBER 2016