What factors are likely to influence the ability of a business to repay the amount of loan borrowed and to pay interest at due dates?
The repayment period
If the borrower is given a large sufficient period to repay the loan, he or she will have adequate time to have utilize the money for the planned aim. Therefore, the larger grace period the borrower is given, the more he is likely to repay the loans in due dates because he adequate time to implement the money which will in turn give the implemented money adequate time to have generated profit.
The amount loaned
If the loan borrower gets the right amount he needs for the intended purpose, he will have managed the money wisely. If the borrower gets more money than the intended purpose, this means some money will be idle, that is not useful, but which will still be enforced interest upon. On the contrary, if the borrower takes inadequate money for the planned purpose, it will generate profit later than would be if he had the correct amount thus negatively affecting the due date to pay the loan.
The repute of the loan
In cases where the borrower has borrowed money for subsequent times, it implies that he has gained adequate information on the protocols of the bank thus applying the money competently for the planned aim.
Form of payout
If the borrower gets the loan in form of cash amount, he could direct the loan to other uses other than the intended aim and thus would have adverse effects on the due date for the paying.
Gender
Some researchers have argued that females consider themselves to have more accountabilities than their male counterparts and record immaculate repayment habits.
Family size
In cases whereby the borrower has a big family, substantial returns of the profit got from the purpose of the loan could be used to settle the household needs instead of repaying the loan.

Level of education
Literate people have sufficient knowledge to implement the loan effectively compared to illiterate people. It is pegged that literate people can adopt themselves to changing circumstances compared to illiterate people.
Age bracket
People in their young lives are in the prime of their careers and there could be possibilities of huge returns from their careers. Also, the income growth rate is at its peak during the early life of earning and its begins to lessen with increase in the age. On the contrary, older people have a lot of experience in life and business environment compared to young people thus they could meet the deadline of loan repayment.
References
Gebeyehu Abreham (2002). Loan repayment and its determinants in Small scale enterprises financing in Ethiopia. Retrieved on 3rd October 3, 2011 from http://etd.aau.edu.et/dspace/bitstream/123456789/985/1/Abreham%20Gebeyehu.pdf