THE ROLE OF CREDIT MANAGEMENT ON FINANCIAL PERFORMANCE
Abstract
This section covers the background of the study, statement of the problem, purpose of the study, research objective, research questions, and the scope of the study and the significance of the study.
In the whole world commercial bank is financial institution which accepts deposits, makes business loans, and offers related services (Fernando 2006). Commercial banks also allow for a variety of deposit accounts, such as checking, savings, and time deposit These institutions are run to make a profit and owned by a group of individuals, yet some may be members of the Federal Reserve System. While according to Home (2007) commercial banks offer services to individuals, they are primarily concerned with receiving deposits and lending to businesses
Downloads
References
Banking Report (2010)’Getting Banks to Loan Again the Banker’s Management of July 2012, publication of the financial Times Ltd. London.
Basel Committee on Banking Supervision (2001).Risk Management Practices and Regulatory Capital: Cross Sectional Comparison (available at www.bis.org).
Boahene, S.H Dasah, J and Agyei S.K (2012).‘’Credit risk profitability of selected banks in Ghana’’ Research journal of financial and accounting.
Epure, M. and Lafuente, I (2013).Monitoring Bank Performance in the Presence of Risk, Barcelona GSE Working Paper Series No, 61.
Felix, A.T and Claudine, T.N (2008). Bank Performance and credit Risk Management,
Unpublished Masters Dissertation in financial, University of Skovde.
Fredrick O. (2010), ‘’the impact of credit risk management on financial performance of commercial banks in Kenya.’’DBA African Management Reviews.
Gudara, A. Lai, V. S. and Soumare (2010), ‘’performance risk and capital buffer Under Business Cycles and Banking Regulation: evidence from Canadian Banking Sector’’ .Centre for research of Financial markets Policy.
Gudmudssoa, R. Ngoka-Kisingul, K. and Odongo M. T (2013), ‘’The role of capital requirement on bank competition and satility: the Case of Kenyan Banking Industry’’ Centre for Reseach on Financial Markets and Policy.
Gujarati, D N. (2004), ‘’Basic Econometics’’ 4th Edition, Taxa McGraw-Hill Publishing Company Limited.
Hosna, A. Manzura, B and Juanjuan S. (2009), ‘’Credit risk management and profitability Jackson O. (2011), ‘’The impact of credit risk management on financial performance commercial banks in Kenya’’ .University of Nairobi.
Kargi, H. S. (2011), ‘’Credit risk and the performance of Nigeria banks’’ Ahmadu Bello University Zaria.
Kinthinji, A. m. (2010), ‘’ ’Credit risk management and profitability of commercial banks in Kenya’’.
Kolapo, T. F. Ayeni R. K. and Oke, O. (2012), ’Credit risk and the management and Bnaks performance’’ Austalian journal of Business and Management Research.
Liuqi (2007), ‘’Determinants of Banks profitability and its implication on Risk management practices: panel Evidence from the UK’’. University of Nothinham.
Muhammed et al (2012), ‘’Credit risk and performance of Nigerian banks’’ interdisciplinary journal of contemporary research in business.
Musyoki, D and Kadubo, A. S. (2011), ‘’The impact of credit risk management on the financial performance in Kenya’’. International Journal of Business and Public Management.
Naceur, S. B. and Kandil, M. (2006) ‘’The impact of capital requirement on banks costs of intermediation and performance’’ IMF working paper.
Oladejo, M.O and Oladipupo, A. U. (2011), ‘’Credit requirement and performance of Negerian bank: Need for review’’ Journal of emerging trents in Econmics and Management Sciences.
Olusemore, G.A. (2009), ‘’Lending Principles and Practice. End edition Nesbet Nigeria Limited
Onaolapo, A.R. (2012), ‘’Analysis of credit risk management efficiency in Nigeria commercial banking sector’’ for East journal of Marketing and Management.
Poudel, P.P.S. (2012), ‘’The impact of credit risk management in financial performance of commercial banks in Nepal’’ .International Journal of acts and commerce.
Ravindra Y, Vyasi R.K. and Manmeet S. (2008), ‘’The impact of capital adequacy reqirements on performance of scheduled commercial banks’’ Asian-pacific Business review.
Copyright (c) 2022 IJRDO - Journal of Social Science and Humanities Research (ISSN: 2456-2971)
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
Author(s) and co-author(s) jointly and severally represent and warrant that the Article is original with the author(s) and does not infringe any copyright or violate any other right of any third parties, and that the Article has not been published elsewhere. Author(s) agree to the terms that the IJRDO Journal will have the full right to remove the published article on any misconduct found in the published article.
