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Credit risk management system of a commercial bank in Tanzania

Author

Listed:
  • Evelyn Richard
  • Marcellina Chijoriga
  • Erasmus Kaijage
  • Christer Peterson
  • Hakan Bohman

Abstract

Purpose - The purpose of this paper is to develop a conceptual model to be used further in understanding credit risk management (CRM) system of commercial banks (CBs) in an economy with less developed financial sector. Design/methodology/approach - The paper reviews existing literature that consists mostly evidence from developed countries. A study model is proposed with amendment to fit Tanzania's environment. This is achieved through the use of both secondary (various relevant documents) and primary (interviews) information from a CB and key management officials dealing with credit management. The selected CB is active in lending, has both foreign and local characteristics in its operations and has been in operation for a relatively longer period. Findings - The main finding of this paper is that the components of CRM system differ in CBs operating in a less developed economy from those in a developed economy. This implies that the environment within which the bank operates is an important consideration for a CRM system to be successful. Originality/value - Tanzania, a less developed economy, provides an excellent case for studying how CBs operating in economies with less developed financial sector manage their credit risk. The paper identifies issues to be studied further in order to establish a CRM system by CBs operating in Tanzania.

Suggested Citation

  • Evelyn Richard & Marcellina Chijoriga & Erasmus Kaijage & Christer Peterson & Hakan Bohman, 2008. "Credit risk management system of a commercial bank in Tanzania," International Journal of Emerging Markets, Emerald Group Publishing Limited, vol. 3(3), pages 323-332, July.
    • Handle: RePEc:eme:ijoemp:17468800810883729
    DOI: 10.1108/17468800810883729
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    Citations

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    Cited by:

    1. Rahil Salim AL-Nabhani & Rusl Khamis AL- Alwi & Saja Samir AL-Zadjali & Dr. Nuzhat Sadriwala, 2024. "Relationship Between Credit Management and Financial Performance of Listed Banks in Oman," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 8(2), pages 1809-1827, February.
    2. Mehmood, Asad & De Luca, Francesco, 2023. "How does non-interest income affect bank credit risk? Evidence before and during the COVID-19 pandemic," Finance Research Letters, Elsevier, vol. 53(C).
    3. Muhammad Rahat Abbas & Barkat Ullah, 2023. "The Impact of Credit and Liquidity Risk on Bank Performance," Bulletin of Business and Economics (BBE), Research Foundation for Humanity (RFH), vol. 12(4), pages 205-218.
    4. J. H. A. Аbu-Аlrop & I. A. Kokh, 2020. "Impact of Credit Risk on the Performance of Russian Commercial Banks," Journal of Applied Economic Research, Graduate School of Economics and Management, Ural Federal University, vol. 19(1), pages 5-18.
    5. Edward Mashaka Makono & Crispin John Mbogo, 2023. "Effectiveness of Credit Risk Management Programs in Commercial Banks in Tanzania," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 7(3), pages 495-504, March.

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