IDEAS home Printed from https://ideas.repec.org/a/nap/nijbmr/2018p84-89.html
   My bibliography  Save this article

Credit Risk Management Practices at the Branch Level of a Rural Bank

Author

Listed:
  • Charles Adusei

    (Department of Accounting and Finance, Faculty of Business Studies, Garden City University College, Kumasi, Ghana)

Abstract

Businesses demand credit that will be used to reinvest in their business and for which they expect to earn a return. At the same time lenders supply credit to earn a return when these companies borrow. This process of extending credit has a multiplier effect on the money supply so this is why credit is a powerful driver of any economy. The aim of the study was to examine credit risk management practices of Asante Akyem Rural Bank. The data collection was gathered through questionnaires while the bank and the staff were selected purposively. Descriptive statistics and Kendall’s Coefficient of Concordance were used to analyze the data. The result indicates the availability of credit policy, financial analysis of the borrower and poor management skills of clients affected effective credit risk management. The paper suggests that the management of the bank must review their credit policies from time to time to reflect the changing business environment.

Suggested Citation

  • Charles Adusei, 2018. "Credit Risk Management Practices at the Branch Level of a Rural Bank," Noble International Journal of Business and Management Research, Noble Academic Publsiher, vol. 2(10), pages 84-89, October.
    • Handle: RePEc:nap:nijbmr:2018:p:84-89
    as

    Download full text from publisher

    File URL: https://www.napublisher.org/pdf-files/NIJBMR-511-84-89.pdf
    Download Restriction: no
    File URL: https://www.napublisher.org/?ic=journal&journal=8&month=10-2018&issue=10&volume=2
    Download Restriction: no
    ---><---

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:nap:nijbmr:2018:p:84-89. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Managing Editor (email available below). General contact details of provider: https://www.napublisher.org/?ic=journal&journal=8&info=aims .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.