Credit Risk Management in Ghanaian Commercial Banks High quality books
Credit Risk Management in Ghanaian Commercial Banks
By:Michael Nyarko-Baasi
Published on 2013-09 by
Master's Thesis from the year 2012 in the subject Business economics - Investment and Finance, grade: B, Methodist University College Ghana, language: English, abstract: This study focused on the challenges of Credit Risk Management in Ghanaian Commercial Banks with the searchlight on the operations of Barclays Bank Ghana (BBG), Ghana Commercial Bank (GCB), Zenith Bank Ghana and Merchant Bank Ghana (MBG), all operating in the Accra Business District. The study essentially had the objective of examining the loan application appraisal processes of these banks as well as ascertaining the adequacy of their loan monitoring mechanism. In conducting the study, the researcher adopted the questionnaire technique as the research instrument to solicit information from both customers and officials of the banks. Purposive sampling technique was employed in selecting officials from the banks whose duties centered on Credit Risk Management. Random sampling technique also helped the researcher in selecting the sample size for the customers of the banks. Findings made uncovered the fact that poor sales and exchange rate losses, product substitutes due to trade liberalization and inability to enter into the foreign market and account for a chuck of the loan default cases experienced by the banks. It is recommended, among others, that the Government's information on Venture Capital Trust fund should be made more accessible to the SMEs sectors through official sponsored workshops whilst the capacity and logistics of the Eximguaranty Limited are strengthened to alleviate the credit requirement 'headaches' of SMEs. Conclusions drawn centered on the fact that some banks minimize risk factors in credit management by entering into some covenants with borrowers' under which certain figures and ratios are periodically sent to the banks electronically. Most banks also dispatch their officials to monitor and evaluate the loan disbursement schedules agreed with the customer to minimize bad debt
This Book was ranked at 20 by Google Books for keyword Commercial bank.
Book ID of Credit Risk Management in Ghanaian Commercial Banks's Books is _OAKmwEACAAJ, Book which was written byMichael Nyarko-Baasihave ETAG "BsgYWf3f210"
Book which was published by since 2013-09 have ISBNs, ISBN 13 Code is 9783656398387 and ISBN 10 Code is 3656398380
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