ABSTRACT
THE study aimed at assessing the effects of credit policies on the performance
of commercial banks in Equity bank of Kenya. And to propose measures to
improve credit policy in equity banks.
For the effectiveness of the research, the researcher used a research design of a
cases study of Equity bank Kisumu branch Kenya. Data collection and analysis
were used to arrange the information in such a way that enabled the
researcher to come- 1:1p with the· reliable recommendations and conclusion.
Different methodologies were employed which were research instruments and
analysis of data where the researcher used pie charts and presentation done in
bar graphs.
The researcher found out that the good performance of Equity bank was mainly
contributed by the credit control measures as a result of well established credit
policy screening mechanism in place before credit is extended to clients. It's
evident from this study that indigenous commercial banks in Kenya use all the
elements of credit policy management process, but are not comprehensively
using the aspects of the various elements of the process in the management of
their credit function.
There is a significant and positive relationship between the elements of credit
policy management and the performance of Equity bank thus these fmdings
reveal that the credit policy management in the bank has a strong impact of
the quality of the bank's portfolio and thus the performance of the bank.
Research, S. (2022). CREDIT POLICY AND THE PERFORM.ANCE OF COMMERCIAL BANKS IN KENYA. A CASE STUDY OF EQUITY BANK,KISUMU BRANCH.. Afribary. Retrieved from https://afribary.com/works/credit-policy-and-the-perform-ance-of-commercial-banks-in-kenya-a-case-study-of-equity-bank-kisumu-branch
Research, SSA "CREDIT POLICY AND THE PERFORM.ANCE OF COMMERCIAL BANKS IN KENYA. A CASE STUDY OF EQUITY BANK,KISUMU BRANCH." Afribary. Afribary, 16 Aug. 2022, https://afribary.com/works/credit-policy-and-the-perform-ance-of-commercial-banks-in-kenya-a-case-study-of-equity-bank-kisumu-branch. Accessed 26 Nov. 2024.
Research, SSA . "CREDIT POLICY AND THE PERFORM.ANCE OF COMMERCIAL BANKS IN KENYA. A CASE STUDY OF EQUITY BANK,KISUMU BRANCH.". Afribary, Afribary, 16 Aug. 2022. Web. 26 Nov. 2024. < https://afribary.com/works/credit-policy-and-the-perform-ance-of-commercial-banks-in-kenya-a-case-study-of-equity-bank-kisumu-branch >.
Research, SSA . "CREDIT POLICY AND THE PERFORM.ANCE OF COMMERCIAL BANKS IN KENYA. A CASE STUDY OF EQUITY BANK,KISUMU BRANCH." Afribary (2022). Accessed November 26, 2024. https://afribary.com/works/credit-policy-and-the-perform-ance-of-commercial-banks-in-kenya-a-case-study-of-equity-bank-kisumu-branch