The prevalence of non-performing loans in the microfinance sector is a major concern in reducing the profitability of MFIs in Zimbabwe, therefore, this study investigated the impact of non-performing loans on the profitability of MFIs in Zimbabwe. The study adopted a descriptive research design and the study population constituted MFIs in Zimbabwe in which the sample size was 170 MFIs using random sampling as a sampling technique. Closed-ended questionnaires were used as data collection instr...
Abstract Information remains a crucial input in the banking industry. Banks are confronted with asymmetric information problems because of borrowers' informational opacity. Banks overcome this problem by accumulating information about their borrowers' creditworthiness, using their superior ability to collect and process information. Obtaining useful unique information about their borrowers can be costly for banks, but it provides a competitive advantage and a source of rents over the lifetim...
Abstract Kenya witnessed the failure of several banks, such as Imperial Bank and Dubai Bank. The study examined the influence of debt restructuring strategy implementation on the performance of selected commercial banks in Kisumu, Kenya. The research was based on risk management theory. The research design used in this study was a descriptive survey. Kisumu City was chosen because it is one of the fastest-growing cities in Kenya, as it is endowed with natural resources and robust industries ...
Abstract The dynamics of change in the business environments catalysed by globalization, changing consumer preferences, and the whirlwind development of technology have exerted immense pressure on commercial banks to introduce new approaches to enter new markets and exploit existing ones. Market innovation has thus become a vital tool for survival and development. This study examined the influence of market innovation on the competitiveness of Commercial Banks in Kenya. The study was guided ...
Abstract: Bank of Botswana’s mission is to contribute towards the financial well being of the financial sector so that Botswana attains orderly, balanced and sustainable economic development (Bank of Botswana Annual Report, 2013). This, among other objectives, is directly intended to lead to the creation of many and varied financial enterprises in order to achieve total financial inclusivity of the entire population. Sadly, most of the Cash Loan Businesses (CLBs) are performing below expec...
ABSTRACT Credit risk management is an essential function of banks and bank management strive to satisfy the legitimate credit needs of the community it tends to serve. This study is aimed at analysing the effect of credit risk management on the performance of banks in Nigeria with particular reference to Zenith Bank Kabuga branch. The importance of credit in the economic growth and development of a country cannot be overemphasized. Despite the important role played by credit in the economy, i...
One of the remarkable developments in Nigeria is the introduction of the financial inclusion program by the Federal Government in 2012. This paper examined the effects of financial inclusion on economic development and growth of Nigeria (2011-2019). Financial inclusion is the state of financial system where every member of society has access to appropriate financial products and services for effective and efficient management of resources; get needed resources to finance their businesses; an...
ABSTRACT One of the remarkable developments in Nigeria is the introduction of the financial inclusion program by the Federal Government in 2012. This paper examined the effects of financial inclusion on economic development and growth of Nigeria (2011-2019). Financial inclusion is the state of financial system where every member of society has access to appropriate financial products and services for effective and efficient management of resources; get needed resources to finance their bus...
During the outbreak of the Covid-19 virus, the economy of Iloilo City experienced a setback wherein the Ilonggo e-wallet users’ utilized the e-wallet as payment system since its services showed convenience in continuing their financial transactions at the comfort of their home which resulted in higher demands to its effectiveness. In conformity, this study was conducted to determine the effectiveness of e-wallet as payment system among Ilonggo E-wallet users during the COVID-19 pandemic. Th...
ABSTRACT This study sought to establish the relationship between loan management and survival of Commercial Banks in selected districts in Meru Region in Eastern Kenya. The study was guided by four research objectives; to determine the profile of respondents in terms of age, sex, designation and level of income; to determine the level of loan management in terms of secured loans, unsecured loans and mortgages management; to determine the level of survival of commercial banks in terms of loa...
ABSTRACT This study was undertaken with the primary purpose of determining if there is a relationship between credit management and bank performance in selected commercial banks-Kigali Rwanda. To accomplish this task, it was guided by the following research questions; what is the profile of the respondents in terms of age, sex, level of education, position in the bank and number of years in present position? What is the extent of credit management in terms of credit appraisal and approval p...
ABSTRACT The concept of bank customer relation in Tanzania is based on contract. It has been repeatedly argued that the success of the organization specifically in banking depends greatly on the needs of the customers. In order to be able to achieve that, it is necessary to understand customer and their service to enhance performance and profitability level of bank. In this sense a banker is under the duty not to disclose to the third parties information about its customers accounts affairs...
The general objective of this research was to examine the financial record management practices in local Assemblies using the Ayawaso West Municipal Assembly of the Greater Accra Region of Ghana as a case study. The study utilised a sample size of 100 respondents. The research design was quantitative which utilised a questionnaire as the instrument for collecting primary data. Findings from the study revealed that, in relation to the types of financial records that the Ayawaso West Municipal...
ABSTRACT The study sought to establish the relationship between business strategy and performance of small and medium enterprises in Kaabong district. The study was guided by three specific objectives, that included i) determining the extent of business strategy; ii) level of performance of small and medium enterprises and (iii) the relationship between business strategy and performance of small and medium enterprises in Kaabong district. This research employed descriptive correlational des...
ABSTRACT This study was carried out to determine customers’ perception and satisfaction in the utilization of the money transfer service of the M-Pesa service by Safaricom Limited in Kenya. M-pesa is a swahili word meaning Mobile money. In the recent years, customers of M-pesa outlets services have been experiencing service delays, and poor treatment from the outlets agents who are said to be rude to them. This has resulted to some of the M-pesa clients migrating from Safaricom M-pesa ser...