TABLE OF CONTENT ............................................................................................................................................... .
DECLARATION.......................................................................................................................................................... Ill
APPROVAL ........................................................................................................................................................... V
DEDICATION........................................................................................................................................................... VI
ACKNOWLEDGEMENT...................................................................................................................................... VII
ABBREVIATIONS................................................................................................................................................. VII
CHAPTER ONE
1.0 INTRODUCTION......................................................................................................................................... 1
1.1 BACKGROUND OF CASE STUDY.............................................................................................................. 1
1.2 STATEMENT OF THE PROBLEM............................................................................................................... 2
1.3 OBJECTIVE OF THE STUDY........................................................................................................................ 2
1.3.1 GENERAL OBJECTIVE....................................................................................................................... 3
1.3.2 SPECIFIC OBJECTIVE........................................................................................................................ 3
1.4 RESEARCH QUESTIONS............................................................................................................................... 3
1.5 SCOPE OF THE STUDY.................................................................................................................................. 3
1.6 SIGNIFICANCE OF THE STUDY.................................................................................................................... 3
1.7 LIMITATIONS OF THE STUDY..................................................................................................................... 4
1.8 CONCEPTUAL FRAMEWORK........................................................................................................................ 4
CHAPTER TWO
2.0 INTRODUCTION.......................................................................................................................................... 6
2.1 DEFINITION OF CREDIT POLICY............................................................................................................... 6
2.2 CREDIT POLICY AND ITS IMPORTANCE..................................................................................................... 6
2.3 RELATIONSHIP BETWEEN CREDIT POLICY AND FINANCIAL PERFORMANCE.................................... 7
2.4 CREDIT RISK................................................................................................................................................. 7
2.5 CREDIT EVALUATION................................................................................................................................. 8
2.6 CREDIT STANDARDS AND ANALYSIS................................................................................................. 9
2. 7 CREDIT TERMS................................................................................................................................................ 9
2.7.1 DETERMINANTS OF CREDIT TERMS IN COMMERCIAL BANKS.................................................. 10
2.8 COLLECTION POLICY.......................................................................................................................... 10
2.9 IMPACTS OF CREDIT POLICY ON PERFORMANCE OF COMMERCIAL BANKS........................................ 11
CHAPTER THREE
3.0 RESEARCH METHODOLOGY..................................................................................................................... 12
3.1 RESEARCH DESIGN........................................................................................................................................ 12
3.2 POPULATION AND SAMPLE......................................................................................................................... 12
3.3 SAMPLING DESIGN AND SIZE...................................................................................................................... 12
3.3.1 SAMPLING DESIGN................................................................................................................ 12
3.3.2 SAMPLE SIZE..................................................................................................................... 13
3.3.3 DATA SOURCE, COLLECTION AND ANALYSIS....................................................................... 13
3.3.3.1 DATA SOURCE........................................................................................................ 13
3.3.3.2 DATA COLLECTION METHODS AND INSTRUMENTS.............................................. 13
3.3.3.2.1 INTERVIEWING METHOD........................................................................ 13
3.3.3.2.2 QUESTIONNAIRES METHOD
3.3.4 DATA PROCESSING AND ANALYSIS......................................................................................... 14
CHAPTER FOUR
4.0 INTRODUCTION................................................................................................................................................ 15
4.1 RESPONDENTS BY SEX......................................................................................................................... 15
4.1.1 RESPONDENTS' AREA OF SPECIALIZATION............................................................................. 16
4.1.2 LENGTH OF SERVICE................................................................................................................ 17
4.2 REVIEW OF CREDIT POLICY................................................................................................................. 19
4.2.1 QUALIFICATIONS FOR A CLIENT TO ACCESS BANKS LOAN................................................... 20
4.2.2 EFFECTIVE CREDIT MANAGEMENT......................................................................................... 20
4.2.3 RESPONSE ON THE IMPACT OF CREDIT POLICY ON THE PERFORMANCE OF KCB BANK......... 20
4.2.4 HOW INTEREST RATE TO CHARGE A CLIENT IS DETERMINED BY THE KCB BANK................... 21
4.2.5 THE REPAYMENT PERIOD FOR PARTICULAR LOANS............................................................... 21
4.3 RESPONSE ON THE RELATIONSHIP BETWEEN CREDIT POLICY AND PERFORMANCE OF KCB BANK...... 22
4.4 RESPONSE ON CREDIT RECOVERY APPROACH.............................................................................. 22
4.5 STRENGTH AND WEAKNESSES OF KCB'S CREDIT POLICIES. ................................................................ 23
4.6 RESPONSE ON APPROVAL OF LOAN FACILITIES................................................................................. 24
4.7RESPONSE ON THE EFFECTIVENESS OF THE POLICY.................................................................................... 25
4.8 CLIENTS' RESPONSE ON THE EFFECTS OF CREDIT POLICY ON THE BANK PERFORMANCE.................... 26
JOYCE, M (2021). The Effects Of Credit Policy On The Performance Of Commercial Banks Case Study: Kenya Commercial Bank; Moi Avenue Branch, Kenya. Afribary. Retrieved from https://afribary.com/works/the-effects-of-credit-policy-on-the-performance-of-commercial-banks-case-study-kenya-commercial-bank-moi-avenue-branch-kenya
JOYCE, MAIN "The Effects Of Credit Policy On The Performance Of Commercial Banks Case Study: Kenya Commercial Bank; Moi Avenue Branch, Kenya" Afribary. Afribary, 03 Jun. 2021, https://afribary.com/works/the-effects-of-credit-policy-on-the-performance-of-commercial-banks-case-study-kenya-commercial-bank-moi-avenue-branch-kenya. Accessed 08 Oct. 2024.
JOYCE, MAIN . "The Effects Of Credit Policy On The Performance Of Commercial Banks Case Study: Kenya Commercial Bank; Moi Avenue Branch, Kenya". Afribary, Afribary, 03 Jun. 2021. Web. 08 Oct. 2024. < https://afribary.com/works/the-effects-of-credit-policy-on-the-performance-of-commercial-banks-case-study-kenya-commercial-bank-moi-avenue-branch-kenya >.
JOYCE, MAIN . "The Effects Of Credit Policy On The Performance Of Commercial Banks Case Study: Kenya Commercial Bank; Moi Avenue Branch, Kenya" Afribary (2021). Accessed October 08, 2024. https://afribary.com/works/the-effects-of-credit-policy-on-the-performance-of-commercial-banks-case-study-kenya-commercial-bank-moi-avenue-branch-kenya