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 procedures, debt collection strategy and credit monitoring procedures? What is the level of bank performance in selected commercial banks in Kigali-Rwanda? Is there a significant relationship between credit management and bank performance in selected commercial banks in Kigali -Rwanda? The research was carried out using closed ended questionnaires based up on purposive samples of the banks in the target population (160). The data was analyzed using SPSS software package where frequencies, percentages, means and standard deviation were used. The findings showed that the extent of credit management was poor with the overall total of 2.40; the level of bank performance was also rated at 2.2 indicating a low performance. The findings reveal a significant relationship between credit management and bank performance. The study further revealed that there were some weaknesses in credit implementation which resulted into low performance in selected banks. However the banks were advised to adopt an aggressive credit management strategy in place to improve on the performance.
Tabile of Content
Chapter Page
ONE 1
THE PROBLEM AND ITS SCOPE 1
Background of the study 1
Problem statement 2
Purpose of the study 3
Research objectives 4
Research questions 4
Hypothesis 5
Scope of the study 5
Significance of the study 5
Operational objectives 6
TWO 8
REVIEW OF RELATED LITERATURE 8
Concepts, opinions, ideas from author/expert 8
Theoretical perspective 11
Related studies 12
THREE 19
METHODOLOGY 19
Research design 19
Research population 19
Sample size 19
Sampling procedure 20
Research instrument 20
Validity and reliability of the instrument 21
Data gathering procedures 22
Data analysis 22
Ethical considerations 23
Limitation of the study 24
FOUR 25
DATA PRESENTATION, ANALYSIS AND INTERPRETATION 25
Profile of the Respondents 25
Description of the extent of credit policy 26
Description of the level of bank performance 32
Relationship between credit management and bank performance 33
FIVE 36
FINDINGS, CONCLUSIONS AND RECOMMENDATIONS 36
Summary of the findings 36
Conclusions 37
Recommendations 38
Areas for further research 39
References 40
Appendices 41
Appendix A: Introductory letter xii
Appendix B: Transmittal letter xiii
Appendix III: Informed consent xiv
Appendix lv A xv
Appendix lv B xvi
Appendix lv C xvii
Appendix 1111: Research instrument xviii
Researcher’s Curriculum Vitae xix
Consults, E. & ADONIA, T (2023). Credit Management and Bank Performance of Selected Commercial Banks in Kigali- Rwanda. Afribary. Retrieved from https://track.afribary.com/works/credit-management-and-bank-performance-of-selected-commercial-banks-in-kigali-rwanda
Consults, Education, and TUKUNDANE ADONIA "Credit Management and Bank Performance of Selected Commercial Banks in Kigali- Rwanda" Afribary. Afribary, 10 Jan. 2023, https://track.afribary.com/works/credit-management-and-bank-performance-of-selected-commercial-banks-in-kigali-rwanda. Accessed 23 Nov. 2024.
Consults, Education, and TUKUNDANE ADONIA . "Credit Management and Bank Performance of Selected Commercial Banks in Kigali- Rwanda". Afribary, Afribary, 10 Jan. 2023. Web. 23 Nov. 2024. < https://track.afribary.com/works/credit-management-and-bank-performance-of-selected-commercial-banks-in-kigali-rwanda >.
Consults, Education and ADONIA, TUKUNDANE . "Credit Management and Bank Performance of Selected Commercial Banks in Kigali- Rwanda" Afribary (2023). Accessed November 23, 2024. https://track.afribary.com/works/credit-management-and-bank-performance-of-selected-commercial-banks-in-kigali-rwanda