{"product_id":"credit-risk-management-in-ghanaian-commercial-banks-von-michael-nyarko-baasi","title":"Credit Risk Management in Ghanaian Commercial Banks","description":"\u003cp\u003eMaster'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\u003c\/p\u003e\u003cp\u003eBanks with the searchlight on the operations of Barclays Bank Ghana (BBG), Ghana\u003c\/p\u003e\u003cp\u003eCommercial Bank (GCB), Zenith Bank Ghana and Merchant Bank Ghana (MBG), all\u003c\/p\u003e\u003cp\u003eoperating in the Accra Business District. The study essentially had the objective of examining\u003c\/p\u003e\u003cp\u003ethe loan application appraisal processes of these banks as well as ascertaining the adequacy of\u003c\/p\u003e\u003cp\u003etheir loan monitoring mechanism.\u003c\/p\u003e\u003cp\u003eIn conducting the study, the researcher adopted the questionnaire technique as the research\u003c\/p\u003e\u003cp\u003einstrument to solicit information from both customers and officials of the banks. Purposive\u003c\/p\u003e\u003cp\u003esampling technique was employed in selecting officials from the banks whose duties centered\u003c\/p\u003e\u003cp\u003eon Credit Risk Management. Random sampling technique also helped the researcher in\u003c\/p\u003e\u003cp\u003eselecting the sample size for the customers of the banks.\u003c\/p\u003e\u003cp\u003eFindings made uncovered the fact that poor sales and exchange rate losses, product\u003c\/p\u003e\u003cp\u003esubstitutes due to trade liberalization and inability to enter into the foreign market and\u003c\/p\u003e\u003cp\u003eaccount for a chuck of the loan default cases experienced by the banks. It is recommended,\u003c\/p\u003e\u003cp\u003eamong others, that the Government¿s information on Venture Capital Trust fund should be\u003c\/p\u003e\u003cp\u003emade more accessible to the SMEs sectors through official sponsored workshops whilst the\u003c\/p\u003e\u003cp\u003ecapacity and logistics of the Eximguaranty Limited are strengthened to alleviate the credit\u003c\/p\u003e\u003cp\u003erequirement ¿headaches¿ of SMEs. Conclusions drawn centered on the fact that some banks\u003c\/p\u003e\u003cp\u003eminimize risk factors in credit management by entering into some covenants with borrowers¿\u003c\/p\u003e\u003cp\u003eunder which certain figures and ratios are periodically sent to the banks electronically. Most\u003c\/p\u003e\u003cp\u003ebanks also dispatch their officials to monitor and evaluate the loan disbursement schedules\u003c\/p\u003e\u003cp\u003eagreed with the customer to minimize bad debt associated with SMEs.\u003c\/p\u003e\u003cdiv class=\"aw-variant-hidden-subtitle-div\" id=\"aw-variant-subtitle-9783656398387\"\u003e\u003ch3\u003e\u003c\/h3\u003e\u003c\/div\u003e","brand":"Libri","offers":[{"title":"Softcover - 9783656398387","offer_id":39438213906525,"sku":"9783656398387","price":54.99,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0940\/0622\/files\/9053933c-3403-4056-a5be-bd1600ec3515.jpg?v=1777961148","url":"https:\/\/shop.autorenwelt.de\/products\/credit-risk-management-in-ghanaian-commercial-banks-von-michael-nyarko-baasi","provider":"Autorenwelt Shop","version":"1.0","type":"link"}