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  1. Home
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Browsing by Author "Mohamed, Omar Yusuf"

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    Credit Risk Management and Profitability of Commercial Banks in Hargiesa , Somaliland.
    (Kampala International University, College of Economics and Management Sciences, 2013-12) Mohamed, Omar Yusuf
    The study investigates the credit risk management and profitability of commercial banks in Hargeisa , Somaliland. The study was guided by three research objectives. First was examining the profile of respondents in term of Age, Education and Gender. Second the level of credit risk management in Hargeisa , Somaliland. Third the level of profitability commercial bank in Hargeisa , Somaliland, Four to establish if there is significant relationship in credit risk management and profitability of commercial banks, and the study used descriptive survey research design to investigate the simple of this study was 114 respondents from managers and staff of commercial banks in select district Hargeisa, Somaliland. The findings from the study were. The profile of respondent found that number of male 50%, respondent according the number of female were 50%. In regard to education to education level respondent who are certificate level 11.4%, those who have diploma are 19.3%, and the majority of the respondents said they held first degree or a Masters (31.6% each). These two categories represented 63.2% of the entire sample. PhD degrees were the least with 6.1%. The majority of the study respondents were in the 31-40 age groups (37.7%). The 21-30 age groups were the second with 34.2% while 18-20 was the third with 19.3%. The least were in the 41-50 (7.0%) and the 51 and above category (1.8%).58% of the respondents said they were married while 56% said they wen:! single. The majority had worked for between 1-2 years (44.7%) and 1-2 years (29.8%). Those who said they had worked for 7 and above years were the least, representing 3.5% of the total respondents. The majority of the respondents had worked for less than a year (47%). Those who had worked for 2 - 4 years where 38%, the least had worked for 8 years and above Finally the result obtained showed that there is a relationship between credit risk management and profitability commercial banks in Hargeisa Somaliland.

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