Credit Risk Management and Profitability of Commercial Banks in Hargiesa , Somaliland.
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Date
2013-12
Authors
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Journal ISSN
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Publisher
Kampala International University, College of Economics and Management Sciences
Abstract
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.
Description
A thesis presented
the college of higher degrees and Research
Kampala International University
Kampala, Uganda
in Partial Fulfillment of the Requirements for the Degree
of Master of Business Administration
Banking and finance.
Keywords
Credit Risk Management, Profitability, Commercial Banks, Somaliland