Credit Policy and Performance of Commercial Banks in Kenya. A Case Study of Equity Bank, Nakuru Branch, Kenya.
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Date
2011-12
Authors
Journal Title
Journal ISSN
Volume Title
Publisher
Kampala International University, College of Economics and Management .
Abstract
The research topic was chosen due to the fact that there has been an intense global competition in
the finance and banking sectors whereby some of the institutions in the industry do not believe
that the various credit policy they provide and the way they provide them and the way in which
these credit policies are finally delivered can affect their performance either positively or
negatively.
The research topic was therefore to establish the effect of credit policy on the performance of
commercial banks. Specific objectives of the study were to; determine the relationship between
credit policy and performance of commercial bank, establish the effect of credit policy on
performance of commercial bank and identify the various credit policy by the banking
institutions. The research was particularly carried out at Equity Bank, Nakuru Branch, Kenya.
The data was collected using both quantitative and qualitative methods. Research design
included; study population, sample size technique while the research instruments used were;
Questionnaires and interviews together with other instruments such as observations.
The data obtained was interpreted, analysed and presented in tabular forms showing the
percentage and frequencies and also illustrated in diagrams on the basis of the analysed
information. These provided a clear meaning and therefore easy understanding of the data
presented.
Finally summaries were drawn recommendations and conclusions were made from the
interpreted, analysed and presented information. It was recommended that the management of
commercial bank should make sure that they explain to their customers the credit policy
available and how they operate.
Description
A research dissertation submitted to the School of
Business and Management in Partial Fulfillment of
the Requirements for the Award of Bachelors Degree
in Business Administration of Kampala
International University.
Keywords
Commercial Banks, Credit Policy, Performance, Equity Bank, Kenya