Risk Management and Growth of Selected Commercial Banks in Hargeisa Somaliland:
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Date
2012-08
Authors
Journal Title
Journal ISSN
Volume Title
Publisher
Kampala International University, College of Economics and Management
Abstract
This study investigated the relationship between risk management and growth of
selected commercial banks in Hargeisa Somaliland, for this purpose which is to
validate and test the existing information about it, to test the hypothesis of no
significant relationship between them, to generate new knowledge based on the
findings and also to identify strengths & weakness of banks in terms of all risk
management items. The specific objectives of these study is to determine the
profile characteristic of the respondent ,to determine the extent of risk
management ,to determine the level of growth ,and to establish the significant
relationship between the extent of risk management and the level of growth of
selected commercial banks in Hargeisa Somaliland.
The research design of this study employed descriptive correlation design
because it deals with relationship between variables. The target population was
14o respondents of commercial banks managers and other employees both
private and public, the sample size of the study consisted of 104 of respondents
which was obtained using used Sloven’s formula and the sampling procedure
of this study was employed stratified random sampling and purposive random
sampling techniques. The research instrument by this study to collected data is
questionnaire in terms of time and size and the questionnaire is none
standardized . The validity and reliability of the research instruments was proved
by expert , contents validity index ensured by subjecting the researcher devised
questionnaires on risk and growth of commercial banks to judgment by the
content expert.
The findings of the study suggested the extent of the risk management and
growth of selected commercial banks have significant effect correlated indicated
by Pearson’s linear correlation, result that there is relationship between the
variables. The researcher suggested that the risk management are clearly
assigned and mitigated by operational managers of the banks which leads to
growth of banks.
As researcher, give advice in the commercial banks to make a technical
assistance in the preparation of risk management in order to analyze effective
and efficiency of the all types of risk management and also seek new ways to
improvement and mitigation of risk. Commercial bank have to make clear follow
ups procedure on borrowers and to also to emphasis their credit limit with having
collateral security.
Description
A Thesis
Presented to the
College of Higher Degrees and Research
Kampala International University
Kampala Uganda, in Partial Fulfillment of the Requirement for the Degree of
Master’s in Business
(Banking and Finance)
Keywords
Risk Management, Commercial Banks, Somaliland