Performance of micro finance institution in credit risk management: A case of Mbinga community bank
A dissertation submitted in Partial fulfillment of the requirements for award of the Degree of Master of Science in Accounting and Finance (MSc.) of the Mzumbe University 2014
محفوظ في:
| المؤلف الرئيسي: | |
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| التنسيق: | أطروحة |
| اللغة: | الإنجليزية |
| منشور في: |
Mzumbe University
2024
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| الموضوعات: | |
| الوصول للمادة أونلاين: | https://scholar.mzumbe.ac.tz/handle/123456789/1080 |
| الوسوم: |
إضافة وسم
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| _version_ | 1820347767685382144 |
|---|---|
| author | Wilson, Edson |
| author_facet | Wilson, Edson |
| author_sort | Wilson, Edson |
| collection | DSpace |
| description | A dissertation submitted in Partial fulfillment of the requirements for award of the Degree of Master of Science in Accounting and Finance (MSc.) of the Mzumbe University 2014 |
| format | Thesis |
| id | oai:41.59.85.69:123456789-1080 |
| institution | Mzumbe University |
| language | English |
| publishDate | 2024 |
| publisher | Mzumbe University |
| record_format | dspace |
| spelling | oai:41.59.85.69:123456789-10802024-09-18T11:36:54Z Performance of micro finance institution in credit risk management: A case of Mbinga community bank Wilson, Edson Micro -finance Institution Micro-finance Performance Credit Risk Management A dissertation submitted in Partial fulfillment of the requirements for award of the Degree of Master of Science in Accounting and Finance (MSc.) of the Mzumbe University 2014 Concerns about distressing credit activities and vulnerable credit risk management system have been climbing these years, from the United States troubled mortgage lending (2008) to the European debt crisis (2010). In the little country like Tanzania, small banks are also facing the big question of establishing a strong credit risk management framework. The purpose is to maximize their profits and to gain competitive advantage over their rivalries. This is where the research problem for this thesis arises. The major objective of this research is to provide the investigated bank with an insight into the performance of credit risk management framework and the effectiveness of the credit risk management practices at the banks. The study aimed at finding out whether there was a policy and procedure involving in the credit risk management. Also, determining factors that hindered the effectiveness of credit risk management. Furthermore, determining impact of internal control on credit risk management enhanced by the employees’ participation whether it contributed to the performance of an organization. Purpose sampling was used to select 16 employees from five different departments in Mbinga Community Bank. Head of departments and Officers was involved in Credit Risk Management. Data collection for this study employed different methods to collect data such as structured questionnaire, interview, observation and participation. Data were analyzed by using descriptive statistical analysis. The study indicated that credit risk if not clearly designed could negatively impact on the performance of micro finance institution. The study recommends organization, to improve on, credit policies and procedure that are in place and train its employees on how to deal with credit risk management set by the organization. Also the organization should review internal control systems to make sure that they are effective in performing credit risk, and organization should motivate employee for wages and allowances to ensure adherence and implementation on credit risk management. Private 2024-08-21T07:54:01Z 2024-08-21T07:54:01Z 2014 Thesis APA https://scholar.mzumbe.ac.tz/handle/123456789/1080 en application/pdf Mzumbe University |
| spellingShingle | Micro -finance Institution Micro-finance Performance Credit Risk Management Wilson, Edson Performance of micro finance institution in credit risk management: A case of Mbinga community bank |
| title | Performance of micro finance institution in credit risk management: A case of Mbinga community bank |
| title_full | Performance of micro finance institution in credit risk management: A case of Mbinga community bank |
| title_fullStr | Performance of micro finance institution in credit risk management: A case of Mbinga community bank |
| title_full_unstemmed | Performance of micro finance institution in credit risk management: A case of Mbinga community bank |
| title_short | Performance of micro finance institution in credit risk management: A case of Mbinga community bank |
| title_sort | performance of micro finance institution in credit risk management a case of mbinga community bank |
| topic | Micro -finance Institution Micro-finance Performance Credit Risk Management |
| url | https://scholar.mzumbe.ac.tz/handle/123456789/1080 |
| work_keys_str_mv | AT wilsonedson performanceofmicrofinanceinstitutionincreditriskmanagementacaseofmbingacommunitybank |