Management of credit default risk in commercial Banks: The study of national microfinance bank (NMB) Mwanza region
A dissertation submitted for the partial fulfillment of the requirement of the award of a Degree of Masters of Science in Accounting and Finance (MSc A&F). Mzumbe University
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| 格式: | Thesis |
| 语言: | 英语 |
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Mzumbe University
2024
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| 在线阅读: | https://scholar.mzumbe.ac.tz/handle/123456789/1395 |
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| _version_ | 1835205595728183296 |
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| author | Makwaia, Fortunate B |
| author_facet | Makwaia, Fortunate B |
| author_sort | Makwaia, Fortunate B |
| collection | DSpace |
| description | A dissertation submitted for the partial fulfillment of the requirement of the award of a Degree of Masters of Science in Accounting and Finance (MSc A&F). Mzumbe University |
| format | Thesis |
| id | oai:null:123456789-1395 |
| institution | Mzumbe University |
| language | English |
| publishDate | 2024 |
| publisher | Mzumbe University |
| record_format | dspace |
| spelling | oai:null:123456789-13952024-10-07T07:02:49Z Management of credit default risk in commercial Banks: The study of national microfinance bank (NMB) Mwanza region Makwaia, Fortunate B Credit Management Default risk Management credit evaluation criterias Risk Monitoring A dissertation submitted for the partial fulfillment of the requirement of the award of a Degree of Masters of Science in Accounting and Finance (MSc A&F). Mzumbe University The overall objective of this study is to identify, measure as well examining the underlying root causes of Default Risks in Commercial Banks, challenges faced, and offer recommendations on what should be done to improve the management of credit risk in the Bank. The study applied survey method which combined both qualitative and quantitative approaches as a way to investigate both quantitative and qualitative information on the study topic. The results have shown that, of the major challenges faced by Bank is lack of credit reference bureau which accounts to almost 50% of all challenges. Other challenges include lack of enough expertise as well as fraud and fraudulent practices. It was an assumption of the researcher that, the tendency of NMB posing higher interest rates ranging 18% to 21% results into very expensive loans for borrowers to repay. This was found to be the only case with business loans which cannot generate enough cash flows to service both principal and interest timely. At the end of the study the author tries to propose a few issues which she believes can make a remarkable impact on management of credit risk. Some of her strong recommendations include the need to continue lobbying to the Government to speed up the establishment of Credit Reference Bureau. The researcher also suggests that the bank also needs to diversify its activities geographically to reduce its amount of concentration in Dar es Salaam. The author believes that all of her recommendations can be taken up and implemented with the given resources the bank posses, the study shall remain as one of the key reference documents for policy makers, corporate firms, students and employees of NMB Private 2024-10-07T07:02:45Z 2024-10-07T07:02:45Z 2014 Thesis APA https://scholar.mzumbe.ac.tz/handle/123456789/1395 en application/pdf Mzumbe University |
| spellingShingle | Credit Management Default risk Management credit evaluation criterias Risk Monitoring Makwaia, Fortunate B Management of credit default risk in commercial Banks: The study of national microfinance bank (NMB) Mwanza region |
| title | Management of credit default risk in commercial Banks: The study of national microfinance bank (NMB) Mwanza region |
| title_full | Management of credit default risk in commercial Banks: The study of national microfinance bank (NMB) Mwanza region |
| title_fullStr | Management of credit default risk in commercial Banks: The study of national microfinance bank (NMB) Mwanza region |
| title_full_unstemmed | Management of credit default risk in commercial Banks: The study of national microfinance bank (NMB) Mwanza region |
| title_short | Management of credit default risk in commercial Banks: The study of national microfinance bank (NMB) Mwanza region |
| title_sort | management of credit default risk in commercial banks the study of national microfinance bank nmb mwanza region |
| topic | Credit Management Default risk Management credit evaluation criterias Risk Monitoring |
| url | https://scholar.mzumbe.ac.tz/handle/123456789/1395 |
| work_keys_str_mv | AT makwaiafortunateb managementofcreditdefaultriskincommercialbanksthestudyofnationalmicrofinancebanknmbmwanzaregion |