Credit Management in Microfinance Banks in Nigeria
Student: Azeez Kafaru (Project, 2025)
Department of Banking And Finance
Auchi Polytechnic, Auchi, Edo State
Abstract
The study made use of time series data generated from secondary sources through the publications of financial statements of Central Bank of Nigeria. The study also employed OLS multiple regression analytical techniques. The findings reveal that non-performing loans has a negative significant effect on return of asset of microfinance banks in Nigeria while bank liquidity and total bad debt written off .have a positive significant effect on return of asset of microfinance banks in Nigeria. It is recommended among others that Microfinance institutions should allocate more resources to credit risk evaluation activities in order to reduce the risks on loans and achieve maximum loan performance also, microfinance banks should encourage their credit officers by formulating and articulating credit policies considering their salient roles on credit monitoring and performance
Keywords
For the full publication, please contact the author directly at: kafaruazeez93@gmail.com
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Institutions
- Abdul-Gusau Polytechnic, Talata-Mafara, Zamfara State 3
- Abia State Polytechnic, Aba, Abia State 24
- Abia State University, Uturu, Abia State 71
- Abraham Adesanya Polytechnic, Ijebu-Igbo, Ogun State 3
- Abubakar Tafawa Balewa University, Bauchi, Bauchi State 15
- Abubakar Tatari Ali Polytechnic, Bauchi State. (affiliated To Atbu Bauchi) 1
- Achievers University, Owo, Ondo State 6
- Adamawa State University, Mubi, Adamawa State 8
- Adekunle Ajasin University, Akungba-Akoko, Ondo State 26
- Adeleke University, Ede, Osun State 1