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
- HASSAN USMAN KATSINA POLYTECHNIC (NCE), KATSINA, KATSINA STATE 4
- Hassan Usman Katsina Polytechnic, Katsina, Katsina State 5
- Heritage Polytechnic, Ikot Udota, Akwa Ibom State 46
- Hussaini Adamu Federal Polytechnic, Kazaure, Jigawa State 8
- Ibrahim Badamasi Babangida University, Lapai, Niger State 24
- Igbinedion University, Okada, Benin City, Edo State 2
- Ignatius Ajuru University of Education, Port Harcourt, Rivers State 8
- Imo State Polytechnic, Umuagwo, Owerri, Imo State 3
- Imo State University, Owerri, Imo State 45
- Institute of Management and Technology, Enugu, Enugu State 11