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
- Al-Hikmah University, Ilorin, Kwara State 2
- AL-ISTIQAMAH UNIVERSITY, SUMAILA, KANO STATE 1
- Al-Qalam University, Katsina, Katsina State 5
- Alex Ekwueme Federal University, Ndufu-Alike, Ebonyi State 87
- Alvan Ikoku College of Education, Imo State, (Affl To Univ of Nigera, Nsukka) 11
- Ambrose Alli University, Ekpoma, Edo State 478
- Anambra State College of Health Technology, Obosi, Anambra State 1
- Auchi Polytechnic, Auchi, Edo State 503
- Auchi Polytechnic, Auchi, Edo State. (affl To Nnamdi Azikiwe University, Awka) 3
- Audu Bako College of Agriculture Danbatta, Kano, Kano State 54