Credit risk management techniques and loan portfolio quality of nigerian commercial banks Department: Business Administration and Management By: Donchika Project ID: 2336 Rating: (3.3) votes: 6Rate this project12345 Price:₦2000 Get the Complete MaterialAbstractCommercial banks engage primarily in the business of intermediation, which is, mobilizing funds from surplus units of the economy and lending same to the deficit units. In rendering these services, a large percentage of the loans granted are not repaid or serviced as at when due, leading to bank distress. Defective credit risk management practices, laxity of the supervisory and regulatory authorities have been identified as the problems. This study examined the effect of the credit risk management techniques on the loan portfolio quality of Nigerian commercial banks. The study employed ex-post facto and cross sectional designs. Target population comprised 3097 credit risk managers drawn from 21 commercial banks in Nigeria and a sample of 425 was selected using the stratified random sampling technique. A structured questionnaire was validated for the study. Secondary data were also obtained from the audited accounts of the selected banks over the period covered by the study (2006 - 2015). The Cronbach’s alpha coefficient for the construct ranged between 0.782 and 0.941. The response rate from 425 copies of the questionnaire administered was 95.5%. The data collected were analyzed using descriptive and inferential (simple and multiple regression) statistics. Findings revealed that credit risk management techniques had significant effects on loan portfolio quality (R2 0.675, p0.05), credit risk environment had significant effect on loan portfolio quality (R2 0.577, p0.05), credit analysis had positive significant influence on loan portfolio quality (R2 0.656, p0.05), credit administration had significant effect on loan portfolio quality (R2 0.638, p0.05), credit control had negative and significant relationship with loan portfolio quality (r -.615, p0.05), supervisory and regulatory roles had significant effect on loan portfolio quality of Nigerian commercial banks (R2 0.487, p0.05). ...Preview Download Preview +Other Business Administration and Management project topics and materials you might be interested in»The Effect of Management Information System on Achievement of Organization Objectives ( A Case Study of Nitel Owerri )»The impact of production planning and control on a manufacturing process ( a case study of Nigeria bottling company aba, abia state)»Marketing implication of merger and acquisition in banking industry - a case study of Access bank Plc, Bida branch, Niger state»The Effect of Motivation on Employees Productivity in Anambra State ( A Case Study of Education Commission Awka )»The Impact of Staff Discipline in the Attainment of Organizational Objectives ( A Case Study of Selected Organizations in Owerri, Imo State )»The Impact of Performance Appraisal on Staff Productivity ( A Case Study of Diamond Bank Plc, Owerri )»The effect of irregular payment of workers salaries on productivity of workers in imo state (a case study of owerri municipal council)»A critical evaluation of leadership style and organization performance in the private sector ( a case study of selected establishment in abia state)»The impact of welfare packages on employees performance (A case study of Nigeria breweries plc Aba)»The Effects of Motivation on Workers Morale ( A Case Study of Power Holding Company of Nigeria, Aba )»Motivation and Employee Performance in Public Sector ( A Case Study of NTA Channel 12 owerri)»Management Problems of Manufacturing Industries in Nigeria ( A Case Study of Nigeria Breweries Plc and Unilever Plc )»An assessment of the impact of modern communication facilities on service delivery in business organization ( A case study of ICT based firms in aba, abia state)»The Impact of Delegation on Management Decision Making ( A Case Study of Zenith Bank Plc, Enugu )»The Role of Customer Service in the Service Delivery of Multinational Companies in Nigeria ( A Case Study of Unilever Nigeria Plc Aba)