Credit Risk Management in the Development Bank of Ethiopia. Effects on the Quality of Loan Portfolio

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Publisher : GRIN Verlag
ISBN 13 : 3346298728
Total Pages : 82 pages
Book Rating : 4.3/5 (462 download)

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Book Synopsis Credit Risk Management in the Development Bank of Ethiopia. Effects on the Quality of Loan Portfolio by : Kebede Adane

Download or read book Credit Risk Management in the Development Bank of Ethiopia. Effects on the Quality of Loan Portfolio written by Kebede Adane and published by GRIN Verlag. This book was released on 2020-11-18 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , course: Business Adminstration, language: English, abstract: The main objective of the thesis is to assess the effect of credit risk management on the quality of loans portfolio in the case of Development Bank of Ethiopia. A sample of 84 respondents was drawn from the employees of the Development Bank of Ethiopia by using purposive sampling technique. Both primary and secondary data were used. Data related to loan portfolio and loan position is obtained from the bank whereas, primary data are collected using structured questioners from the employees of the bank. Descriptive and inferential statistics were used to conduct the research and Multiple Regression Analysis was run using SPSS Version 21.0 to analyze the data. With regard to credit risk management practices, the result show that DBE has not satisfactory risk Management practice. Precisely, using score 1 (poor) to 5 (best), all the parameters of risk management practice assessment have a score value below 3.40, i.e. Credit Risk Granting and Portfolio Quality Control (3.40), Credit Risk System and Standard (3.20), Credit Risk and Portfolio Quality Control (3.17), Risk Identification, Measurement and Control (3.03), and Risk Environment (2.98). The Bank`s loan portfolio is also more vulnerable to various types of risks, such as to unpredictable risk, predictable, and controllable risks. The bank’s NPL ratio was above 15% for the last five years. The regression result also showed that sound credit granting process and the existence of comprehensive risk management system and standards are the significant variables that affect loan portfolio quality of the Bank. Credit risk management practice of the bank has insignificant effect on loan portfolio quality. Both in terms of Non-performing loan and concentration, DBE has poor loan portfolio quality which is due to the bank’s poor credit risk management practice. Therefore, there is a need to improve and enhance credit risk management practice of the Bank, especially, by improving the credit granting process to have sound credit risk management, and by updating credit risk management system and standards so as to have strong credit management.

Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia

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Publisher : GRIN Verlag
ISBN 13 : 3346123812
Total Pages : 68 pages
Book Rating : 4.3/5 (461 download)

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Book Synopsis Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia by : Mequanint Zeleke

Download or read book Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia written by Mequanint Zeleke and published by GRIN Verlag. This book was released on 2020-03-02 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (undergraduate) from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: This study is attempted to examine factors affecting non -performing loan of development bank of Ethiopia. The main objective is to examine the factors affecting nonperforming loans in DBE central region. After problem identification, research hypothesis was developed which inquires the relationship and effect of non-performing loans on development bank of Ethiopia. Both secondary and primary data were used in the research. The data is then analyzed using descriptive, correlation and regression techniques through SPSS and Stata software program. The findings of the study revealed that gross domestic product has a positive impact on the occurrence of non-performing loans while other model variables unemployment, inflation rate and exchange rate have no impact on the occurrence of non-performing loan in which negatively affect non-performing loan. according to my study result. Also the result of the primary data indicated that in regarding about customer's specific causes, the result showed that credit culture of customers, lack of business knowledge, delayed approval, profit of the business, business location were determinants of non-performing loan while bank specific factors include poor credit assessment, poor customer selection, aggressive lending policy, borrowers culture, credit size affected non-performing loan.

Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches

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Publisher : GRIN Verlag
ISBN 13 : 3346985059
Total Pages : 92 pages
Book Rating : 4.3/5 (469 download)

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Book Synopsis Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches by :

Download or read book Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches written by and published by GRIN Verlag. This book was released on 2023-12-19 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2023 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main objective of this study was to examine the determinants of non-performing loans in the case of the Development Bank of Ethiopia, Bahir Dar District. Descriptive and explanatory research designs were employed. The study uses both a quantitative and qualitative research approach. The study also uses both primary and secondary data sources. The primary source was collected from all 125 employees using questionnaires and interviews conducted with concerned managerial staffs of the district. The secondary source was gathered from DBE manuals, policy and procedure of the bank, NBE directives, bank's T-24 system, loan positions and provisions documents. The data was analyzed and interpreted by using descriptive and inferential statistics with the help of SPSS version 22.0 and qualitative analysis like interview and document analysis. The correlation between independent variables (bank specific and External factor) and dependent variables (nonperforming loan) were tested by using person correlation and the casual relation was analyzed by using linear multiple regression analysis. The finding of the study indicate that credit assessment, project monitoring, credit appraisal, bank top management, political and social instability, availability of infrastructure, collateral strength and market factor are significant factors for occurrence of non-performing loans. However, credit term and condition and lending interest rate are insignificant factor for the occurrence of non-performing loans. Finally, the study recommends the district should perform proper selection of customers and make appropriate due diligence based on KYC assessments, proper monitoring and follow up as per the schedule, make accurate credit appraisal, granting loans via strong collateral coverage, sound decision made by top management based on policy and procedure of the bank, improve capacity of credit performer by providing relevant training.

Credit management and loan portfolio performance in Pride Microfinance Ltd

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Publisher : GRIN Verlag
ISBN 13 : 3668953996
Total Pages : 61 pages
Book Rating : 4.6/5 (689 download)

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Book Synopsis Credit management and loan portfolio performance in Pride Microfinance Ltd by : Yolam Mwembe

Download or read book Credit management and loan portfolio performance in Pride Microfinance Ltd written by Yolam Mwembe and published by GRIN Verlag. This book was released on 2019-06-06 with total page 61 pages. Available in PDF, EPUB and Kindle. Book excerpt: Masterarbeit aus dem Jahr 2019 im Fachbereich BWL - Investition und Finanzierung, , Sprache: Deutsch, Abstract: This study is an assessment of the effect of credit management on loan portfolio performance at Pride Microfinance Ltd, Uganda. Its main emphasis is to examine the effect of credit management policies, credit procedures and credit collection methods on loan portfolio performance. The examination utilized a clear study plan on 309 respondents who were chosen from an investigation populace of 1170 respondents. Interviews and closed-ended questionnaires were used to collect both qualitative and quantitative data. The findings showed that management policies, procedures as well as collection methods were positively correlated with loan portfolio performance. The majority of the variations in loan portfolio performance could be explained by variations in credit management policies, credit management procedures and credit collection methods for their outstanding balances while keeping other factors constant. The investigation demonstrated that credit management policies have a beneficial outcome on loan portfolio performance at Pride Microfinance Ltd. If the strategies are actualized, the foundation can almost certainly recoup the loans dispensed prompting a quality loan portfolio. This paper argues that credit collection methods significantly affect loan portfolio performance and for this reason emphasis needs to be placed on appropriate loan repayment frequency for better portfolio management.

Influence of Credit Risk on the Growth of Microfinance Organizations in Eldoret Municipality (Kenya)

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Publisher : GRIN Verlag
ISBN 13 : 3668714266
Total Pages : 23 pages
Book Rating : 4.6/5 (687 download)

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Book Synopsis Influence of Credit Risk on the Growth of Microfinance Organizations in Eldoret Municipality (Kenya) by : Irene Cheptumo

Download or read book Influence of Credit Risk on the Growth of Microfinance Organizations in Eldoret Municipality (Kenya) written by Irene Cheptumo and published by GRIN Verlag. This book was released on 2018-05-30 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2018 in the subject Economics - Finance, Moi University (Moi University, Kenya; Department of Accounting and Finance), language: English, abstract: The Microfinance Institutions (MFIs) lend small amounts of unsecured loans to poor clients which signify their objectives of improving the social status of the poor while also trying to maximize their returns. Yet, lending by MFIs is a risky venture especially in developing countries because of the susceptibility of their poor clients. This study therefore determined the extent at which strategic credit risk management affect growth of MFIs in the Eldoret Municipality, Kenya. This study used probability clustered random sampling of 12 MFIs in Eldoret municipality to collect primary data and various reports and published work on MFIs between 2010 to 2015 formed the basis of secondary data. The effect of loan default, risk coverage and credit policy on growth of MFIs was measured by profit and outreach respectively. The relationship between of loan default, risk coverage and credit policy and growth was measured using multiple linear regression models. Hausmann test of endogeneity was employed to validate the results. We demonstrate that profit was significantly (p

Effect of Credit Reference Bureau Services on Non-Performing Loan Portfolios in Kenya

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Publisher : GRIN Verlag
ISBN 13 : 3346038289
Total Pages : 85 pages
Book Rating : 4.3/5 (46 download)

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Book Synopsis Effect of Credit Reference Bureau Services on Non-Performing Loan Portfolios in Kenya by : Hilary Omare

Download or read book Effect of Credit Reference Bureau Services on Non-Performing Loan Portfolios in Kenya written by Hilary Omare and published by GRIN Verlag. This book was released on 2019-10-17 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2016 in the subject Business economics - Investment and Finance, , course: Masters of Business Adminstration, language: English, abstract: The research project sought to examine the effect of listing with Credit Reference Bureau service on non-performing loans of deposit taking microfinance institutions in Kenya. The specific objectives were to assess how loan recoveries as a result of listing with credit reference bureau affects non-performing loans by deposit taking microfinance institutions in Kenya and to assess how write offs as a result of listing with credit reference bureau affect non-performing loans by deposit taking microfinance in Kenya. Furthermore to examine how loan quality as a result of listing with credit reference bureau affect non-performing loan in deposit taking microfinance in Kenya and what effect does listing with credit reference bureau has on non-performing loans levels in Deposit Taking Microfinance in Kenya. This research study adopted a descriptive survey approach on effect of listing with Credit Reference Bureau Service on non-performing loans of deposit taking microfinance institutions in Kenya. Further, this study targeted all registered deposit taking microfinance institutions by the Central Bank of Kenya (CBK). Target population was 12 registered Deposit taking microfinance institutions that have listed with Credit Reference Bureaus in Kenya. This study used primary data that was collected by use of a questionnaire. The data was analyzed by use of Descriptive and inferential statistics to measure interrelationships between the variables. Tables were used to display the information to improve presentation of the analyzed results for ease of interpretation. Regression analysis was used to test the relationship between dependent and independent variable. In light of the research findings, the regression model could only explain 52% in variance of non-performing loans. The study results revealed that there was a statistically significant relationship between loan recoveries and non-performance of loans (p=0.000); there was a statistically significant relationship between write offs and non-performance of loans (p=0.000) and that there was a statistically significant relationship between quality loan portfolio and non-performance of loans (p=0.000). Hence, credit information sharing and level of nonperforming loans are indeed related meaning there is a direct relationship between the number of credit checks done by the CRBs and the level of NPLs.

Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited

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Publisher : GRIN Verlag
ISBN 13 : 3668580227
Total Pages : 57 pages
Book Rating : 4.6/5 (685 download)

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Book Synopsis Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited by : Anthony Abaidoo

Download or read book Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited written by Anthony Abaidoo and published by GRIN Verlag. This book was released on 2017-11-27 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2015 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main purpose of this study was to examine the determinants of loan default and its effects on financial performance of commercial banks in Ghana by using Fidelity Bank Limited as a case study. The study employed quantitative and qualitative research techniques as the research design. In achieving the research objectives primary and secondary data was used. The primary data was collected through a well structured questionnaire. Simple random technique was used to select 120 loan clients and a purposive sampling was used to select a credit staff. The data was collected from four branches of Fidelity Bank in the Brong Ahafo Region of Ghana. It was realized that the delays in loan approval, poor management, poor credit appraisal and diversion of loans are the main determinants of loan default in Fidelity bank. The study also found that SME clients (49.5%) defaults more than agric, personal and salary loan clients. The major cause of loan default according to the findings of this study was decrease in demand of goods and service (16.1%) sold by the loan clients. Again, it was realized that loan default has a negative impact on profitability. It is recommended that the following measures should be implemented to reduce the rate of loan default; good credit structuring, consistent monitoring, sound credit risk policies and standards, quality analysis, well trained staff, good corporate governance system, independent credit assessment, rescheduling and provision of additional funds.

Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance

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Publisher : International Monetary Fund
ISBN 13 : 1589063953
Total Pages : 35 pages
Book Rating : 4.5/5 (89 download)

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Book Synopsis Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance by : El Bachir Boukherouaa

Download or read book Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance written by El Bachir Boukherouaa and published by International Monetary Fund. This book was released on 2021-10-22 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.

Emerging Market Bank Lending and Credit Risk Control

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Publisher : Academic Press
ISBN 13 : 0128034475
Total Pages : 738 pages
Book Rating : 4.1/5 (28 download)

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Book Synopsis Emerging Market Bank Lending and Credit Risk Control by : Leonard Onyiriuba

Download or read book Emerging Market Bank Lending and Credit Risk Control written by Leonard Onyiriuba and published by Academic Press. This book was released on 2015-08-03 with total page 738 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using a framework of volatile markets Emerging Market Bank Lending and Credit Risk Control covers the theoretical and practical foundations of contemporary credit risk with implications for bank management. Drawing a direct connection between risk and its effects on credit analysis and decisions, the book discusses how credit risk should be correctly anticipated and its impact mitigated within framework of sound credit culture and process in line with the Basel Accords. This is the only practical book that specifically guides bankers through the analysis and management of the peculiar credit risks of counterparties in emerging economies. Each chapter features a one-page overview that introduces its subject and its outcomes. Chapters include summaries, review questions, references, and endnotes. Emphasizes bank credit risk issues peculiar to emerging economies Explains how to attain asset and portfolio quality through efficient lending and credit risk management in high risk-prone emerging economies Presents a simple structure, devoid of complex models, for creating, assessing and managing credit and portfolio risks in emerging economies Provides credit risk impact mitigation strategies in line with the Basel Accords

Resolving Nonperforming Loans in Sub-Saharan Africa in the Aftermath of the COVID-19 Crisis

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Publisher : International Monetary Fund
ISBN 13 : 1513576518
Total Pages : 85 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis Resolving Nonperforming Loans in Sub-Saharan Africa in the Aftermath of the COVID-19 Crisis by : Luc Eyraud

Download or read book Resolving Nonperforming Loans in Sub-Saharan Africa in the Aftermath of the COVID-19 Crisis written by Luc Eyraud and published by International Monetary Fund. This book was released on 2021-06-08 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sub-Saharan African countries are facing an unprecedented health and economic crisis that is likely to severely hurt credit quality and raise non-performing loans from already high levels. Banks have a critical role to play not only during the crisis by providing temporarily relief to businesses and households, but also during the recovery by supporting economic activity and facilitating the structural transformations engaged by the pandemic.

Credit Risk Management in Ghanaian Commercial Banks

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Publisher : GRIN Verlag
ISBN 13 : 3656397546
Total Pages : 99 pages
Book Rating : 4.6/5 (563 download)

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Book Synopsis Credit Risk Management in Ghanaian Commercial Banks by : Michael Nyarko-Baasi

Download or read book Credit Risk Management in Ghanaian Commercial Banks written by Michael Nyarko-Baasi and published by GRIN Verlag. This book was released on 2013-03-27 with total page 99 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2012 in the subject Business economics - Investment and Finance, grade: B, Methodist University College Ghana, language: English, abstract: This study focused on the challenges of Credit Risk Management in Ghanaian Commercial Banks with the searchlight on the operations of Barclays Bank Ghana (BBG), Ghana Commercial Bank (GCB), Zenith Bank Ghana and Merchant Bank Ghana (MBG), all operating in the Accra Business District. The study essentially had the objective of examining the loan application appraisal processes of these banks as well as ascertaining the adequacy of their loan monitoring mechanism. In conducting the study, the researcher adopted the questionnaire technique as the research instrument to solicit information from both customers and officials of the banks. Purposive sampling technique was employed in selecting officials from the banks whose duties centered on Credit Risk Management. Random sampling technique also helped the researcher in selecting the sample size for the customers of the banks. Findings made uncovered the fact that poor sales and exchange rate losses, product substitutes due to trade liberalization and inability to enter into the foreign market and account for a chuck of the loan default cases experienced by the banks. It is recommended, among others, that the Government’s information on Venture Capital Trust fund should be made more accessible to the SMEs sectors through official sponsored workshops whilst the capacity and logistics of the Eximguaranty Limited are strengthened to alleviate the credit requirement ‘headaches’ of SMEs. Conclusions drawn centered on the fact that some banks minimize risk factors in credit management by entering into some covenants with borrowers’ under which certain figures and ratios are periodically sent to the banks electronically. Most banks also dispatch their officials to monitor and evaluate the loan disbursement schedules agreed with the customer to minimize bad debt associated with SMEs.

Credit Risk Management

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Publisher : Oxford University Press
ISBN 13 : 0199545111
Total Pages : 552 pages
Book Rating : 4.1/5 (995 download)

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Book Synopsis Credit Risk Management by : Tony Van Gestel

Download or read book Credit Risk Management written by Tony Van Gestel and published by Oxford University Press. This book was released on 2009 with total page 552 pages. Available in PDF, EPUB and Kindle. Book excerpt: This first of three volumes on credit risk management, providing a thorough introduction to financial risk management and modelling.

Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch

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Publisher : GRIN Verlag
ISBN 13 : 3668856346
Total Pages : 18 pages
Book Rating : 4.6/5 (688 download)

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Book Synopsis Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch by : Mekuanint Abera Timbula

Download or read book Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch written by Mekuanint Abera Timbula and published by GRIN Verlag. This book was released on 2018-12-19 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: Literature Review from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, Jimma University College of Agriculture and Veterinary Medicine, language: English, abstract: The study was focused on the assessment of credit provision mechanism of development bank of Ethiopia Arbiminch branch. To do so the researcher was used both primary and secondary data, among the primary data interview and questionnaire was used. Secondary data like development bank of Ethiopia Arbaminch branch credit manual, books and other documents was used. The study paper addresses an introductory statement of problem from total population of credit customers of development bank of Ethiopia Arbiminch branch by taking 100 samples through judgmental sampling. The collected data was analyzed and presented using descriptive analysis technique like tables percentages, pie chart, bar graphs. Finally based on findings the possible conclusion and recommendation was developed. The findings of the study indicated that the bank‘s lending procedure has a problem. Such as long processing time, limited loan amount, repetition of documents during renewal, time taking and misunderstanding with the customer as well as the problem on determine the value of collateral security. Key words: Development Bank, credit, Ethiopia

Managing Microfinance Risks

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Publisher :
ISBN 13 :
Total Pages : 46 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Managing Microfinance Risks by : Nimal A. Fernando

Download or read book Managing Microfinance Risks written by Nimal A. Fernando and published by . This book was released on 2008 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Risk Management Strategies and the Role of Senior Managers

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Publisher : GRIN Verlag
ISBN 13 : 3346053962
Total Pages : 26 pages
Book Rating : 4.3/5 (46 download)

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Book Synopsis Risk Management Strategies and the Role of Senior Managers by : Difrine Madara

Download or read book Risk Management Strategies and the Role of Senior Managers written by Difrine Madara and published by GRIN Verlag. This book was released on 2019-11-08 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2018 in the subject Business economics - Business Management, Corporate Governance, grade: A, Kenyatta University, language: English, abstract: Risks are inevitable in any business organisation. In this case, a company must put in place comprehensive measures to address various types of risks that a company may face. A senior manager of any organisation has a significant role to play in designing risk management strategies for the company. This report is, therefore, about the role of senior management in risk assessment, development of the company’s risk management strategy, communication and ressourcing risk management strategies and the evaluation of outcomes. Risk management can be defined as the process of identifying, evaluating and prioritising risks supported by a well-coordinated efficient investment of ressources to minimise, monitor and control the probability of the occurrence of the unfortunate events and maximise attainment of opportunities. Risks originate from several sources, such as uncertainty in the financial markets, threats of project failure, legal issues, accidents, credit risks, and natural occurrences, among others. There are also cases where some events that have never happened before can occur, such as 9/11 terror attacks. These risks are referred to as unforeseeable risks. According to Nassim Taleb, unforeseeable risks are events, which are the rare but high impact on the business or organisation. In the contemporary business environment, inventions, such as social media and natural issues, such as global warming can have a massive impact on business thus the management should prepare for such issues or events appropriately. Risk management, therefore, encompasses strategies adopted by the organisation to ensure that the negative effects of these uncertainties are limited by avoiding, reducing, transferring or accepting the risk. However, risk management initiatives must also consider strategic risks. Basically, strategic risks refer to long-term risks that may arise from long-term decisions taken by the company. That is, a strategic risk refers to potential losses that the company may incur as a result of pursuing wrong business or long-term plans. In this regard, strategic risk management could be described as identifying, assessing and managing risk processes that arise from the company’s business strategy, which includes taking necessary actions if such risks are identified. It encompasses the evaluation of a broad range of probable incidents and circumstances that may disturb the company’s strategy and its performance.

Climate-Related Financial Risks for Kenyan Banks

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Author :
Publisher : Graduate Institute Publications
ISBN 13 : 2940600260
Total Pages : pages
Book Rating : 4.9/5 (46 download)

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Book Synopsis Climate-Related Financial Risks for Kenyan Banks by : Reuben Muhindi Wambui

Download or read book Climate-Related Financial Risks for Kenyan Banks written by Reuben Muhindi Wambui and published by Graduate Institute Publications. This book was released on 2021-04-02 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This study analyses the climate risk exposure of Kenyan banks given the greenhouse gas (GHG) emissions represented by their sectoral loan composition and their relative funding of climate risk through their loan portfolios. This is achieved by constructing two climate-relevant indices: Emissions Exposure (EEi), a measure of a bank’s climate risk exposure through its loan portfolio, and Emissions Funding (EFi), a measure of how much of the climate risk a bank funds through its lending relative to other banks and thus a measure of climate risk importance for each bank. Results from the emissions index show that the banks, with the exception of an outlier, have fairly similar exposure to climate risk through their loan portfolio, given the GHG emissions represented by their sectoral lending. On the funding index, banks have differentiated funding of climate risk through their lending that is fairly proportional to their market shares of gross loans. Thus, larger (smaller) banks have higher (lower) funding of climate-related risk. These two complementary indices provide a first set of quantitative climate-related financial disclosures that are comparable across Kenyan banks. Secondly, the results of this analysis provide decision-useful information for the Central Bank of Kenya (CBK) and other financial regulators to formulate macroeconomic and financial policies that would seek to promote low-carbon transition via the banking industry as a key financial sub-sector. Lastly, the analysis provides a template for industry-wide assessment of climate-related risk for banks in other emerging economies and the approach used for mapping national GHG emissions to bank lending sectors is also a key contribution to the literature on quantifying climate risks for the financial sector. The winning thesis of the 2020 Rudi Dornbusch Prize in International Economics. We extend our heartfelt thanks to the Vahabzadeh Foundation for financially supporting the publication of best works by young researchers of the Graduate Institute, giving a priority to those who have been awarded academic prizes for their master’s dissertations.

Credit Risk & Lenders' Deskmate

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Publisher :
ISBN 13 :
Total Pages : 758 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Credit Risk & Lenders' Deskmate by :

Download or read book Credit Risk & Lenders' Deskmate written by and published by . This book was released on 2000 with total page 758 pages. Available in PDF, EPUB and Kindle. Book excerpt: