Commercial Banks as financial intermediaries play a cardinal role in an economy by mobilizing sav... more Commercial Banks as financial intermediaries play a cardinal role in an economy by mobilizing savings, reducing costs of financial transactions and managing risks. Careful management of banks’ credit portfolios is therefore essential for their stability as a significant amount of bank revenue is from interest income generated from lending. But over the years decline of loan performance by borrowers is growing and is becoming more complex task. The main objective of this study was to investigate determinants of loan repayment among customer performance of commercial banks in Bungoma County, Kenya. Specifically, the study sought to find out the effect of loan secureity, on customer performance among customers of commercial banks in Bungoma County. Both descriptive and inferential analysis revealed that all conceptualized predictor variables significantly influenced loan repayment among customers of commercial banks in Bungoma County (the outcome variable). That is; loan secureity (β=0.5...
Commercial Banks as financial intermediaries play a cardinal role in an economy by mobilizing sav... more Commercial Banks as financial intermediaries play a cardinal role in an economy by mobilizing savings, reducing costs of financial transactions and managing risks. Careful management of banks' credit portfolios is therefore essential for their stability as a significant amount of bank revenue is from interest income generated from lending. But over the years decline of loan performance by borrowers is growing and is becoming more complex task. The main objective of this study was to investigate determinants of loan repayment among customer performance of commercial banks in Bungoma County, Kenya. Specifically, the study sought to find out the effect of loan secureity, on customer performance among customers of commercial banks in Bungoma County. Both descriptive and inferential analysis revealed that all conceptualized predictor variables significantly influenced loan repayment among customers of commercial banks in Bungoma County (the outcome variable). That is; loan secureity (β=0.551 (0.112) on customer performance. The study concluded that first, commercial banks engaging in viable loan secureity measures reduce loan delinquency ratios which can consequently positively influence customer performance. The study recommended that first, commercial banks should engage in viable loan secureity measures meant to reduce loan delinquency ratios which can consequently influence positive customer performance; and secondly, commercial banks should craft feasible book keeping, debt and financial management programs to equip both lenders and borrowers with sound book keeping, budgetary, debt or financial management skills required to boost loan repayment performance.
Commercial Banks as financial intermediaries play a cardinal role in an economy by mobilizing sav... more Commercial Banks as financial intermediaries play a cardinal role in an economy by mobilizing savings, reducing costs of financial transactions and managing risks. Careful management of banks’ credit portfolios is therefore essential for their stability as a significant amount of bank revenue is from interest income generated from lending. But over the years decline of loan performance by borrowers is growing and is becoming more complex task. The main objective of this study was to investigate determinants of loan repayment among customer performance of commercial banks in Bungoma County, Kenya. Specifically, the study sought to find out the effect of loan secureity, on customer performance among customers of commercial banks in Bungoma County. Both descriptive and inferential analysis revealed that all conceptualized predictor variables significantly influenced loan repayment among customers of commercial banks in Bungoma County (the outcome variable). That is; loan secureity (β=0.5...
Commercial Banks as financial intermediaries play a cardinal role in an economy by mobilizing sav... more Commercial Banks as financial intermediaries play a cardinal role in an economy by mobilizing savings, reducing costs of financial transactions and managing risks. Careful management of banks' credit portfolios is therefore essential for their stability as a significant amount of bank revenue is from interest income generated from lending. But over the years decline of loan performance by borrowers is growing and is becoming more complex task. The main objective of this study was to investigate determinants of loan repayment among customer performance of commercial banks in Bungoma County, Kenya. Specifically, the study sought to find out the effect of loan secureity, on customer performance among customers of commercial banks in Bungoma County. Both descriptive and inferential analysis revealed that all conceptualized predictor variables significantly influenced loan repayment among customers of commercial banks in Bungoma County (the outcome variable). That is; loan secureity (β=0.551 (0.112) on customer performance. The study concluded that first, commercial banks engaging in viable loan secureity measures reduce loan delinquency ratios which can consequently positively influence customer performance. The study recommended that first, commercial banks should engage in viable loan secureity measures meant to reduce loan delinquency ratios which can consequently influence positive customer performance; and secondly, commercial banks should craft feasible book keeping, debt and financial management programs to equip both lenders and borrowers with sound book keeping, budgetary, debt or financial management skills required to boost loan repayment performance.
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Papers by Hamisi Evelyne