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|Title: ||An Appraisal of Credit Risk Management: Case Study of Procredit Savings and Loans|
|Authors: ||Kyei, Michael Nti|
|Issue Date: ||19-Aug-2008|
|Series/Report no.: ||4848;|
|Abstract: ||A general introduction to the topic "An Appraisal of Credit Management: Case Study of ProCredit Savings and Loans Limited" was given in chapter one. The study sought to identify factors affecting savings mobilization and lending; credit management, assets and operational efficiency of procedures and appropriate recommendations.
The main findings were that there was a high level of satisfaction among the clientele of ProCredit Savings Limited. Asset quality was found to be better than the ideal as proposed in the Basel 2 recommendations. This was due to timely delivery of credit facilities and good monitoring at the branch level. Increasingly, customers are placing much emphasis on easy
access to their accounts (proximity), gopd service delivery (customer care) and good credit
delivery in their objective choice of bank. These take premium over interest rates charged/paid by the financial institution. ProCredit uses collateral as loan security and holds a large number of well diversified credit portfolio. Loan sizes are kept very small with emphasis on the very small, small and medium size enterprises.
In all, the findings indicate that ProCredit is doing better in terms of deposit mobilization, credit delivery, asset quality and profitability than most Savings &Loans in the country. In view of this, recommendations were made to help solve identified challenges in the research findings. Among the recommendations are that credit delivery should be improved, the need for networking of all branches and the provision of adequate ATMs to make accessibility to customers accounts easy.|
|Description: ||A thesis submitted to College of Arts and Social Sciences in partial fulfilment of the requirements for the degree of Master of Business Administration (MBA), 2008|
|Appears in Collections:||College of Arts and Social Sciences|
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