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Please use this identifier to cite or link to this item: http://hdl.handle.net/123456789/11267

Title: Macroeconomic Factors and the Performance of Loans of Commercial Banks in Ghana: A Case Study of HFC Bank
Authors: Ofori-Abebrese, Grace
Pickson, Robert Becker
Opare, Eric
Keywords: Loan performance
Treasury bill
Macroeconomic variables
Issue Date: Jun-2016
Publisher: European Journal of Economics, Finance and Administrative Sciences
Citation: European Journal of Economics, Finance and Administrative Sciences Issue 87
Abstract: With the increasing rate of default of loans in the country, this study assessed the macroeconomic factors that influence loan performance of commercial banks in Ghana using HFC bank as a case study. The sample period used for the study was based on a quarterly data from 2008 to 2015. Using the ARDL bounds test of co-integration as an estimation technique, the results showed evidence of long run relationship among the variables. The results suggested that macroeconomic factors that influenced loan performance were inflation and T-bills. These therefore show that macroeconomic instabilities do have significant impact on loan performance. Hence, there is the need for policy makers to manage the economy well, embark on fiscal discipline and reduce government domestic borrowing to reduce Treasury bill rates in order to improve on loan performance.
Description: Article published in the European Journal of Economics, Finance and Administrative Sciences, 2016
URI: http://hdl.handle.net/123456789/11267
ISSN: 1450-2275
Appears in Collections:College of Arts and Social Sciences

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