The Effect of Bank Specific Factors on Loan Performance of HFC Bank in Ghana

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dc.contributor.authorOfori-Abebrese, Grace
dc.contributor.authorPickson, Robert Becker
dc.contributor.authorOpare, Eric
dc.date.accessioned2018-06-04T12:26:51Z
dc.date.accessioned2023-04-19T00:36:33Z
dc.date.available2018-06-04T12:26:51Z
dc.date.available2023-04-19T00:36:33Z
dc.date.issued2016-06-25
dc.descriptionArticle published in the International Journal of Economics and Finance, 2016 found at doi:10.5539/ijef.v8n7p185en_US
dc.description.abstractThe default rate of loan in the country has been on the increase and worrying to all in recent times. This study assessed the effect of bank specific factors on the loan performance in HFC Bank in Ghana. The sample period used for the study was based on a quarterly data from 2008 to 2015. The study employed the ARDL bounds test of co-integration as an estimation technique to show the evidence of long run relationship among the variables. The study found bank’s loan interest rate, loan to asset ratio and bank’s loan loss provision over reserve as bank specific factors that influenced loan performance. These therefore showed that bank specific factors do have significant impact on loan performance. Hence, there is the need for bank management and regulators to undertake policies that can ensure efficiency in banks’ operations. Keywordsen_US
dc.description.sponsorshipKNUSTen_US
dc.identifier.citationInternational Journal of Economics and Finance; Vol. 8, No. 7; 2016en_US
dc.identifier.issn1916-971X
dc.identifier.urihttps://ir.knust.edu.gh/handle/123456789/11261
dc.language.isoenen_US
dc.publisherInternational Journal of Economics and Financeen_US
dc.subjectloan performanceen_US
dc.subjectloan to asset ratioen_US
dc.subjectloan loss provisionsen_US
dc.subjectbank’s loan interest rateen_US
dc.subjectloan performance, loan to asset ratio, loan loss provisions, bank’s loan interest rateen_US
dc.subjectloan performance, loan to asset ratio, loan loss provisions, bank’s loan interest rateen_US
dc.titleThe Effect of Bank Specific Factors on Loan Performance of HFC Bank in Ghanaen_US
dc.typeArticleen_US
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