Browsing by Author "Opare, Eric"

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    “Assessing the factors influencing the performance of loans of Commercial Banks in Ghana” Case study of HFC Bank
    (MAY, 2016.) Opare, Eric
    This study assessed the factors that influence loan performance of commercial banks in Ghana using HFC as a case study. The sample period used for the study was based on a quarterly data from 2008 to 2015. Two separate models were used to determine the effects of banks’ specific factors and macroeconomic variables on loan performance. 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 suggest that macroeconomic factors that influence loan performance are inflation and T-bill whiles banks’ specific factors are, bank’s loan interest rate, loan to asset ratio and banks loan loss provision over reserve. These therefore show that macroeconomic instabilities and banks specific factors do have significant impact on loan performance. Hence there is the need for bank management and policy makers to undertake policies that can ensure efficiency in banks loan performance.
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    The Effect of Bank Specific Factors on Loan Performance of HFC Bank in Ghana
    (International Journal of Economics and Finance, 2016-06-25) Ofori-Abebrese, Grace; Pickson, Robert Becker; Opare, Eric
    The 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. Keywords
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    Macroeconomic Factors and the Performance of Loans of Commercial Banks in Ghana: A Case Study of HFC Bank
    (European Journal of Economics, Finance and Administrative Sciences, 2016-06) Ofori-Abebrese, Grace; Pickson, Robert Becker; Opare, Eric
    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.