CREDIT RISK MANAGEMENT AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN UGANDA
| dc.contributor.author | OPIO JOREEM ALLAN | |
| dc.date.accessioned | 2025-09-15T14:06:57Z | |
| dc.date.available | 2025-09-15T14:06:57Z | |
| dc.date.issued | 2025-09-12 | |
| dc.description | UNDERGRADUATE | |
| dc.description.abstract | This study investigated the effect of credit risk management on the financial performance of commercial banks in Uganda, focusing on ABSA Bank, Mukono District. The banking sector played a vital role in economic growth of a country like Uganda, but rising non-performing loans (NPLs) due to weak risk management practices hence leading to significant challenges, as evidenced by historical bank failures for example Crane Bank in 2016. The main objective was to examine how credit policies, credit appraisal, and credit monitoring influenced financial performance, measured by Return on Assets (ROA) and Return on Equity (ROE). A quantitative cross-sectional design was utilized, with data collected from 22 employees using structured questionnaires. Findings revealed strong positive correlations between credit policies, credit appraisal, credit monitoring, and financial performance. Multiple regression analysis confirmed a significant combined effect, with credit policies exerting the greatest influence. The study recommended strengthening credit policies through regular updates, enhancing staff training for improved appraisal and monitoring, and ensuring independent monitoring systems to boost profitability and financial stability. Further research was suggested to explore the integration of digital technologies, such as artificial intelligence, in credit risk management to enhance efficiency and accuracy. | |
| dc.identifier.uri | https://hdl.handle.net/20.500.12311/2954 | |
| dc.language.iso | en | |
| dc.publisher | UGANDA CHRISTIAN UNIVERSITY | |
| dc.title | CREDIT RISK MANAGEMENT AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN UGANDA | |
| dc.type | Thesis |