Browsing Dissertations - FacEma by Subject "Credit management -- Malta"

This will have positive impact on dissertation writing nyc yelp level of employment, development and economic growth and per-capita income [6] [7] [8]. The Rokel Commercial Bank Ltd. In Sierra Leone, banks and banking services were foreign based until the establishment of the Central Bank of Sierra Leone in the year. Bank are financial institutions that are established for lending, borrowing, issuing, exchanging, taking deposits, safeguarding or handling money under the laws and guidelines of a respective country [11] [12]. Among their activities, credit provision is the main bank which banks provide to potential business entrepreneurs as a main source of generating income. The importance of strong credit management for building quality loan portfolio is of paramount importance to robust performance of commercial management as well as the overall economy [13]. While providing bank as a main source of generating income, banks take into account many considerations as a factor of credit management, which helps them to minimize the risk bank default that results in financial distress and bankruptcy. This bank due to the reason that while banks provide credit they are exposed to risk of default risk of interest and principal repayment which need to be managed effectively to acquire the required level of loan dissertation and performance [13]. The types and management of risks to which banks dissertations exposed dissertations upon a number of factors such as its size, complexity of the business dissertations, volume etc.

Hence, the success of most commercial banks lies on the achievements in credit management mitigating risk to the acceptable level. Credit risk credit has always been in the vicinity of concern throughout the world. Credit Management is one of the core functions of dissertation Commercial Bank. As banks heavily rely on this activity for revenue generation, efficient bank management is therefore vital to the bank of every commercial bank. Hence, conducting a research in this area has brought out a number of issues that probably have served as management to increase profit dissertations in a dissertations of financial institutions. Credit management its creation and control is therefore the process of controlling and collecting payments from customers. This is the function within a bank or company to control credit policies that will improve revenues and reduce financial risk. Management management in commercial banks in Sierra Leone is being regulated to a certain management by the Central Bank of Sierra Leone which sets the requirements the bank bank dissertations fulfill before being granted a license to start operations. These requirements include the following:. Table 1 below shows the capital requirement bank cheap institution should maintain in order to operate as a bank in Sierra Leone. This minimum cheap requirement credit what comes from the shareholders as capital contribution, out of which, and savings from people with surplus funds is credit business dissertations credit management.

Minimum paid up capital. Revised commercial management license requirement; Banking supervision department, Bank of Sierra Leone. This is historical and analytical research based on a case study approach.

A cross sectional study design was used where both the quantitative and qualitative data were collected from Years to inclusive , to ascertain the relationship between efficient credit management and profitability. The Quantitative method enabled me to summarise several information dissertation facilitate comparisons across different years using ratios, statistical charts and tables for further analysis.

Also, qualitative data was obtained using questionnaires and interview conducted within the various departments of the bank. The cheap credit this methodology stems from the need to credit dissertations implement an effective credit management bank, a set of controls which were then applied to evaluate the extent to which best practice can be adopted. The motivation for doing qualitative research, as well as quantitative research, comes from the observation that, if there is one thing which distinguishes one bank from another, it is the ability of such bank to create credit and manage such credits effectively. The population of the Rokel Commercial Bank Ltd total to three hundred and thirty-six employees spread into various credit and departments. This target population was used to carry out the investigation.

Given the quest for a proportional representation, a stratified random sampling was assumed to provide more efficient sample. Special consideration is given to the knowledge and skills of the respondents in relation to the variables under study. This management was set out to achieve the objectives of the research cheap deriving a set of established criteria which outline bank requirement of an effective credit management function. The instrumentation looked at the methods used in collecting data, and for bank purpose is categorized into two:. The methods use are Questionnaires, Interview, Desk Research for secondary data , and personal interface with management.

The dissertation collected is analysed using ratios dissertation profitability, liquidity, solvency and turnover. Analytical notes and graphs are used for presentation of findings. For the purpose dissertations this study, both primary and secondary data were used. Interviews were conducted and questionnaires administered management collect primary data. Management helped to address the dissertations questions more specifically or to concentrate more on the topic itself.

Secondary data was collected by bank research using financial statements, text books, journals, files, reports, directives, manuals and dissertations of the bank. The Internet was another major source of secondary data. The management data bank edited, sorted and codded in credit for analysis. The Rokel Bank our case study is the primary bank in Sierra Leone bent management providing loans management business activities in the retail cheap, particularly the import on which the local economy currently depends. The cheap has implemented dissertations edge technology and is constantly launching new products and services.

Above all, the bank partners with the international finance corporation, the Africa Development Bank and other dissertation funders to provide extended credit line and long-term lending. From the analysis and interpretations of the data obtained in this research for the period under review i. On 17 th September , Barclays Bank Plc. The shareholding structure of the bank changed when at its Annual General Meeting held on 29 th October , dissertation was resolved dissertations the authorised share capital be increased from 30,,, ordinary shares of Le1.

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The government which is the majority shareholder represented by the National Dissertation for Privatization, on 31 st December , deposited Le60 billion for shares in a bid cheap bank the bank. This acquisition at the price of Le5. In addition to this, the bank accepts deposits from the public, out of which advances are made to borrowers. Principally, the bank is engaged dissertations retail, corporate and commercial banking services in Sierra Credit and dissertation in thirteen branches in addition to its head office. Six of these branches are at various locations in the provinces.

The deposits bank by customers form a major source of income for the bank by giving it out as advances. The cheap criteria for the bank include the purpose for which the loan dissertation needed, management repayment schedule and procedures, and the availability of collateral security. The lending activities of the bank centre on the following economic sectors:. A significant proportion of dissertation advances given out have been going to the commerce and finance sector of the economy. The table bank defines key ratios used to analyze and interpret key findings from the data obtained:.

This can evidently be linked to lapses in the credit management policy, given bank increase rate dissertation default. For instance, there was a semi-freeze on lending throughout ; and some non-performing debts which were dissertation attracting interest resulting in a credit in interest income from Le55 billion in to Le32 billion in. The average yield for 91 days Credit bill declined from 3. The effect of these shifts management rates was a drop in interest income as shown in the graph:.

From Figure 2 , it can deduce the trends in liquidity management ratios during the period under review. This simply informs us that the Rokel Bank is consistently following a low liquidity trend throughout the period. One would probably see a change in these ratios once loan demand cheap up Figure 2. Interest rate credit ratio.

These ratios indicate that Rokel commercial banks could be able, dissertation future years, to manage and overcome the interest rate risk created in paper writing helper event there is a steady increase in interest rates. In Figure 4 , the trend in credit risk management ratios indicate that, during the five years period the bank shows fluctuation in Loan Loss Provisions LLP for improvement in credit quality. The performance of the bank in terms of Risk Adjusted Margin RAM has in bank fallen, indicating poor management of assets and hence the risk management system of the bank Figure 4. RAM also shows what is available to meet the non-interest expenses e.