The Relationship Between Child Witness Testifying in Court and Panic Attack a Case Study of the Kenyan High Court

Abstract

The objective of this study was to determine if credit risk management practices affects quality of loan portfolio among commercial banks regulated by CBK. This investigation was performed with a goal of determining how identification of credit risk, analysis and assessment of risk from credit, monitoring of risk from credit and credit approval/sanction influence quality of loan portfolio of licensed banks in Kenya. The study was performed using a descriptive research design that enables the researcher to establish if there is existence of relationship between management of risk from lending and quality of loan portfolio. The study was performed on all the licensed 42 commercial banks in Kenya with a response rate of 100%. Data for this study was assembled from field by administering questionnaires and analysis done using SPSS. The overall outcome and conclusion of the investigation was that the credit risk management practices in this investigation are highly substantial predictors of quality of loans portfolio among commercial banks in Kenya. The identification of risk from credit, analysis and assessment of risk from credit, monitoring of risk from credit and credit approval/sanction were determined to be of substance in explaining quality of loans portfolio among banks in Kenya. As per outcome of this investigation, another study can be performed for banks in developed world with a larger population to augment on study findings. A similar study can also be commissioned locally with a broad variable of practices for managing credit risk that affect loans quality of banks in Kenya. Good management of risk from lending is an important pillar of banks operations in Kenya and by extension a key pillar to financial success and stability. This investigation recommends that commercial banks need to enhance their methodologies of identifying risk from credit, analysis of risk arising from credits, proper monitoring of credit offered to clients and credit approval to improve on their loan portfolio.