dc.contributor.author | Gichimu, Shem | |
dc.date.accessioned | 2013-11-26T08:32:42Z | |
dc.date.available | 2013-11-26T08:32:42Z | |
dc.date.issued | 2013-11 | |
dc.identifier.citation | Degree Of Master Of Business Administration | en |
dc.identifier.uri | http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/60387 | |
dc.description | A research project submitted in partial fulfillment of
The requirements for the award of the degree of
Master of business administration (MBA), school of
Business, university of Nairobi | en |
dc.description.abstract | The Higher Education Loans Board (HELB) has been experiencing a problem of
uncertainty when allocating funds and when recovering the loans from students who
pursue higher education. This study sought to determine the effect of the Credit
Reference Bureaus on loan advancement and recovery at the HELB, in Kenya. The
study adopted a case study design. The study used an interview guide to collect data
from the managers of departments at the HELB headquarters in Nairobi. The study
found that the information obtained from the CRBs facilitates easy verification of the
students loan details, certification of the guarantors, helps in assessing the ability of the
loanees’ guarantors to pay in case the loanees defaults the loan, and saves time when
processing loans. The use of CRBs services has been very beneficial to the HELB as it
has increased efficiency while saving time consumed when processing loans. The CRB
services have also been of great value to the HELB as it avails information which would
otherwise be hard to get. This helps in loan processing and determination of the amount
of funds to be award to students. The use of the CRB services facilitates has also led to
increase of recovery figures, helps to identify hidden and unidentified loan defaulters
and reduces credit risks associated with loan defaults at the HELB. The study
recommended that the CRBs create awareness to other financial institutions on the
importance of adoption of their services, in order to make consumers aware of their role
in increasing price competitiveness of credit facilities by adopting good credit
behaviour among consumers and lowering default rates on loans. | en |
dc.language.iso | en | en |
dc.publisher | University of Nairobi | en |
dc.title | Credit Reference Bureaus, Loans Advancement and Recovery Performance by the Higher Education Loans Board of Kenya | en |
dc.type | Thesis | en |
local.publisher | School of Business | en |