The Role of Credit Management in the Issue of Bad Debt in Nigerian’s Commercial Bank

Oyerinde, Abisola Abiola (2022) The Role of Credit Management in the Issue of Bad Debt in Nigerian’s Commercial Bank. Masters thesis, Dublin, National College of Ireland.

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Abstract

The study investigated how banks handled loans, advances, and bank recoveries. It also examined how credit evaluation affected the amount of bad debt that banks held as well as how bad debts affected bank profitability in Nigeria. This was done to evaluate how credit management affected the problem with bad debt that Nigerian commercial banks were dealing with.

Questionnaires were used to collect the study's primary data. The online Google Form application was used to distribute the questionnaires, and 102 respondents responded. The responses were gathered for data analysis.

The results show that several tactics, including credit terms and customer risk assessment, can help prevent bad debts.

According to the study, an effective credit management system entails creating a suitable credit risk environment, operating under a sound credit granting process, and maintaining an appropriate credit administration that includes monitoring, processing, and adequate credit risk controls. This is important for dealing with and controlling bad debt issues as well as helping to measure and optimize bank profitability.

Item Type:	Thesis (Masters)
Subjects:	D History General and Old World > DT Africa H Social Sciences > HG Finance > Banking H Social Sciences > HG Finance > Credit. Debt. Loans.
Divisions:	School of Business > Master of Science in Finance
Depositing User:	Clara Chan
Date Deposited:	26 Oct 2022 11:29
Last Modified:	26 Oct 2022 11:29
URI:	https://norma.ncirl.ie/id/eprint/5827

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