The Effectiveness of Credit Reference Bureaus as a Credit Risk Management Strategy: A Case of Selected Commercial Banks in Kenya

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The Effectiveness of Credit Reference Bureaus as a Credit Risk Management Strategy: A Case of Selected Commercial Banks in Kenya

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dc.contributor.author Kinyanjui, Esther Njeri
dc.date.accessioned 2021-04-06T15:35:39Z
dc.date.available 2021-04-06T15:35:39Z
dc.date.issued 2014-06
dc.identifier.citation Kinyanjui, E. N, (2014), The Effectiveness of Credit Reference Bureaus as a Credit Risk Management Strategy: A Case of Selected Commercial Banks in Kenya: Daystar University, School of Business and Economics, Nairobi en_US
dc.identifier.uri http://repository.daystar.ac.ke/xmlui/handle/123456789/3526
dc.description Master of Business Administration in Strategic Management en_US
dc.description.abstract The objectives of this study were to determine the importance of information provided by credit reference bureaus in managing credit risk, to establish the factors influencing effectiveness of credit reference bureaus as a strategy to credit risk management and to determine the effect of credit reference bureaus as a strategy to credit risk management by the commercial banks in Kenya. This study used descriptive survey research design approach. The target population was 42 commercial banks in Kenya while the respondents (unit of analysis) were 84 credit managers in the banks. Through census, the study reached 84 respondents in all the commercial banks headquarters in Nairobi. The method of data collection was through questionnaires. The collected data was analysed using Statistical Package for Social Sciences (SPSS) and findings presented using descriptive statistical tools namely graphical presentation, ratios, percentages and tabulation. Overall, the study found that CRBs activities had a positive effect towards credit risk management by commercial banks and majority of the banks relied on the information provided. Additionally, the study established that credit information sharing led to a significant reduction in non-performing loans. The recommendations for this study are that CRBs managers must always incorporate the regulations and laws from CBK as regards their operations while ensuring that the right management approaches are applied through continuous training and development. en_US
dc.description.sponsorship Daystar University, School of Business and Economics en_US
dc.language.iso en en_US
dc.publisher Daystar University, School of Business and Economics en_US
dc.subject Credit Reference Bureaus en_US
dc.subject Credit Risk Management Strategy en_US
dc.subject Selected Commercial Banks in Kenya en_US
dc.title The Effectiveness of Credit Reference Bureaus as a Credit Risk Management Strategy: A Case of Selected Commercial Banks in Kenya en_US
dc.type Thesis en_US


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