Kinyanjui, Esther Njeri2021-04-062021-04-062014-06Kinyanjui, 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, Nairobihttps://repository.daystar.ac.ke/handle/123456789/3526Master of Business Administration in Strategic ManagementThe 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.enCredit Reference BureausCredit Risk Management StrategySelected Commercial Banks in KenyaThesis