TY  - BOOK
AU  - YOUTE,YOUTE
AU  - Supervisor: Rjoub,Husam
TI  - THE EFFECT OF CREDIT RISK MANAGEMENT ON THE LENDING PORTFOLIO OF SAVING AND CREDIT INSTITUTIONS IN CAMEROON
KW  - Loan hazard administration/credit risk management
KW  - Lending/loaning portfolio
KW  - Risk management
KW  - Financial institutions/establishments
KW  - Loan/credit
N1  - Includes CD; Thesis (MSc) - CYPRUS INTERNATIONAL UNIVERSITY INSTITUTE OF GRADUATE STUDIES AND RESEARCH ACCOUNTING AND FINANCE DEPARTMENT; Includes REFERENCES: sheets 43-46
N2  - ABSTRACT This study has as purpose to investigate the impact of loan hazard administration instrument on the loaning portfolio of twenty-one saving and lending institutions in Cameroon. The investigation thus, analyzed the loan hazard administration mechanism among savings and lending institutions with the aim of helping the sector address this problem. The investigation was purposively utilizing both essential and optional wellsprings of information. Information was analyzed with the assistance of SPSS. It was found that the bank manages risk in its credit supply through its credit policy. Consequently, the bank has maintained significant adherence to official implemented rules and procedures established by the top managerial committees on the most proficient method to oversee lending, including the process of credit granting. Generally, the bank 's lending principles determine the standard of the required creditworthy client to be qualify for credit. Again, banks considered collaterals to be very important in the lending process. During hazard administration, banks consequently exercises necessary due diligence in assessing collaterals that have been provided by prospective clients or even existing ones. The investigation found that banks administration of loan hazard is confronted by a number of challenges identified to include: the credit complexity, monitoring and reporting as well as managing the credit origination process. Key recommendations included the need for savings and lending institutions to strengthen and stick to their established approaches and rules that have been implemented. Again, necessary due diligence should be undertaken by credit officers to ensure that collateral properties are not the subject of intense litigation. This will help the bank in the event that it has to dispose it off to offset default. Further, there is the need for savings and loaning establishments to invest in risk management system that has good capability to maintain and archive the customer static data. Key words: Loan hazard administration/credit risk management, Lending/loaning portfolio, Risk management, Financial institutions/establishments, Loan/credit
ER  -