000			03329nam a22002777a 4500
003			KOHA
005			20230320111038.0
008			230320d2023 cy ||||| m||| 00| 0 eng d
040			_aCY-NiCIU _beng _cCY-NiCIU _erda
041			_aeng
090			_aYL 2743 _bC43 2023
100	1		_aCharone, Djoufack Tsafack Veroviane
245	1	4	_aTHE IMPACT OF CREDIT RISK MANAGEMENT ON THE FINANCIAL PERFORMANCE OF FINANCIAL INSTITUTIONS IN NIGERIA / _cDJOUFACK TSAFACK VEROVIANE CHARONE; SUPERVISOR: ASST. PROF. DR. MURAD ABDURAHMAN BEIN
264			_c2023
300			_a59 sheets; _c31 cm. _eIncludes CD
336			_2rdacontent _atext _btxt
337			_2rdamedia _aunmediated _bn
338			_2rdacarrier _avolume _bnc
502			_aThesis (MSc) - Cyprus International University. Institute of Graduate Studies and Research Accounting and Finance Department
504			_aIncludes bibliography (sheets 44-48)
520			_aABSTRACT The banking industry has grown significantly in the Nigerian economy, and it now has a significant effect on the provision of credit. Credit risks, or the danger of accruing losses as a consequence of debtors' failure to repay loans or other types of credit, are most commonly faced in the financial industry, notably by organizations such as banks. Lending is the lifeblood of the banking sector, and loans and advances are the most valuable assets since they account for the majority of operational revenue. Loans, on the other hand, put banks in the highest danger. The purpose of the study was to find out the impact of credit risk management on the financial performance of financial institutions listed on the Nigerian stock market. A purpose sampling method was used to select eleven (11) financial institutions listed in the Nigerian stock market from the period of 2006 to 2021. The Stata software was used to analyses the panel data collected into pooled, fixed, and random effects. The study revealed that the non-performing loan ratio, deposits to asset ratio, loan to deposit ratio, capital adequacy ratio, and deposit growth have a positive effect on ROA. The study found that non-performing loans, deposits to asset ratio, loan to deposit ratio, and capital adequacy ratio all have a positive effect on ROE. It was found that loan to-asset, the age, and the size of the financial institutions have a negative effect on ROA. It was found that the age of the financial institution had a statistically significant effect on the return on equity (ROE). Banks' use of in-dept23h credit evaluation during the lending process helps shape a strategy that does more than just lower credit risk; it also boosts performance and competitiveness. There is a positive effect of nonperforming loans on the economy as a whole, not only on bank earnings. So, Nigeria's governing bodies need to come up with ways to improve credit risk management and slow the growth of loans that aren't being paid back in the banking sector. Keywords: Credit risk management, Deposit to asset ratio, financial performance, financial institutions, Nigeria
650		0	_aRisk management _vDissertations, Academic _zNigeria
650		0	_aFinancial institutions _vDissertations, Academic _zNigeria
700	1		_aBein, Murad Abdurahman _esupervisor
942			_2ddc _cTS
999			_c289989 _d289989