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Credit information sharing and performance of Commercial banks in Kenya

机译:肯尼亚商业银行的信用信息共享和绩效

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摘要

Commercial Banks are in the business of mobilizing and lending financial resources toudborrowers. In the process of providing financial services, they assume various kinds ofudfinancial risks which affect their performance. Various studies have been done onuddeterminants and measurement of bank performance. However, little research studies haveudbeen done on effects of credit information sharing on performance of commercial banks inudKenya. This research study was undertaken to establish how the diffusion of informationudsharing has affected performance of commercial banks in Kenya. The main objective of thisudstudy was to establish the relationship between credit information sharing and performanceudof commercial banks in Kenya. Specific objectives were: to determine the effect of creditudinformation sharing on non-performing loans portfolio, to evaluate the effect of creditudinformation sharing on volume of lending, to establish the effect of credit informationudsharing on the level of interest rates and to determine the effect of credit information sharingudon operating costs. The target population of this study was all credit managers of all the 43udlicensed commercial banks in Kenya. The study adopted census survey of the all the banksudlicensed under the Banking act (Cap 488 Laws of Kenya). The study used primary data andudsecondary data. Primary data was collected using questionnaires which were administeredudusing drop and pick method. Secondary data was collected from Central Bank Supervisionudreports and annual audited reports of commercial banks. Data was analyzed using bothuddescriptive and inferential statistics. The data collected was analyzed using multipleudregression analysis. The regression output was obtained using Statistical Package for SocialudSciences (SPSS version 18) and computation of financial ratios from the financial statementsudand hence the interpretation of the study model. The study used both qualitative andudquantitative data. Qualitative data was analyzed using interpretive approach which includedudsorting and coding raw data and use of SPSS. Quantitative data was analysed using multipleudregression technique between variables which showed that the variables under study wereudsignificant in explaining the relationship between credit information sharing and bankudperformance. The study found that there are systematic written down steps in the handling ofuddefaulting customers in the commercial banks in Kenya and that most commercial banksudutilize information from reference bureaus in appraising the customer credit. The studyudfurther revealed that central bank rate is the major factor that affects the pricing of loans inudKenya. The study established that non-performing loans, volume of lending, level of interestudrate and operating costs significantly affect the performance of commercial banks in Kenya.udThe study concluded that there was inadequate information sharing among commercial banksudin Kenya and recommends that central bank should roll out CIS mechanism to all financialudsectors like SACCOs and NBFs and also improves CIS mechanisms in Kenya by enacting audbetter legal framework.
机译:商业银行从事向借款人调动和借出财务资源的业务。在提供金融服务的过程中,他们承担着各种影响其绩效的 udf财务风险。关于决定因素和银行绩效的测量已经进行了各种研究。但是,关于信用信息共享对肯尼亚商业银行绩效的影响的研究很少。进行这项研究是为了确定信息共享的扩散如何影响肯尼亚商业银行的绩效。本研究的主要目的是建立信贷信息共享与肯尼亚商业银行绩效之间的关系。具体目标是:确定信贷信息共享对不良贷款组合的影响,评估信贷信息共享对放贷量的影响,确定信贷信息共享对利率水平和利率的影响。确定信用信息共享 udon运营成本的效果。这项研究的目标人群是肯尼亚所有43家获得许可的商业银行的所有信贷经理。该研究对所有根据《银行法》(肯尼亚第488章法律)获得过执照的银行进行了普查。该研究使用了主要数据和辅助数据。使用调查表收集原始数据,该调查表通过拖放方式进行管理。次级数据是从中央银行监督报告/商业报告的年度审计报告中收集的。使用描述性和推断性统计数据对数据进行了分析。使用多元回归分析对收集的数据进行分析。使用社会 udSciences统计软件包(SPSS 18版)和财务报表 ud的财务比率计算来获得回归输出,从而解释研究模型。该研究使用了定性和定量的数据。使用解释性方法分析定性数据,包括对原始数据进行分类和编码以及SPSS的使用。使用变量之间的多元回归分析技术对定量数据进行分析,结果表明,所研究的变量对于解释信用信息共享与银行绩效之间的关系具有重要意义。该研究发现,在肯尼亚商业银行处理 uddefault客户中,有系统的书面步骤,大多数商业银行在评估客户信用时会利用参考机构的信息。研究进一步发现,中央银行的利率是影响肯尼亚的贷款定价的主要因素。该研究表明,不良贷款,贷款量,利息水平/利率和运营成本会严重影响肯尼亚商业银行的绩效。 ud研究得出结论,肯尼亚商业银行之间的信息共享不足,建议中央银行应向SACCO和NBF之类的所有金融部门推广独联体机制,并通过制定更好的法律框架来改善肯尼亚的独联体机制。

著录项

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    Kerage Peter Misiani;

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  • 年度 2013
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