Journal articles: 'Credit Management'

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Lin, Xi, Yafeng Yin, and Fang He. "Credit-Based Mobility Management Considering Travelers’ Budgeting Behaviors Under Uncertainty." Transportation Science 55, no. 2 (March 2021): 297–314. http://dx.doi.org/10.1287/trsc.2020.1014.

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This study analyzes the performance of a credit-based mobility management scheme considering travelers’ budgeting behaviors for credit consumption under uncertainty. In the scheme, government agencies periodically distribute a certain number of credits to travelers; travelers must pay a credit charge for driving to complete their trips. Otherwise, they can take public transit free of credit charge. Consequently, within a credit-releasing cycle, travelers must budget their credit consumption to fulfill their mobility needs. Such budgeting behaviors can be viewed as a multistage decision-making process under uncertainty. Considering a transportation system with a credit scheme, we propose parsimonious models to investigate how the uncertainty associated with individual mobility needs and the subsequent travelers’ credit-budgeting behavior influence the multistage equilibrium of the transportation system, as well as the performance of the credit scheme on managing the transportation system. Both analytical and numerical results suggest that travelers tend to restrict their credit consumption in the early stage of a credit-releasing cycle to hedge against the risks associated with using up all credits, which compromises the performances of credit-based schemes. Moreover, a negative attitude toward risk aggravates the discrepancy between the credit consumption of the early and late stages. Last, we propose a contingency credit scheme to mitigate the negative impact incurred by travelers’ budgeting behaviors.

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Spuchlakova, Erika, and Maria Misankova. "Risk management of Credit Default Swap." New Trends and Issues Proceedings on Humanities and Social Sciences 3, no. 4 (March 22, 2017): 229–34. http://dx.doi.org/10.18844/gjhss.v3i4.1573.

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K, Roopa. "Credit Risk Management - A Case Analysis." International Journal of Science and Research (IJSR) 12, no. 12 (December 5, 2023): 361–66. http://dx.doi.org/10.21275/sr231128152822.

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Akram, Hassan, and Khalil ur Rahman. "Credit risk management." ISRA International Journal of Islamic Finance 10, no. 2 (December 10, 2018): 185–205. http://dx.doi.org/10.1108/ijif-09-2017-0030.

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PurposeThis study aims to examine and compare the credit risk management (CRM) scenario of Islamic banks (IBs) and conventional banks (CBs) in Pakistan, keeping in view the phenomenal growth of Islamic banking and its future implications.Design/methodology/approachA sample of five CBs and four IBs was chosen out of the whole banking industry for the study. Secondary data obtained from the banks’ annual financial reports for 13 years, starting from 2004 to 2016, were analyzed. Multiple regression, correlation and descriptive analysis were used in the examination of the data.FindingsThe results show that loan quality (LQ) has a positive and significant impact on CRM for both IBs and CBs. Asset quality (AQ), on the other hand, has a negative impact on CRM in the case of IBs, but has a significantly positive relation with CRM in the case of CBs. The impact of 16 ratios measuring LQ and AQ have also been individually checked on CRM, by making use of a regression model using a dummy variable of financial crises for robust comparison among CBs and IBs. The model proved significant, and CRM performance of IBs was observed to be better than that of CBs. Moreover, the mean average value of financial ratios used as a measuring tool for these variables shows that the CRM performance of IBs operating in Pakistan was better than that of CBs over the period of the study.Practical implicationsThe research findings are expected to facilitate bankers, investors, academics and policy makers to build a better understanding of CRM practices as adopted by CBs and IBs. The findings would be useful in formulating policy measures for the progress of the banking industry in Pakistan.Originality/valueThis research is unique in terms of its approach toward analyzing and comparing CRM performance of CBs and IBs. Such work has not been carried out before in the Pakistani banking industry.

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Gazi, Boran. "Credit Risk Management." Journal of Applied Statistics 38, no. 6 (June 2011): 1314. http://dx.doi.org/10.1080/02664760903335083.

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Freeman, Mark C., Paul R. Cox, and Brian Wright. "Credit risk management." Managerial Finance 32, no. 9 (September 2006): 761–73. http://dx.doi.org/10.1108/03074350610681952.

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Mutalemwa, D. F., and J. R. Makindara. "Effects of Credit Management Practices on Performance of Women Owned SMEs in Morogoro Municipality, Tanzania." African Journal of Accounting and Social Science Studies 4, no. 1 (August 18, 2022): 293–314. http://dx.doi.org/10.4314/ajasss.v4i1.16.

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This paper determined the effects of credit management practices on the performance of women owned SMEs in Morogoro Municipality. Data were collected from 120 women which included both credit and non-credit recipients. A purposeful sampling procedure was employed to select the study district and three wards whereby two streets were selected from each ward randomly. The women’s respondents were then selected randomly from each street. Descriptive analysis was used to compute the enterprise performance status of the respondents. The results indicate that 55 percent of the women respondents were credit beneficiaries while 45 percent were not. Among those who received credit, 68 percent used the whole credit to invest in the same business; about 21 percent used 50 percent of the credit received to invest in other businesses besides the core ones and about 50 percent used the credit in non-business purposes. Moreover, about 11 percent of the credit recipients used the whole loan given (100%) in other activities such as family parties and paying school fees. An independent t-test was run to determine whether there is a significance difference in performance among women with and without credits. The performance indicators were all significant in terms of asset value, number of employees, monthly sales, and gross margin at p>0.05. The findings show that credit availability influenced the performance of women owning SMEs. The findings also show further that women who received credit and invest the whole of it in the same business were performing better compared to non-credit recipients. It is therefore concluded that if credit is available and women use the whole of it in investing within the business, their SMEs performance will improve. It is recommended that women owning SME’s should be encouraged to take the available credits which have competitive interest rates and deploy it in their business in order to enhance performance of their enterprises.

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Ивченко, Юлия, and Yuliya Ivchenko. "Company credit policy as a factor in its effective and long-term development." Russian Journal of Management 2, no. 3 (July 1, 2014): 123–36. http://dx.doi.org/10.12737/10590.

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The scientific and practical publications and regulatory sources for essence credit policy of the firm are analyzed. Based on the analysis it was concluded that there is no unified approach to the content of the term «company credit policy». The credit policy of the firm as a set of principles and methods for management of accounts receivable and the provision of trade credit to buyers; management of payables and bank credits as the main sources of borrowed working capital; management of free cash in the form of giving commercial loans to other companies and opening bank deposits examined.

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Şendikici, Pınar. "Process Management and One Example Service Sector." International Journal of Advanced Natural Sciences and Engineering Researches 7, no. 6 (July 25, 2023): 85–88. http://dx.doi.org/10.59287/ijanser.1140.

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The application study has been done in a private bank ABC bank in the form of case study. The observational method and interview method have been used about two types of branch office. A case study will be done about existing branch offices in one of these two branch office types and in the other one about improvement branch office. The information about ABC bank credit operation system has been collected and credit operation process has been explained as systemic in the light of this collected information. The workflow diagrams have been composed by analysing processes. The workflow diagrams have been composed in accordance with credit operation process. The graphics has been drawing in concerned with credit performance of improved branch offices for the purpose of performance review to improvement process. These graphics have been drawing about comparing between cancellations statement and putting into operation of credits that made application covering three months period. Finally, some offers have been presented about pilot branch offices in which improved by bank be subjected to this study.

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Alam, MD Waquar. "INVESTIGATING THE IMPACT OF CREDIT RISK ON FINANCIAL PERFORMANCE OF COMMERCIAL BANK IN INDIA." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (May 2, 2024): 1–5. http://dx.doi.org/10.55041/ijsrem33025.

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In this liberalization period, credit Risk Management has got much importance in the Indian Economy. The main challenges faced by the banking sector today are the challenge of identifying the risk and managing it. The risk is imbibed nature of the banking business. The main role of a bank is of intermediate for those having resources and requiring resources. For risk management various risks like credit risk, market risk or operational risk have to be converted into one composite measure. The importance of credit risk management and its impact on profitability has motivated us to pursue this study. We assume that if the credit risk management is sound, the profit level will be satisfactory. The other way around, if the credit risk management is poor, the profit level will be relatively lower. Because the less the banks loss from credits, the more the banks gain. Therefore, it is necessary that measurement of credit risk should be in tandem with other measurements of operation and market risk so that the requisite composite estimate can be worked out. So, in banking sector credit risk management is being most important task of all. Moreover, the central question is how significant the impact of credit risk management on profitability is. This thesis is an endeavor to find the answer. The principal concern of this thesis is to ascertain to what extent banks can manage their credit risks, what tools or techniques are at their disposal and to what extent their performance can be augmented by proper credit risk management policies and strategies.

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Srinivas, Sattaru Shanmukha, and Kayalvizhi R. "Exploring Credit Management Automation." International Journal for Research in Applied Science and Engineering Technology 10, no. 5 (May 31, 2022): 2286–88. http://dx.doi.org/10.22214/ijraset.2022.42436.

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Abstract: The cash flow management is one of the important factors in any of the company success. It has become the primary focus of the companies after post financial crisis. Almost every company extend credit to their customers. This is an important tool for attracting the customers. If the credit is poorly managed it will result in risk in converting sales to cash. As the technology is much advanced now, it is very important to reconsider and create better methods for cash flow management. It is much needed time for the automation of processes like calculating credit score, credit trustworthiness of customers, payment terms for the proper operation of the business of the company. Keywords: Automation, Credit Management, Invoice, Credit Score, Credit

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Anoshkina, Natalya. "Management of Credit Losses." Vestnik Volgogradskogo gosudarstvennogo universiteta. Serija 3. Ekonomika. Ekologija, no. 2 (June 2018): 76–84. http://dx.doi.org/10.15688/jvolsu3.2018.2.8.

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Bluhm, Christian, and Walter Mussil. "Balanced Credit Cycle Management." Schmalenbachs Zeitschrift für betriebswirtschaftliche Forschung 62, S61 (January 2010): 68–82. http://dx.doi.org/10.1007/bf03372982.

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Boffey, R., and G. N. Robson. "Bank Credit Risk Management." Managerial Finance 21, no. 1 (January 1995): 66–78. http://dx.doi.org/10.1108/eb018497.

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Панова and T. Panova. "Determination of Credit Border – Basis of Credit Risk Management of Consumer Credit." Economics of the Firm 4, no. 3 (September 17, 2015): 44–48. http://dx.doi.org/10.12737/17595.

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The article discusses the problem of determining the boundaries of credit and credit risk management. Defining the boundaries of reasonable use of credit and compliance is of great importance for the economy as a whole. Only with an optimal level of credit investments of credit impact on the economy can be positive.

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Ahmed Alhammadi, Mohamed Abdulraheem, Alberto Ibañez-Fernandez, and Arnaldo Vergara-Romero. "Credit scoring and risk management in islamic banking: the case of Al Etihad Credit Bureau." Revista Venezolana de Gerencia 29, no. 105 (January 15, 2024): 111–24. http://dx.doi.org/10.52080/rvgluz.29.105.8.

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This current research aims to assess the performance of Al Etihad Credit Bureau (AECB) operating in the United Arab Emirates (U.A.E.) in reducing credit risk in the Islamic banking model. The research aims to clarify the effects of credit scores on credit risk management in Islamic banks and the extent of adopting Islamic banks of these ratings when evaluating the borrowers. The study was done based on a primary qualitative research method where six top managers from AECB and nine managers from UAE’s Islamic banks who are involved with credits within the bank were interviewed using a structured interviews approach. It was found that Islamic banks perceive AECB services and products as useful for credit scoring and risk management as a supplement to their internal subjective rules and guides. AECB applies the same rating across banks and financial institutions in the UAE. The study has implications for Islamic banks, AECB, and financial policymakers in the UAE.

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Suriansha, Reza, Erwin Rasyid, and Alfonsus Beo Say. "RELATIONSHIP OF MARKETING ASPECTS, FINANCIAL, FUNDS, TECHNICAL, MANAGEMET ON CUT CREDITS IN BANK MANDIRI ANEKA TAMBANG IN JAKARTA." Sebatik 24, no. 1 (June 18, 2020): 128–35. http://dx.doi.org/10.46984/sebatik.v24i1.911.

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PT. Bank Mandiri is the largest bank in Indonesia in terms of assets, loans, and deposits. But at this time Bank Mandiri is experiencing a large number of customers that are doing bad credit. The research was conducted related to the number of bad loans experienced by PT. Bank Mandiri, Jakarta. The purpose of this study is to determine the relationship of internal factors, which include aspects of marketing, aspects of financial arrangements, aspects of funds, technical aspects, and management aspects partially and simultaneously on the customer's bad credit. The method used is quantitative by using correlation analysis techniques. The method of data collection is carrying out by collecting and submitting research questionnaires to debtors using the Bank Mandiri (PERSERO) TBK branch of the Jakarta Building Aneka Tambang branch that experiences cut credit, and studies documents relating to cut credit. This event obtaining from books and literature, related research journals. The analysis tool used is multiple regression analysis using SPSS software version 22. Partially, using the t-test of the marketing aspects, financial management aspects, funding aspects, technical aspects, and management aspects of bad credit. From the research results obtained aspects of financial management, technical aspects and management aspects have a positive and significant correlation to the increase in cut credits of PT. Mandiri Bank. Then, the marketing and funding variables correlate negatively and significantly to bad loans so that the increasing aspects of marketing and funding aspects, the cut credit decreases. From the simultaneous test results of the independent variables on the dependent variable, it knowing that the marketing aspects, financial management aspects, funding aspects, technical aspects, and management aspects have a significant and significant influence on the cut credits of Bank Mandiri in the Aneka Tambang Jakarta branch in Jakarta.

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Spuchlakova, Erika, and Maria Misankova. "Risk management of Credit Default Swap." New Trends and Issues Proceedings on Humanities and Social Sciences 3, no. 4 (March 22, 2017): 229–34. http://dx.doi.org/10.18844/prosoc.v3i4.1573.

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Credit derivatives are an up to date innovation in financial markets. These financial instrument have a potential to allow enterprises to trade and manage the credit risks and market risks. The striking growth of credit derivatives suggest that participant of financial markets find them to be useful instrument for risk management. The most popular and fundamental credit derivatives is a credit default swaps (CDS). In the paper we detailed the risk management of the credit default swaps and quantified the credit risk of investors in two way: (i) calculate the term structure of default probabilities from the market prices of traded CDS and (ii) calculate prices of CDS from the probability distribution of the time-to-default Â Keywords: credit risk; credit default swap; risk management

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Kabayiza, A., G. Owuor, K. J. Langat, P. Mugenzi, and F. Niyitanga. "Does credit utilization lead to increasing farm outcome? a micro-perspective of tea production from Rwanda." Agro-Science 20, no. 2 (June 30, 2021): 92–100. http://dx.doi.org/10.4314/as.v20i2.15.

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Credit is a crucial factor for tea growers to pay for physical farm inputs mainly input fertilizers, research and development of high yielding tea clones and labour in order to improve the production of green tea leaf and to meet factories’ demand for raw materials. However, mismanagement of accessed credits by farmers has been reported among the snags affecting the sector development. The study analyzed the determinants and impact of credit utilization on farm income among smallholder tea growers in Nyaruguru District, Rwanda. Crosssectional tea household level data were collected from 358 farmers randomly selected from tea cooperatives. The credit utilization and causal effect were estimated using the Endogenous Switching Regression model. Results showed a positive and significant relationship between credit utilization and tea farm income. Precisely, the causal effect of credit is a 7% increase in tea income for farmers who utilised credit for tea production, while its potential effect is up to a 55% decrease in tea income for those who divert credit for out-off tea production uses. Furthermore, training on good agricultural practices and credit management, cost of farm inputs, labour and access to group credit significantly influence utilization of credit for tea production. However, the size of credit (cash) and off-farm businesses significantly increase the diversion of credit and level of tea farm income. Tea farmers are encouraged to use tea credits for planned projects. Sensitizing farmers to procure farm input fertilizers in bulk through cooperatives should be vigorously pursued to discourage credit diversion. Key words: tea credits, tea farming households, farm income, endogenous switching regression

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Zou, Guoxia. "Designing a Credit Bank Model Based on Blockchain Technology." Scientific and Social Research 4, no. 4 (April 28, 2022): 42–49. http://dx.doi.org/10.26689/ssr.v4i4.3779.

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In the implementation of credit bank, the transformation of learning accomplishments cannot be automated, and the workload of credit achievement management is large. Credits cannot interact freely across different credit banking systems. In order to solve the aforementioned problems, this study proposes the use of alliance chain technology to overcome the technical challenges encountered in the establishment of credit bank. In line with the basic framework of the alliance chain, a credit bank model based on blockchain technology is designed. At the moment, only the model design has been completed; the implementation of the model will take place in the later stage.

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Williams, M. "Credit where credit is due." Managing Service Quality: An International Journal 3, no. 3 (March 1993): 53–56. http://dx.doi.org/10.1108/eum0000000003172.

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Lamichhane, Basu Dev. "Credit Portfolio Management in Nepalese Microfinance Institutions (MFIs): A Shifting Guide to Credit Risk Management." Interdisciplinary Journal of Management and Social Sciences 4, no. 1 (May 26, 2023): 8–20. http://dx.doi.org/10.3126/ijmss.v4i1.54097.

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This paper attempts to provide a first step toward understanding the role of credit portfolio management in Nepalese microfinance institutions (MFIs) and overcome those problems associated with credit risk management. The credit portfolio management (CPM) has become most crucial functions of the Nepalese MFIs for sound loan portfolio quality. This study is based on descriptive research design. Several findings are made through the review of the literature that is parallel to achieving the objectives of the study. MFIs are financial intermediaries ("banks") that have a direct impact on economic and social transformation, such as job creation, income generation, social change, and poverty alleviation via financial and non-financial activities. The findings show that a credit appraisal system, scientific interest rate, credit monitoring, loan portfolio diversification system, capital optimization, risk framework development, regulatory management, credit control, credit advisory, and credit research, have reduced credit risk and ensured high-performing loans and financial sustainability. The study recommends that MFI’s portfolio management strategies focus more on the internal causes of delinquency which they have more control over and seek practical and achievable solutions to reimbursement delinquency problems. The study's findings will be useful to BFIs, institutional lenders, microfinance experts, regulators, economists, policymakers, and institutional credit rating agencies. The result reveals that portfolio diversification has a significant impact on credit portfolio management in Nepalese MFIs.

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Guo, Chun, Wunhong Su, and Xiaobao Song. "THE SUBSTITUTION FINANCING EFFECT OF SUPPLIERS’ TRADE CREDIT ON CUSTOMERS’ TRADE CREDIT IN CHINA." Journal of Business Economics and Management 22, no. 6 (October 19, 2021): 1456–75. http://dx.doi.org/10.3846/jbem.2021.15608.

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This study investigates the substitution financing effect of suppliers’ trade credit on customers’ trade-credit using Chinese listed firms from 2009 to 2018. Results verify the substitution financing effect of suppliers’ trade credit on customers’ trade credit, indicating that firms with higher suppliers’ trade credit have lower customers’ trade credit. Moreover, suppliers’ trade-credit substitutes customers’ trade credit by alleviating financing constraints. Customer concentration weakens the substitution financing relation. Finally, the substitution financing effect of customers’ trade credit on bank credit is more pronounced than that of suppliers’ trade credit. As exogenous policy shock, the capital market liberalization has no significant impact on the substitution financing relation between heterogeneous trade credits. This study reveals that trade credit is heterogeneous rather than homogeneous. The substitution financing effect also exists in trade credit inside, which expands the existing literature’s understanding of trade credit and the substitution financing theory’s connotation.

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Abdallah Saleh, Besan, and Veronica Paz. "Credit risk management and profitability: Evidence from Palestinian banks." Banks and Bank Systems 18, no. 3 (August 8, 2023): 25–34. http://dx.doi.org/10.21511/bbs.18(3).2023.03.

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Credit risk has gained considerable attention in most countries of the world intending to manage the efficiency of credit portfolios. This study attempts to examine the impact of credit risk management on bank profitability. The local Bank of Palestine provided secondary data over a ten-year period (2010–2020) collected from financial annual reports. The statistical analysis is carried out using the SPSS and E-views software, and the study hypotheses are verified using descriptive statistics, multicollinearity tests, and regression. Palestinian banks’ profitability was evaluated using return on assets, along with bank-specific metrics such as capital adequacy ratio (CAR), loan-to-deposit ratio (LDR), non-performing loans (NPLs), loan loss provision ratio (LLPR), bank size, and bank age, as signs of credit risk management. The study’s findings indicate that there are differences in how credit risk management affects bank profitability in the context of Palestine. CAR NPLs have a positive but insignificant effect on profitability using ROA. The regression found a significant positive effect of LLPR on profitability using ROA. Finally, with respect to LDR as an indicator of credit risk management, the regression found its negative but insignificant effect on profitability using ROA. The results demonstrate how the board’s structure influences the performance of a company, which is regarded important knowledge for decision makers.

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Shahidah Binti Fadzin, Nurul, and Wan Nazjmi bin Mohamed Fisol. "AWARENESS OF CREDIT MANAGEMENT AMONG PUBLIC SERVANTS IN MALAYSIA THROUGH COUNSELING AND CREDIT MANAGEMENT AGENCY (AKPK)." International Journal of Advanced Research 11, no. 05 (May 31, 2023): 37–41. http://dx.doi.org/10.21474/ijar01/16846.

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Credit Credit management is a crucial aspect in ensuring financial sustainability within society, particularly among civil servants. Therefore, it is paramount that the general public in Malaysia have a comprehensive understanding and awareness of the Credit Management program through the Credit Counselling and Management Agency (AKPK) to prevent the community from being burdened with high levels of debt, which could potentially lead to bankruptcy. As such, this article aims to analyze the behavior of public servants in the state of Kedah, involving a total of 150 individuals, in order to identify their level of awareness of the credit management program under the AKPK.This study employs quantitative methods to examine demographic factors, as well as the relationship between consumer understanding, awareness, and perception of credit management programs through the Credit Counselling and Management Agency (AKPK) among public servants in Malaysia. The results of this study can be useful in improving the quality of the Credit Management program under AKPK and raising awareness among civil servants towards credit management in Malaysia.

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Ndegwa, Michael K., Apurba Shee, Calum G. Turvey, and Liangzhi You. "Uptake of insurance-embedded credit in presence of credit rationing: evidence from a randomized controlled trial in Kenya." Agricultural Finance Review 80, no. 5 (June 22, 2020): 745–66. http://dx.doi.org/10.1108/afr-10-2019-0116.

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PurposeDrought-related climate risk and access to credit are among the major risks to agricultural productivity for smallholder farmers in Kenya. Farmers are usually credit-constrained due to either involuntary quantity rationing or voluntary risk rationing. By exploiting randomized distribution of weather risk-contingent credit (RCC) and traditional credit, the authors estimate the causal effect of bundling weather index insurance to credit on uptake of agricultural credits among rural smallholders in Eastern Kenya. Further, the authors assess farmers' credit rationing, its determinants and effects on credit uptake.Design/methodology/approachThe study design was a randomized controlled trial (RCT) conducted in Machakos County, Kenya. 1,170 sample households were randomly assigned to one of three research groups, namely control, RCC and traditional credit. This paper is based on baseline household survey data and the first phase of loan implementation data.FindingsThe authors find that 48% of the households were price-rationed, 41% were risk-rationed and 11% were quantity-rationed. The average credit uptake rate was 33% with the uptake of bundled credit being significantly higher than that of traditional credit. Risk rationing seems to influence the credit uptake negatively, whereas premium subsidies do not have any significant association with credit uptake. Among the socio-economic variables, training attendance, crop production being the main household head occupation, expenditure on food, maize labour requirement, hired labour, livestock revenue and access to credit are found to influence the credit uptake positively, whereas the expenditure on non-food items is negatively related with credit uptake.Research limitations/implicationsThe study findings provide important insights on the factors of credit demand. Empirical results suggest that risk rationing is pervasive and discourages farmers to take up credit. The study results also imply that credit demand is inelastic although relatively small sample size for RCC premium subsidy groups may be a limiting factor to the authors’ estimation.Originality/valueBy implementing a multi-arm RCT, the authors estimate the factors affecting the uptake of insurance bundled agricultural credits along with eliciting credit rationing among rural smallholders in Eastern Kenya. This paper provides key empirical findings on the uptake of RCC and the effect of credit rationing on uptake of agricultural credits, a field which has been majorly theoretical.

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Tokaev, Noh, and Aleksandr Gokoev. "Commercial bank credit risk management." Russian Journal of Management 11, no. 2 (August 5, 2023): 82–90. http://dx.doi.org/10.29039/2409-6024-2023-11-2-82-90.

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In the main activities currently carried out by commercial banks, a significant place is given to the system of tools that is created and operates to manage credit risks. The importance of this system increases in the context of the development of the financial crisis, as well as in the fierce competition that arises between banks with a decrease in the profitability of their main activities. Among other things, credit risks themselves are the cause of a large number of various problems that impede the development and receipt of sufficient profits for credit institutions. This article is devoted to various issues that, to one degree or another, relate to the credit risk management of commercial banks. The article analyzes the main reasons for the growth of risks, reveals the models by which credit risk can be assessed, and defines the goals pursued in the effective management of credit risks.

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Soehaditama, Josua Panatap, Nera Marinda Machdar, and Adler Haymans Manurung. "Determinant Banking Credit Risk Management." Indonesian Journal of Business Analytics 3, no. 4 (August 31, 2023): 1105–12. http://dx.doi.org/10.55927/ijba.v3i4.5032.

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This article reviews and looks for the relationship between two variables, namely banking and credit risk management from the results of existing research. The research method used is qualitative by looking at the findings or research results from existing literature derived from reputable journals or other sources found to support this study. In this article explains that banking credit risk management, determinants play an important role in identifying, measuring, and managing credit risk. Factors such as debtor characteristics, quality of collateral, economic and industrial conditions, bank policies and procedures, and legal and regulatory factors affect the level of credit risk. A deep understanding of these factors helps banks in taking better decisions and developing effective strategies in managing credit risk.

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Erokhin, V. V., and Yu A. Kavin. "EVALUATION OF A CREDIT CUSTOMER IN A CREDIT ORGANIZATION." Juvenis Scientia, no. 3 (2019): 13–21. http://dx.doi.org/10.32415/jscientia.2019.03.03.

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The article proposes a model of an effective credit management system for a credit institution. The goal is to determine the impact of selected loan management processes on the effectiveness of the entire credit management system. This is done through hypothesis testing, using the usual least squares method. Another problem is the assignment to individual clients of their real strategic importance in the credit portfolio of a credit institution in order to ensure the optimal allocation of financial resources. For this purpose, two different methods are used, namely: analysis of the client loan portfolio and the method of estimation using logistic regression. A model of an effective credit management system in a credit institution has been proposed. The factors affecting the credit management process and the effectiveness of the entire credit management system are identified. The strategic values of the credited clients for the credit institution are determined, which allows optimizing the distribution of the financial resources of the credit institution and the entire credit management system.

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Zhao, Jing. "Thoughts and Practice on the Education Projects of Sino-foreign Credit Mutual Recognition in Private Undergraduate Universities." Review of Educational Theory 4, no. 1 (February 26, 2021): 40. http://dx.doi.org/10.30564/ret.v4i1.2779.

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International development is a challenge that each university must face. The educational mechanism of private undergraduate universities is flexible, and has certain advantages in expanding international education programs. Sino-foreign credit mutual recognition programs are more common in private undergraduate universities. With the continuous development of resources and models on international education cooperation, the forms of Sino-foreign credits mutual recognition cooperation are becoming more diversified. The rapid development of Chinese and foreign credit recognition education programs in private undergraduate universities requires scientific and advanced management concepts and support. Young private universities have short international development time and lack of experience. Therefore, relevant issues should be more researched.This paper analyzes the problems and challenges in the education mode and management of Sino-foreign credit mutual recognition projects in private undergraduate universities, and puts forward relevant countermeasures. This paper will analyze the problems and challenges in the education mode and management of Sino-foreign credit mutual recognition projects in private undergraduate universities, and put forward relevant countermeasures.

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Amin, Ruhul. "Credit Risk Management of Jamuna Bank Limited." ABC Research Alert 4, no. 1 (April 30, 2016): Bangladesh. http://dx.doi.org/10.18034/ra.v4i1.302.

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Banks are exposed to five core risks through their operation, which are – credit risk, asset/liability risk, foreign exchange risk, internal control & compliance risk, and money laundering risk. Among these risks management of credit risk gets most attention. Credit risk arises due to the possibility that the borrower may fail to repay the loan. Following the recent global financial crisis, which originated from poor management of credit risk, credit risk is the most discussed topic in banking industry. All commercial banks operating in Bangladesh are strictly regulated by Bangladesh Bank. Bangladesh Bank has provided a guideline for credit risk management. All banks try to comply with that guideline. Jamuna bank is no exception of this practice. JBL has segregated the credit related activities. Marketing, preparation of credit proposal, other documentation, credit disbursement, credit monitoring etc are done at branch level. Credit administration and credit risk management related works are done at head office. At branch level, branch managers act as Relationship Manager (RM) to explore/find new business opportunities. If a new business is located he informs Head of Corporate Division using a call report. Corporate Division shall examine the call reports and communicate their initial views to the Branch about the proposed business. If the views are positive, HO will direct the concerned RM to send a complete business proposal to Corporate Division. Then the Branch submits complete proposal to H.O. CRM examines the proposal from different angles of risk and compliance and communicate their views. Then the proposal is sent to credit review committee by corporate division. CRM simply presents their observations. Credit Review Committee provides their views about the proposal which has to be approved by the M.D. corporate division may amend/change their proposal according to the recommendation of credit review committee. The Managing Director shall approve the facility if it is within power. If Board/EC approval is required, the Memo is to be signed by the Managing Director. After approval the CRM shall issue sanction advice enclosing documentation check list with a copy to credit Administration Division. When a party approaches JBL for a loan, a loan proposal is prepared at branch level, which includes credit risk assessment report, credit risk grading report besides recommended amount of loan that can be disbursed. This proposal is sent to the Head Office for approval. If Credit Administration Department of Head Office sanctions the proposal then the amount is disbursed to that party. Monitoring the loan after disbursement is the branch’s responsibility. All loan applicants are required to submit financial statements of past three years. Relevant financial performance indicators are put into a spreadsheet to assess the credit risk. JBL has a credit policy guideline which is in line with the guideline provided by Bangladesh Bank. Different weights are given to different factors like industry profitability, company size, debt burden ratio, previous loan performance etc.

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Sutikno, Sutikno, Muhamad Suhaemi, and Muhammad Irsad Ariffin. "Sharia Bank Credit Management In Entrepreneurship." Jurnal Keuangan dan Perbankan (KEBAN) 2, no. 1 (December 17, 2022): 1–6. http://dx.doi.org/10.30656/jkk.v2i1.5829.

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The provision of credit for entrepreneurs is currently a separate issue for Islamic banks because they have a small market segment. How to manage Islamic bank credit to expand the market for entrepreneurs in accordance with government policies in supporting the current recovery. For this reason, banks need to manage existing credit so that avoid the risk of bad credit that will arise in the future. For credit management for bank entrepreneurs, it should look at the income generated by business actors per year, in addition to the type of business that has a high level of buyer interest, the bank must pay attention to it. can find out the level of credit risk that exists so that it provides behavior to existing entrepreneurs.

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Sun, Xia. "Exploration and Practice of Credit bank docking with Professional group construction——Taking the construction of Credit bank for Digital creativity and Media professional group as an example." SHS Web of Conferences 157 (2023): 02018. http://dx.doi.org/10.1051/shsconf/202315702018.

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The National Credit bank for Vocational Education (Credit bank for short) is a unit of measurement based on credits. According to unified standards, it identifies and calculates various learning outcomes reflected in academic certificates and vocational skill level certificates. It has learning outcomes storage, accumulation and conversion and other functions of the learning incentive system and education management system.

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34

BROLL, UDO, B. MICHAEL GILROY, and ELMAR LUKAS. "MANAGING CREDIT RISK WITH CREDIT DERIVATIVES." Annals of Financial Economics 03, no. 01 (June 2007): 0750004. http://dx.doi.org/10.1142/s2010495207500042.

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Credit risk is one of the most important forms of risk faced by national and international banks as financial intermediaries. Managing this kind of risk through selecting and monitoring corporate and sovereign borrowers and through creating a diversified loan portfolio has always been one of the predominant challenges in bank management. The aim of our study is to examine how a risky loan portfolio affects optimal bank behavior in the loan and deposit markets, when derivatives to hedge credit risk are available. In a stochastic continuous-time framework a hedging model is developed where the bank management can use derivatives to hedge credit risk. Optimal loan, deposit and hedging strategies are then studied. It is shown that the magnitude and the direction of hedging are determined by the bank manager's preferences, the corresponding risk premium and the variance of the loan rate and its hedging instrument respectively.

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35

Gibson, Michael S. "Credit Derivatives and Risk Management." Finance and Economics Discussion Series 2007, no. 47 (2007): 1–20. http://dx.doi.org/10.17016/feds.2007.47.

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Gong, Jaisik. "Earnings Management and Credit Rating." Asia-pacific Journal of Convergent Research Interchange 6, no. 9 (September 30, 2020): 13–21. http://dx.doi.org/10.47116/apjcri.2020.09.02.

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Kealhofer, Stephen. "Credit Risk and Risk Management." AIMR Conference Proceedings 1999, no. 3 (August 1999): 80–91. http://dx.doi.org/10.2469/cp.v1999.n3.11.

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Kealhofer, Stephen. "Portfolio Management of Credit Risk." AIMR Conference Proceedings 2003, no. 5 (February 10, 2003): 19–29. http://dx.doi.org/10.2469/cp.v2003.n5.3318.

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Vu, Joseph. "Trends in Credit Risk Management." CFA Digest 29, no. 3 (August 1999): 34–35. http://dx.doi.org/10.2469/dig.v29.n3.515.

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Anna, Siekelova, Kollar Boris, and Weissova Ivana. "Impact of Credit Risk Management." Procedia Economics and Finance 26 (2015): 325–31. http://dx.doi.org/10.1016/s2212-5671(15)00860-6.

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Dabi, Rowland Seyram Koku, Nugraha Nugraha, Disman Disman, and Maya Sari. "A Survey of Banks in Ghana's Credit Risk Management Practices." Image : Jurnal Riset Manajemen 11, no. 1 (April 30, 2023): 45–58. http://dx.doi.org/10.17509/image.2023.005.

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In recent times, banks and other financial institutions that lend money to customers have placed a high priority on credit risk management. To manage credit risk, banks employ customer evaluation systems, loan size restrictions, credit checks, flexible loan repayment plans, and fines Hence, the present study focuses on the credit risk management practices used in banks, to identify the internal control measures used in mitigating credit risk in banks and to examine the challenges faced in implementing credit risk management practices. The Ordinal Logistic Regression(OLR) was used to identify the relationships between the response variables, e.g. management support, credit risk identification, internal control measuers and credit risk management surveys. The independent variables were calculated on an ordered, 5-point Linear scale for the responding participants. In this study, log lit function was chosen, that demonstrated the model appropriateness. One of the main finding is that in banks, credit management risk is reduced when managers implement and adhere to responsible credit risk management procedures, viable client appraisal credit management system, regular credit checks, flexible credit repayment systems to encourage and improve loan repayment, were highly significant with the respondents’ positive initiative amidst credit risk management practices in banks.

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Liu, Ming, Jie Zhu, Yuanchao Bian, and Liping Chen. "Comprehensive Credit Risk Management of Policy Export Credit Insurance Institutions." Journal of Accounting, Business and Finance Research 4, no. 2 (2018): 66–73. http://dx.doi.org/10.20448/2002.42.66.73.

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Sohn, So Young, Kyong Taek Lim, and Yonghan Ju. "Optimization strategy of credit line management for credit card business." Computers & Operations Research 48 (August 2014): 81–88. http://dx.doi.org/10.1016/j.cor.2014.03.013.

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Mohd Alwi, Mohd Afifie, Azwan Abdullah, and Azyanee Luqman. "Muslim Consumers’ Credit Card Debt Management." Malaysian Journal of Consumer and Family Economics 30, no. 1 (June 1, 2023): 122–54. http://dx.doi.org/10.60016/majcafe.v30.06.

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Due to the widespread usage of credit cards, excessive debt is almost inevitable, particularly among Muslim consumers. Therefore, this study explores the understanding of Muslim consumers towards credit card debt management from the Islamic perspective. Semi-structured interviews with 16 participants were used in this study to gather information for the exploratory analysis. Four themes were identified among Muslim users as the primary reasons for understanding the Maqasid Shariah (MS) in credit card (CC) debt management: convenience, emergency, benefit and social status. Furthermore, this study developed a prominent higher-order theme: the priority in credit card debt management. The study incorporates an understanding of respectability in credit card management that is consistent with Islamic teaching.

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Ouattara, N’Banan, Xiong Xueping, Trazié Bertrand Athanase Youan BI, Lacina Traoré, J. K. Ahiakpa, and Odountan Ambaliou Olounlade. "Determinants of smallholder farmers’ access to microfinance credits." Agricultural Finance Review 80, no. 3 (January 7, 2020): 401–19. http://dx.doi.org/10.1108/afr-07-2019-0075.

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Purpose Several years after the regularization of microfinance activity in Côte d’Ivoire, smallholder farmers’ access to microfinance credits still remains marginal. The purpose of this paper is to identify and analyze key determinants of access to microfinance credit in Sassandra-Marahoué District. Design/methodology/approach A total of 150 smallholder farmers were randomly sampled using an interview guide and semi-structured questionnaires. Univariate statistics and Probit binary modeling were employed for data analyses. Findings Results revealed that socio-economic/demographic characteristics of smallholder farmers and credit requirements imposed by microfinance institutions (MFIs) are key determinants of smallholder farmers’ access to microfinance credits in the district. Research limitations/implications Although, the authors shed light on the determinants of microfinance credit access for smallholder farmers in this district, the study focused on a single source of financial credit. Future research will need to explore the determinants of credit demand and the choice between different sources of rural credits in Côte d’Ivoire. Practical implications The findings suggest that MFIs seldom take into account smallholder farmers who are not engaged in off-farm income-generating activities and savings account; and those with low level of education. Sensitization programs on the importance of savings mobilization and credit policy by MFIs will potentially increase smallholder’s knowledge on credit access requirements and thereby increased access. Originality/value To the authors’ knowledge, this is the first study investigating determinants of smallholder farmers’ access to microfinance credits in Côte d’Ivoire specifically in the Sassandra-Marahoué District. The results of this study will serve as a guide for MFIs for improving smallholder farmers’ access to credit.

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Wang, Huibo. "Credit Risk Management of Consumer Finance Based on Big Data." Mobile Information Systems 2021 (July 22, 2021): 1–10. http://dx.doi.org/10.1155/2021/8189255.

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In recent years, China’s consumer finance has developed rapidly, but the foundation is unstable, and the industry has serious problems of violent competition, excessive credit, and fraud. Therefore, we should attach great importance to the healthy development of consumer finance, especially the management of its credit risk. The application of big data credit investigation can provide early warning of potential risks and prevent the risk of excessive credit investigation. This paper starts with the definition of basic core concepts, such as traditional credit investigation, big data credit investigation, and consumer finance, analyzes the performance and causes of consumer finance credit risk, and combs in detail the relevant theories of the application of big data credit investigation in consumer finance credit risk management. The application of big data credit investigation has optimized the risk management process of consumer financial institutions, deepened the concept of Internet consumer finance, improved the risk management system, created a diversified credit information system, and strengthened the innovation of Internet consumer finance products and services. For example, credit scores provide the most intuitive quantification of consumer credit risk. For consumers with different levels of credit scores, different credit approval processes can be matched. For customers with high scores, the work process can be simplified without affecting the work results. It can reduce the workload of employees by 20% and increase the accuracy of customer credit risk prediction by 16%.

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Azharbayeva, A. Y., and M. Kh Abdinova. "УПРАВЛЕНИЕ КРЕДИТНЫМИ РИСКАМИ АО «НАРОДНЫЙ БАНК»: ПРОБЛЕМЫ И ПУТИ РЕШЕНИЯ." INTERNATIONAL JOURNAL OF INFORMATION AND COMMUNICATION TECHNOLOGIES 4, no. 3(15) (January 19, 2024): 8–23. http://dx.doi.org/10.54309/ijict.2023.15.3.001.

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The purpose of the research work is to reveal the essence of the credit risk system, study the causes of its occurrence, and conduct a detailed analysis of the loan portfolio and credit risk management methods on the example of the commercial bank "Halyk Bank of the Republic of Kazakhstan" JSC. The authors analyze the loan portfolio of the bank using CAMELS, Z - score methods and build a regression analysis using R-studio, identify the main problems in credit risk management in a commercial bank and propose some solutions. In this article such problems in credit risk management as incomplete credit risk assessment, weak credit risk monitoring, insufficient collateral assessment, improper risk diversification, insufficient credit risk management policy are identified, and several solutions and methods for their improvement are proposed. The informational approach to solving the set goals is formed based on existing scientific research, published periodicals, scientific articles and financial statements of the bank, and its statistical data is used as material for writing a research paper.

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Nayan J., Nayan J., and Dr M. Kumaraswamy Dr. M. Kumaraswamy. "Retail Credit Risk Management in Indian Public Sector Banks." Global Journal For Research Analysis 3, no. 8 (June 15, 2012): 31–37. http://dx.doi.org/10.15373/22778160/august2014/10.

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Apanga, Michelle Ayog-Nying, Kingsley Opoku Appiah, and Joseph Arthur. "Credit risk management of Ghanaian listed banks." International Journal of Law and Management 58, no. 2 (March 14, 2016): 162–78. http://dx.doi.org/10.1108/ijlma-04-2014-0033.

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Purpose – The study aims to assess credit risk management practices within financial institutions in Ghana. Specifically, the study compares credit risk management practices of listed banks in Ghana with Basel II (1999). Design/methodology/approach – The analysis is based on data gathered from varied sources, namely, use of questionnaires, analysis of internal credit policies and procedure manuals and semi-structured interviews and discussions with credit risk managers of the selected banks in May 2007 and October 2014. Findings – Overall, the credit risk management practices within listed banks in Ghana are in line with sound practices. The only dissimilarity, however, is the role of the board of directors in defining acceptable types of loans and maximum maturities for the various types of loans. The listed banks in Ghana are also exposed to credit risks associated with granting both corporate and small business commercial loans and the use of collaterals to mitigate their credit risk exposures. Practical implications – Banks in Ghana should consider developing the skills of all their personnel and appropriately motivating those involved in the credit risk management processes to ensure that they carry out this process efficiently. Originality/value – Research into credit risk management in the banking industry from the Ghanaian perspective remains scant. This study is, therefore, timely, and its findings are invaluable for the efficient management of credit risk in the banking industry. This study provides policy recommendations which will enhance shareholder value and, in this way, contribute to greater stability in the banking sector in developing countries, in particular.

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Mehedi, Sohel, Habibur Rahman, and Dayana Jalaludin. "The relationship between corporate governance, corporate characteristics and agricultural credit supply: evidence from Bangladesh." International Journal of Social Economics 47, no. 7 (June 5, 2020): 867–85. http://dx.doi.org/10.1108/ijse-02-2020-0085.

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PurposeThe paper aims to examine the level of agricultural credit by commercial banks and the determinants that influence the commercial banks to the increased level of agricultural credit through the pressures of the institutional environment.Design/methodology/approachThe study selects seventeen sample commercial banks following the market capitalization method and investigates a total of 85 annual reports during the period from 2013 to 2017. The study conducts a pooled regression to conclude the proposed hypotheses.FindingsThe present study finding indicates that the average of agricultural credits to total credits is 2.25% among the sample commercial banks. The study finds a positive significant association between board gender diversity, foreign director, management team and agricultural credit. Furthermore, the study has found that the role of the deposit in enhancing agricultural credit is positive. On the other hand, the association between independent directors, profitability and agricultural credits is negative.Research limitations/implicationsThe study is based on secondary data with five firm-year observations of commercial banks. The study finding is based on commercial banks, so it should not be generalized to non-bank financial institutions.Practical implicationsThe study emphasizes policymakers’ attention towards the level of agricultural credit and determinants that influence the level of agricultural credit by commercial banks in emerging markets.Originality/valueThe key contribution of the study is to focus on the reformist role of the determinants in promoting the increased level of agricultural credit in the emerging markets.

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Journal articles on the topic 'Credit Management'

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