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Journal articles on the topic 'Credit risks management'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

M., Moses Antony Rajendran. "Credit Risk Management and Insurance Practices - An Overview." Journal of Research in Business, Economics and Management 2, no. 2 (2015): 89–96. https://doi.org/10.5281/zenodo.3965327.

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In this article it mentioned about credit risk, explosion of credit risk, credit risk raisers, inclusion of credit risks, default probability of credit risks, Evaluation Factors Credit Risks, Altman’s Z Score of credit scoring, Credit Rating, Functions of Credit Ratings, Benefits of credit instruments, Disadvantages of credit rating, Types of credit rating, Sovereign Vs. Corporate Credit Rating, Credit Risk Management & Techniques and Principles for the Assessment of Banks’ Management of Credit Risk.

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Lesmana, Ceta Indra. "SHARIA CREDIT RISKS." Multifinance 1, no. 3 (2024): 192–201. http://dx.doi.org/10.61397/mfc.v1i3.111.

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Alleviation poverty, especially among women, is a serious challenge in Indonesia. Finance microsharia emerged as a potential solution. For empowerment, women should approach sharia credit. This article discusses necessary risks noticed, like credit traffic jams, fraud, and risk reputation, in development finance microsharia. Management good risk has become a key continuity business. Apart from that, the importance of education and literacy finance, supporting the government, and partnerships with various parties in increasing the contribution of women to overcome poverty through Sharia credit

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Kepuladze, T. A. "Credit risk management in the bank." Bulletin of Dulaty University 16, no. 4 (2024): 216–25. https://doi.org/10.55956/bkov2679.

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The article is devoted to the issues of credit risk management in the banking sector, which remain a key factor in financial stability and sustainability of the banking system. The main attention is paid to the analysis of modern methods of assessing and minimizing credit risks, including the introduction of new digital technologies, improving borrower scoring procedures and the use of big data to predict customer solvency. The article discusses factors influencing the growth of problem loans, such as macroeconomic instability, increasing debt burden and changes in borrower behavior. Particula

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Tokaev, Noh, and Aleksandr Gokoev. "Commercial bank credit risk management." Russian Journal of Management 11, no. 2 (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 i

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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 (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 probabili

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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 (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

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Tchernykh, S. "Risk Management in Banks." Voprosy Ekonomiki, no. 8 (August 20, 2004): 120–27. http://dx.doi.org/10.32609/0042-8736-2004-8-120-127.

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Problems of managing risks of partnership in banks taking into account the new Central Bank of Russia document "On Organization of Internal Control in Credit Organizations and Bank Groups" are considered in the article. It is pointed out that effective bank risk management including risks of partnership сan be realized only under condition of bona fide competition. Functioning of banks in competitive environment is impossible without risks, their monitoring allows to become competitive on the banking services market if various "black lists" and other unsound negative information leading to low

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Arslan, Özgür, and Mehmet Baha Karan. "CREDIT RISKS AND INTERNATIONALIZATION OF SMES." Journal of Business Economics and Management 10, no. 4 (2009): 361–68. http://dx.doi.org/10.3846/1611-1699.2009.10.361-368.

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The purpose of the paper is to identify common attributable factors causing credit risks to domestic and international SMEs of an emerging market in Turkey. We call domestic firms as the ones only making local sales and international firms as the ones also making sales abroad. Therefore in this study, cross‐border sales are assumed to lead the firms to internationalization. We study totally 1,166 SMEs for the year 2007, which coincide with an economic expansion in Turkey. We find that different factors affect credit risks for the two types of firms. For domestic firms, our results present a di

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Joseph, John Magal. "The Impacts of Credits Risk Management on Profitability of Rural Savings and Credits Cooperative Societies." International Journal of Management Sciences and Business Research 2, no. 12 (2013): 01–16. https://doi.org/10.5281/zenodo.3441849.

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This study was conducted from 37 rural SACCOS in Morogoro, Dodoma and Kilimanjaro regions in Tanzania to assess the influence of credits risk management on rural SACCOS’ profitability. The study applied univariate regression model where ROA and ROE were the proxies for profitability and Non Performing Loans ratio (NPL) was used as the proxy for credit risks management. This study found out that 70% of rural SACCOS were making loss because they lacked effective credits risk mitigation techniques. The findings also noted the maximum and average loss of 315 and 5 million Tshs respectively.

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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 (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 s

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Mamadiyarov, Zokir, and O‘tkirjon Tajimatov. "INSURANCE OF COMMERCIAL BANKS' CREDIT FACILITIES AND CREDIT RISK MANAGEMENT." European Journal of Artificial Intelligence and Digital Economy 1, no. 9 (2024): 79–85. https://doi.org/10.61796/jaide.v1i9.956.

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The practice of insurance of credit facilities of commercial banks is an important means of credit risk management in banking activities. Through insurance, banks can protect their loan portfolio from risks and reduce losses related to customers who face default or other debt situations. Development of diversified insurance products, automation of processes by introduction of technological solutions and use of international experiences are considered important for improvement of insurance practice. These approaches are of great importance in reducing credit risks and making banks more efficien

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Toufaili, Bilal. "THE IMPACT OF RISK MANAGEMENT ON FINANCIAL PERFORMANCE." EUrASEANs: journal on global socio-economic dynamics, no. 3(28) (May 31, 2021): 7–23. http://dx.doi.org/10.35678/2539-5645.3(28).2021.7-23.

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Commercial banks that control a large proportion of overall assets of the financial sector primarily rely on extending credits, and banks may raise their earnings through this function which constitutes one of the major functions of commercial banks.  Consequently, and due to the wide multiple risk exposures of commercial banks, the issue of capital structure has become a vital element in determining the viability of banks and their ability to withstand various risks involved. Hence, risk management as such has become an essential part of evaluating various risks, including credit risks,

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Kozaeva, Olga T., Taira E. Kulumbekova, and Ekaterina I. Kadzaeva. "RISK MANAGEMENT OF A COMMERCIAL BANK." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/3, no. 132 (2022): 72–78. http://dx.doi.org/10.36871/ek.up.p.r.2022.12.03.010.

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The article considers the risks that arise in commercial banks, such as credit and financial ones. The purpose of this article is a detailed study of banking risks and the proposal of measures to minimize and eliminate them. Risk is an indispensable condition of financial activity. In the activities of commercial banks, the problems of credit risks, the state of overdue debts and the level of repayment of loans, the liquidity and solvency of borrowers, the balance of resources and liquidity are exacerbated. For the successful operation of credit institutions, it is important to eliminate risks

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Shylo, Zhanna. "CREDIT RISKS OF A COMMERCIAL BANK: CAUSES AND METHODS OF MANAGEMENT." SWorld-Ger Conference proceedings, gec25-01 (February 28, 2020): 67–70. http://dx.doi.org/10.30890/2709-1783.2023-25-01-006.

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The article examines the economic essence and features of credit risk management for a commercial bank, defines the main methods of credit risk management, and provides features of the credit risk management strategy in the conditions of economic transfor

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Kholdorov, Sardor. "CREDIT RISKS AND MANAGEMENT STRATEGIES OF COMMERCIAL BANKS IN UZBEKISTAN." Uzbekistan Insurance Market 1, no. 9 (2024): 18–20. http://dx.doi.org/10.55439/ins/vol1_iss9/168.

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This study looks at the credit risks and risk management techniques used by Uzbek commercial banks. The study investigates a number of management techniques to reduce these risks, including strengthening loan monitoring systems, refining credit risk assessment frameworks, and moving state-owned banks toward more commercially oriented business models. This thorough study offers insightful information about the difficulties and approaches associated with credit risk management in the developing financial environment of Uzbekistan.

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Jumayev, Nodir, and Muxlisa Maxmudova. "THE STRUCTURE OF CREDIT INVESTMENTS IN UZBEK BANKS AND RISKS IN THEIR MANAGEMENT." INNOVATIONS IN ECONOMY 8, no. 3 (2020): 20–29. http://dx.doi.org/10.26739/2181-9491-2020-8-2.

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It is very important to study and analyze the risks that arise in the conduct of credit operations in the banks of Uzbekistan, the composition of credit investments. This article focuses on credit investments, their composition, the risks encountered in the control and management of credit resources, and ways to overcome them.

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Jalilian, Negar, Seyed Mahmoud Zanjirchi, and Mark Goh. "Interactive scenario analysis of banking credit risks in intuitive fuzzy space." Journal of Modelling in Management 15, no. 1 (2019): 257–75. http://dx.doi.org/10.1108/jm2-01-2019-0011.

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Purpose The purpose of the paper is to bring attention to documentary credits and the efforts to reduce debt obligations in credit history is recognized as an important source of uncommitted bank earnings. Credit risk has a significant impact on the stability of the banking system. This paper identifies the types of credit risk in the banking supply chain. Design/methodology/approach The authors model the types of credit risk using the intuitive fuzzy failure modes and effects analysis (IFMEA) and intuitive fuzzy cognitive mapping. The population of the study that is needed for the interviews

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Widodo, Silvi Rushanti, and Heribertus Budi Santoso. "RISK MANAGEMENT ANALYSIS AT ABC BANK IN KEDIRI, INDONESIA." Journal of Industrial Engineering Management 8, no. 1 (2023): 1–8. http://dx.doi.org/10.33536/jiem.v8i1.1214.

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Risk management is a very important thing to do in a company. Small and large scale company will never avoid risk.. This study aims to identify risks, measure risks and analyze and evaluate the risks faced by ABC bank in Kediri City, Indonesia. This study uses risk management analysis with a qualitative descriptive method. The stages in risk measurement research are as follows risk identification, risk assessment, and risk response. The results of interviews with the director of risk management and employees of bank ABC can be seen the types of risks that are likely to occur in bank ABC are cr

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Ji, Zheng, Xiaoqi Zhang, Han Liang, and Yang Lyu. "Technology Empowers Finance: Boundaries and Risks." Mathematics 12, no. 21 (2024): 3394. http://dx.doi.org/10.3390/math12213394.

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BigTech credit has enhanced financial inclusion, but it also poses concerns with its boundaries. This article uses theoretical frameworks and numerical simulations to examine the risks and inclusiveness of technology-empowered credit services for “long-tail” clients. This research discovered that the discrepancy between the commercial boundaries of BigTech credit and the technical limitations of risk management poses a risk in BigTech credit. The expanding boundaries of BigTech’s credit business may mitigate the representativeness of the data, resulting in a systematic deviation of unclear cha

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ERMOLENKO, Anna I., and Dar'ya A. VOROPAEVA. "Banking risk management at the present stage of the Russian economy development." Finance and Credit 30, no. 10 (2024): 2267–86. http://dx.doi.org/10.24891/fc.30.10.2267.

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Subject. The article discusses banking risks, including operational risks, information security risks, and cyber risks. Objectives. The focus is on determining areas for improving banking risk management at the current stage of the Russian economy development. Methods. The study draws on such methods of scientific knowledge as analysis, synthesis, generalization, abstraction, methods of modeling, induction, and deduction. Results. Currently, the management of banking risks, including operational, information security, and cyber risks, can be improved by perfecting the management mechanisms bas

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Morozko, Nat I., N. I. Morozko, and V. J. Didenko. "Risk Minimization in Consumer Credit Cooperative Activities." Economics, taxes & law 12, no. 4 (2019): 60–67. http://dx.doi.org/10.26794/1999-849x-2019-12-4-60-67.

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The subject of the research is risks in consumer credit cooperative activities in the context of economic instability. The purpose of the article is developing methods of risk minimization in terms of the authors’ approach to cooperative risks classification. The importance of the research lies in the fact that risks are an integral part of the consumer credit cooperative process of functioning; therefore there is a necessity of appropriate risk assessment that will enable businesses to mitigate possible losses. Consumer credit cooperatives have some distinctive features in comparison with oth

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Rizal S, Muh, Muhammad Luthfi Siraj, Syarifuddin Syarifuddin, Andi Caezar To Tadampali, Henni Zainal, and Ramlan Mahmud. "Understanding Financial Risk Dynamics: Systematic Literature Review inquiry into Credit, Market, and Operational Risks." Atestasi : Jurnal Ilmiah Akuntansi 7, no. 2 (2024): 1186–213. http://dx.doi.org/10.57178/atestasi.v7i2.927.

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This research delves into the intricate dynamics of financial risks—specifically credit, market, and operational risks—within the banking, investment, and corporate sectors, with a focus on both global and Indonesian contexts. By examining the key factors contributing to credit risk, the impact of global market volatility on financial stability, and the operational risks associated with the digital transformation of the financial sector, the study seeks to offer a comprehensive analysis that is both theoretically robust and practically relevant. This research employs a qualitative systematic l

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Sahani, Kalpana, Soni Sahani, Sundip Bansal, Deepak Shakya, and Binay Shrestha. "Credit Risk Management of Kumari Bank Ltd. Nepal." International Journal of Emerging Research in Management and Technology 7, no. 4 (2018): 14. http://dx.doi.org/10.23956/ijermt.v7i4.2.

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Banks are always faced with different types of risks that may have a potentially negative effect on their business. Risk-taking is an inherent element of banking and, indeed, profits are in part the reward for successful risk taking in business. On the other hand, excessive and poorly managed risk can lead to losses and thus endanger the safety of a bank's depositors. Risks are considered warranted when they are understandable, measurable, controllable and within a bank’s capacity to readily withstand adverse results. Sound risk management systems enable managers of banks to take risks knowing

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Du, Yu Lin. "Risks and Management of P2P Online Lending." Advanced Materials Research 926-930 (May 2014): 3950–53. http://dx.doi.org/10.4028/www.scientific.net/amr.926-930.3950.

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In this paper, we focus on the risks and management of the P2P online lending such as funds security risk, credit risk and qualification risks, then analyze the problems in P2P loan business, we conclude this paper by proposing some measures in developing China P2P online lending business.

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Mikheil Khasaia, Mikheil Khasaia. "Theoretical Aspects of Organizational Risk Management." Economics 106, no. 3-5 (2024): 35–39. http://dx.doi.org/10.36962/ecs106/3-5/2024-35.

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Risk is multifaceted and complex, shaped by the industry-specific factors and inherent uncertainties. Risk assessment is a dynamic process that involves identifying, analyzing, and evaluating potential hazards to make informed decisions about risk mitigation. In industrial settings, this process is necessary to create a safe working environment and protect the overall well-being of the organization. Effective risk assessment involves the use of multiple factors and methods to address different types of risks. The article discusses the means, ways and methods used by enterprises to effectively

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Shevtsova, Olena, and Olena Tutova. "Credit market: resources and risks." Scientific Bulletin of Odessa National Economic University 9-10, no. 298-299 (2022): 95–102. http://dx.doi.org/10.32680/2409-9260-2022-9-10-298-299-95-102.

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Шевченко, Наталія, and Марта Копитко. "PROBLEMS OF RISK MANAGEMENT AND CREDIT SECURITY OF BANKS IN CONDITIONS OF WAR AND ECONOMIC INSTABILITY." "Scientific notes of the University"KROK", no. 4(76) (December 31, 2024): 287–94. https://doi.org/10.31732/2663-2209-2024-76-287-294.

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The article considers the basic essence of the concept of “bank credit security”, which is defined as a set of measures or directions aimed at minimizing the negative risks associated with the issuance, management and repayment of loans to individuals and legal entities. It is determined that the main structural elements of credit security management by a banking institution are: formation of a loan portfolio, credit policy and credit strategy; identification of risks and factors affecting the level of credit security; insurance against credit risks: formation of reserves, diversification, set

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Naobetova, Ziyada Niyet kizi. "RISK MANAGEMENT IN UZBEKISTAN'S COMMERCIAL BANKS." Journal of International science networks 1, no. 3 (2024): 117–21. https://doi.org/10.5281/zenodo.14292509.

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<em>This article explores the importance of risk management in Uzbekistan’s banking sector amid ongoing economic reforms. It addresses key risks such as credit, market, and operational risks that arise from increased credit demand, foreign investments, and digital transformation. The piece highlights the role of Basel III standards in enhancing capital adequacy and liquidity management. It also emphasizes the need for integrated risk monitoring platforms and the use of AI-driven systems to mitigate operational and cybersecurity risks. By adopting global best practices and adapting to loc

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HORODETSKA, Tetiana, Kateryna ZAICHENKO, and Alla IVASHCHENKO. "Methodical approaches for reducing the credit risk." Economics. Finances. Law 11/1, no. - (2021): 16–20. http://dx.doi.org/10.37634/efp.2021.11(1).3.

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Banking is inevitably associated with risks. No matter what efforts the bank makes to minimize risks, they will always exist – the only question is to what extent. Lending operations are among the most profitable types of banking, but they are associated with a high level of risk. The instability of the economic situation in the country, the imperfection of the legal framework in this area necessitate a detailed study of the problems of minimizing credit risks. It should be noted that the choice of methods of credit risk management in the bank is quite relevant today. Credit risk management is

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GERASYMENKO, S., and H. HOLUBOVA. "Statistical Assessment of Risks of Banking Activity." Scientific Bulletin of the National Academy of Statistics, Accounting and Audit, no. 3-4 (December 31, 2022): 5–14. http://dx.doi.org/10.31767/nasoa.3-4-2022.01.

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The authors summarized the classification of risks by their types: external and internal (functional and financial). It was noted that to the extent of the influence of external factors (legislation, the level of socio-economic development of the country, the behavior of investors, market conditions, the stability of the national currency exchange rate, etc.), it is practically impossible to assess the magnitude of external risks. Financial risks were described and it was determined that three categories of risk are the main among them: market, credit and operational. In the management o

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Luo, Na, Jiayi Yang, Yuanfeng Zhu, and Yu Zhang. "The Risk Management of Commercial Banks——Credit-Risk Assessment of Enterprises." International Journal of Economics and Finance 8, no. 9 (2016): 69. http://dx.doi.org/10.5539/ijef.v8n9p69.

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With the diversified developments of the financial market, commercial banks are confronted with various risks, among which the credit risk is the core, and thus the assessment of enterprises’ credit risks is especially important in the credit process of the commercial banks. Based on the relevant researches about commercial banks’ credit risk management, the paper carries out a deep analysis on the factors that may affect the credit risk assessment and then establishes a relatively comprehensive credit risk assessment system. In this paper, we apply our risk assessment model, which is establis

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Buhel, Yuliia. "Features of Managing the Credit Portfolio of Banking Institutions During Wartime." Economic Analysis, no. 34(3) (2024): 246–56. https://doi.org/10.35774/econa2024.03.246.

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The article analyzes the features of managing the credit portfolios of Ukrainian banking institutions during wartime, focusing on the impact of macroeconomic instability and rising credit risks on banks' lending activities. The study reviews key theoretical approaches to credit risk management, such as the KMV model and liquidity theory, as well as practical aspects of portfolio diversification and cluster analysis of credit portfolios. A coefficient analysis of the Ukrainian banking sector from 2015 to 2023 is conducted to assess the effectiveness of credit portfolio management during the war

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Jasevičienė, Filomena, and Vaida Valiulienė. "MAIN RISKS IN THE LITHUANIAN BANKING SECTOR: ANALYSIS AND EVALUATION." Ekonomika 92, no. 1 (2013): 97–119. http://dx.doi.org/10.15388/ekon.2013.0.1132.

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Abstract. There are a number of different financial market institutions such as banks, credit unions, leasing and insurance companies, as well as capital market players in Lithuania. The bank sector makes the largest part of the financial market (more than 80%). Thus, the bank sector has a considerable influence on the country’s economy. Banks are not specialized in Lithuania, i.e. they are universal banks which seek to provide quite a wide range of financial services. The successful performance of a bank mostly depends on how it succeeds to manage the risks. The problems of risk management ar

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Nayak, Bhabani Shankar, and Jia Xu. "Historical Trends and Transitions in Credit Risk Management of Chinese Commercial Banks." International Journal of Business Administration 9, no. 5 (2018): 96. http://dx.doi.org/10.5430/ijba.v9n5p96.

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The paper outlines different trends and transitions in the history of credit risk management of Chinese commercial banks. By critically reviewing different stages of credit management and its historical evolution, it helps in understanding the nature of subjective challenges faced by Chinese commercial banks to manage credit risks. It reviews post reform policies in particularly after 1978 to locate the policy transitions and trajectories of credit risk management of commercial banks in China. It helps to understand the problems and prospects of effective credit management of risks by Chinese

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Orlova, E. V. "Mechanism and model of credit portfolio diversification." Issues of Risk Analysis 17, no. 1 (2020): 78–89. http://dx.doi.org/10.32686/1812-5220-2020-17-1-78-89.

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Under conditions of demand for credit resources growing in Russian economy the importance of credit risks assessment and their influence on the credit organizations efficiency is increased. Empirical studies show that credit risks in the banking today are increasing nonlinearly relative to the main characteristics of the credit — the level of credit risk, credit terms, interest rate. Therefore, the formation of the most acceptable from the point of view of risk reducing of the bank’s credit portfolio is a scientifically based and practically important problem. The aim of the work is to justify

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Elalami Lahlimi, Azeddine, Mohammad Beraich, Sher Ali Khan, Irtaza Ishtiaq, and Muhammad Masood. "FACTORS INFLUENCING CREDIT RISKS MANAGEMENT OF MOROCCAN FINANCIAL ORGANIZATIONS." Globus An International Journal of Management and IT 12, no. 1 (2021): 71–76. http://dx.doi.org/10.46360/globus.mgt.120202010.

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Skryabin, O. O. "Accounts receivable management as a factor for improving financial condition." Refrigeration Technology 109, no. 1 (2020): 34–36. http://dx.doi.org/10.17816/rf104087.

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The article deals with the choice of credit policy of an industrial enterprise. The influence of the chosen credit policy on the performance of an industrial enterprise is analyzed. A variant of implementing a conservative credit policy to reduce the risks of working with debtors is considered.

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Orlova, Ekaterina V. "Decision-Making Techniques for Credit Resource Management Using Machine Learning and Optimization." Information 11, no. 3 (2020): 144. http://dx.doi.org/10.3390/info11030144.

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Credit operations are fundamental in the banks’ activities and provide a significant share of their income. Under an increased demand for credit resources, credit risks are growth. It keeps the importance of the problem of an increase in the efficiency of lending management processes in financial institutions. The aim of the work is the justification and development of new technology and models for the management of bank lending that reduce credit risks and increases lending efficiency. The research materials are statistical data from the Bank of Russia and Rosstat. The methods of system analy

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Jr., Romeo B. Campos,. "The Impact of Digitalization on Credit Risk Management in Microfinance Institutions in Nueva Ecija, Philippines." Indian Journal of Information Sources and Services 14, no. 3 (2024): 145–56. http://dx.doi.org/10.51983/ijiss-2024.14.3.20.

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The study examines the credit risk management practices of lending institutions in rural Nueva Ecija, Philippines, amidst their significant growth and the evolving economic landscape. Given their pivotal role in financial transactions, these institutions face inherent risks which necessitate effective management strategies. Employing a descriptive method, the research identified and evaluated credit risk management practices, focusing on credit analysis and collection policies. The study also assessed the impact of digitalization on these practices within microfinance institutions in the regio

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Rentor, Antonius Bimo, Amelia Setiawan, and Gery Lusanjaya. "Segregation of Job Duties and Types of Personalityin Responding the Risks." Jurnal Dinamika Akuntansi 9, no. 1 (2018): 49–62. http://dx.doi.org/10.15294/jda.v9i1.11999.

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This study aims to analyze the implementation of tasks separation associating with analysis of personality. The object in this study consists of organizational structure and job description of employees in a credit department at one of the banks in Indonesia. This research uses a descriptive method that designed to collect data that describes characteristics of an interesting variable in a certain situation. Data collection consists of literature studies and field research and specific techniques that developed from field research including interviews, questionnaire collection, and field obser

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Ejike, R.D., D.O. Ohajianya, and J.I. Lemchi. "Agricultural Credit Risk and Default Management by Banks in Imo State, Nigeria." Greener Journal of Agricultural Sciences 3, no. 2 (2013): 137–44. https://doi.org/10.15580/GJAS.2013.2.120512314.

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<strong>This study was designed to analyze agricultural credit risks and defaults management by banks in Imo State. Data were collected with the use of structured and validated questionnaire from 12 purposively selected bank branches and 72 randomly selected farmer loan beneficiaries in the state. Data were analyzed using means, percentages, frequency distribution and ordinary least square regression model. The standard deviations determined for riskiness of agricultural credit to farmers in the three zones (Owerri, Okigwe and Orlu zones) of Imo State were found to be N187,928.93, N146,586.56

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Qiu, Sipeng. "Exploring the Association Between Corporate Financial Credit Risk Management and Corporate Value." Frontiers in Business, Economics and Management 14, no. 2 (2024): 61–64. http://dx.doi.org/10.54097/xajfzq51.

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In the rapidly changing business environment, corporate financial credit risk management has become a key factor in the stable operation and continuous value enhancement of enterprises. Corporate value is reflected not only in its tangible assets but also in its intangible assets and management capabilities. Among them, financial credit risk management, as an important part of corporate management, is increasingly being paid attention to for its association with corporate value. Financial credit risk management involves the identification, assessment, monitoring, and control of risks related t

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Razov, P. V., and S. E. Shtepa. "Social Risks of Consumer Credit Students." Humanities and Social Sciences. Bulletin of the Financial University 9, no. 4 (2019): 106–10. http://dx.doi.org/10.26794/2226-7867-2019-9-4-106-110.

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The financial and economic sphere is very rich in all sorts of social risks since money in modern realities is one of the essential benefits for healthy existence. In this regard, significant scientific and practical importance is the study of the process of management of social risks of consumer lending to students, as well as influencing factors. The study of these issues will help to assist in minimising the risks of consumer lending, as well as to develop a strategy for introducing changes in the process of informing and issuing loans to students. The article presents the results of the au

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Merkulova, Inna V., Natalya V. Wiederker, Sofya V. Akhanova, and Anastasia S. Udodova. "ASSESSMENT OF THE BORROWER’S CREDIT RISK USING SCORING." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 1/13, no. 154 (2025): 135–43. https://doi.org/10.36871/ek.up.p.r.2025.01.13.015.

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With the growth of lending volumes, the credit risks faced by banks and financial institutions are also increasing. Therefore, managing these risks is of paramount importance. Scoring, as one of the main methods of assessing creditworthiness, plays an important role in the credit risk management process. Currently, credit institutions automate scoring using artificial intelligence technologies, thereby increasing customer loyalty.

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Singh, Dr Jeet, and Dr. Preeti Yadav. "Strategies for managing risks in banks." Acta de Gerencia Ciencia 1, no. 2 (2013): 6–20. https://doi.org/10.5281/zenodo.14886231.

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Risk Management is a discipline at the core of every financial institution and encompasses all the activities thataffect its risk profile. Commercial banks cope with many risks, the most important of which are credit, market,operational and liquidity risks. As modern banking technologies develop, new risks occur. Statistical riskmanagement methods, that combined with other management methods give good results, are becomingmore popular and widely used. In order to adapt risk management systems most commercial banks will have tomake changes in their risk management models. The present study show

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Shaaban, Youssef Gamil Masoud. "Mitigating Financial Risks in Modern Businesses: Strategies for Market Volatility and Credit Risk Management." Emirati Journal of Business, Economics, & Social Studies 4, no. 1 (2025): 54–59. https://doi.org/10.54878/q87qyr97.

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The exponential increase in bankruptcy risks in competitive business environments necessitates the implementation of effective risk management strategies to ensure sustainability and growth. This paper explores how companies and startups address financial risks such as market volatility and credit risk, which are critical in today's dynamic economic landscape. Techniques like hedging, which involves purchasing insurance for assets, and diversification, an investment strategy that spreads investments across various income sources, are highlighted as crucial methods for mitigating these risks. A

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Agaba, Francis, Caleb Tamwesigire, and Marus Eton. "Credit Risk Management Practices and Loan Performance of Commercial Banks in Uganda." Business Perspective Review 4, no. 1 (2022): 16–28. http://dx.doi.org/10.38157/bpr.v4i1.394.

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Purpose: The study examined the relationship between Credit Risk Management Practices and Loan Performance of Commercial Banks in Mbarara City. The study covered 19 commercial banks. Method: A correlational design was used to establish the relationship between different credit risk management practices and Loan Performance in selected commercial banks in the city. The study used a structured questionnaire to collect numerical data from the credit staff and management of 19 commercial banks. Correlation and regression tests to analyze the relationships and effects of Credit risk management and

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Bi, Wentai, and Yuan Liang. "Risk Assessment of Operator’s Big Data Internet of Things Credit Financial Management Based on Machine Learning." Mobile Information Systems 2022 (August 2, 2022): 1–11. http://dx.doi.org/10.1155/2022/5346995.

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Credit risk evaluation innovation is of incredible importance to monetary establishments. AI innovation can fundamentally work on the precision and versatility of credit risk evaluation. This paper aims to study the risk assessment of operator big data Internet of Things credit financial management based on machine learning. It proposes machine learning-related algorithms, including the introduction of logistic model and decision tree model, as well as related concepts of credit financial management risk. This paper proposes that big data can be better used to reduce financial risk management

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Gaibov, T. S. "Criteria for Classification of Risks of Project Financing in Оrder to Manage the Risks of Specialized Lending Portfolio". World of new economy 12, № 2 (2018): 58–65. http://dx.doi.org/10.26794/2220-6469-2018-12-2-58-65.

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In the article we analyzed international and Russian methodological approaches for classification of risk in project finance and identified crucial criteria which provide further framework for development of principles and management mechanism of specialized credit portfolio at commercial bank. Considering relevant literature and taking into account the main purpose of the study, the practical use of aggregation of project finance risk taxonomy was concluded and three groups of risk were proposed: product risk, counterparty risk and portfolio risk. For each group, it was highlighted list of si

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Tsintsadze, Asie, Vladimer Glonti, Lela Oniani, and Tamar Ghoghoberidze. "Empirical Analysis of Financial and Non-Financial Risks of the Commercial Bank." European Journal of Sustainable Development 8, no. 2 (2019): 101. http://dx.doi.org/10.14207/ejsd.2019.v8n2p101.

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Background: Activities of commercial banks are connected with numerous risks, the source of which is the internal and external processes of the bank. Objectives: Risk management science has been studying the origins of the risks, determining their impact quality and avoiding expected loss models from the 1950s. Method/Approach: Credit risk regressive analysis is based on the selection of effective factors, determination of their influence and prediction of future according to the correlation coefficient. Results/Findings: In the article, it is discussed the regressive analysis of operational r

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