Effects of Loan Management on Financial Performance of I&M Bank, Rwanda

Emilienne Nsomandera Kayumba
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Emilienne Nsomandera Kayumba: Business Administration, Accounting and Finance Department, University of Kigali

International Journal of Research and Innovation in Social Science, 2024, vol. 8, issue 5, 1105-1130

Abstract: Managing loan successfully has always been a challenge for bankers: Lend funds or not lend funds to clients. This paper examined the effects of loan management on financial performance of I&M Bank, Rwanda between 2018 and 2022. The specific goal of the study was to ascertain the effects of credit risk assessment practices on financial performance, the effect of loan monitoring procedures and loan recovery strategies on financial performance of the bank. The developed theories of loan pricing theory, modern portfolio theory and agency theory served as the foundation stone for this investigation. These theories were tested by descriptive statistics of mean, standard deviation coupled with multiple regression analysis from the questionnaire as the instrument and return on assets document. The results show that, credit risk assessment practices regressed at β1 = 0.640 with a value of p

Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:bcp:journl:v:8:y:2024:i:5:p:1105-1130

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