The Effect of Client Appraisal on the Efficiency of Micro Finance Bank

Esther Yusuf Enoch, Usman Abubakar Arabo and Abubakar Mahmud Digil

Papers from arXiv.org

Abstract: One of the major problems confronting financial institutions most especially microfinance institutions is the increasing incidence of loan defaults and consequence loan losses which manifested in their financial performance with huge uncollectible loans and advances. This study assessed the effects of credit management on financial performance on microfinance institutions in Adamawa State, Nigeria. Specifically, we examine the effect of client appraisal on the efficiency of microfinance banks in Adamawa State. The methodology employed in this study is the survey method in which both primary and secondary sources were used in the collection of data. A multi-stage sampling method was adopted in selecting a sample of 21 respondents from a total population of 52 credit officers. Questionnaires were used in the due collection of data from the respondents. Descriptive statistics (simple percentage) and inferential statistics (regression analysis) were used to analyze the data collected and in testing the hypotheses. The study showed that client appraisal has a positive effect on efficiency and productivity.

Date: 2021-06
New Economics Papers: this item is included in nep-ban, nep-eff and nep-mfd
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Published in American International Journal of Business Management (AIJBM), ISSN- 2379-106X, www.aijbm.com Volume 4, Issue 06 (June-2021), PP 39-51

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Persistent link: https://EconPapers.repec.org/RePEc:arx:papers:2106.07679

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