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首页> 外文期刊>Research Journal of Finance and Accounting >An Assessment of Credit Risk Management in Non- Bank Financial Institution: A Case Study of Selected Co-Operative Credit Union in Ghana
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An Assessment of Credit Risk Management in Non- Bank Financial Institution: A Case Study of Selected Co-Operative Credit Union in Ghana

机译：非银行金融机构信用风险管理评估：以加纳选定的合作信用社为例

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The study sets out to assess the Credit Risk Management in the Non-Bank Financial Institution in Ghana. The case of selected Co-Operative Credit Union in Koforidua municipality. The study adopted both qualitative (case study) and quantitative methods respectively. A number of co-operative credit union was selected to gather data, which was acquired from answers obtained from our administered questionnaires. The population of the survey constituted the management and non-management staff and customers of the selected co-operative credit union. The data gathered for the study were analyzed using correlation and regression. It was discovered in the study that the Non-Bank Financial Institution (Co-Operative Credit Union) has been of much assistance to most businesses through the mobilization and provision of funds to enable them improve and expand their businesses. The researchers, however noted some constraints which, when eliminated, will enhance the development and survival of most businesses which seek financial assistance from these Non-Bank Financial Institutions to improve the Ghanaian economy. Among such constraints were; improper credit risk management, inappropriate approaches used in controlling loan default, to mention few. The researchers have put forward useful recommendation for consideration in order to improve the credit risk management to the greater benefit of management, customers and the entire nation. Non-Bank Financial institution has been of much assistance to most industries and businesses through the provision of finance to enable them improving and expand their businesses. To also assess the credit policy written down by Non-Bank financial institution.it also ascertains the monitoring of loans granted to customers. Co-operative credit unions should put in facilities in place to educate the public on how customers and members can take advantage and improve upon their existing standard of living.
机译：该研究旨在评估加纳非银行金融机构的信用风险管理。在科福里杜瓦市选定的合作信用社案例。该研究分别采用了定性（案例研究）和定量方法。选择了许多合作社信用合作社来收集数据，这些数据是从我们管理的调查表获得的答案中获得的。调查的人口构成了选定的合作社信用社的管理和非管理人员以及客户。使用相关性和回归分析为该研究收集的数据。该研究发现，非银行金融机构（合作信用联盟）通过动员和提供资金以使他们改善和扩展业务为大多数企业提供了很大的帮助。然而，研究人员注意到一些制约因素，这些制约因素一旦消除，将促进寻求这些非银行金融机构提供财政援助以改善加纳经济的大多数企业的发展和生存。这些限制包括：信用风险管理不当，控制贷款违约所使用的方法不恰当，仅举几例。研究人员提出了有益的建议供考虑，以改善信用风险管理，从而为管理人员，客户和整个国家带来更大的利益。非银行金融机构通过提供融资以使他们改善和扩展业务为大多数行业和企业提供了大量帮助。还评估非银行金融机构写下的信贷政策。它还确定对发放给客户的贷款的监控。合作信用社应建立适当的设施，向公众教育客户和会员如何利用并改善他们现有的生活水平。

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