Examining the Credit Granting Process in a Commercial Bank.

Author(s)

Evans Brako Ntiamoah , Mark Agyei-Sakyi , Beatrice Opoku ,

Download Full PDF Pages: 59-62 | Views: 355 | Downloads: 102 | DOI: 10.5281/zenodo.3457847

Volume 3 - December 2014 (12)

Abstract

Purpose: The purpose of this paper was to examine the credit granting process in a commercial bank in Ghana. Commercial banks play a critical role to emerging or developing economics like Ghana where borrowers have no or limited access to capital markets. Design/methodology/approach: The study adopted both qualitative (case study) and quantitative methods respectively. Banks were 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 Ecobank (EBG), Ghana Commercial Bank (GCB) and UT Bank.

Findings: The data gathered for the study were analyzed using correlation. Results of the study showed that there is a high positive correlation between the constructs of credit risk and banks operation.

Keywords

credit risk, credit granting process and Ghanaian banking industry. 

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