Browsing by Author "Yohannes, Selamsew"
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Item Determinants and Management of Credit Risk in Micro Finance Institutions: Empirical Study on Selected MFIs in Ethiopia(A.A.U, 2012-06) Yohannes, Selamsew; Yitayew, Abebe (Associate Professor)Credit risk is one of the risks any financial institution is exposed for; managing their credit risk will be the key to their financial sustainability, The general objective of this research is to determine the factors influencing Ethiopian Micro finance institutions credit risk, management of credit risk of major Ethiopian MFls, and an entire review of the management techniques and practices on credit risk management, The researcher used a mixed approach study where the quantitative data show the determinants of credit risk and the qualitative data describes the causes, techniques and other things related with credit risk which is battler described qualitatively. In total ten years data often MFls were used to make an econometrics model and five structured interviews are administered to colleen the qualitative data, The finding suggest that five variables i,e, loan to deposit ratio, average loan per borrower, total assets, leverage, and management efficiency are significantly affecting the credit risk, and their credit risk arises from different aspects that can be seen from three perspective i,e, external and internal factors, borrowers and lenders characteristics, and firm and loan characteristics, Although, Ethiopian MFls have different techniques that are used 10 manage their credit risk. Key Words; Credit risk, Micro Finance Institutions