Credit Monitoring Activity and Asset Quality in the Case of Dashen Bank
| dc.contributor.advisor | Yitayew, Abebe (PhD) | |
| dc.contributor.author | Aknaw, Yihnalem | |
| dc.date.accessioned | 2018-11-07T06:46:24Z | |
| dc.date.accessioned | 2023-11-04T09:03:16Z | |
| dc.date.available | 2018-11-07T06:46:24Z | |
| dc.date.available | 2023-11-04T09:03:16Z | |
| dc.date.issued | 2015-01 | |
| dc.description.abstract | This research paper presents assessment of credit monitoring and asset quality in the case of Dashen Bank. The study was conducted on the basis of opinion survey collected from randomly selected credit officers working in Dashen Bank through interview. The collected data were analyzed using descriptive qualitative research to assess and describe the relationship of credit monitoring and asset quality in banks operating in Ethiopia, particularly in Dashen Bank Share Company. The research also aimed at assessing the factors that affect asset quality and areas of improvement in the credit monitoring activity. The results from the analysis has emphasized on four findings. First, credit monitoring activity and asset quality are related and the relevance of their relationship is significant. Second, credit monitoring activity and asset quality are affected by credit governance, collateral position of borrowers, credit culture, market condition, economic conditions, finical conditions and the monetary policy of National Bank of Ethiopia. The economic condition, market condition, monetary policy and credit culture are external factors that significantly affect credit monitoring activity while the credit governance, collateral position and financial condition are internal factors that significantly affect asset quality. But the later factors are also affected by the credit monitoring activity. Finally, it was also recommended that the credit deployment plan and loan portfolio management, the credit appraisal and approval function and the performance evaluation and monitoring activity should be regularly reviewed in line with all relevant internal and external factors to ensure prevalence of enhanced credit monitoring activity and asset quality. | en_US |
| dc.identifier.uri | http://etd.aau.edu.et/handle/123456789/13840 | |
| dc.language.iso | en | en_US |
| dc.publisher | Addis Ababa University | en_US |
| dc.subject | Credit Monitoring Activity | en_US |
| dc.title | Credit Monitoring Activity and Asset Quality in the Case of Dashen Bank | en_US |
| dc.type | Thesis | en_US |