Abstract
Bankers' perception on the determinants of credit risk in case of Ethiopian commercial banks
Highlights
Background of The StudyAny country’s economic system highly relies on the institutions that mobilize financial resources from those with surplus of funds to those with a deficit
The main objective of this study is to explore the perception of bankers on the determinants of credit risk in Ethiopian Commercial banks
In the study performed by Jimenez and Saurina (2005) on the Spanish banking sector, and Rajan and Sarat (2003) on Indian commercial banks, Nonperforming Loans (NPLs) are found to be determined by lenient credit terms.According to Boudriga A., et al, (2009) and Dash and Kabra, (2010) a rise in credit volume is associated with a fall on non-performing loans
Summary
Any country’s economic system highly relies on the institutions that mobilize financial resources from those with surplus of funds to those with a deficit. Knowing the significance of credit risk in the banking industry, various studies have been undertaken in different developed and developing countries by giving an emphasis on the determinants of credit risk. Some of such studies are presented as follows. This study is undertaken by mainly involving the perception of bankers on credit risk determinants in Ethiopian Commercial Banks. This study intends to investigate the determinant factors of credit risk in Ethiopian commercial banks from the view point of the perception of bankers. To what extend the industry in which a bank operates affect the quality of loans?
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