CREDIT MANAGEMENT AND FINANCIAL PERFORMANCE OF MICRO-FINANCIAL INSTITUTIONS IN MOMBASA COUNTY, KENYA

Strategic Journal of Business & Change Management Pub Date : 2023-10-19 DOI:10.61426/sjbcm.v10i4.2748

ASENATH MBOE, STANLEY KAVALE, PhD

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Abstract

The general objective of the study was be to investigate the effect of credit management on financial performance of Micro Finance Institutions (MFIs) in Kenya. The study specific objectives were to establish the effect of client credit appraisal, credit risk monitoring, credit granting and credit terms on financial performance of MFIs in Mombasa County . The theories guiding the study were asymmetry information theory, 5 Cs client appraisal model, motive theory and balanced score card theory . The study found out that credit appraisal, credit risk monitoring, credit granting and credit terms affect financial performance of MFIs in Mombasa County, Kenya. The study concluded that client credit appraisal, credit risk monitoring, credit granting and credit terms influences the performance of MFIs in Mombasa County. The study recommended that management of MFIs should improve on client credit appraisal, credit risk monitoring, credit granting and credit terms so as to improve on the performance of MFIs in Mombasa County. Key Words: Credit Appraisal, Credit Risk Monitoring, Credit Granting, Credit Terms CITATION: Mboe, A., & Kavale, S. (2023). Credit management and financial performance of micro-financial institutions in Mombasa County, Kenya. The Strategic Journal of Business & Change Management, 10 (4), 261 – 272. http://dx.doi.org/10.61426/sjbcm.v10i4.2748.

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肯尼亚蒙巴萨县小额金融机构的信贷管理和财务绩效

该研究的总体目标是调查信贷管理对肯尼亚小额金融机构(mfi)财务绩效的影响。研究的具体目标是建立客户信用评估、信用风险监测、授信和信贷条款对蒙巴萨县小额信贷机构财务绩效的影响。指导本研究的理论有信息不对称理论、5c客户评价模型、动机理论和平衡计分卡理论。研究发现，肯尼亚蒙巴萨县小额信贷机构的信用评估、信用风险监测、授信和信贷条件影响其财务绩效。研究发现，蒙巴萨县小额信贷机构的绩效受到客户信用评估、信用风险监控、授信和授信期限的影响。研究建议小额信贷机构的管理应从客户信用评估、信用风险监控、授信和授信条件等方面进行改进，以提高蒙巴萨县小额信贷机构的绩效。关键词:信用评估，信用风险监控，授信，授信条件引用:Mboe, A， &卡瓦莱，S.(2023)。肯尼亚蒙巴萨县小额金融机构的信贷管理和财务绩效。商业战略杂志;管理学报，21(4)，391 - 391。http://dx.doi.org/10.61426/sjbcm.v10i4.2748。

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Strategic Journal of Business & Change Management

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