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Please use this identifier to cite or link to this item: http://hdl.handle.net/123456789/2589
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dc.contributor.authorZewdu, Ermias-
dc.contributor.authorDesalgne, Solomon-
dc.contributor.authorTeklay, Yemaneberhan-
dc.date.accessioned2016-12-31T06:03:01Z-
dc.date.available2016-12-31T06:03:01Z-
dc.date.issued2014-07-
dc.identifier.urihttp://hdl.handle.net/123456789/2589-
dc.description.abstractThe study assesses the challenges and prospects of credit management in AIB Arada Giorgies branch. The research has been conducted mainly to find the major problems in credit management of the bank. The researcher used questionnaire and interview to obtain the attitudes, views and comments of borrowers and key personnel’s from sample respondents which were selected using both judgmental and stratified random sampling technique by grouping loan types in each sector. Judgmental sampling is used to select senior staffs from Arada Giorgis branch, credit analysts at head office and employees who are related with the study. The data obtained were presented and analyzed by using descriptive statistical method. According to the result lack of proper financial statements submitted by borrowers in one side and a highly general, centralized, less flexible and not up to dated credit policy and procedure on the other are major problems identified which affects the quality of credit process, analysis and the decisions or recommendations of credit facilities. Moreover, irregular customer's business visiting, poor recognition for good borrowers and low the collateral value estimation are the flaws where as strictly reminding borrowers for repayment are the strong point of the bank. Generally, AIB should make the credit policies and procedures in a clearly defined, flexible and timely way and the credit procedures should include detail assessment of criteria for each credit products.en_US
dc.language.isoen_USen_US
dc.publisherSt. Mary's Universityen_US
dc.subjectChallenges and Prospects, Credit Managementm Practice, Awash International Banken_US
dc.titleAn Assessment of Challenges and Prospects of Credit Management Practice in The Case of Awash International Bank s.coen_US
dc.typeArticleen_US
Appears in Collections:The 8th Student Research Forum

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