• user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: SELECT data, created, headers, expire, serialized FROM cache_filter WHERE cid = '2:ae9e4ba3ce4a686f709689e2e790d2e5' in /home/unonbi/public_html/uon/includes/cache.inc on line 27.
  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<p>This study examined the relationship between credit risk management and non performing loans<br />\n in the financial sector in Kenya. The population of the study included all the 45 commercial<br />\n banks in Kenya based/headquartered in Nairobi. Primary data was collected by use of<br />\n questionnaires. Out of the targeted 45 respondents 37 responded thus a respondent rate of 82.2%,<br />\n a confidence level sufficient enough to make conclusions on the objective of the study.<br />\n The data was analyzed using descriptive and inferential statistics. The research found that in the<br />\n Kenyan set up a combination of intensive credit risk management by the banks coupled with<br />\n close supervision by the central bank has greatly enhanced the decline of nonperforming loans<br />\n ratio in the banking sector yearly. Analyzing the asset quality of the financial sector for the past<br />\n six years, the ratio of gross nonperforming loans to gross loans has declined from a high of 35%<br />\n in 2003 to a low of 9.23% in 2008. The decline of this ratio confirms the close relationship<br />\n between nonperforming loans and credit risk management as the reasons behind this decline has<br />\n been explained as being mainly due to enhanced corporate governance and risk management as<br />\n well as credit underwriting standards by the banks coupled with CBK strict supervision.On the credit risk techniques, the research found that credit limits, diversification of credit<br />\n portfolio, BIS requirements, credit insurance, securitization and credit scoring are used by all the<br />\n banks studied. Loan scoring was found to be unpopular as a credit risk tool with only 48.65% of<br />\n the banks using the same. In addition to that, pricing and loan syndication are also not used by all<br />\n the banks in Kenya.</p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:ae9e4ba3ce4a686f709689e2e790d2e5' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<div>\n<ul>\n<li><a href=\"/about/history\">Brief History</a></li>\n<li><a href=\"/about/message-from-the-dean\">Message from the Dean</a></li>\n<li><a href=\"/about/vision-and-mission\">Vision, Mission &amp; Core Values</a></li>\n<li><a href=\"/node/862\">Service Charter</a></li>\n<li><a href=\"/node/861\">Strategic Plan</a></li>\n<li>\n<p><a href=\"/node/2199\">Organizational Chart</a></p>\n</li>\n<li><a href=\"/uon_newsletters\">Newsletters</a></li>\n<li><a href=\"/uon_reports_index\">Annual Report</a></li>\n<li><a href=\"/contacts\">Contacts</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/2172\">Alumni</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/6558\">Lead Personalities</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/2215\">Linkages</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/2824\">Committees</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/6255\">Seminars and Presentations</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/5237\">Workshops</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/5238\">Public Lectures</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/5239\">Conferences</a></li>\n</ul>\n</div>\n<p>&nbsp;</p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:faddcb926ce445593454e44e74a460bf' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<div>\n<ul>\n<li><a href=\"/uon_research_projects\">Completed projects</a></li>\n<li><a href=\"/uon_publications\">Publications</a></li>\n<li><a href=\"/uon_journals\">Journals</a></li>\n<li><a href=\"/uon_conferences\">Conferences</a></li>\n<li><a href=\"/uon_consultancies\">Mainstream Consultancy</a></li>\n<li><a href=\"/uon_teaching_facilities\">Teaching &amp; Research Facilities</a></li>\n<li><a href=\"/uon_products\">Services, Products &amp; Farms</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/2834\">Research Projects</a></li>\n</ul>\n</div>\n<p>&nbsp;</p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:24ddf86aaf6626eebc48ec232843dda8' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<ul>\n<li class=\"leaf\">\n <a href=\"http://businessadmin.uonbi.ac.ke\" target=\"_blank\">Business Administration</a></li>\n<li class=\"leaf\">\n <a href=\"http://financeaccounting.uonbi.ac.ke\" target=\"_blank\">Finance &amp; Accounting</a></li>\n<li class=\"leaf\">\n <a href=\"http://managementscience.uonbi.ac.ke\" target=\"_blank\">Management Science</a></li>\n</ul>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:41856b69fda952aaa2fd3f24eacb2045' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: SELECT data, created, headers, expire, serialized FROM cache_filter WHERE cid = '2:76b86f121eed48d25b058a33a6024852' in /home/unonbi/public_html/uon/includes/cache.inc on line 27.
  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<p><a href=\"/sites/default/files/chss/business/business/EXECUTIVE%20EDUCATION%20AND%20CONSULTANCY%20SERVICES%20AT%20THE%20SCHOOL%20OF%20BUSINESS.pdf\">Executive Education &amp; Consultancy Services</a></p>\n<p><a href=\"http://business.uonbi.ac.ke/node/2217\">Undergraduate</a></p>\n<p><a href=\"http://business.uonbi.ac.ke/node/2675\">Graduate</a></p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:76b86f121eed48d25b058a33a6024852' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: SELECT data, created, headers, expire, serialized FROM cache_filter WHERE cid = '2:9533832a6176ee1a7deead723ae54720' in /home/unonbi/public_html/uon/includes/cache.inc on line 27.
  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<ul>\n<li>\n <a href=\"http://managementscience.uonbi.ac.ke/node/787/\">Procurement and Supply Chain Management</a></li>\n<li>\n <a href=\"http://managementscience.uonbi.ac.ke/node/788\">Management Information Systems</a></li>\n<li>\n <a href=\"http://managementscience.uonbi.ac.ke/node/789\">Operations and Technology Management</a></li>\n<li>\n <a href=\"http://managementscience.uonbi.ac.ke/node/790\">Decision Science</a></li>\n<li>\n <a href=\"http://businessadmin.uonbi.ac.ke/node/1183\">Human Resource</a></li>\n<li>\n <a href=\"http://businessadmin.uonbi.ac.ke/node/1184\">Strategic Management</a></li>\n<li>\n <a href=\"http://businessadmin.uonbi.ac.ke/node/1185\">International Business</a></li>\n<li>\n <a href=\"http://businessadmin.uonbi.ac.ke/node/1186\">Marketing</a></li>\n<li>\n <a href=\"http://businessadmin.uonbi.ac.ke/node/1187\">Insurance</a></li>\n<li>\n <a href=\"http://businessadmin.uonbi.ac.ke/node/1189\">Entrepreneurship</a></li>\n<li>\n <a href=\"http://financeaccounting.uonbi.ac.ke/node/899\">Investments</a></li>\n<li>\n <a href=\"http://financeaccounting.uonbi.ac.ke/node/900\">Corporate Finance</a></li>\n<li>\n <a href=\"http://financeaccounting.uonbi.ac.ke/node/901\">Financial Markets And Institutions</a></li>\n<li>\n <a href=\"http://financeaccounting.uonbi.ac.ke/node/902\">Financial Accounting</a></li>\n<li>\n <a href=\"http://financeaccounting.uonbi.ac.ke/node/903\">Taxation</a></li>\n<li>\n <a href=\"http://financeaccounting.uonbi.ac.ke/node/904\">Auditing</a></li>\n</ul>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:9533832a6176ee1a7deead723ae54720' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<div class=\"content\">\n<ul>\n<li class=\"rteleft\">\n <a href=\"/uon_calendar_activities/all\">Academic/Student</a></li>\n<li class=\"rteleft\">\n <a href=\"/uon_calendar_activities/staff\">Staff</a></li>\n<li class=\"rteleft\">\n <a href=\"/uon_calendar_activities/students\">Students</a></li>\n<li class=\"rteleft\">\n <a href=\"/uon_calendar_activities/others\">Other stakeholders</a></li>\n</ul>\n</div>\n<p>\n &nbsp;</p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:38248af1b1b50199562646698befde8f' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<div>\n<ul>\n<li><a href=\"/uon_student_activities\">Activities</a></li>\n<li><a href=\"/uon_student_projects\">Students Projects</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/2214\">International Students</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/6559\">Timetables</a></li>\n</ul>\n</div>\n<p>&nbsp;</p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:dd608cc485f24d147c0a5a952987fcd0' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: SELECT data, created, headers, expire, serialized FROM cache_filter WHERE cid = '2:2ddf60b4a589074171d202e1fc2f77ef' in /home/unonbi/public_html/uon/includes/cache.inc on line 27.
  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<ul>\n<li><a href=\"http://business.uonbi.ac.ke/node/2733\">Students&nbsp;of Lower Kabete Organization(SOBO)</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/2734\">Kenya Model United Nation</a></li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2747\">ST. Monica Catholic Community (LKC)</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2756\">Muslim Student Association ( MSAUN)</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2769\">Greenhorn Mentorship Program</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2779\">School of Business Entrepreneurship Club (SOBEC)</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2780\">SDA Group Lower Kabete Campus</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2791\">Peace Units Programme (PUP)</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2800\">SONU -Lower &nbsp;Kabete Campus</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2950\">Lower Kabete Campus Christian Union</a></p>\n</li>\n</ul>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:2ddf60b4a589074171d202e1fc2f77ef' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<ul>\n<li><a href=\"http://business.uonbi.ac.ke/node/2957\">Guidelines for ISP (Ph.D)</a></li>\n<li><a href=\"http://business.uonbi.ac.ke/node/2477\">MBA Proposal Guidelines</a></li>\n<li><a href=\"http://www.uonbi.ac.ke/academic_calender_2012_2013\">Admission booklet 2012/2013</a></li>\n<li><a href=\"http://smis.uonbi.ac.ke/\" target=\"_blank\">Student Portal</a></li>\n<li><a href=\"http://smis.uonbi.ac.ke/staff/index.php\" target=\"_blank\">Staff SMIS Login</a></li>\n<li><a href=\"http://mail.uonbi.ac.ke/src/login.php\" target=\"_blank\">Staff Email</a></li>\n<li><a href=\"http://www.uonbi.ac.ke/node/213\">Find People</a></li>\n<li><a href=\"http://wiki.uonbi.ac.ke\">Chemi Chemi Wireless Network(WIFI)</a></li>\n<li><a href=\"http://mail2.uonbi.ac.ke/\" target=\"_blank\">Student Email</a></li>\n<li><a href=\"http://learning.uonbi.ac.ke/\" target=\"_blank\">E-Learning Portal</a></li>\n<li><a href=\"http://webportal.uonbi.ac.ke/login.php\" target=\"_blank\">Staff Portal</a></li>\n<li><a href=\"http://intranet.uonbi.ac.ke/\" target=\"_blank\">UoN Intranet</a></li>\n<li><a href=\"http://uonlibrary.uonbi.ac.ke\" target=\"_blank\">Library Services Portal </a></li>\n<li><a href=\"http://www.uonbi.ac.ke/ip\" target=\"_blank\">Intellectual Property</a></li>\n<li><a href=\"http://erepository.uonbi.ac.ke/\">UoN Digital Repository</a></li>\n</ul>\n<div>\n<div>\n<div>\n<div>\n<ul>\n<li><a href=\"http://www.uonbi.ac.ke/node/145\">Research Activities </a></li>\n<li><a href=\"http://www.uonbi.ac.ke/node/146\">Search for UON Publications</a></li>\n<li><a href=\"http://www.uonbi.ac.ke/node/147\">Research Project Websites</a></li>\n<li><a href=\"http://www.uonbi.ac.ke/node/148\">UON Academic Journals</a></li>\n<li><a href=\"http://conferences.uonbi.ac.ke/\">UON Conferences</a></li>\n<li><a href=\"http://www.uonbi.ac.ke/press\" target=\"_blank\">University Press</a></li>\n<li><a href=\"http://www.uonbi.ac.ke/node/149\">University Collaborations</a></li>\n<li><a href=\"http://www.uonbi.ac.ke/activities/KNHUoN/\">Kenyatta National Hospital and University Of Nairobi </a></li>\n<li><a href=\"http://www.uonbi.ac.ke/activities/KNHUoN/\">Nairobi Ethics and Research Review Committee</a></li>\n<li><a href=\"http://invescoassurance.co.ke/index.php?option=com_content&amp;view=article&amp;id=134&amp;Itemid=135\">Invesco Assurance</a></li>\n<li><a href=\"http://www.makaliaadventures.com/\">Makalia Adventures</a></li>\n<li><a href=\"http://bloggingisahobby.com\">Blogging Is a Hobby</a></li>\n</ul>\n</div>\n</div>\n</div>\n</div>\n<p>&nbsp;</p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:beb27de6f6ddad58c1afca212ddc932e' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<ul>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2805\">Requirement</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2806\">Graduation Lists</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2836\">Alumni Website</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/10506\">2014 Graduation List</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/9053\">Updated Provisional 2014 Graduation List</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2887\">Updated Provisional 2013 Graduation List</a></p>\n<p>&nbsp;</p>\n</li>\n</ul>\n<p>&nbsp;</p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:6f7a5887d7e95b90b55749d939abaf6b' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<p>&nbsp;</p>\n<p><img alt=\"\" src=\"/sites/default/files/chss/business/business/upload.jpg\" style=\"border-style:solid; border-width:1px; height:190px; margin:1px; width:168px\" /></p>\n<p><a href=\"http://profiles.uonbi.ac.ke/node/1070\">Prof. Josiah Aduda</a></p>\n<p><a href=\"/about/message-from-the-dean\">Message from the Dean</a></p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:9776188cadb7abfc6bdc0d19d7f63206' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<ul>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2188\">Prize winners</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2833\">PhD/MD Holders</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/2839\">Distinguished Guests</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/10642\">External Examiners</a></p>\n</li>\n<li>\n<p><a href=\"http://business.uonbi.ac.ke/node/12962\">Appointments</a></p>\n</li>\n</ul>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:34309d3ee456e48bbeefdb6b66e3f6e5' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<div class=\"content\">\n<ul>\n<li>\n <a href=\"/uon_events\">Events</a></li>\n<li>\n <a href=\"/uon_news\">News</a></li>\n<li>\n <a href=\"/uon_outreach_activities\">Outreach activities</a></li>\n<li>\n <a href=\"/uon_speeches\">Speeches</a></li>\n</ul>\n</div>\n<p>\n &nbsp;</p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '2:9af99aa5ddf5fddb48c58aaf82c147ee' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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  • user warning: Table './business/cache_filter' is marked as crashed and should be repaired query: UPDATE cache_filter SET data = '<p>P. O. Box P.O Box 30197<br />\n 00100 GPO<br />\n Lower Kabete Campus</p>\n<p> Lower Kabete Road<br />\n Tel:+254 020 2585841-6</p>\n<p> +254 20 2059163</p>\n<p> Mobile:0735704065</p>\n<p> Mobile:0729396808</p>\n<p> VOIP: +254 204918200<br />\n <a href=\"mailto:dean-business@uonbi.ac.ke\">dean-business@uonbi.ac.ke</a></p>\n<p> Twitter: @business_uon</p>\n<p> &nbsp;</p>\n<p> Corruption Hotline:</p>\n<p> 0724-200311</p>\n<p> 0701-529130</p>\n', created = 1438762978, expire = 1438849378, headers = '', serialized = 0 WHERE cid = '1:a839a67a6a3730cc258f397ef2e81952' in /home/unonbi/public_html/uon/includes/cache.inc on line 112.
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A STUDY OF THE RELATIONSHIP BETWEEN CREDIT RISK MANAGEMENT AND NON-PERFORMING LOANS: THE CASE OF COMMERCIAL BANKS IN KENYA

This study examined the relationship between credit risk management and non performing loans
in the financial sector in Kenya. The population of the study included all the 45 commercial
banks in Kenya based/headquartered in Nairobi. Primary data was collected by use of
questionnaires. Out of the targeted 45 respondents 37 responded thus a respondent rate of 82.2%,
a confidence level sufficient enough to make conclusions on the objective of the study.
The data was analyzed using descriptive and inferential statistics. The research found that in the
Kenyan set up a combination of intensive credit risk management by the banks coupled with
close supervision by the central bank has greatly enhanced the decline of nonperforming loans
ratio in the banking sector yearly. Analyzing the asset quality of the financial sector for the past
six years, the ratio of gross nonperforming loans to gross loans has declined from a high of 35%
in 2003 to a low of 9.23% in 2008. The decline of this ratio confirms the close relationship
between nonperforming loans and credit risk management as the reasons behind this decline has
been explained as being mainly due to enhanced corporate governance and risk management as
well as credit underwriting standards by the banks coupled with CBK strict supervision.On the credit risk techniques, the research found that credit limits, diversification of credit
portfolio, BIS requirements, credit insurance, securitization and credit scoring are used by all the
banks studied. Loan scoring was found to be unpopular as a credit risk tool with only 48.65% of
the banks using the same. In addition to that, pricing and loan syndication are also not used by all
the banks in Kenya.

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