The objective of the study is to determine the influence of
loan portfolio management on the financial performance of banks in Ghana. the
study adopted an explanatory cross-sectional survey as its research approach.
The research was based on panel data acquired from banks that were in operation
from 2010 to the present. Correlation analysis and regression analysis was used
in the study, with regression models built by the researcher to assess the
study's assumptions. The operationalization of the study variables, which
include personal loans, real estate loans, SME loans, and financial
performance, is presented with specific indicators and measures for each of the
variables, and the diagnostic tests for the study, which include panel
normality tests, multicollinearity tests, Breusch-Pagan/Cook-Weisberg test,
Panel Unit Root Tests, and Hausman specification tests. The study shows that personal
loans, real estate loans, and small and medium-sized enterprise loans all
collectively do have a statistically significant impact on the financial
performance of commercial banks. Overall, the model shows that the variables
included in the model have a relatively good measure of fit and that the loan
portfolio has a significant impact on ROA, ROE, and CR. A number
empirical research back up this conclusion, although it also conflicts with
findings from certain other investigations. The study recommends the
diversification of personal loans to reduce risks on defaults which can be done
by discriminating the borrowers based on the information available. Job
switching should be encouraged to prevent employees from conspiring with
recurring clients, which could help to hide important information.
Master of Business Administration: Finance
Published on: 31st May, 2023
Last update: Null date
Topic:
THE EFFECT OF LOAN PORTFOLIO MANAGEMENT ON THE PERFORMANCE OF BANKS IN GHANA Abstract:
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