Browsing by Author "Candiru, Julliet"

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    Credit management practices and loan portfolio performance of commercial banks in Arua city, Uganda
    (Muni University, 2025-10-14) Candiru, Julliet
    The study examined the effect of credit management practices on loan portfolio performance of commercial banks in Arua City in Uganda. Objectives were to evaluate the effect of credit assessment, Credit monitoring, and credit risk management on loan portfolio performance in Commercial Banks in Arua City, Uganda. The study was grounded in the theories of Altman's Z Score, Fisher's Equation of Exchange, and Credit Default Swap (CDS) Market theory, and guided by a conceptual framework. It adopted a descriptive research design and a quantitative research approach. Target population was 156 with a sample of 112 respondents. Stratified and simple random sampling were used to select respondents. Data was collected using questionnaires whose CVI was 0.912. Data was analyzed using multiple regression analysis with the help of SPSS. Credit assessment on loan portfolio performance, the result indicated that there was strong statistically significant effect (t= 6.992, p=0.000, p<0.05), credit monitoring on loan portfolio performance, was statistically significant (t= 5.205, p=0.000, p<0.05), and credit risk management on loan portfolio performance, was statistically significant (t= 5.300, p=0.000, p<0.05). Based on these results, the study concluded that all three variables had a statistically significant effect on loan portfolio performance. This study recommends proper credit management practices. The study will benefit the researchers, banking sectors, policy makers and government with knowledge about the effect of credit management practices on loan portfolio performance.