This research entitled “An Assessment of the impact of credit risk management and performance on loan portfolio at International Bank Liberia Limited from 2015-2017 contributed to the body of knowledge to the beneficiaries. It findings are also important for the Central Bank to use in monitoring credit scoring and history across all commercial bank with in the country. This study was quantitative in nature, and involves mathematical modelling in order to determine the effect of changes in interest rates on profit and net worth of the sampled banks. This study uses panel data and assumes that the effect of interest rate changes vary across the observations and over time, therefore the use of stochastic econometric (panel regression analysis) process is appropriate. The population of the study will consist of 150 credit staffs and other staffs of IBLL. The study adopt a census study and collect data for two years from 1st January, 2015 to 31st December, 2017 and the researcher used sample out 85 respondents representing 57% as the sample size from the population of 150 persons from the study area. The findings reveals that it was established from the study that 25% of the respondents who were picked from the institution agreed that credit score is one of the major system used by the bank in determining loan and 32% selected credit history. It was also observed that that bank operate within a defined credit granting criteria. The findings also show that IBLL established a system of independent, ongoing assessment of the bank‟s credit risk management. It was proven that 48% of the respondents agree while 41% strongly agree. It was established that IBLL have a loan risk management policy in place. This policy is very crucial in providing guidelines on how to manage the various risks the bank encounter in their lending activities. Members of the bank and regulators are those responsible for the formulation of the credit policy with less input from employees.
This study access the Investigation into the Involvement of Liberia Women in cross Border Trade at the Guinea Border with Liberia; 2014-2016.” The significance of the include: The research findings are of value to the various industries in the region that will have available information on the functions of the cross border trade. Government and policy makers. The study was carried out through a descriptive survey design. The target group for the purposes of this study was importers and exporters at border point. The study focused on female traders on the Liberia side of the border. The total population of the study is 500 registered female traders with a sample size of 70 respondents. The study used both primary and secondary data was used in this research. The study shows that 25 respondents representing 42% and all comprising of females in the study were between 30 – 39 years and another 16 respondents representing 26% and all comprising of female in the study were between 20– 29 years. The study shows that 30 respondents representing 50% in the study agreed that Liberia Females are involved in Traders at the border between Guinea and Liberia, 20 respondents representing 33% and all comprising of females in the study agreed that the involvement of Liberia Female Traders at the Liberian and Guinean has an impact on the development of trade at the Liberian and Guinean border. Base on the findings the researcher concludes that: The regional Governments have made considerable efforts in reducing the incentives to trade informally, by diminishing the costs of formal importing/ exporting; enhancing compliance levels with existing regulations; and improving trading opportunities and services for traders in the formal sector. The study recommends that: 1) Formulation of the Customs Management Act, the Customs Management Regulations outlining standard forms and fees payable across the region. 2) Simplifying and reducing documentation.
The study sought to investigate of the application of the integrated public financial management reform projects in Liberia at the ministry of finance and development planning 2014 – 2016. Generally, the objective of implementing Integrated Financial Management Information System (IFMIS) is to increase the effectiveness and efficiency of state financial management and facilitate the adoption of modern public expenditure practices in keeping with international standards and benchmarks. The study adopted a descriptive research in this study with a targeted population of 98. The primary data was collected using questionnaire that relates to specific objectives of the study. Secondary data involved past reports such as annual budget data, progress reports and internal audits reports since the system implementation started and had key information that will be helpful to the research study. The study used both quantitative and qualitative method of data analysis. Collected data was first coded and then quantitatively analyzed according to statistical information derived from the research questions. Secondary data were derived from desk review of annual information on IFMIS for all variables for a period of three years (2013-2015). The study found that organizational accountability systems, cash management and budgeting systems, internal control systems and financial reporting systems positively and significantly influenced the financial management in the public sector. The study recommends that managers can use this information to plan and formulate budgets; examine results against budgets and plans; manage cash balances; track the status of debts and receivables; monitor the use of fixed assets and monitor the performance of specific departments or units.
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