“…Risk control and monitoring are important in the financial institution as they are used to ensure that the organisation's risk management practices are in line with the objectives of the organisation and to help the management of the organisation to detect error at an early stage (Hassan, 2009;Meghouar, 2014;Kamyab, 2014;Nazri., Hamid, & Muslim, 2014;Paul, 2014;Baslom & Tong, 2019;Al-Taweel, 2015;Ishak, 2016;Klapproth & Martin, 2018;Obi & Okekeokosisi, 2018). Rahman (2011) pointed out that credit monitoring consists of periodic reviews, ratings and audits to warn a borrower about his early financial health.…”