CREDIT RISK MANAGEMENT AND PROFITABILITY IN SELECT SAVINGS AND LOANS COMPANIES IN GHANA

The thesis was submitted to the Canara Bank School of Management Studies Bangalore University India as part of the requirements for the award of the degree of doctor of philosophy in Management. The broader objective of the study was to find out the type of risk which is prevalent in the daily operations of the Ghanaian savings and loans companies in Ghana and also to understand the relationship between credit risk management indicators and profitability measured by ROA and ROE. Seven Savings and Loans Companies and 254 respondents were sampled for the study. Both primary and secondary data was used in the study. The secondary data was analysed using multiple regression whereas the prima...