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The main purpose of this research was to determine and identify the challenges faced by micro finance institutions (MFIs) in credit management in Kisii. The study was guided by the following research questions: What are the exposing factors to credit risk among microfinance institutions? What is the relationship between credit management policy and customer retention? What are the guiding principles and practices that can be used to manage credit risk in microfinance institutions? In order to achieve the above, the study adopted a descriptive research design in order to obtain the data that is necessary, which in essence facilitated the collection of the private data as a way of getting into the research objectives. The population under study was 54 micro finance institutions. The collection of the private data was done using structured questionnaires that were pilot tested in order to ensure that there was reliability as well as validity. The coding of the data was done with the use of Microsoft Excel as when as Statistical Package for Social Sciences (SPSS) in order to generate the descriptive statistics for instance frequencies and percentages. The study findings reveled that there are various exposing factors to credit risk among microfinance institutions in Kenya. Specifically the majority of the respondents were of opinion that loans to individuals, highly contributed to credit risk, followed by involvement in foreign exchange trade, operational risk, prevailing inflation rates, prevailing interest rates group loans and finally, investment in bonds and equities. This implies that indeed issuance of loans to individuals is highly risk as compared to groups. It also implies that investment bonds and equities are less risky. The study concludes that that there is a positive relationship between credit management policy measures and customer retention. The study also concludes that the credit control policy implemented determines the risk exposure. Finally, the study concludes that controls, supervision and audit are adequate to mitigate credit risk.

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2025 RATIONALIZED GRADE 9 CREATIVE ARTS SCHEME OF WORK TERM 3

TERM 3 GRADE 9 RATIONALIZED CRE SCHEME OF WORK 2025

purpose of this study is to assess on MFIs in Of Kenya and more specifically, Kisii credit and saving institution operations regarding its challenges. Reviews of research design, the research method, the research approach, the methods of data collection, the selection of the sample, the research process, Sampling Techniques, the type of data Analysis, the ethical considerations and the research limitations of the project. The findings confirmed that Staff training is available of capacity building of all KCSI employees, HR Office it has Owen problems the procedures and recruitment process are not transparent and clear for all staffs. Management department doesn’t give final decision for some problems it happened in the institutions. AdCSL registered and licensing by NBE at the time of establishment. People often used funds for consumption rather than entrepreneurial investments this is the major weakness of the Clint. The result of study show the lending capacity of the institute limited and restricted amount of money, there is lack of skilled manpower , there is high staff turnover ,Government and the city administration to interfere on the policy and regulation against the financial industry, Government body influence MFIS in order to accomplish its political issues, government assigned inefficient directorate boards member, there is lack of modern financial system, technology and data management most of the time working by manual because of this the service doesn’t deliver efficiently.

The financial sector plays vital role in any economy by transferring funds from surplus to deficit area by giving credit. In today’s changing financial landscape-environment of intense competitive pressure, volatile economic conditions, rising bankruptcies, and increasing levels of consumer and commercial debt; an organization’s ability to effectively monitor and manage risk associated to credit become critical. Therefore, managing its credit risk, using the credit risk management tools, can make the difference between success and failure. Hence it is essential to overview of the credit risk management practice of the banks and identifies the gap to take proactive measures and to protect the banks from any damage. Therefore the research to identify the gap on credit risk management practices of private banks case study in one of the private banks, Bank of Co-Operative was conducted. Qualitative research method was used and data has been collected from primary and secondary sources. In obtaining information from the primary data, a survey questionnaire was developed, pre-tested and used for collecting data. Simple random sampling technique was used to select respondents of the Bank and the data were collected from credit professionals. The study found that lack of information system that support the risk management process , absence of risk identification focused tools on customers’ business and the associated environment , unsound lending practices associated to credit processing and appraisal activities and lack of accountability, lack of measures associated to non performing loans, high concentration of loan on sector ,product ,geography and also on by large borrowers as a key drawbacks on credit risk management practices of the Bank.. Thus, it is suggested that Bank should build well organized management information system, should put in- place a system capable of assessing, monitoring and controlling risk exposures in more scientific manner, should give a key concern to minimize concentration risk and should develop code of conduct to proactively monitoring ethical standards, and prudent application of policies.

main purpose of this study was to assess the impact of small credit finance to poverty alleviation in the urban society of Nyamache Kisii County. It explores the benefits gained from using micro-financing as a mechanism to reduce poverty. The study was conducted in Waumini Credit and Saving Institutes specifically in Nyamache Branch. The data gathering was done by using questionnaire as primary source of data. In addition, interview and other secondary data sources were used. Mixed approach was used and the researcher employed cross-sectional survey design. Descriptive statistical analysis and Propensity Score Matching (PSM) analysis technique was used with respondents coming from clients to test the differences of benefit from the credit scheme who were compared with those in the waiting lists. Purposive Sampling was used to recruit 384 respondents for this study. The findings of the study revealed that customers are getting advantage from the institute for the business startup and growth or expansion. However, close support system in financial management and utilization of the money they borrowed has gaps. The empowerment and psycho-social development of female clients have problems in the borrowing decision, spending of the loan money, and usage of the profit. Findings from new clients indicated that group formation and lack of entrepreneurship implementation is demanding. High interest and unwillingness to accept group responsibility are problems. Therefore, it is important to give training and support systems should be provided in order to strengthen usage of the credit and saving institutes for economic beneficence and development or positive change. The induction and orientation should be from getting loan up to the returning the money borrowed.