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Credit Risk Management and Customer Satisfaction in Tier-one Deposits Money Banks: Evidence from Nigeria

Yıl 2016, Cilt: 6 Sayı: 3, 225 - 230, 01.05.2016

Öz

This study investigates the effect of credit risk management on customer satisfaction in tier-one deposits money banks in Adamawa state, Nigeria. The objectives of the study were to examine relationship between credit risk management and customers’ satisfaction and to assess the relationship between credit risk management and credit appraisal process. The study surveyed 384 selected customers from three tier-one deposits money banks in Adamawa state, Nigeria. Purposive sampling was used in selecting the banks and simple random sampling was used in administering the questionnaire to the customers. Descriptive and inferential statistics were used to analyze and interpret the data collected. The study found that there is positive and significant relationship between credit risk management and customer satisfaction and the regression results showed that 49% of the variability in customer satisfaction can be explained by credit risk management. The study also found significant positive correlation between credit appraisal process and credit risk management, with 81% of the variability in credit appraisal process explained by credit risk management. The study recommends that despite the positive relationship between credit risk management and customer satisfaction, there is need for banks’ management to pay attention to other factors that will contribute to customer satisfaction other than granting of credit facilities. At intervals, Banks should conduct seminars or training to update their staff on current credit guidelines issued by the regulatory authorities to enhance their knowledge on credit risk management with a view of ensuring customer satisfaction.

Yıl 2016, Cilt: 6 Sayı: 3, 225 - 230, 01.05.2016

Öz

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Ayrıntılar

Diğer ID JA59HV32CB
Bölüm Araştırma Makalesi
Yazarlar

Ibrahim Danjuma Bu kişi benim

Ibrahim Abdullateef Kola Bu kişi benim

Badiya Yusuf Magaji Bu kişi benim

Hauwa Modu Kumshe Bu kişi benim

Yayımlanma Tarihi 1 Mayıs 2016
Yayımlandığı Sayı Yıl 2016 Cilt: 6 Sayı: 3

Kaynak Göster

APA Danjuma, I., Kola, I. A., Magaji, B. Y., Kumshe, H. M. (2016). Credit Risk Management and Customer Satisfaction in Tier-one Deposits Money Banks: Evidence from Nigeria. International Journal of Economics and Financial Issues, 6(3), 225-230.
AMA Danjuma I, Kola IA, Magaji BY, Kumshe HM. Credit Risk Management and Customer Satisfaction in Tier-one Deposits Money Banks: Evidence from Nigeria. IJEFI. Mayıs 2016;6(3):225-230.
Chicago Danjuma, Ibrahim, Ibrahim Abdullateef Kola, Badiya Yusuf Magaji, ve Hauwa Modu Kumshe. “Credit Risk Management and Customer Satisfaction in Tier-One Deposits Money Banks: Evidence from Nigeria”. International Journal of Economics and Financial Issues 6, sy. 3 (Mayıs 2016): 225-30.
EndNote Danjuma I, Kola IA, Magaji BY, Kumshe HM (01 Mayıs 2016) Credit Risk Management and Customer Satisfaction in Tier-one Deposits Money Banks: Evidence from Nigeria. International Journal of Economics and Financial Issues 6 3 225–230.
IEEE I. Danjuma, I. A. Kola, B. Y. Magaji, ve H. M. Kumshe, “Credit Risk Management and Customer Satisfaction in Tier-one Deposits Money Banks: Evidence from Nigeria”, IJEFI, c. 6, sy. 3, ss. 225–230, 2016.
ISNAD Danjuma, Ibrahim vd. “Credit Risk Management and Customer Satisfaction in Tier-One Deposits Money Banks: Evidence from Nigeria”. International Journal of Economics and Financial Issues 6/3 (Mayıs 2016), 225-230.
JAMA Danjuma I, Kola IA, Magaji BY, Kumshe HM. Credit Risk Management and Customer Satisfaction in Tier-one Deposits Money Banks: Evidence from Nigeria. IJEFI. 2016;6:225–230.
MLA Danjuma, Ibrahim vd. “Credit Risk Management and Customer Satisfaction in Tier-One Deposits Money Banks: Evidence from Nigeria”. International Journal of Economics and Financial Issues, c. 6, sy. 3, 2016, ss. 225-30.
Vancouver Danjuma I, Kola IA, Magaji BY, Kumshe HM. Credit Risk Management and Customer Satisfaction in Tier-one Deposits Money Banks: Evidence from Nigeria. IJEFI. 2016;6(3):225-30.