Research Journal of Economics

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Nduka Author

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Subjects of specialization
Investments & Securities,Finance & Trade,Demographic Economics, Development Economics

Affiliation
Department of Banking and Finance, Chukwuemeka Odumegwu Ojukwu University, Igbariam, Anambra State, Nigeria

Biography

Nduka JA Department of Banking and Finance, Chukwuemeka Odumegwu Ojukwu University, Igbariam, Anambra State, Nigeria. His publications include: 1.Muriki G (2017) Effect of credit risk management on financial performance of Kenyan commercial banks. 2.Chukwunulu JI, Ezeabasili VN, Igbodika MN (2019) Risk management and the performance of commercial banks in Nigeria (1994-2016). International Journal of Banking and Finance Research 5: 64-71.

Publications

Research Article Open Access

Credit Risk Management and Efficiency in the Banking Industry of an Emerging Economy in Africa: Evidence from Nigerian

Author(s):

Osakwe, Ananwude and Nduka

Credit risk management and efficiency of the banking industry
remains a debated issue in literature. Our position on this
subject matter is that credit risk affects banks’ efficiency and
distorts profitability with a resultant loss in banks’ earnings.
Momentous depreciation in banks ’ earnings would make
shareholders not to have confidence in banking operations.
This would affect banks’ capacity to mobilize idle funds from
the public which influences effective financial intermediation. A
bank may go bankrupt and possibly into merger with another
bank or have its licence revoke by regulatory authority (ies)
owing to ineffective credit risk management practice. The
finding from this study ... view more»

Abstract HTML PDF

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