IMPACT OF CREDIT MANAGEMENT ON ORGANIZATIONAL PROFITABILITY: A STUDY OF SELECTED BANKS IN CALABAR
Abstract
The main objective of this study was to examine the impact of credit management on organizational profitability: a study of selected b nks in Calabar. The specific objectives tability of selected banks in Calabar, ty of selected banks in Calabar, were fo examine the effect of credit policy on the profi to ascertain the effect of client appraisal on the profitability and to determine the effect of credit risk control on the profitability of selected banks in Calabar. This study adopted the ex-post facto research design. The targe! population for ent staff of the selected banks and their financial ed using the Krejcie and Morgan this study comprised of management records firom 2011 to 2021. The sample size was calculatling technique. This study used a dents. The data collected was (1970) table. The researcher adopted the purposive samp
well-structured questionnaire to gather data from the respon analyzed using the Ordinary Least Square regression with the aid of Statistical Package for Social Sciences (SPSS 27.0). The study found that credit policy has a significant effect on the profitability of selected banks in Calabar. It was revealed that client appraisal has a significant effect on the profitability of selected banks in Calabar. It was further revealed that credit risk control has a significant effect on the profitability of selected banks in
e interest rates they charge Calabar. It was recommended that the banks should consider th on loans since these have an effect on loan repayment hence profitability of commercial banks.
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