TABLE OF CONTENTS
DECLARATION ................................................................................................................. .ii
APPROVAL ........................................................................................................................ iii
DEDICATION .................................................................................................................... iv
ACKNOWLEDGEMENT .................................................................................................. v
TABLE OF CONTENTS .................................................................................................. vi
LIST OF TABLES ............................................................................................................. ix
LIST OF FIGURES ............................................................................................................ x
LIST OF ACRONYMS ...................................................................................................... xi
ABSTRACT ........................................................................................................................ xii
CHAPTER ONE ................................................................................................................. I
INTRODUCTION .............................................................................................................. 1
1.1 Background of the study ........................................................................................ I
1.2 Statement of the problem ...................................................................................... 3
1.3 Objectives of the study ........................................................................................... 4
1.3.1 General objectives ................................................................................................. 4
1.3.2 Specific objectives ................................................................................................. 4
1.4 Research Questions ................................................................................................. 5
1.5 Scope of the Study .................................................................................................... 5
1.5.1 Geographical Scope .............................................................................................. 5
1.5.2 Content Scope ........................................................................................................ 6
1.5.3 Time Scope .............................................................................................................. 6
1.6 Significance of the Study ....................................................................................... 6
1. 7 Conceptual framework. ........................................................................................... 7
CHAPTER TWO ................................................................................................................ 8
LITERATURE REVIEW ................................................................................................. 8
2.0 Introduction ................................................................................................................ 8
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2.1 How Commercial banks manage Credit ............................................................ S
2.2 Contributions of Credit Management on sustainability of Commercial
banks ................................................................................................ , .................................. 11
2.3 Challenges in Credit Management .................................................................... 14
2.4 Possible Solutions to Financial Planning and Management .................... 16
CHAPTER THREE ......................................................................................................... 18
METHODOLOGY ............................................................................................................ 18
3.0 Introduction .............................................................................................................. 18
3.1 Research Design ..................................................................................................... 18
3.2 Research Population of Study ............................................................................ 18
3.3 Sampling Procedure ............................................................................................... 19
3.4 Sample size ............................................................................................................... 19
3.5 Sample framework ................................................................................................. 20
3.6 Data collection instruments ................................................................................ 20
3.7 Source of data collection ...................................................................................... 21
3.8 Data processing and analysis ............................................................................. 22
3.9 Ethical procedure ................................................................................................... 23
3.9 Limitations of the study ....................................................................................... 23
CHAPTER FOUR ............................................................................................................ 25
PRESENTATION, ANALYSIS AND DISCUSSION OF THE FINDINGS ....... 25
4.0 Introduction .............................................................................................................. 25
4.1 Variance in the targeted and actual respondents ....................................... 25
4.1.1 Socio-demographic Characteristics .............................................................. 26
4.1.2 Age of the respondents ...................................................................................... 26
4.1.3 Marital Status of the respondents ................................................................. 27
4.1.4 Gender of the respondents ............................................................................... 28
4.1.5 Educational status of the respondents ....................................................... 30
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4 .2 Ways how Commercial banks manage Credit in Sou th Sudan .............. 31
4.4 Challenges of credit management in Commercial banks in South
Sudan ................................................................................................................................. 33
4.3 The causes of poor credit management by Commercial banks ............... 35
CHAPTER FIVE .............................................................................................................. 38
SUMMARY, CONCLUSION AND RECOMMENDATIONS ................................ 38
5.0 Introduction .............................................................................................................. 38
5.1 Summary of the study .......................................................................................... 38
5.2 Conclusions .............................................................................................................. 39
5.3 Recommendations .................................................................................................. 40
5.4 Areas for further research .................................................................................. .42
REFERENCES ................................................................................................................. 43
APPENDICES ................................................................................................................... 46
APPENDIX !-Research Instruments ........................................................................ 46
RESEARCH QUESTIONNAIRE ................................................................................... 46
INTERVIEW GUIDE TO THE RESPONDENTS ..................................................... .49
APPENDIX II: BUDGET ................................................................................................ 50
APPENDIX Ill: TIME FRAME ...................................................................................... 51
ABSTRACT To assess the role of credit management on the sustainability of commercial banks in South Sudan and was driven by three objectives. These were; to find out how Commercial banks manage Credit in South Sudan, to find out the challenges of Credit management in Commercial banks in South Sudan and to establish the causes of poor credit management by Commercial banks. To achieve these objectives, the researcher sampled one hundred fourteen (114) respondents from Nile Commercial Bank-Juba branch. The findings revealed that; On the impact on debt management of bank performance, the finings revealed that; clear cash flows, increase in revenue, reduction in losses, and achievement of organizational goal were the answers given by the respondents. And on the challenges of debt management in Nile Commercial Bank-Juba branch, the findings revealed that; fraud, lack of debt management software, poor record keeping, and poor coordination with other banks were the answers given by the respondents. The recommendations to Nile Commercial Bank were; The Management of Commercial banks should ensure that the credit and debt management/ collection staff work as a team, excellent liaison and communication skills especially when identifying business risks and how to minimize bad debts, Lending limits should be established to avoid undue concentration of credit. Banking laws in most countries limit the amount a bank can lend to any single borrower or group of related borrowers so that in the event of these borrowers going bust lending bank does not incur losses, Financial Institution should engage the stakeholders in identifying problems in debt collection performance in order to get results.
