Contribution of Credit Reference Bureau in Managing non-Performing Loans among Commercial Banks in Uasin Gishu County, Kenya

Mercy Chemutai Muber, Dickson Kipchumba Singoei, Celestine Ngugi


The purpose of this study was investigate the relationship credit reference bureau and management of Non-Performing Loans. The study was anchored on adverse selection theory. Correlational research design was used in the study. The study targeted all the branch and credit managers in 43 commercial banks. Census approach was employed in which all the branch and credit managers were involved in the study. Questionnaire was employed as data collection instruments. Pearson correlational and multiple regression analysis were used to test the hypotheses. The study established that there was a positive and significant relationship between credit scoring (p=0.000<0.05), credit information sharing (p=0.028<0.05) and management of Non-Performing loans. The study concluded that Credit Reference Bureau has a positive and significant relationship in the management of non-performing loans in the commercial banks. The study recommended that commercial banks should improve credit scoring and credit information sharing to help in the assessment of borrowers with low default rates which will result in the management of non-performing loans.

Key Words: Credit Reference Bureau, Credit Information Sharing, Credit Scoring, Management of Non-Performing Loans

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