An Empirical Analysis of Management Attitude towards Risk and Credit Management

Abstract

Purpose: The purpose of this paper was to evaluate the role of management towards risk and credit management in Ghana. Commercial banks play a critical role to emerging or developing economics like Ghana where borrowers have no or limited access to capital markets.

Design/methodology/approach: The study adopted both qualitative (case study) and quantitative methods respectively. Banks were selected to gather data, which was acquired from answers obtained from our administered questionnaire and also through interviews. The population of the survey constituted the management and non-management staff and customers of Ecobank (EBG), Ghana Commercial Bank (GCB) and Stanbic Bank.

Findings: Hypotheses of the study will be analyzed using correlation and regression. Results of the study show that there are high positive correlation between the constructs of credit risk management and management attitude.

Keywords: credit risk management, management attitude, and Ghanaian banking industry.