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Please use this identifier to cite or link to this item: http://hdl.handle.net/123456789/11261

Title: The Effect of Bank Specific Factors on Loan Performance of HFC Bank in Ghana
Authors: Ofori-Abebrese, Grace
Pickson, Robert Becker
Opare, Eric
Keywords: loan performance
loan to asset ratio
loan loss provisions
bank’s loan interest rate
loan performance, loan to asset ratio, loan loss provisions, bank’s loan interest rate
loan performance, loan to asset ratio, loan loss provisions, bank’s loan interest rate
Issue Date: 25-Jun-2016
Publisher: International Journal of Economics and Finance
Citation: International Journal of Economics and Finance; Vol. 8, No. 7; 2016
Abstract: The default rate of loan in the country has been on the increase and worrying to all in recent times. This study assessed the effect of bank specific factors on the loan performance in HFC Bank in Ghana. The sample period used for the study was based on a quarterly data from 2008 to 2015. The study employed the ARDL bounds test of co-integration as an estimation technique to show the evidence of long run relationship among the variables. The study found bank’s loan interest rate, loan to asset ratio and bank’s loan loss provision over reserve as bank specific factors that influenced loan performance. These therefore showed that bank specific factors do have significant impact on loan performance. Hence, there is the need for bank management and regulators to undertake policies that can ensure efficiency in banks’ operations. Keywords
Description: Article published in the International Journal of Economics and Finance, 2016 found at doi:10.5539/ijef.v8n7p185
URI: http://hdl.handle.net/123456789/11261
ISSN: 1916-971X
Appears in Collections:College of Arts and Social Sciences

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