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|Title: ||Determination of Some Factors that Influences Loan Default Payment: Case Study: Customers from Akatakyiman Rural Bank Ltd Komenda|
|Authors: ||Mensah, George Yaw|
|Keywords: ||Loan default|
|Issue Date: ||20-Jun-2012|
|Abstract: ||Loan Default is the failure of an applicant to fulfil his/her obligation with respect to repayment of loans. Loan default lowest the financial capacity of the agency to fulfil its promises to other applicants.
This study seeks to determine some risk factors that influence loan default repayment among customers in Akatakyiman Rural Bank Ltd –Komenda. To this end, some secondary data on some variables which influenced whether a customer defaulted or not in a loan accessed, was obtained from the credit department of Akatakyiman Rural Bank Ltd –Komenda. A total of 100 observations for a period of four (4) years (2006-2010). There were eleven (11) variables in the data set. A logistic regression model was fitted to the data. It was found that among the variables that were used, Security and Type of Loan were significant to the study where as Sex, Marital Status, Age, Educational Level, Town were not significant to the study. We conclude that the risk of default for a customer who used collateral as a security in accessing the loan is less than for a customer who used personal guarantee. Taking transport loan as a reference group, the risks of a customer defaulting when given a personal loan is less than when given a transport loan, all other factors being equal.|
|Description: ||A thesis submitted to the School of Graduate Studies, Kwame Nkrumah University of Science and Technology, Kumasi, in partial fulfilment of the requirements for the award of the Degree of Master of Science in Industrial Mathematics, 2012|
|Appears in Collections:||Distance Learning|
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