Browsing by Author "Duku, Frederick Kirk"

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    Microfinance Loan Portfolio Management: A case study of Western Microfinance Ltd based in Takoradi
    (2012-06-13) Duku, Frederick Kirk
    The numbers of Microfinance Institutions (MFIs) in the country have increased in recent years, however, they tend to go down or even collapse when the recovery rate on loan is low or the number of defaults goes up in economic down turns. This phenomena has led to most Microfinance Institutions adopting cutting edge technology to Improve the quality of their Loan structure. The decline of relevant portfolio planning Models especially in Ghana is attributed mainly to the evolving dynamics of the Ghanaian Microfinance industry where the regulatory controls have changed with a high frequency. The purpose of this Study is to propos a linear model and solved using the revised simplex method which will maximize Western Microfinance Limited profit on loans and allocate their funds for loan disbursement leading to financial sustainability. The results from the model showed that Western Microfinance Limited would make a profit Of GH¢46930.00 if they are to stick to the model. From the study, it was realized that the scientific method used to develop the propose model can have an increase in profit margin if put into practice.