- Title
- Credit risk management impact on loan performance in development finance institutions in South Africa
- Creator
- Lekhelebana, Letlatsa George
- Subject
- Development finance institutions
- Subject
- Credit -- Management -- South Africa
- Date Issued
- 2022-04
- Date
- 2022-04
- Type
- Doctoral's theses
- Type
- text
- Identifier
- http://hdl.handle.net/10948/57698
- Identifier
- vital:58217
- Description
- Development Finance Institutions ( play an important role in being a catalyst for economic development and growth where they operate. TUHF Group operates as a niche commercial property D FI funding entrepreneurs that seek to bring to market properties that deliver multi let housing units. This also deals with the pro blem of the lack of housing that South Africa has. For DFIs to operate optimally and be financially sustainable , they need to source funding from either shareholders or the financial markets. Financial markets require that the DFIs operate in a profitable manner to qualify for funding and this is also driven by the way the DFI manages the loan book’s integrity. This study examines the relationship between credit risk management policy, processes and procedures in practice and the TUHF Group and their impa ct on the performance of the loan book. In order that the research aim and objectives are fulfilled, and the research question answered, the study undertook an extensive review of existing literature on DFIs, the impact on economic development and growt h, the impact of badly performing loan books on the performance of companies and how this is impacted on by credit management structures, policies and procedures. An empirical study was conducted through the collection of primary data from the internal doc uments at TUHF Group and among some of the staff members at TUHF through a structured interviews based on open ended questions. The research revealed that there is indeed a link between the credit risk management processes and procedures at TUHF and the performance of the loan book, the findings indicated that the current policy and procedures is not sufficient for a well performing loan book and the pr imary data showed worsening performance of the loan book over time. These findings further indicate a requirement for TUHF to improve the credit policies and architecture for a sustainable financial performance in future.
- Description
- Thesis (MA) -- Faculty of Business and Economic science, 2022
- Format
- computer
- Format
- online resource
- Format
- application/pdf
- Format
- 1 online resource (xv, 134 pages)
- Format
- Publisher
- Nelson Mandela University
- Publisher
- Faculty of Business and Economic science
- Language
- English
- Rights
- Nelson Mandela University
- Rights
- All Rights Reserved
- Rights
- Open Access
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| Thumbnail | File | Description | Size | Format | |||
|---|---|---|---|---|---|---|---|
| View Details Download | SOURCE1 | Lekhelebana, L.pdf | 2 MB | Adobe Acrobat PDF | View Details Download |