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September 19, 2025International Journal of Finance and AccountingOpen Access

Risk Assessment and Non-Performance of Loans in Commercial Banks in Kenya

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Authors

MMMuthama Magdaline MuthoniGKGrace Kariuki

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Overview

Descriptive analysis reveals risk assessment significantly affects non-performing loans in commercial banks, highlighting the need for better credit management practices.

Key Points

  • Risk assessment significantly reduces non-performing loans in commercial banks in Kenya, improving financial stability.
  • The study found an inverse relationship between risk assessment and non-performing loans, indicating that better assessments may lead to fewer defaults.
  • Using a census of 152 loan officers from 38 banks, the analysis utilized correlation and regression techniques to investigate these variables.
  • A comprehensive regulatory framework is suggested for improving risk assessment practices, integrating advanced data analytics for more robust evaluations.

Cite This Study

Muthoni et al. (2025) studied this question.

synapsesocial.com/papers/68d437f7713b0b5dfea779eehttps://doi.org/10.37284/ijfa.4.1.3668
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Credit Risk Control and Asset Quality of Listed Commercial Banks at the Nairobi Securities Exchange, Kenya2025
  2. 2CREDIT RISK MANAGEMENT, GROSS DOMESTIC PRODUCT AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KENYA2025
  3. 3Effect of Risk Monitoring Practices On Financial Performance of Commercial Banks in Kenya.2025
  4. 4Relationship Between the Credit Risk Assessment and The Financial Performance of Tier-Two and Tier-Three Commercial Banks in Kenya2025
  5. 5Capital Adequacy Risk and Firm Market Value: Insights from Commercial Banks Listed at the Nairobi Securities Exchange2025