stable finance. One efficient way to promote SME financing is through credit guarantee schemes, where the government … guarantees a portion (ratio) of a loan provided by a bank to an SME. This research provides a theoretical model and an empirical … analysis of factors that determine optimal credit guarantee ratio. The ratio should be able to fulfill the government's goal of …

about borrowers, and so does the default risks. This model will allow banks to offer collateral-free lower-interest credit …

managers and the efficiency of credit management in real estate investment trusts operating in Kenya. The study found out that … consumption, saving and investing. Credit management on the other hand, is necessary in real estate organizations to ensure … financial stability and business continuity. This study sought to examine the association between attitude to risk of credit …

The Kenyan credit market is characterised by imperfections that manifest themselves in imbalances in the form of credit … gaps where supply deviates from its long-run trend. This paper extends the analysis of the credit market adjustment process … that closes the credit gap by estimating a Seemingly Unrelated regression (SUR) model. The empirical results show that the …

This paper investigates the nexus between bank-based financial inclusion and asset quality of 43 Banks in Kenya using … growth in outstanding bank credit, deposit growth and asset quality, we find that lagged credit growth has a positive … Ratio is also seen to have a negative contemporaneous effect on credit growth, an indication of immediate supply side …

The paper examines the effect of sectoral risk on bank returns that accrue from the extension of credit to the … different sectors of the economy in Kenya. Based on Dynamic Panel Data regressions of quarterly sectoral data spanning from 2011 …-linear relationship between risk and return regardless of the measure of risk, (3) Sectoral credit expansion is significantly impacted by …