CREDIT RISK MANAGEMENT AND SALARY LOAN PERFORMANCE IN COMMERCIAL BANKS IN UGANDA: A CASE STUDY OF STANBIC BANK UGANDA LIMITED
The study examined the effect of credit risk management on salary loan performance in Stanbic Bank Uganda Limited (SBUL). The study was guided by the following objectives: to investigate the effect of credit risk identification on performance of salary loans; to investigate the effect of credit risk assessment on performance of salary loans; and to investigate the effect of credit risk monitoring and control on performance of salary loans at SBUL. The study adopted a case study designwith a population of 60 respondents from which purposive sampling and simple random sampling methods were used to select a sample of 51. Data was collected from staff and providers using self-administered questionnaires and an interview guide. The study findings indicated that; there were positive significant relationships between credit risk identification, credit risk assessment, credit risk monitoring & control and salary loan performance. The correlation results were supported by the results from regression analysis which revealed that credit risk identification, credit risk assessment and credit risk monitoring & control were strong predictors of salary loan performance. The study concluded that improvement in credit risk identification, credit risk assessment and credit risk monitoring & control enhances salary loan performance at Stanbic bank. The study recommends that management at Stanbic bank offer specialized training to staff and clients in the area of credit risk management and put in place a customized credit management system to coordinate the credit risk management process.
THE INTERACTIVE RELATIONSHIP BETWEEN OUTREACH BREADTH AND OUTREACH DEPTH OF VIETNAM’S FORMAL MICROFINANCE INSTITUTIONS
Van Duong Ha
Outreach breadth and outreach depth are factors affecting the operations and the goals of formal microfinance institutions (MFIs) in Vietnam. The purpose of this study is to discover the interactive relationship between outreach breadth and outreach depth and to examine factors that affect the outreach breadth and outreach depth of formal MFIs. After regression analysis on a set of panel data from 2010 to 2018 of all formal MFIs in Vietnam, it appears that financial sustainability, repayment ratio have positive relationships with outreach breadth; number of branches andoutreach depth have negative relationships with outreach breadth; whiledeposit-to-loan ratio has a negative impact on outreach breadth. Debt-to-equity ratio and financial sustainability have positive relationships with outreach depth; the size growth of MFIs and loan-to-deposit ratio have negative relationships with outreach depth, portfolio at risk has a negative impact on outreach depth. The study finds bidirectional interactions between outreach breadth and outreach depth. This study helps researchers and managers to understand the key determinants for better management of formal MFIs.
CONSEQUENCES OF INAPPROPRIATE BEHAVIOR IN YOUTH AND THE ISSUE OF MOBBING
The aim of the article is to present a phenomenon closely related to the issue of mobbing.It offers theoretical approaches explaining this matter.The most common sources of aggressive proceedings in early childhood were discussed with details, mainly outlining subjective and situational conditions.Possible consequences of aggression in children at subsequent levels of their development have been presented, with special consideration of its negative consequences. The meaning of early aggression of violence for the future development of mobbing proceedings was also highlighted
THE AMOUNT OF FAIR REMUNERATION DETERMINED ON THE BASIS OF THE THEORY OF MEASURING HUMAN CAPITAL
The aim of the article is to compare the amount of remuneration expected by employees with the salary determined on the basis of the economic constant of potential growth. Using the theory of human capital, we are able to carry out a research consisting in a combination of remuneration resulting from the minimum wage. To achieve this, an econometric model containing three variables is introduced - the experience factor [Q(T)], the component of maintenance costs [K] and the cost element of education [E].For the sake of clarity, individual measurement models of human capital are presented along with models of fair remuneration. The obtained results prove that the model of human capital presented in the study can be used to determine the level of fair wage.
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