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IJSSIT, 2023
The objective of the study was to assess the effect of credit risk management practices on financial performance of micro-finance banks in Kenya. A total of 56 employees comprising of one operation manager, branch manager, internal auditor, and risk management officer from each of the 14 registered micro finance banks were recruited. The data were collected using semi-structured questionnaires. The results showed that the respondents agreed that secured lending is important in maintaining the financial stability of our microfinace bank and that employer's undertaking has a positive impact on the financial performance (M=3.929, SD= 0.164); and that selective lending is effective in improving financial performance. The findings also showed that current credit management practices are effective at improving financial performances. Consequently, it is advised that the bank management adjust their credit-related practices to evolving circumstances, crafting credit policies and strategies that not only curtail the bank's exposure to credit risk but also institute a robust credit risk-management approach by conducting thorough credit evaluations before extending loans to clients.
2022
Βιβλίο περιλήψεων του διεθνούς συνεδρίου "Κορνήλιος Καστοριάδης (1922 - 2022): 100 χρόνια από τη γέννηση του φιλοσόφου της αυτονομίας", που διοργανώθηκε υπό την αιγίδα του Τμήματος Οικονομικών και Πολιτικών Επιστημών του ΑΠΘ στις 11 - 13 Μαρτίου 2022.
2-page Soviet report giving statistics on numbers of religious communities, places of worship and clergy of various faiths as of 1 June 1941.
Annals of Dyslexia, 2021
BioResources
Chemical and thermal aspects of Pinus sylvestris and Pinus pinaster were characterized, with consideration of non-extracted and cylohexane-ethanol (EtOH)-extracted woods, holocellulose, and α-cellulose. The chemical properties including cylohexane-EtOH solubility of wood were determined by standard test methods, holocellulose, α-cellulose, lignin, and ash components. Fourier transform infrared–attenuated total reflection spectroscopic (FTIR-ATR) analysis revealed changes in the chemical structure of the specimens. Lignin peaks were still observed in holocelluloses’ spectra, and substantial loss of polysaccharides were also detected. Moreover, the α-cellulose spectra of both softwoods included bands belonging to polyoses. Pinus pinaster‘s holocellulose, α-cellulose, and ash contents were higher than those of Pinus sylvestris but lignin and cylohexane-EtOH-solubility amounts were lower. The mass loss during degradation stage of Pinus sylvestris and Pinus pinaster was observed in the e...
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Journal of Contemporary Issues and Thought (JCIT), 2024
JURNAL POLINTER : KAJIAN POLITIK DAN HUBUNGAN INTERNASIONAL