{"id":3914,"date":"2026-08-16T13:26:48","date_gmt":"2026-08-16T13:26:48","guid":{"rendered":"https:\/\/birpub.org\/ijarfi\/?post_type=journal_article&#038;p=3914"},"modified":"2026-08-24T11:01:09","modified_gmt":"2026-08-24T11:01:09","slug":"credit-risk-management-practices-and-performance-of-deposit-money-banks-in-nigeria","status":"publish","type":"journal_article","link":"https:\/\/birpub.org\/ijarfi\/journal_article\/credit-risk-management-practices-and-performance-of-deposit-money-banks-in-nigeria\/","title":{"rendered":"Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong><strong>Ngwuegbu, Kingsley Obiora<sup>1<\/sup>, Colman, Emeka Uche<sup> 2<\/sup> &amp; Mbah, Paulinus Chigozie, Ph.D.<sup>3<\/sup><\/strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Abstract<\/strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><em>The study examined Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria. The specific objectives were to: examine the effect of loan appraisal procedures on the loan recovery rate and assess the effect of credit monitoring systems on the loan growth rate of deposit money banks in Nigeria. The area of the study was Enugu State. The study used the descriptive survey design approach. The primary source of data was the administration of questionnaires. A total population of 322 staff was used. 251 staff returned the questionnaires and accurately filled them. Data was presented and analyzed using mean score and standard deviation. The hypotheses were analyzed using the Z-test statistical tool. The findings indicated that loan appraisal procedures had a significant positive effect on the loan recovery rate of deposit money banks in Nigeria, Z(9.168, P = 0.05), and credit monitoring systems had a significant positive effect on the loan growth rate of deposit money banks in Nigeria, Z(9.231, P = 0.05). The study concluded that loan appraisal procedures and credit monitoring systems had a significant positive effect on the loan recovery rate and loan growth rate of deposit money banks in Nigeria. The study recommended, among others, that deposit money banks should strengthen and standardize their loan appraisal procedures by adopting comprehensive borrower evaluation and risk assessment techniques to improve loan recovery rates and minimize default risks.<\/em><em><\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Keywords: <\/em><\/strong><em>Credit Risk Management Practices, Loan Appraisal Procedures, Credit Monitoring Systems, Loan Recovery Rate, Loan Growth Rate.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Cite<\/em><\/strong><em>: <\/em>Ngwuegbu, K. O., Colman E. U. &amp; Mbah P. C. (2026). Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria. <em>International Journal of Accounting Research and Financial Insights,4<\/em>(5), 411-434.<a href=\"https:\/\/doi.org\/10.5281\/zenodo.21966434\">https:\/\/doi.org\/10.5281\/zenodo.21966434<\/a><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/birpub.org\/ijarfi\/wp-content\/uploads\/sites\/3\/2026\/08\/IJARFI_45-411-434-2.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of IJARFI_45, 411-434.\"><\/object><a id=\"wp-block-file--media-ff865a2d-45f0-4584-a9bf-4f56a4e883f1\" href=\"https:\/\/birpub.org\/ijarfi\/wp-content\/uploads\/sites\/3\/2026\/08\/IJARFI_45-411-434-2.pdf\">IJARFI_45, 411-434<\/a><a href=\"https:\/\/birpub.org\/ijarfi\/wp-content\/uploads\/sites\/3\/2026\/08\/IJARFI_45-411-434-2.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-ff865a2d-45f0-4584-a9bf-4f56a4e883f1\">Download<\/a><\/div>\n","protected":false},"author":1,"template":"","journal_article_cats":[238],"class_list":["post-3914","journal_article","type-journal_article","status-publish","hentry","journal_article_cat-vol-4-no-5"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria - International Journal of Accounting Research and Financial Insights (IJARFI)<\/title>\n<meta name=\"description\" content=\"The study examined Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria. The specific objectives were to: examine the effect of loan appraisal procedures on the loan recovery rate and assess the effect of credit monitoring systems on the loan growth rate of deposit money banks in Nigeria. The area of the study was Enugu State. The study used the descriptive survey design approach. The primary source of data was the administration of questionnaires. A total population of 322 staff was used. 251 staff returned the questionnaires and accurately filled them. Data was presented and analyzed using mean score and standard deviation. The hypotheses were analyzed using the Z-test statistical tool. The findings indicated that loan appraisal procedures had a significant positive effect on the loan recovery rate of deposit money banks in Nigeria, Z(9.168, P = 0.05), and credit monitoring systems had a significant positive effect on the loan growth rate of deposit money banks in Nigeria, Z(9.231, P = 0.05). The study concluded that loan appraisal procedures and credit monitoring systems had a significant positive effect on the loan recovery rate and loan growth rate of deposit money banks in Nigeria. The study recommended, among others, that deposit money banks should strengthen and standardize their loan appraisal procedures by adopting comprehensive borrower evaluation and risk assessment techniques to improve loan recovery rates and minimize default risks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/birpub.org\/ijarfi\/journal_article\/credit-risk-management-practices-and-performance-of-deposit-money-banks-in-nigeria\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria\" \/>\n<meta property=\"og:description\" content=\"The study examined Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria. The specific objectives were to: examine the effect of loan appraisal procedures on the loan recovery rate and assess the effect of credit monitoring systems on the loan growth rate of deposit money banks in Nigeria. The area of the study was Enugu State. The study used the descriptive survey design approach. The primary source of data was the administration of questionnaires. A total population of 322 staff was used. 251 staff returned the questionnaires and accurately filled them. Data was presented and analyzed using mean score and standard deviation. The hypotheses were analyzed using the Z-test statistical tool. The findings indicated that loan appraisal procedures had a significant positive effect on the loan recovery rate of deposit money banks in Nigeria, Z(9.168, P = 0.05), and credit monitoring systems had a significant positive effect on the loan growth rate of deposit money banks in Nigeria, Z(9.231, P = 0.05). The study concluded that loan appraisal procedures and credit monitoring systems had a significant positive effect on the loan recovery rate and loan growth rate of deposit money banks in Nigeria. The study recommended, among others, that deposit money banks should strengthen and standardize their loan appraisal procedures by adopting comprehensive borrower evaluation and risk assessment techniques to improve loan recovery rates and minimize default risks.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/birpub.org\/ijarfi\/journal_article\/credit-risk-management-practices-and-performance-of-deposit-money-banks-in-nigeria\/\" \/>\n<meta property=\"og:site_name\" content=\"International Journal of Accounting Research and Financial Insights (IJARFI)\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-24T11:01:09+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"ScholarlyArticle\",\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/credit-risk-management-practices-and-performance-of-deposit-money-banks-in-nigeria\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/credit-risk-management-practices-and-performance-of-deposit-money-banks-in-nigeria\\\/\"},\"author\":{\"name\":\"birpo\",\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/#\\\/schema\\\/person\\\/a01bf0d010e3d6c4df289f481abdb958\"},\"headline\":\"Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria\",\"datePublished\":\"2026-08-16T13:26:48+00:00\",\"dateModified\":\"2026-08-24T11:01:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/credit-risk-management-practices-and-performance-of-deposit-money-banks-in-nigeria\\\/\"},\"wordCount\":315,\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/credit-risk-management-practices-and-performance-of-deposit-money-banks-in-nigeria\\\/\",\"url\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/credit-risk-management-practices-and-performance-of-deposit-money-banks-in-nigeria\\\/\",\"name\":\"Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria - International Journal of Accounting Research and Financial Insights (IJARFI)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/#website\"},\"datePublished\":\"2026-08-16T13:26:48+00:00\",\"dateModified\":\"2026-08-24T11:01:09+00:00\",\"description\":\"The study examined Credit Risk Management Practices and Performance of Deposit Money Banks in Nigeria. The specific objectives were to: examine the effect of loan appraisal procedures on the loan recovery rate and assess the effect of credit monitoring systems on the loan growth rate of deposit money banks in Nigeria. The area of the study was Enugu State. The study used the descriptive survey design approach. The primary source of data was the administration of questionnaires. A total population of 322 staff was used. 251 staff returned the questionnaires and accurately filled them. Data was presented and analyzed using mean score and standard deviation. The hypotheses were analyzed using the Z-test statistical tool. The findings indicated that loan appraisal procedures had a significant positive effect on the loan recovery rate of deposit money banks in Nigeria, Z(9.168, P = 0.05), and credit monitoring systems had a significant positive effect on the loan growth rate of deposit money banks in Nigeria, Z(9.231, P = 0.05). The study concluded that loan appraisal procedures and credit monitoring systems had a significant positive effect on the loan recovery rate and loan growth rate of deposit money banks in Nigeria. 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