Credit risk management for salaried loans to government employees:  A case of Tanzania postal bank

Mataba, Bertha Magesa

dc.creator	Mataba, Bertha Magesa
dc.date	2019-08-28T06:13:34Z
dc.date	2019-08-28T06:13:34Z
dc.date	2012
dc.date.accessioned	2022-10-20T14:39:56Z
dc.date.available	2022-10-20T14:39:56Z
dc.identifier	Mataba, B. M. (2012). Credit risk management for salaried loans to government employees: A case of Tanzania postal bank. Dodoma: The University of Dodoma.
dc.identifier	http://hdl.handle.net/20.500.12661/1141
dc.identifier.uri	http://hdl.handle.net/20.500.12661/1141
dc.description	Dissertation (MA Business Administration)
dc.description	This study focused on credit risk management for salaries loans to government employees using a case of Tanzania Postal Bank (TPB). It aimed at examining how the Bank grants loans to employees in public owned institutions, identifying the trend of non-performing loans (NPLs) at TPB, finding out the reasons behind the rising problem of non-repayment of loans and examining measures that could solve the problem of non-performing loans. Interviews, questionnaires and observation were used to obtain the primary data and various documents were reviewed to gather secondary data. The data gathered were analyzed by using computer programs. The study findings showed that TPB had policy and procedures on credit risk management on salaried staff loans but the policies were not fully implemented. The level of NPLs had been increasing year after year which means there was poor management of staff loans. And that death of borrowers and labor turnover had been the major causes of increasing non performing loans. Other reasons included poor cooperation between the bank and employers, lack of legal action against non-complying borrowers, lack of alternative collateral, borrowers possessing multiple loans and inadequate training to credit officers on risk management. In order to control NPLs, the study recommends that the bank should implement landing policies and procedures, perform proper credit customer analysis, train credit officers on key risk indicators and how to manage the same, cooperate with employers, adopt use of supplementary collaterals and take legal action against non-complying borrowers.
dc.language	en
dc.publisher	The University of Dodoma
dc.subject	Credit
dc.subject	Credit risk
dc.subject	Credit management
dc.subject	Credit risk management
dc.subject	Government employees
dc.subject	TPB
dc.subject	Tanzania postal bank
dc.subject	Loans
dc.subject	Risk management
dc.subject	Salaried loans
dc.subject	Government employees loans
dc.title	Credit risk management for salaried loans to government employees: A case of Tanzania postal bank
dc.type	Dissertation