I approve that this feuille is my own work. I use read and understood the University code of integrity and restrictions concerning plagiarism and the charges to be received if my own work is usually deemed unauthentic. I am willing to let my function to be used as a test thesis or perhaps reference document by either Coventry School or GTUC for foreseeable future students.
Fixed:...................... Date:................. (Amponsah вЂ“ Doku Aaron)
Agreed upon:..................... Date:.................... (Mr. Kwaku Duah Berchie)
It is a great pleasure to me to thank the numerous people who in various ways have got supported my own graduate studies, and written for the process of publishing this thesis. First, I would like to give thanks to my boss, Mr. Kwaku Duah Berchie for his selfless and insightful directions. I as well thank Dr . Robert Baffour for his thesis medical center which really helped me on paper the thesis. I like to communicate my appreciation to Mister. Peter Annan Aborhey, who had been my assistance angel during the period of writing the thesis. We also thank Miss Martha Boatemaa of Youth Centre for typesetting the thesis. My honest thanks as well go to the M. O. G, Management and Staffs of Suame Circuit Co-op. Credit Union Ltd for permitting me to work with their business for this analyze. I give thanks to my wife Mrs Deborah Amponsah вЂ“ Doku for her unflinching support and understanding at my studies. My deepest appreciation and appreciation goes to my mother, Mrs Margaret Amponsah Doku, and my sis, Euphegenia Selma Darkoah Amponsah for their financial support and encouragement through my studies. Finally, most importantly, I appreciate the Luminous God to get His elegance, wisdom, understanding and advice throughout the research.
This kind of work is usually dedicated to my personal late father, Mr. Robert Amponsah Doku, my mom, Mrs Margaret Amponsah Doku, my wife Deborah and my own three lovely children; Samuel, Nhyira and Nana Akosua.
The study searched for to assess the credit risk management practices of nonbanking Financial institution in Ghana, taking a general look at managing approach undertaken by Suame Methodist Cooperative Credit Union to smartly position alone in response towards the ever increasing competition in the industry; in order to identify the credit risikomanagement processes and systems in Suame Methodist Cooperative Credit Union; uncover the issues of risikomanagement practices in Suame Supportive Credit Union.; and check out the magnitude to which risk management impacts on the performance (profitability) of Suame Cooperative Credit rating Union. Making use of the purposive sampling method for the selection of the sample size of 20 or so members of staff (comprising both bureaucratic and nonmanagerial grade) questionnaires were employed for the collection of primary data. This research established the needed body work of economic institutions and tends to provide into view the challenges and also the daily routine techniques of the financial loan portfolio as well as its managements. The analysis realized that the shortcoming to properly control portfolios under one's attention results in enormous losses to the credit union, and therefore set aside because bad debts after several attempts to recover does not work out; thereby resulting into higher the risk of credit management the lesser the performance with the credit union, since its functionality is dependent within the general stock portfolio divestiture. We recommend that, Suame Cooperative Credit Union should mix up their bank loan portfolios into different deals that will fit their clientele by taking the financial standing of their clients into consideration. The cooperative credit union should certainly develop a extensive plan to monitor the loans given out. This will help to to increase the rate of repayment and lessen default rate of customers as well as help facilitation of fishing out...