BCOM Research Projects

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Determinants of non-performing loans among commercial banks in Kenya
(Strathmore University, 2025) Kemboi, J. K.
Non-performing loans, for a long time have been a huge challenge to the profitability of financial institutions worldwide, Kenyan commercial banks included. This study focused on gender, nature of collateral, credit monitoring and concentration of lending activities as factors affecting the non-performing loans in Kenyan commercial banks and the purpose of the study was to find out if these specific factors have any effect and their significance of their effects if any. The theories used were information asymmetry, moral hazard and behavioural finance. Primary data and a descriptive research design were used in this sh1dy. Additionally, the core data came in the form of questionnaires. This sh1dy's target population consisted of Kenya's 3 8 commercial banks. Because the sh1dy is small, the entire population was used. The data found was analyzed by a statistical software namely SPSS. Both descriptive statistics and inferential statistics was used. The uniqueness of the study was that these factors have been subject of independent studies in the past, this study aims to find out the combined and individual effects of these factors in Kenyan commercial banks. The study found that gender and concentration of lending activities had a positive relationship with non-performing loans while nature of collateral and credit monitoring had no relationship.