Abstract: The study aimed at assessing the effects of credit evaluation practices and profitability of Co-operative Bank in Kenya. The study population comprised of 94 staff from various management levels in the Bank. The study employed descriptive research design and employed a stratified proportionate sampling. Data was collected using questionnaires. The results of statistical analysis showed that credit evaluation practices positively affect profitability of Cooperative Bank, Kenya. The study recommends that creditors and lenders should use various tools in finance in order to evaluate credit the potential borrower credit worthiness. The bank should provide the lender information about various risk factors related to the loan applicant before providing the loan.
Keywords: Credit Evaluation Practices, Profitability.
Title: CREDIT EVALUATION PRACTICES AND PROFITABILITY OF COOPERATIVE BANK, KENYA
Author: George Abuta Abuga, Mr. Gerald Atheru
International Journal of Management and Commerce Innovations
ISSN 2348-7585 (Online)
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