EFFECT OF CREDIT RISK MANAGEMENT AND REPAYMENT BEHAVIOR ON EMERGING MICRO LENDERS
Abstract
The study is on the effect of credit risk management and repayment behavior on emerging micro lenders. The objective of the study is to evaluate the impact of credit risk management on loan repayment performance in emerging micro lending institutions. The Data were gotten from both primary and secondary sources of data. The findings revealed that Repayment behavior, on the other hand, reflects the willingness and capacity of borrowers to meet their financial obligations. Factors such as borrower income stability, loan utilization, financial literacy, and lender client relationships strongly influence repayment patterns.. The study recommended that Micro lenders should adopt structured borrower assessment procedures that evaluate repayment capacity, cash flow patterns, and credit history. Even simple scoring tools can significantly reduce adverse selection
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