期刊名称：International Journal of Academic Research in Business and Social Sciences
电子版ISSN：2222-6990
出版年度：2021
卷号：11
期号：5
页码：171-189
DOI：10.6007/IJARBSS/v11-i5/9892
语种：English
出版社：Human Resource Management Academic Research Society
摘要：To analyze the Influence of Information asymmetric management on the Lending Performance of Commercial Banks in Rwanda. This study is important to various stakeholders in particular the Government of Rwanda, academicians, professionals, and researchers. In this thesis, the researcher aimed at developing the notion conceptually, specifically, built on the work of (Chepkoech & Francis, 2014) and (Rannenberg, 2012), whom their works were based on the Information asymmetric in credit markets, bank leverage cycles, and macroeconomic dynamics. Two critical aspects formed the guiding philosophy of the entire research process and these were: (1) the Role of Financial institutions on maintaining the monetary stability and the Political factor as the monetary regulator both as the fundamental actors of Lending Performance of Commercial Banks. The study adopted a descriptive survey as study design. The target population of the study was 931 from Bank of Kigali, Bank Populaire du Rwanda, I &M Bank, Cogebanque, Ecobank, KCB, Equity, GT-Bank, Access Bank, and CraneBank (BCR) where 280 Questionnaires were distributed to selected individuals through stratified and purposive sampling methods and different individuals such as DGs, CEOs, Directors, Head of Units, Specialists, Experts, Professionals from Rwanda were part of the study. The primary data was collected through structured questionnaires; whereas secondary data through reading and analysis of relevant books, reports and journals. The data collected was edited, coded, and fed into SPSS software v. 16 and e-views 3 for analysis, using descriptive, inferential statistics and econometrics. Regression analysis was done to investigate the relationship between hypothesized variables. The study found out that Propitious Selection management has a strong influence on the lending performance of Commercial Banks in Rwanda; where it contributes (β=0.970) on Working Capital (WC) and (β=0.708) on Retained Earnings (RE); Political Drive as a moderating variable plays a positive role on the influencing the Information asymmetric management and on the lending performance of Commercial Banks in Rwanda; where it was influenced (β=0.783) for Working Capital (WC) and (β=0.789) on Retained Earnings (RE); moral hazard management to has a significant influenced the lending performance of Commercial Banks in Rwanda on (β=0.899) for Working Capital (WC) and (β=0.601) on Retained Earnings (RE); however, on the lending performance of Commercial Banks in Rwanda; adverse selection management demonstrates a weak influence on the lending performance of Commercial Banks in Rwanda with (β=.542) on Working Capital (WC) and (β =.500) on Retained Earnings (RE). On conclusion, the researched found out that Information asymmetric management has a statistically significant contribution to the lending performance of Commercial Banks in Rwanda.
