期刊名称：International Journal of Finance & Banking Studies
印刷版ISSN：2147-4486
出版年度：2022
卷号：11
期号：2
页码：260-269
DOI：10.20525/ijrbs.v11i2.1638
语种：English
出版社：Society for the Study of Business & Finance
摘要：This paper assesses the determinants of the lending of six commercial banks in Tanzania from 2015 to 2019 using a quantitative research design. The data were collected from Annual Reports of the six commercial banks. The results show that liquidity and capital adequacies have a significant relationship with lending, whereas interest rate and management efficiency have no statistically significant influence on lending. Thus, effective policies should be developed to ensure commercial banks grow and be able to advance more credit. Additionally, the banking sector needs to prioritize increasing the liquidity ratio to ultimately strengthen the bank's financial position. Furthermore, commercial banks should be more innovative in their lending since different sectors present different risk profiles. Lastly, Commercial banks management needs to employ capital growth strategies to enhance the banks’ capital conservation buffer that requires banks to build up extra buffers outside periods of stress.
