ABSTRACT
This work was carried out to appraise credit management
techniques in United Bank for Africa (UBA) Plc, Gboko.
Primarily, the work sought to find out the credit management
techniques adopted in United Bank For Africa (UBA) Plc. Gboko,
to trace the loads and advance granted by United Bank for
Africa (UBA) Plc, Gboko and to establish the relationship that
exist between credit management techniques and the
performance of the Bank, among others. A survey research
method was used in the work and the data collected analysed
using the descriptive and inferential statistics. From the
analysis, it discovered that in United Bank for Africa (UBA) Plc,
Gboko, the major credit management techniques used are the
appraisal, approved limit and installment disbursement
techniques.
These techniques have positive influence on the
performance of the bank. The conclusion is that even through
the financial institution has high performance rating as a result
of the use of sound credit mismanagement techniques, the
bank still needs to improve upon its efficiency level by giving its
credit management staff more orientations on self discipline and
adherence to professional ethics and by reducing its
organizational levels to reduce bureaucratic tendencies.
