| dc.description.abstract | To determine the level of risk default that a client or household presents and assign a risk score to each client, to ascertain the validity of the credit score and household borrowing, to examine trends in credit portfolio diversification, to guarantee adequate controls over credit score, the study aims to examine and establish personal credit scores and access to affordable credit in accessing affordable credit, a case study of the NCBA Bank Group PLC Kenya. Targeting 170 personnel, namely the corporate risk manager, project manager, branch manager, credit risk manager, and operations manager of the NCBA Bank, Kenya, a descriptive study approach was used. 30% of the workers in a survey of 35 branches out of 64 branches were used in the study (51 employees). Both primary and secondary data were employed in the investigation. The primary data will be administered with the questionnaire, and data presented in form of tables and pie charts.It is recommended that in order to assess specific banks’ capacity for portfolio risk management and the creation of expert-based scorecards, focused consultations with those banks are necessary. In addition, there is need forlaunching a large-scale effort to standardize the gathering of financial statement data, ratio computations, collateral quality measurements (type, loan-to-value ratio, lien position), and performance data for loans and deposits. This would eventually allow for the creation of a pooled credit scorecard that includes not only credit bureau data but also the other essential components of a strong NCBA Bank, Kenya scoring model. The days of implementing broad-based policies are being replaced by in-depth evaluations of the market circumstances and a better effort to comprehend the increasingly complex wants of consumers. Additionally, it must be made known that the Credit Information Sharing Mechanism opens up new avenues for obtaining official credit | en_US |
