{"id":3026,"date":"2025-07-01T06:57:50","date_gmt":"2025-07-01T06:57:50","guid":{"rendered":"https:\/\/sobe.kibu.ac.ke\/?p=3026"},"modified":"2025-12-24T18:56:43","modified_gmt":"2025-12-24T18:56:43","slug":"the-influence-of-loan-portfolio-management-on-financial-efficacy-of-listed-commercial-banks-in-kenya-a-focus-on-debt-recuperation-technique","status":"publish","type":"post","link":"https:\/\/kibu.ac.ke\/sobe\/the-influence-of-loan-portfolio-management-on-financial-efficacy-of-listed-commercial-banks-in-kenya-a-focus-on-debt-recuperation-technique\/","title":{"rendered":"The Influence of Loan Portfolio Management on Financial Efficacy of Listed Commercial Banks in Kenya: A Focus on Debt Recuperation Technique"},"content":{"rendered":"\t\t
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The Influence of Loan Portfolio Management on Financial Efficacy of Listed Commercial Banks in Kenya: A Focus on Debt Recuperation Technique<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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2024<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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KIBU Authors<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Rashid Fwamba<\/p>

Tecla Kirwa<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tVIEW ON PUBLISHER SITE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Abstract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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This study investigates the influence of loan portfolio management on the financial efficacy of listed commercial banks in Kenya, with a specific focus on debt recuperation techniques. The research employs a quantitative approach, utilizing survey data from senior managers in the credit risk management departments of listed commercial banks. The collected data is analyzed using reliability analysis, factor analysis, descriptive statistics, and multiple regression analysis to assess the relationship between debt recuperation processes and financial efficacy. The findings reveal that loan recovery procedures, legal action, and collateral realization are the most commonly used debt recuperation techniques by listed commercial banks in Kenya. Profitability, shareholder value, and return on equity are identified as the most important measures of financial efficacy. The regression analysis indicates that debt recuperation techniques significantly predict financial efficacy, with loan recovery procedures, legal action, and collateral realization being significant predictors. The study highlights the crucial role of effective debt recuperation processes in enhancing the financial efficacy of listed commercial banks in Kenya. The findings provide valuable insights for bank managers, policymakers, and regulators in developing and implementing robust loan portfolio management strategies to mitigate the risk of loan defaults and improve financial performance. The paper also identifies areas for future research, such as expanding the scope to include other financial institutions and adopting a mixed-methods approach to gain a more comprehensive understanding of debt recuperation processes and financial efficacy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

2024 KIBU Authors Rashid Fwamba Tecla Kirwa VIEW ON PUBLISHER SITE Abstract This study investigates the influence of loan portfolio management on the financial efficacy of listed commercial banks in Kenya, with a specific focus on debt recuperation techniques. The research employs a quantitative approach, utilizing survey data from senior managers in the credit risk […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-3026","post","type-post","status-publish","format-standard","hentry","category-research-list"],"yoast_head":"\nThe Influence of Loan Portfolio Management on Financial Efficacy of Listed Commercial Banks in Kenya: A Focus on Debt Recuperation Technique - School of Business and Economics<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kibu.ac.ke\/sobe\/the-influence-of-loan-portfolio-management-on-financial-efficacy-of-listed-commercial-banks-in-kenya-a-focus-on-debt-recuperation-technique\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Influence of Loan Portfolio Management on Financial Efficacy of Listed Commercial Banks in Kenya: A Focus on Debt Recuperation Technique - School of Business and Economics\" \/>\n<meta property=\"og:description\" content=\"2024 KIBU Authors Rashid Fwamba Tecla Kirwa VIEW ON PUBLISHER SITE Abstract This study investigates the influence of loan portfolio management on the financial efficacy of listed commercial banks in Kenya, with a specific focus on debt recuperation techniques. 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