Risk assessment and loan performance of KCB Bank, South Sudan: A cross-sectional study.

Authors

  • Maduok Thiep Geng Aduong School of Graduate Studies and Research, Team University . Author
  • Dr. Ssendagi Mohammad Author
  • Edmand Bakashaba School of Graduate Studies and Research, Team University. Author

DOI:

https://doi.org/10.64792/04ve3p26

Keywords:

Risk assessment, Loan performance, CB Bank, South Sudan

Abstract

Background:

Currently, banks have witnessed rising non-performing credit portfolios, which have significantly contributed to financial distress in the banking sector. The study aims to establish the relationship between risk assessment and loan performance of KCB Bank, South Sudan.

 Methodology:

The study employed the descriptive correlation cross-sectional research design, and this design involved the

A collection of data at one point in time is a random sample representing some given population at that time.

Demographic characteristics were analyzed using frequencies and percentages in frequency tables. Data were analysed using SPSS version 22 to generate descriptive statistics of means and standard deviations.

 Results:

The majority age category was 48-57, with 30 (39% of the respondents). The 38-47 category had 28% of respondents recorded, the 18-27 category had the 25% of the respondents, the 28-37 category had 7% of the respondents, while 58+ had 1% of the respondents. There exists a significant relationship between the Risk Assessment and Loan Performance in KCB Bank South Sudan (sig = 0.002). The sig value was small enough and below the 0.05 level of significance.  Findings indicated that Risk Assessment did significantly correlate with loan performance constructs. The null hypothesis was rejected while the alternative was accepted because the corresponding p-value (sig=0.002) was small enough and below the 0.005 level of significance.

 Conclusions:

Risk analysis is fundamental in enhancing Loan performance. The study concludes that effective client training is necessary for Loan performance, indicating that utmost work performance is fundamental for loan portfolio response.

 Recommendations:

The management needs to provide a sound internal mechanism through control of expenditures to attain a financially stable business.

Author Biographies

  • Maduok Thiep Geng Aduong, School of Graduate Studies and Research, Team University .

    is a student of a master's degree in finance at Team University.

  • Dr. Ssendagi Mohammad

     is a supervisor at Team University.

  • Edmand Bakashaba, School of Graduate Studies and Research, Team University.

    is a supervisor at Team University.

References

1. Chege, W. (2010). The relationship between credit risk management practices and financial Ciborra, C. (2006), Imbrication of representation: risk and digital technologies", Journal of Management Studies, Vol. 43No.6, pg. 1339-56. https://doi.org/10.1111/j.1467-6486.2006.00647.x

2. Djankov,. S. McLeish, C.,&Shleifer, A (2007).PrivateCreditin129Countries, Journal of Financial Economics, 84, 299-329. https://doi.org/10.1016/j.jfineco.2006.03.004

3. Hameeda, A.H. & Al Ajmi, J. (2012). Risk Management Practices of Conventional and Islamic Banks in Bahrain. Journal of Risk Finance

4. Muli, M.S. (2003). An Investigativscvui9scvui94y73ye Study on the Management of Property Risks in Kenya: A Case Study of the Insurance Sector, Unpublished MBA Project, University of Nairobi

5. Pagano, M.S. (2009), How theories of financial intermediation and corporate risk management, Unpublished MBA Project,

6. Siba, A.M. (2012). Relationship Between Financial Risk Management and Financial Performance of Commercial Banks in Kenya. Unpublished MBA project. University of Nairobi

7. Wendel, C, &Harvey.M.(2003). Credit Scoring: best practices and approaches, Commercial

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Published

2026-04-30

Issue

Vol. 2 No. 2 (2026): April 2026 Issue

Section

Business, Economics, and Management

License

Copyright (c) 2026 Maduok Thiep Geng Aduong, Dr. Ssendagi Mohammad, Edmand Bakashaba (Author)

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How to Cite

Risk assessment and loan performance of KCB Bank, South Sudan: A cross-sectional study. (2026). East African Journal of Research and Innovation, 2(2), 6. https://doi.org/10.64792/04ve3p26

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