@incollection{,
	
					
					
					E960BA35183845B5459B25092D4E77FC
				,
	author={{Kwaku D.Kessey} and {Kwame Nkrumah University of Science and Technology, Ghana}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}156110
}

@incollection{b0,
	
	
		,
	title={{Multi-country Study of Bank Credit Risk Determinants}}
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	author={{
			NHAhmad
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			MTariff
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	journal={{International Journal of Banking and Finance}}
		
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	year={2007}
		
	

}

@incollection{b1,
	
	
		,
	title={{Banking Regulations and Supervision; what works best}}
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	author={{
			JRBarth
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			GCapriJr
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			Levine
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}

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	title={{The role of collateral in a model of debt renegotiation}}
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			HBester
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}

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	title={{Problem Loans and Cost Efficiency in Commercial Banks}}
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	author={{
			NABerger
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			DeYoung
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			R
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			21
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}

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	title={{Treatment of Non-Performing Loans in Macroeconomic Statistics}}
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	author={{
			MABloem
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			NCGorter
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}

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		,
	title={{A Portfolio View of Credit Risk}}
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			MBhatia
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	year={2005. April 2013}
		
	

}

@incollection{b6,
	
	
		,
	title={{Principles for the management of credit risk}}
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	author={{
			Bassel
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	year={1999}
		
	

}

@incollection{b7,
	
	
		,
	title={{An Empirical Study of Credit Risk Efficiency of Banking Industry in Taiwan}}
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	author={{
			KChen
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			CPan
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	year={2012}
		
	

}

@incollection{b8,
	
	
		,
	title={{Effective risk management in financial institutions: the Turnbull approach}}
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	author={{
			ACarey
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			9
			3
			
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}

@book{b9,
	
	
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	title={{Essential Guide to Qualitative Methods in Organizational Research}}
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	author={{
			CCassell
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			GSymon
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	publisher={Sage publications}
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	address={London}
		
	

}

@incollection{b10,
	
	
		,
	title={{Loan repayment performance in community development finance institutions in the U.K}}
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	author={{
			WKDerban
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			25
			
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}

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	title={{Banking Operations: UK Lending and International Business}}
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}

@book{b12,
	
	
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			HGreuning
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}

@incollection{b13,
	
	
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	title={{Credit Risk Modelling and Valuation: An Introduction}}
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				London
		
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			Cornell University
		
	

}

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}

@book{b15,
	
	
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	title={{Credit Risk and the Performance of Nigerian Banks}}
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	author={{
			HSKargi
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	year={2011}
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	address={Zaria, Ahmadu Bello University}
		
	

}

@book{b16,
	
	
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	title={{Credit Risk Management and Profitability of Commercial Banks in Kenya}}
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	author={{
			AMKithinji
		}}
		
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	year={2010}
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			School of Business, University of Nairobi
		
	

}

@incollection{b17,
	
	
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	title={{Problems of Banking Lending in Bulgaria: Information Asymmetry and Institutional learning}}
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			The Wharton School University of Pennsylvania
		
	

}

@book{b18,
	
	
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	author={{
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			GArmstrong
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			JSaunders
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}

@book{b19,
	
	
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	title={{Best practices in strategic credit risk management. (On-line)}}
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@incollection{b20,
	
	
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	title={{Basic lending conditions and procedures in commercial banks}}
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			AMMwisho
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}

@book{b21,
	
	
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	title={{The Effect of Lenders' Credit Risk Transfer Activities on Borrowing Firms' Equity Returns}}
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			IWMarsh
		}}
		
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	year={2008}
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	address={London, Cass Business School and Bank of Finland}
		
	

}

@book{b22,
	
	
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	year={2002}
		
	
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@book{b23,
	
	
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	title={{Credit Risk Securitization and Banking Stability: Evidence from the Micro-Level for Europe}}
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		}}
		
		
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	year={2009}
		
		
			Draft, Bocheum, University of Bochum
		
	

}

@book{b24,
	
	
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@incollection{b25,
	
	
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	title={{Risk management in financial institutions}}
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			AMSantomero
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@book{b26,
	
	
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@incollection{b27,
	
	
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@book{b28,
	
	
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@book{b31,
	
	
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			Wharton School of the University of Pennsylvania
		
	

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			MSaunders
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@book{b33,
	
	
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	title={{Doing Qualitative Research, 2 nd edition}}
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			DSilverman
		}}
		
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}

@book{b34,
	
	
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	title={{New Approaches to Value at Risk and Other Paradigms Second Edition}}
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	author={{
			ASaunders
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			ALinda
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}

@book{b35,
	
	
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	title={{Technical guide on Portfolio Quality}}
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			Micro Rate & Inter -American Development Bank
		
	
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@book{b36,
	
	
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	title={{Social Research in Rural Communities, 2 nd ed}}
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			PATwumasi
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	year={2001}
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	address={Accra}
		
	

}

@book{b37,
	
	
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	title={{Case Study Research, Design and Methods, 3 rd . edition}}
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		}}
		
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	year={2002}
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	publisher={Sage publications}
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	address={Newbury Park}
		
	

}