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A. Justine

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Review Open access Aug 2026

Effect of Credit Management on Non-Performing Loans among Listed Deposit Money Banks in Nigeria

This study examines the effect of credit management on non-performing loans (NPLs) among 10 listed deposit money banks (DMBs) in Nigeria from 2015 to 2024. Guided by Merton’s (1974) Credit Risk Theory, which explains that defaults occur when borrowers’ liabilities outweigh their repayment capacity, the research focuses...

A. Justine · 0 citations

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