Questionnaire On Credit Management Case Study of Wegagen Bank Share Company Tigray Region
Questionnaire On Credit Management Case Study of Wegagen Bank Share Company Tigray Region
Instruction:
Please encircle or/and fill in the blank spaces your possible answer to the corresponding
I. Personal Details:
1. Gender:
a) Male b) Female
2. Age:
3. Marital Status:
a) Single b) Married
4. Educational level:
5. Who initiates you to approach the bank for your first loan request?
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a) Yes b) No
7. If your answer to Q no, 6 is “No”, Please explain the problems observed _________.
8. Does the bank staff visit your business site during your loan request or before loan
approval?
a) Yes b) No
9. Do the application requirements and procedures convenient and simple?
a) Yes b) No
10. If your answer to Q 9, is “No”, please specify that you assumed unnecessary
__________________________________________
11. Is the loan processing time short and convenient for you?
a) Yes b) No
13. When you approach the branch do you get relevant information to your
request/need?
a) Yes b) No
14. If your answer to Q no.13 is no, please specify the problems you faced
___________________________________________
15. For how long are you loan client of the bank?
16. How do you evaluate your so far relationship with the bank as a loan client?
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17. If your answer Q no, 16, is fair or bad please specify the reason
____________________________________________
18. In which part do you think the bank needs improvement? (Hint. tick that
Apply)
19. Would you please indicate the reason for any answer of Q no., 18?
_____________________________________________
20. Do you think to extend your relation further with the bank?
a) Yes b) No c) It depends
21. If your answer for Q. no, 20 is “No” or It depends with whom do you think the
Problem
22. What solutions or amendments do you think required to the bank in future
23. Do you think the existence of the bank add value to your business growth?
a) Yes b) No
_______________________________________
25. Does the bank visit your business sites after loan granting?
a. Yes b) No
a) Yes b) No
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27. Explain your answer to Q no, 26 for any one of your answer
________________________________________
28. Do you think the amount of loan approved was enough for the intended Purpose per
your request?
a) Yes b) No
29. If your answer to question no. 28 is “No”, specify the problem you think
_________________________________________
30. Do you think the loan repayment duration convenient to your business?
a) Yes b) No
31. If your answer to question no. 30 is “No”, can you suggest the most
______________________________________________
32. Which of the following is/are the most important one/s motivating you to
d) knowing that paying bank loan per the agreement is ethical and an obligation
33. If you have any idea, or comment towards improvement of overall credit
management of the bank, please write them on the space provided below.
_____________________________________________
Appendix-B
Tigray region
Instruction
Please encircle or/and fill in the blank spaces your possible answer to the corresponding
I. Personal Details:
1. Gender:
a) Male b) Female
2. Age:
3. Marital Status:
a) Single b) Married
4. Educational level:
5. Did you have any experience of loan with other banks before?
a) Yes b) No
6. How many times did you take loan from the bank?
a) once b) Twice c) three times d) four times e) more than five times
7. If you settled the previous loans regularly what do you think the problem with the
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8. Was the amount you took enough for the intended purpose and per your
Interest?
b) Yes b) No
9. If your answer to Q no. 8 is “No”, explain if it has any impact on your business
Performance
_______________________________________________
10. Would you please mention any problem/s/that affects your performance you
_______________________________________________
11. Do you think the loan repayment duration was convenient to your business?
a) Yes b) No
12. If your answer to Q no, 11, is “No”, can you suggest the most suitable repayment
_________________________________________
13. You became unable to pay your periodic loan repayment, what is/are the major
a) Market problem
b) Environmental problem
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__________________________________
16. What mechanism have you designed to pay the unpaid loan balance?
b) Sell of property
a) Legal undertaking
c) foreclosing
a) Yes b) No
19. If your answer to Q no, 18 is “No”, please suggest the possible solution should be
___________________________________________
20. If you have any idea, or comment towards improvement of credit management of the bank,
Tigray Region.
Instruction:
Please encircle or/and fill in the blank spaces your possible answer to the
I. Personal Details:
1. Gender:
a) Male b) Female
2. Age:
3. Marital Status:
a) Single b) Married
________________________________.
7. Years of experience?
a) Yes b) No
9. If your answer to Q no, 8, is “Yes”, when was the manual or policy revised?
____________________________________
10. Do you think it is up to date & convenient for loan creation?
a) Yes b) No
11. If your answer to Q no, 10, is “No”, specify the impediments encountered
_______________________________________________
12. How can you see your institution’s credit policy and procedure?
13. Do the policies and procedures exactly comply with regulations of national bank
a) Yes b) No
14. If your answer to Q no, 13, is “No”, please specify the gaps
____________________________________________
a) Yes b) No
16. If your answer to Q no, 15 is, “No”, please specify the most reasons
________________________________________________
18. How do you rate the credit analysis and procedure followed by the bank in
Extending credit?
19. Does the bank provide loan service that fit to the preference of the borrowers?
a) Yes b) No
22. Do you think the branch lending limit and overriding limit has any impediment in you
23. If your answer to Q no,22, is yes please suggest other most convenient procedure
______________________________________________
24. What are the main reasons to loan client’s dissatisfaction in loan processing
________________________________________________
25. Your banks loan approving/recommending procedure of the credit proposal of clients
is based on
a) Loan committee at all level b) Branch Manager and president c) Loan department d)
board
26. Would you please indicate the pro and cons facing due to your answer to Q no, 24
pro___________________ Cons_______________________
26. Which of the following credit collection technique/s/ are adopted by your
Bank?
27. Do you think the credit collection technique used by your bank is effective?
a) Yes b) No
28. If your answer to Q24 is “No”, please specify the appropriate technique/s/
30. What do you think is/are the major reason/s/ for default in your
a) Lack of follow-up
b) Lack of training
d) Loan diversion
e) Absence of book-keeping
31. What preventive measures do you think effective to be used before failing loans to
default? ______________________________________
32. What measure/s is/are taken on the side of the bank to improve the
a) Loan rescheduling
b) Additional loan
a. Yes b) No
34. If your answer to Q 33 is “No”, what measure are taken by the bank to enforce repayment
a. Foreclosure
b. Court proceedings
a) Effective b) Ineffective
36. If your answer to Q 32 is “Ineffective”, what is/are the reason/s/ behind this?
a. Buyers don’t want to buy some one’s property because of bank loan
37. Which one of the forcing measurements do you think most effective and convenience?
38. Would you please specify any problem/s/ of credit management that your institution
39. Would you please specify the major credit problems you assume_________________
40. For the problem/s/ that you mentioned above, please list out all the possible and better
solution/s/ that can improve the credit management system of your bank.