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dc.contributor.authorKiarie, Francis Kanyi
dc.date.accessioned2014-09-26T12:30:59Z
dc.date.available2014-09-26T12:30:59Z
dc.date.issued2014-09-25
dc.identifier.urihttp://ir-library.ku.ac.ke/handle123456789/11269
dc.descriptionA Thesis Submitted to the School of Business in Fulfilment of the Requirements for the Award of Degree of Doctor of Philosophy in Business (Management Science) of Kenyatta University, October, 2015en_US
dc.description.abstractCommercial banks playa major role in economic growth and development through provision of credit to execute economic activities. Credit cards are financial payment instruments that are increasingly accepted and used in consumer credit market worldwide. However, credit card performance surveys shows that credit default is a major risk faced by commercial banks in Kenya. The risk attributable to credit card default leads to high effective borrowing rates and therefore increased cost of doing business. Mitigation against this risk is necessary for the safety and soundness of the banking sector. This study aims to investigate the influence of socio-demographic, behavioural and economic factors associated with credit card holders on credit card default risks among credit card issuing commercial banks in Kenya. The study proposes to use secondary data containing socio-demographic, behavioural and economic details about credit card holders obtained from bank records. The target population of the study will be all the credit card holders of the eighteen credit cards issuing banks in Kenya. The study proposes to use a combination of cross-sectional and descriptive research designs. Commercial banks issuing credit cards will be stratified as national and multinational. From each stratum, simple random sampling will be applied to select sample elements. Forward stepwise selection will be applied to obtain optimal set of explanatory variables for the response variable. A Logistic regression model will then be fitted to determine factors with high predictive power of default in credit card loansen_US
dc.description.sponsorshipKenyatta Universityen_US
dc.language.isoenen_US
dc.publisherKenyatta Universityen_US
dc.subjectCredit cards,en_US
dc.subjectCredit risk,en_US
dc.subjectLogistic model,en_US
dc.subjectLogit transformation,en_US
dc.subjectparameter estimation.en_US
dc.titleInfluence of socio-demographic, behavioral and economic determinants on credit cards default risk in commercial banks in Kenyaen_US
dc.typeThesisen_US


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