Abstract: For almost all rural banks in Ghana, loans are the largest and most obvious source of credit risk; however, other sources of credit risk exist throughout the activities of a bank, including the banking book and in the trading book. The main goal of the research was to assess the credit risk management practices used by rural banks in Ghana precisely Ashanti region. To have information on this, annual reports of the selected rural banks of the years of study were thoroughly studied. In addition, interviews and questionnaire were used to collect information from key staffs that were directly related to the credit origination and credit risk management and the defaulters from the banks. A critical observation of the processes involved in the banks’ credit creation to its administration was made. The results of the study revealed that, the selected rural banks were making efforts to reduce their portfolio at risk to minimal. From the findings, the banks portfolio at risk showed a downward

• Publication Date: 03-Aug-2014
• DOI: 10.15224/978-1-63248-036-1-60
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Abstract: Currently, the Malaysian Physics curriculum aims to provide opportunities for students to acquire science knowledge and skills, besides developing thinking skills and strategies, and to apply this knowledge and skills in their everyday life, but also to inculcate in their noble values and the spirit of patriotism (KBSM, 2012). In order to achieve the objective of Physics curriculum of Malaysia, it is first very important to explore the factors affecting the interest and performance of Malaysian students in Physics, and from here identify the possible steps that can be taken to improve the situation. Some suggestions are given by the author for future methods that educators may implement to increase the number of students taking Physics in higher education.

• Publication Date: 03-Aug-2014
• DOI: 10.15224/978-1-63248-036-1-61
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