The research revealed that the bank policies and credit management were in agreement, yet, in practical terms neither of them (bank policies and credit management) influenced the credit performance in the rural bank. The study showed that the bank had higher default rate, hence, operating far below the Bank of Ghana benchmark recovery rate. It was recommended that the bank should adopt innovative lending methodologies such as group lending and dynamic lending to joint-liable group to solve the problem of high default rate. Also the banks portfolio management should organize business operation seminars especially on risk management for their clients.

Genesis Gyasi Sah is an intelligent accounting and finance professional with a reputation as a trusted advisor to individual clients and small businesses. He excels in recommending high-impact yet low-risk solutions that help small businesses achieve profitability and individual clients reach their financial goals. He is currently a Phd student.