L'étude a examiné l'efficacité du bureau de référence de crédit sur la performance financière dans les institutions financières du comté de Nakuru. The Study used a survey study research design. La population de l'étude a impliqué 210 employés d'institutions financières dans le comté de Nakuru. L'étude des données primaires exploitées par l'utilisation de questionnaires auto-administrés lors de l'examen de la littérature relative a été utilisée pour collecter des données secondaires. Les données primaires ont été analysées à l'aide de statistiques descriptives. The researcher used the statistical package for Social Sciences (SPSS) version 17 in analysis for the Study. The findings of the study were expected to provide a source of information for banking professionals to understand, control and to reduce the impact of increasing non-performing loans from the economy due to credit risk. CRB a joué un rôle important dans l'identification et la surveillance des risques en tant que tels. Moreover, CRB a considérablement aidé à réduire le taux de défaut de prêt dans l'économie en tant qu'augmentation de l'accès au crédit. Lastly, it has led to a reduction in the level of moral hazard in financial institutions in Nakuru county.It has beduced that clients are not getting appropriately rewarded for having a good credit repayment history. Measures need to be put in place to ensure that clients get an advantage for promptly repaying their loans in terms of the interest rate they pay. It is hoped that this will help cushion those with a good credit rating from CRB hence increasing efficiency in the banking sector.

The study examined the effectiveness of credit reference bureau on the financial Performance in financial institutions in Nakuru County. The Study used a survey study research design. The population of the study involved 210 employees of financial institutions in Nakuru County. The study obtained primary data by the use of self- administered Questionnaires while review of related literature was used to collect secondary data. The Primary data was analyzed using descriptive statistics. The researcher used the statistical Package for Social Sciences (SPSS) version 17 in analysis for the Study. The findings of the study were expected to provide a source of information for banking professionals to understand, control and to reduce the impact of increasing non-performing loans from the economy due to credit risk. CRB has played a significant role in as far as risk identification and monitoring is concerned. Moreover, CRB has significantly helped reduce la tasa de incumplimiento de los préstamos en la economía como bien a medida que aumenta el acceso al crédito. Lastly, it has led to a reduction in the level of moral hazard in financial institutions in Nakuru county.It has been deduced that clients are not getting appropriately rewarded for having a good credit repayment history. Measures need to be put in place to ensure that clients get an advantage for promptly repaying their loans in terms of the interest rate they pay. It is hoped that this will help cushion those with a good credit rating from CRB hence increasing efficiency in the banking sector.

The study examined the effectiveness of credit reference bureau on the financial Performance in financial institutions in Nakuru County. The Study used a survey study research design. The population of the study involved 210 employees of financial institutions in Nakuru County. The study obtained primary data by the use of self- administered Questionnaires while review of related literature was used to collect secondary Data. The Primary data was analyzed using descriptive statistics. The researcher used the statistical Package for Social Sciences (SPSS) version 17 in analysis for the Study. The findings of the study were expected to provide a source of information for banking professionals to understand, control and to reduce the impact of increasing non-performing loans from the economy due to credit risk. CRB has played a significant role in as far as risk identification and monitoring is concerned. Moreover, CRB has significantly helped reduce the rate of loan default in the economy as well as increasing credit access. Lastly, it has led to a reduction in the level of moral hazard in financial institutions in Nakuru county.It has been deduced that clients are not getting appropriately rewarded for having a good credit repayment history. Measures need to be put in place to ensure that clients get an advantage for promptly repaying their loans in terms of the interest rate they pay. It is hoped that this will help cushion those with a good credit rating from CRB hence increasing efficiency in the banking sector.

The study examined the effectiveness of credit reference bureau on financial performance in financial institutions in Nakuru County. The Study used a survey study research design. The population of the study involved 210 employees of financial institutions in Nakuru County. The study obtained primary data through the use of self-administered questionnaires while reviewing related literature was used to collect secondary data. The primary data was analyzed using descriptive statistics. The researcher used the statistical Package for Social Sciences (SPSS) version 17 in analysis for the Study. The findings of the study were expected to provide a source of information for banking professionals to understand, control and reduce the impact of increasing non-performing loans from the economy due to credit risk. CRB has played a significant role in as far as risk identification and monitoring is concerned. Moreover, CRB has significantly helped reduce the rate of loan default in the economy as well as increasing credit access. Lastly, it has led to a reduction in the level of moral hazard in financial institutions in Nakuru county.It has been deduced that clients are not getting appropriately rewarded for having a good credit repayment history. Measures need to be put in place to ensure that clients get an advantage for promptly repaying their loans in terms of the interest rate they pay. It is hoped that this will help cushion those with a good credit rating from CRB hence increasing efficiency in the banking sector.

فحصت الدراسة فعالية المكتب المرجعي الائتماني على الأداء المالي في المؤسسات المالية في مقاطعة ناكورو. استخدمت الدراسة تصميم بحث دراسة استقصائية. شارك في الدراسة 210 من موظفي المؤسسات المالية في مقاطعة ناكورو. حصلت الدراسة على بيانات أولية من خلال استخدام استبيانات ذاتية الإدارة أثناء مراجعة الأدبيات ذات الصلة لجمع البيانات الثانوية. تم تحليل البيانات الأولية باستخدام الإحصاءات الوصفية. استخدم الباحث الحزمة الإحصائية للعلوم الاجتماعية (SPSS) الإصدار 17 في التحليل للدراسة. كان من المتوقع أن توفر نتائج الدراسة مصدرًا للمعلومات للمهنيين المصرفيين لفهم ومراقبة وتقليل تأثير زيادة القروض المتعثرة من الاقتصاد بسبب مخاطر الائتمان. لعبت CRB دورًا مهمًا فيما يتعلق بتحديد المخاطر ورصدها. علاوة على ذلك، ساعدت CRB بشكل كبير في تقليل معدل التخلف عن سداد القروض في الاقتصاد بالإضافة إلى زيادة الوصول إلى الائتمان. أخيرًا، أدى ذلك إلى انخفاض مستوى المخاطر المعنوية في المؤسسات المالية في مقاطعة ناكورو. وقد تم استنتاج أن العملاء لا يحصلون على مكافأة مناسبة لوجود تاريخ جيد لسداد الائتمان. يجب وضع تدابير لضمان حصول العملاء على ميزة لسداد قروضهم على الفور من حيث سعر الفائدة الذي يدفعونه. ومن المأمول أن يساعد ذلك في تخفيف أولئك الذين لديهم تصنيف ائتماني جيد من CRB وبالتالي زيادة الكفاءة في القطاع المصرفي.