Regression And Time Series Analysis Of Loan Default At Minescho Cooperative Credit Union Tarkwa
Journal: International Journal of Scientific & Technology Research (Vol.4, No. 8)Publication Date: 2015-08-15
Authors : Otoo; H.; Takyi Appiah; S.; Wiah; E. N.;
Page : 188-195
Keywords : Keywords Loan; forecasting; Stationary; differencing; partial autocorrelation; cyclic;
Abstract
Abstract Lending in the form of loans is a principal business activity for banks credit unions and other financial institutions. This forms a substantial amount of the banks assets. However when these loans are defaulted it tends to have serious effects on the financial institutions. This study sought to determine the trend and forecast loan default at Minescho CreditUnion Tarkwa. A secondary data from the Credit Union was analyzed using Regression Analysis and the Box-Jenkins method of Time Series. From the Regression Analysis there was a moderately strong relationship between the amount of loan default and time. Also the amount of loan default had an increasing trend. The two years forecast of the amount of loan default oscillated initially and remained constant from 2016 onwards.
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Last modified: 2015-11-13 18:32:12