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PhD Student, School of Business

Department of Finance and Accounting

Kenyatta University

P.O. BOX 43844-00100, Nairobi Kenya

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CITATION: Ayat, L., T., (2016). The Causes of the Financial Crisis in Nile Commercial Bank in Juba, South Sudan: International Journal of Economics and Finance. Vol 5 (3). Pp 14-34.


Nile commercial Bank provided loans to borrowers and these individuals have defaulted the bank. The objective of this study was to analyze the causes that are contributing to the financial crisis within Nile commercial Bank in South Sudan. Descriptive research design was used in the study and target population comprised of two hundred and forty eight bank workers and stratified random Sampling technique was used to select one hundred workers from the top management, middle and low management. Both opened and closed questionnaires and interviews guides were used to collect data; the collected data was analyzed using descriptive statistics, where statistical Packages for social science (SPSS) was applied and data presented through percentages, means, standard deviations and frequencies. The information was put on the bar charts, graphs and pie charts; this was done by tallying up all the response, computing percentages, weighted mean and standard deviations. The study concludes that lack of clear policies governing bank operations, lack of collateral security and low level of education of workers contributed to financial crisis within Nile commercial bank, the management of Nile commercial bank should put in a place monitoring systems to detect employee conduct. There was conflicts of interest in the management of the banks and there is need for the management of Nile commercial bank to come up with structured solutions and strategies such as international diversification to mitigate the effect of unsecured commercial banks loans, management of Nile commercial bank should consider investing in employee training and management, this will help to enhanced banks image and fostering managerial role in the bank.

Keywords: Financial crisis, Moral hazard, adverse selection, information asymmetric.

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