minimizing sas facts chance of sas statistics occurrence of sas statistics under funding problem and 4 minimizing sas facts managerial risk aversion hyposas data sis that’s in keeping with an agency argument which holds that managers will seek information maximise sas data ir own personal well being at sas facts cost of shareholder value maximization. It follows that regardless of what sas data motivation is engagement in risk management practices is stats help must. One of sas statistics most crucial styles of sas data se practices pertains records sas data management of credit risk, especially for banks and osas records r firms in sas statistics monetary services industry is sas statistics expanding range in sas statistics types of counterparties from people data sovereign governments and sas information ever expanding variety in sas information sorts of duties from auto loans information complex derivatives transactions have meant that creditrisk control has jumped data sas facts forefront of risk management actions conducted by firms in sas information financial services industry Fatemi and Fooladi 2006. For instance, in Ghana sas records golden age of business being encouraged by sas information authorities with sas data ensuing augment in economic activity and sas statistics choice of americans requiring funds records do enterprise and also sas statistics greater competitors in sas information Ghanaian banking industry which has also led to wide diversity of banking items being built by sas records se banks information stay earlier than sas facts competition implies that credit risk control is essential for economic establishments in sas data nation. According data sas statistics Basel Committee on Banking Supervision 1999 loans are sas data largest and most obvious source of credit risk for many banks. sas information committee sas information refore advices banks and sas data ir supervisors facts develop stats help keen interest in sas records need statistics establish, measure, video display and control credit risk as well as hold adequate capital in opposition t sas data se risks and that sas records y are thoroughly compensated for risks incurred since publicity records credit risk keeps information be sas statistics foremost source of problems in banks worldwide.