Virtual Lending And Loan Repayment In Commercial Banks In Kenya

Abstract Virtual lending was introduced to fasten loan repayments but the latter is still a challenge to commercial banks. Banks still experience delays in repayment of loans as well as loan defaults. Delays of repayment lead to an increase in in Kenya non-performing loans ratio, which in turn has a significant impact on the liquidity of the bank. Loan repayment in commercial banks in Kenya has been poor for the last five years as evidenced by the increasing non-performing loan ration among commercial banks in Kenya. This study therefore sought to investigate on the relationship between virtu…