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CERTIFICATION
This is to certify that this Project entitled
« Assessing the Impact of Risk Management in Reducing the
Risks of Financial Institutions in Cameroon » presented by
Cédric DALLE Paul (UB 021149) meets the project
requirements and regulations governing the Award of a Bachelor of Science
(B.Sc.) degree in Banking and Finance at the University of Buea and is
Therefore approved for its contributions to scientific knowledge and literacy
presentation.
Sign: ............................
Date: ....................
Mr MBU S. Agbor
(Supervisor)
Sign: ............................
Date: ....................
Dr MOLEM C. SAMA
(Head of Department)
DEDICATION
I dedicate this work to the DALLEs
Papa, Sandrine and Steve
And also to
My grand mother EWOMBE Regine.
Thanks for all.
ACKNOWLEDGEMENTS
I cannot start this section without giving a SPECAL THANK to
the ALMIGHTY GOD for his blessing on me and my family.
Special acknowledgements go to my supervisor Mr MBU S. Agbor
for all his efforts and devotion to make sure that the Researches will be
carried out effectively.
My uncle DIHEPE Alain is not left out; he helped me in giving
me advice on how to carry out my researches.
Exclusive acknowledgement to my friends of the group FUTUREX,
Guyzo, Stef, le Fotue, le Kalbe, Baisetcha, Didier and Lucile, lets build
together.
Special thank to Mathe and Jo for their moral support and
assistance. Thanks ladies.
I also would like to thank my programme coordinator for the
convivial atmosphere that exists during his lectures, thanks Mr NDENKA.
I would like to thank all the persons that contributed a lot
not only in my life but also in the realisation of this Project, especially the
NJOH family.
I will this tome express my thanks to all my friends: NJALEU
Alain, TCHENA NDJENG Theodore, ESSAM J.P.B, Emilie NKOUEMOU, Charlise MINKEU,
Carole KAMGUIA, Hermine FOKEM, SANAMA, Caroline, Charlotte, EDU Nora, Claude,
EBOLE Annick, Charline, METCHETCH, Claude-Maurelle, WEMBE Cyrille, Eric and
Arlette, Laura, Alice, Amina, Guy-franck and Romy.
Any thanks go to my Cousin EPOTO SONGA Ange Annick, for her
assistance in all aspect of my life in UB.
I am specially indebted to my great friend Winnie NZOUATCHA
for her spiritual support, spiritual encouragement and for being there when she
was needed
Finally I would like to thanks all those who participated
directly or indirectly to the realisation of this project especially the Staff
of the Library of the University of Buea.
DECLARATION
I hereby declare that this project is written by me and it
represents a record of my own research efforts. It has not been presented
before in any application for a degree or any reputable presentation. All
borrowed ideas have been duly acknowledged by means of references and quotation
marks.
Sign: ..............................
Date: ......................
Cédric DALLE Paul
This above declaration is confirmed by:
Sign: ..............................
Date: ......................
Mr MBU S. Agbor
(Supervisor)
ABSTRACT
This work «Assessing the Impact of Risk Management in
Reducing the Risks of Financial Institutions in Cameroon» seeks to study
and evaluate the relationship between Risk Reduction strategy and the
profitability of Financial Institutions in Cameroon for the period 1997-2005.
Given the problem statement, does risk management have an
impact on risky shift through reduction of bad loans in the Cameroonian
financial system? The study was aimed at finding out whether Risk Management
relates negatively with profitability of financial institutions in Cameroon.
The null hypothesis were raised from the problem statement; Risk Management
does not affect effectively returns in financial institutions
Most of the data was collected through secondary sources found
in publications, books and internet. These data were analysed using the trends
analysis, table analysis, ratio analysis and standard deviation analysis to
verify the relationship between Risks Management and Return of Financial
institutions in Cameroon.
Risks Managers should try to keep adequate liquidity level in
order to meet some uncertain issues related to the withdrawals of funds or
bankruptcy.
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