Determinants of Credit Policy for Corporate Customers: A Case Study of Trust Bank Limited, The Gambia

Credit policy decisions for corporate customers play a pivotal role in shaping the financial health and risk management practices of organizations. This study aims to explore the determinants influencing the formulation and implementation of credit policies tailored for corporate clientele. By synthesizing insights from existing literature and empirical analysis, the research investigates the multifaceted factors that underpin credit policy decisions, encompassing both internal organizational dynamics and external market forces. Drawing upon theories of financial management, risk assessment, and strategic decision-making, this study examines how factors such as firm size, industry characteristics, financial stability, creditworthiness assessment frameworks, and regulatory environments impact credit policy formulation for corporate customers. Furthermore, the study delves into the role of technological advancements, data analytics, and credit scoring models in enhancing the accuracy and efficiency of credit risk assessment processes. Through a combination of qualitative and quantitative research methods, including surveys, interviews, and case studies, the research aims to provide a comprehensive understanding of the determinants shaping credit policy decisions for corporate customers across diverse industry sectors and organizational contexts. By identifying best practices, challenges, and emerging trends in credit policy management, the study offers practical insights and recommendations for financial managers, credit risk professionals, and policymakers seeking to optimize credit risk management strategies and safeguard organizational financial stability in an increasingly dynamic and uncertain business environment.