Liquidity Management in Commercial Banks the Case of the People’s Bank Of Zanzibar Ltd (PBZ LTD)

dc.contributor.author	Suleiman, Suleiman A.
dc.date.accessioned	2020-06-16T17:21:01Z
dc.date.available	2020-06-16T17:21:01Z
dc.date.issued	2013
dc.identifier.citation	APA	en_US
dc.identifier.uri	http://hdl.handle.net/11192/3217
dc.description	A proposal report in partial/Fulfilment of the Requirements for the award of Degree of Master of Science in Accounting and Finance (Msc.A&F) of Mzumbe University.	en_US
dc.description.abstract	This study examined liquidity management in commercial banks. The overall objective of the study was to empirically review the soundness of liquidity management for the People’s Bank of Zanzibar Ltd. In this manner the research sought to fill the gap between incoming and outgoing cash flow in the commercial banks which has typically focused on both liability side and assets side of bank. Considering the nature and complexity of study, senior officers involved to participate in research. A non-experimental mainly quantitative research design was used to review soundness of liquidity management of the bank. Although study was quantitative in nature but qualitative techniques were used to assist interpretation and clarification of the results. The data obtained from the Primary and Secondary sources were statistically analyzed using SPSS version 16 program and were sorted and grouped in tables of percentages and frequency distribution. Hypotheses were statistically tested through One way Anova. The study concluded that PBZ operates with excess liquidity and holds more liquid assets, to some extent, bank to hold liquid assets may reducing its liquidity risk. However, this benefit can eventually be outweighed by the opportunity cost of holding such comparatively low yielding liquid assets on the balance sheet. Liquid assets such as treasury bills and treasury bonds in which PBZ normally holds as alternative for issuing loans sometime may be unproductive, thereby such profit or benefits derived from such instruments be less than profit of illiquid assets. Finally the study recommended that bank should put more emphasis on investing excess funds in loan rather than other investments so as to boost their return.	en_US
dc.language.iso	en	en_US
dc.publisher	Mzumbe University	en_US
dc.subject	Money management	en_US
dc.subject	Liquidity-commercial banks	en_US
dc.subject	People’s Bank of Zanzibar	en_US
dc.title	Liquidity Management in Commercial Banks the Case of the People’s Bank Of Zanzibar Ltd (PBZ LTD)	en_US
dc.type	Thesis	en_US