Abstract:
The study’s overall objective was to investigate credit risk mitigation strategies adopted by 44 the commercial
banks currently operating in Kenya. The study was descriptive in nature. The study opted for both primary and
secondary forms of data. The secondary data was collected from the documentations obtainable from the banks
and the primary data from various banks. The collected data was examined to make inferences through a series of
operations. Data was analyzed using descriptive statistics involving percentages and charts. The study found out
that the banks had policies and strategies that governed the loan lending. Though this existed most of the banks
didn’t seem to efficiently implement the same. The banks assumed some of the economic factors which could
affect their loan performance. The banks also concentrated highly on collateral as the main security for loans
which at times made the banks assume other strategies of preventing risk.
