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What is your understanding of credit appraisal?
   
 
 
 
What is the relationship between credit risk and loan performance of commerial banks?
   
 
 
 
What are the specific credit appraisal process employed for SMEs?
   
 
 
 
How effective are the credit appraisal processes used in your bank?
   
 
 
 
How do techniques or methods of credit appraisal influence loan performance of SMEs?
   
 
 
 
With respect to SMEs, what do you think are the causes of Non-Performing Loans
   
 
 
 
What are the specific challenges encountered in your appraisal processes?
   
 
 
 
What can be done to improve the credit appraisal process system in your financial institution
   
 
 
 
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