The study looked at how different credit management strategies affect loan performance in microfinance banks in Nigeria. They found that evaluating clients properly before giving them loans has a positive impact on loan performance. However, the length of time given for repayment doesn't have a significant effect, and having a strict collection policy can actually have a negative impact. The researchers suggest that microfinance banks in Nigeria should focus on thorough client appraisals when giving out loans and that the government should set up a reliable Credit Information Reporting system to help with this process.