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Risk attitude is one of the most important behaviors of managers in any company that affects decisions regarding consumption, saving and investing. Credit management on the other hand, is necessary in real estate organizations to ensure financial stability and business continuity. This study sought to examine the association between attitude to risk of credit managers and the efficiency of credit management in real estate investment trusts operating in Kenya. The study found out that 71.9% of credit managers are risk-averse while 28.1% are risk seekers. The study evidenced that risk seeking credit managers are associated with lower credit management efficiency. This result has implications for credit management practice; vetting of credit managers is essential because of their attitude to risk. This could improve the efficiency of credit management operations.

Attitude to Risk of Credit Managers and Efficiency of Credit Management in Real Estate Investment Trusts in Kenya