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Journal articles on the topic 'Lending Rate and Loans and Advances'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

Obagunwa, T. Busayo, and S.O. (PhD.) Akinwale. "Interest Rate Deregulation and Loans and Advances of Deposit Money Banks in Nigeria." International Journal of Business Management and Technology 2, no. 4 (2023): 94–100. https://doi.org/10.5281/zenodo.7648255.

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This study examined the effect of interest rate deregulation on Nigerian banking system. The study adopted Augmented Dickey – Fuller (ADF), Bound test and Autoregressive Distributed Lag (ARDL). The correlation result indicated that of the correlation matrix that all the explanatory variables (interest rate, lending rate and deposit rate) had effect on loan and advances. The results of the unit root test revealed that interest rate and lending rate were stationary at level 1(0) while loan and advances and deposit rate were stationary at first difference 1(1). Also the results of the bound

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2

Pandeya, Ganga Kumari. "Determinants of Lending Behavior in Nepalese Commercial Banks." Nepalese Journal of Finance 11, no. 4 (2024): 22–40. https://doi.org/10.3126/njf.v11i4.79767.

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The study examines the determinants of lending behavior in Nepalese commercial banks. Loans and advances and credit to deposit ratio are selected as the dependent variables. The selected independent variables are volume of deposit, bank size, liquidity ratio, lending interest rate, inflation rate and cash reserve ratio. The study is based on secondary data of 15 commercial banks in Nepal with 105 observations for the study period from 2015/16 to 2021/22. The data were collected from Banking and Financial Statistics published by Nepal Rastra Bank, publications, website of Nepal Rastra Bank (NRB

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3

Pradhan, Priya, Puja Jha, Puja Sah, and Ram Bahadur Magar. "Impact of Non-Performing Loans on Bank Profitability and Lending Behavior in Nepalese Commercial Banks." Nepalese Journal of Economics 8, no. 3 (2024): 71–90. https://doi.org/10.3126/nje.v8i3.79449.

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This study examines the impact of non-performing loans on bank profitability and lending behavior in Nepalese commercial banks. Return on assets and loan and advances are selected as the dependent variables. Similarly, capital adequacy ratio, credit to deposit ratio, non-performing loan, equity to total assets, bank size, gross domestic product growth and inflation rate are selected as the independent variables. This study is based on secondary data of 16 commercial banks with 112 observations for the study period from 2016/17 to 2022/23. The data were collected from Banking and Financial stat

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4

Stegman, Michael A. "Payday Lending." Journal of Economic Perspectives 21, no. 1 (2007): 169–90. http://dx.doi.org/10.1257/jep.21.1.169.

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A “payday loan” is a short-term loan made for seven to 30 days for a small amount. Fees charged on payday loans generally range from $15 to $30 on each $100 advanced. A typical example would be that in exchange for a $300 advance until the next payday, the borrower writes a post-dated check for $300 and receives $255 in cash—the lender taking a $45 fee off the top. The lender then holds on to the check until the following payday, before depositing it in its own account. When the fee for a short-term payday loan is translated into an annual percentage rate, the implied annual interest rate rang

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Yang, Ruyi. "Machine Learning-Based Loan Default Prediction in Peer-to-Peer Lending." Highlights in Science, Engineering and Technology 94 (April 26, 2024): 310–18. http://dx.doi.org/10.54097/qdjd8r65.

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The peer-to-peer (P2P) lending market has recently undergone significant growth, transforming traditional lending practices. However, this evolution brings with it unique challenges, particularly in managing credit risk and ensuring the reliability of loan approvals. Accurate prediction of loan defaults remains a pivotal aspect of risk management in this sector. This study introduces a comprehensive approach to improve bad loan prediction in peer-to-peer (P2P) lending, sourcing Lending Club data. In the face of challenges posed by imbalanced datasets and risk management in the loan industry, o

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6

Koskei, Loice, and Daniel Samoei. "Bank Lending Rates and Nonperforming Loans of Listed Commercial Banks in Kenya." Asian Journal of Economics, Business and Accounting 24, no. 3 (2024): 19–25. http://dx.doi.org/10.9734/ajeba/2024/v24i31236.

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The rise in non-performing loans in Kenyan commercial banks over the past ten years has created instability in the financial industry. Due to their impact on borrowers' ability to repay the loans, high-interest rates are a contributing factor to non-performing loans. The interest rate on loans has an implicit cost that is inherent to bank credit and has an impact on loan defaults. In this sense, a large percentage of non-performing loans (NPLs) in Kenya’s Commercial banks has continued to impede economic expansion due to high default rates experienced by many banks making them unable to advanc

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7

Efanga, Udeme, Ihemeje, J. C, Yamta H. A, and Birawada Keyadi. "Interest Rate Spread and the Efficacy of Commercial Banks’ Loans and Advances in Nigeria." Journal of Accounting and Finance in Emerging Economies 6, no. 3 (2020): 753–63. http://dx.doi.org/10.26710/jafee.v6i3.1179.

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Abstract: The main objective of this study is to analyze the impact of interest rate spread on the efficacy of commercial banks’ lending in Nigeria. Data were obtained from secondary sources; Central Bank of Nigeria Statistical bulletin of 2018 and International Monetary Fund, International Financial Statistics and data files. Unit root test on the time series data displayed a combination of 1(0) and 1(1) variables, the Autoregressive Distributed Lag (ARDL) Model was employed for data estimation. Several diagnostic tests such as auto-correlation test, Ramsey stability test, serial correlation

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DZHEDZHULA, Olena. "TRENDS OF HIGHER EDUCATION LENDING IN THE USA." "EСONOMY. FINANСES. MANAGEMENT: Topical issues of science and practical activity", no. 4 (44) (April 2019): 100–106. http://dx.doi.org/10.37128/2411-4413-2019-4-12.

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Lending to higher education in the world and in Ukraine is gaining in popularity. According to statistics, almost 60% of Ukrainian students study at a contract basis. The increase in tuition fees, the deterioration of the financial situation of families, and the desire of young people to obtain higher education creates contradictions, one of the ways to overcome credit education. In developed countries, mechanisms of educational lending have been developed that provide young people with the opportunity to acquire education. It should be noted that educational loans are effective in countries w

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A, H. M. Ziaul Haq, and S. M. Kamruzzaman A. "Bank-Specific and Macroeconomic Determinants of Non-Performing Loans of Commercial Banks in Bangladesh." Journal of Business Studies 13, no. 1 (2021): 23–45. https://doi.org/10.5281/zenodo.5760328.

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<em>Size of non-performing loans is a matter of concern and a threat to sustainable banking and macroeconomic development in Bangladesh.</em> <em>This study, therefore, explores the factors responsible for non-performing loans in commercial banks especially from bank specific and macroeconomic aspects in Bangladesh. The study has collected secondary data from 44 commercial banks operating in Bangladesh from 1997 to year 2019. The study has developed a linear multiple regression model to identify the significant factors responsible for non performing loans in the banking sector. The study resul

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Li, Baodong. "Online Loan Default Prediction Model Based on Deep Learning Neural Network." Computational Intelligence and Neuroscience 2022 (August 8, 2022): 1–9. http://dx.doi.org/10.1155/2022/4276253.

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With the rapid development of Internet loans and the demand for Internet loans, Internet-based loan default prediction is particularly important. P2P online lending is based on Internet technology. With the popularization of personal PCs and mobile terminals, the borrower’s financing cost has been reduced to a large extent, and the efficiency of the borrower’s capital utilization has also been improved to a considerable level. Making full use of the existing data of the online lending platform, integrating third-party data, and predicting the default behavior of users are the major directions

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11

Mburu, Irene Muthoni, Lucy Wamugo Mwangi, and Stephen M. A. Muathe. "Credit Management Practices and Loan Performance: Empirical Evidence from Commercial Banks in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 1 (2020): 51–63. http://dx.doi.org/10.35942/ijcfa.v2i1.105.

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Commercial banks in Kenya as per the World Bank report were recording higher non-performance in loans over the study period than the standard globally in spite of Kenya having the most stable and developed banking system in East and Central Africa region. Commercial banks non-performing loans for five years from 2015 to 2018 averaged eleven percent which was higher than the recommended rate of one percent. In Kenya, commercial banks’ non-performing loans remain higher than the recommended rate which could be due to inadequate credit management practices. The study therefore aimed at examining

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12

M. Etale, Lyndon, and Amaka, P. T. Bailey. "The Relationship between Bank Lending to Agricultural Sector and Agricultural Earnings in Nigeria." Sumerianz Journal of Economics and Finance, no. 41 (February 18, 2021): 25–34. http://dx.doi.org/10.47752/sjef.41.25.34.

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This study examined the relationship between bank lending to agricultural sector and agricultural earnings in Nigeria using secondary data obtained from various editions of the Central Bank of Nigeria Statistical Bulletins. Secondary data collected for the selected study variables covered ten years period from 2009 to 2018. The study adopted bank loans and advances to agriculture, interest rate, and inflation as independent variables, while agricultural earnings representing gross national agricultural output was used as dependent variable. The study employed descriptive statistics and multipl

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Bhattarai, Bishnu Prasad. "Determinants of Commercial Banks' Lending Behavior in Nepal." International Journal of Accounting & Finance Review 4, no. 1 (2019): 51–60. http://dx.doi.org/10.46281/ijafr.v4i1.338.

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The main objective of this study was to establish the determinants of lending operations among commercial banks in Nepal. Specifically, the study sought to explore the effect of bank specific characteristics and to identify external factors that determine commercial banks’ lending behavior in Nepal. Secondary panel data was used that covered a period of six years (2012/13-2017/18) of the major ten commercial banks to examine factors associated with lending behavior of in Nepal. From the estimation results, it was found that liquidity ratio, interest rate spread and exchange rate were significa

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B.P.Maya, Babu. "Impact of Demonetization on Bank Deposits and Advances of Scheduled Commercial Banks in India." Shanlax International Journal of Commerce 7, S1 (2019): 136–44. https://doi.org/10.5281/zenodo.3412540.

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After the Govt of India’s sudden and shocky announcement of demonetization, Indian financial system stood stagnant for a long period, especially banking system. Banks are core part of any economy. They channelize money for the smooth functioning of different sectors in India. The major function of every bank is accepting deposits and lending loans. Growth pattern of deposit and lending is one of the important factors which affect the profitability and risk management of bank. The unexpected demonetization decision of ruling government has greatly influenced on the accepting and lending f

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15

Maloba, Michelle, and Abdul Latif Alhassan. "Determinants of agri-lending in Kenya." Agricultural Finance Review 79, no. 5 (2019): 598–613. http://dx.doi.org/10.1108/afr-10-2018-0094.

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Purpose The purpose of this paper is to examine the factors that influence financial institutions’ lending to the agricultural sector in Kenya. Design/methodology/approach The paper employs a panel data of 15 licensed financial institutions (commercial banks and deposit-taking microfinance institutions) from 2011 to 2016. The random effects and ordinary least squares panel corrected standard errors estimation techniques are employed to estimate the effect of liquidity, size, equity, lending rate (LR), type of financial institution and non-performing loans on agri-lending. Findings The results

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Kurniasari, Florentina, and Prio Utomo. "DETERMINANTS OF EFFECTIVENESS REPAYMENT APPS AT P2P LENDING PLATFORM DURING COVID 19 PANDEMIC IN INDONESIA." Ultimaccounting : Jurnal Ilmu Akuntansi 13, no. 1 (2021): 156–72. http://dx.doi.org/10.31937/akuntansi.v13i1.2094.

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Abstract— The advance of technology development today brings an innovation in the financial industries all across the world, including in Indonesia. The financial technology continues to emerge from the sector of payment, investment and loans online or as we are familiar with the term P2P Lending platform. But, the growth of this business had a challenge when the Covid-19 Pandemic hit the country in the early 2020. The P2P lending platform experienced the first highest default rate due the difficulties of the SME’s as its major customers’ in repaying their loans. The purpose of this research i

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Sasmita, Helena Toshely, Suci Kamilah, Rina Irsni Wardodo, and Thody Daniel Satya Wira Wicaksana. "Analisis Faktor Perlindungan Konsumen Dalam Urgensi Pembentukan Undang-Undang Pinjaman Online (Peer To Peer Lending)." Media Iuris 5, no. 1 (2022): 39. http://dx.doi.org/10.20473/mi.v5i1.27733.

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AbstractFinancial Technology (Fintech) is currently developing in Indonesia. This is due to the development of increasingly advanced and sophisticated technology and the presence of fintech types of peer-to-peer lending that offer loans easily and quickly. The purpose of this study is to examine and analyze consumer protection factors in the urgency of establishing an online lending law (peer-to-peer lending). This type of research uses normative legal research methods, with a statutory approach and a conceptual approach. Various problems in the use of online loan services (fintech), including

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18

Grace Oyeyemi Ogundajo, Adegbemi Babatunde Onakoya, Enyi Patrick Enyi, and Tunji T. Siyanbola. "Financial Institutions’ Inter Mediation and Economic Development in Nigeria." Journal of Accounting and Finance in Emerging Economies 5, no. 1 (2019): 33–46. http://dx.doi.org/10.26710/jafee.v5i1.723.

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This paper examines the effect of intermediation capacity of the financial institutions on the Nigerian economic development (Real Gross Domestic Product (RGDP). It is a causal-effect relationship study which made use of macro data obtained from Central Bank of Nigeria (CBN) Statistical Bulletin from the period 1981-2016. The result of the Johansen co-integration test and ARDL bound test evidenced that there exist a long-run relationship between financial institutions’ activities and real GDP. ARDL regression model showed financial institution activities, particularly the loans to the private

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Adewole, J. A., F. D. Dare, and J. K. Ogunyemi. "Implications of Financial Intermediation on The Performance of Commercial Banks in Nigeria: 2000-2017." Financial Markets, Institutions and Risks 3, no. 4 (2019): 94–105. http://dx.doi.org/10.21272/fmir.3(4).94-105.2019.

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The paper examined the arguments and counterarguments within the scientific discussion on Financial Intermediation and the performance of Commercial banks in Nigeria. Despite a series of reforms and restructuring aimed at enhancing the bank’s ability to provide services effectively, establish branch networks and finance the real sector, there is still insufficient domestic credit to commercial real-estate banks, affecting the success of financial intermediation in the Nigerian commercial banking sector. The main purpose of this study is to examine the impact of financial intermediation on the

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Wambari, Kihara Duke, and Dr Mirie Mwangi. "EFFECT OF INTEREST RATES ON THE FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KENYA." International Journal of Finance and Accounting 2, no. 1 (2017): 19. http://dx.doi.org/10.47604/ijfa.243.

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Purpose: The purpose of this study was to analyse effect of interest rates on the financial performance of commercial banks in Kenya.Methodology:The study adopted anexplanatory research design. This study adopted a census research design; of all the 43 commercial banks in Kenya.The study also used secondary data.Multiple linear regression model was used to analyze the data using statistical package for the social sciences (SPSS) version 20.Results:The study established that lending rate ratio influence the financial performance of commercial banks in a positive way. Deposit interest ratio on t

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Otitoju, M. A., Onwuaroh, A. S., Nwandu, P. I., and Chianu, P. C. "FACTORS AFFECTING AGRIBUSINESS SUCCESS AMONG THE PARTICIPANTS IN INTERNATIONAL INSTITUTE OF TROPICAL AGRICULTURE YOUTH AGRIBUSINESS PROGRAMME IN NIGERIA." Journal of Agripreneurship and Sustainable Development 4, no. 1 (2021): 171–79. http://dx.doi.org/10.59331/jasd.v4i1.194.

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The study examined the factors affecting agribusiness success among participants of International Institute of Tropical Agriculture (IITA) youth agribusiness programme in Nigeria. For the purpose of this research, non-probability sampling technique (Convenience) was adopted and the entire population of 117 was given the questionnaire but 110 respondents responded adequately. The study concludes that the following are the major factors (constraints) affecting the participants of IYA programme: lack of adequate storage facilities, lack of adequate processing facilities, lack of adequate governme

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EFUNTADE, Olubunmi Omotayo, and Alani Olusegun EFUNTADE. "Xraying Economic and Financial Theories of Distribution of Banks’ Credits and Profitability of Banks." WORLD JOURNAL OF FINANCE AND INVESTMENT RESEARCH 7, no. 1 (2023): 28–48. http://dx.doi.org/10.56201/wjfir.v7.no2.2023.pg28.48.

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The paper reviewed Theoretical framework, neo-classical economics and modern finance theory: Commercial Loan Theory, Credit Risk Theory, Theory of Bank-Based Financial System, Debt intermediary hypothesis, Preference-Adverse Selection Theory, Financial Intermediation Theory, Supply leading theory, Loan Pricing Theory, Shiftability Theory Of Liquidity, Agency Theory, Theories of Economic Growth, Harrod–Domar Model, Solow–Swan Model, Theories of liquidity management, Liability/Liquidity Management Theory, Liquidity Preference Theory, theories of profitability, Profit Maximization Theory, Clark T

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Budotela, George, Goodluck Mmari, and Nathaniel Towo. "Board Composition and Non-Performing Loans among Commercial Banks in Tanzania." Journal of Accounting Research, Organization and Economics 6, no. 1 (2023): 1–18. http://dx.doi.org/10.24815/jaroe.v6i1.31822.

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Objective – This paper investigates the effect of board composition on non-performing loans (NPLs) for a sample of 31 commercial banks in Tanzania.Design/methodology – A quantitative study methodology was employed using annual data covering the period of 2011-2020. The authors used a one-step generalised method of moments (GMM) approach to estimate the effect of board composition on the percentage growth of NPLs in Tanzania.Results – The paper concludes that the number of board members with financial expertise, the board size, the audit committee, and the presence of female directors significa

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Lafta, Naseer Sabbar. "Recovery of Damage For Lost Profits In Bank Deposit." Akkad Journal Of Law And Public Policy 1, no. 1 (2021): 32–43. http://dx.doi.org/10.55202/ajlpp.v1i1.65.

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Iraq's banking system is different in that it includes nationalized banks, private banks, foreign banks, Islamic banks, particular development banks, and cooperative banks. Currently, the size of loan defaults in the banking industry is enormous. However, the popular view is that loans and advances have a higher recovery rate. This article aims to explore the problems governing banking operations in Iraq and summarize the provisions of Iraqi legislation relating to the recovery of bank profit losses. According to the study given in this example, lending practices with Iraqi banking instruments

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Odhiambo, Felix Ouma, and Fredrick Ndede. "Credit Information Sharing Practices and Financial Performance of Commercial Banks in Kenya." International Journal of Current Aspects 3, no. VI (2019): 67–82. http://dx.doi.org/10.35942/ijcab.v3ivi.79.

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The banking sector in Kenya suffered increased non-performing credits which prompted collapse of certain banks with an upsurge of loan defaulters. This was mainly attributed to the continued information asymmetry in the industry because of absence of a credit data sharing component. Commercial banks in Kenya have continued to encounter a number of challenges in obtaining information on customers’ payment history that helps guide on determining their ability to access and re-pay loan advancements. This has made more commercial banks to subscribe to credit reference bureaus since its establishme

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Miriti, M’Muruku Salesio, Gathungu Geofrey Kingori, and Rael Nkatha Mwirigi. "Effect of Borrower's Socio-Economic Profile on Agribusiness Loans Default Rate in Agricultural Finance Corporation, Mount Kenya Region." Journal of Economics, Management and Trade 29, no. 8 (2023): 24–40. http://dx.doi.org/10.9734/jemt/2023/v29i81112.

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Background: Agribusiness loans advanced by Agricultural Finance Corporation (AFC) in Mount Kenya Region have high default rate of 20.33% which compares unfavourably with 10% benchmark for all types of loans in Kenya. This is a challenge, given the strategic importance of agribusiness credit in mainstreaming livelihoods to alleviate poverty by offering occupational and professional opportunities. This study aimed at analysing effect of borrower’s socio-economic profile on AFC loan default rate in agricultural finance corporation, Mount Kenya Region. Methods: According to AFC records Mount

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Trang, Nguyen Thi Thu, Nguyen Thuy Duong, and Pham Ngoc Binh. "The Impact of Asset-Liability Management on the Profitability of Listed Commercial Banks in Vietnam." International Journal of Economics and Financial Issues 14, no. 6 (2024): 369–78. http://dx.doi.org/10.32479/ijefi.17163.

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This paper investigates the effect of asset-liability management on the profitability of listed commercial banks in Vietnam, analyzing annual data from 2013 to 2023. The study uses VIF tests, Heteroskedasticity tests, Model Specification tests, and the Generalized Least Squares (GLS) model with the Modified Wald test to examine the data. The results reveal a positive correlation between bank asset management and annual GDP growth with profitability. Conversely, liability management and the year-on-year growth rate of total assets negatively impact profitability. Specifically, factors such as l

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Anandasubramanian Pranatharthy C. "A Novel Framework for Commercial Loan Pricing and Risk Assessment Using Systemic Time Elasticity, Temporal Liquidity Distortion, and Recursive Economic Resilience." Journal of Information Systems Engineering and Management 10, no. 40s (2025): 1120–37. https://doi.org/10.52783/jisem.v10i40s.7565.

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Traditional loan-pricing frameworks assume linear risk and stable markets and fail to capture shifts in borrower resilience during volatility. This study introduces three corrective models: • STEM forecasts the number of months until a borrower’s cash flow exceeds debt obligations using operational data and sector volatility, enabling lenders to preempt distress with timely term adjustments. • TLDM revalues loans hourly, adapting to shifts in borrower liquidity and market funding costs, ensuring that pricing reflects real-time market dynamics. • The RERF scores survival odds after repeated str

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Dhar, Satyajit, and Avijit Bakshi. "Determinants of loan losses of Indian Banks: a panel study." Journal of Asia Business Studies 9, no. 1 (2015): 17–32. http://dx.doi.org/10.1108/jabs-04-2012-0017.

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Purpose – The purpose of this paper is to examine the factors that influence the variability of loan losses (termed as non-performing advances or NPA in India) of Indian banks in the public sector during the period of five years from 2001 to 2005. Design/methodology/approach – The analysis is based on a panel approach, which considers both spatial and time dimensions of observations. Panel regression was used to explore the impact of different bank-specific factors on NPAs of 27 public sector banks (PSBs). Standard tests were used to find out suitability of different models of panel data analy

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Akkizidis, Ioannis. "Managing the Risks of Negative Interest Rates." Risk Management Magazine 16, no. 3 (2021): 4–8. http://dx.doi.org/10.47473/2020rmm0094.

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The acceleration in the issuance of government debt since the global financial crisis has led central bankers to engineer interest rates that are historically low in nominal terms and consistently lower than inflation rates. Although the ostensible aim of this policy is to stimulate economic growth, maintaining negative real rates also goes a long way so that government debt is manageable and will decline in the long run, relative to the size of the economy. Financial institutions hold the great majority of government debt, and their books of retail and corporate loans are expanding briskly at

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OUERGHI, Feryel, and Oussemma HAMMAMI. "IMPACT OF MONETARY AND MACROPRUDENTIAL POLICIES ON FINANCIAL STABILITY." INDIAN JOURNAL OF APPLIED ECONOMICS AND BUSINESS 4, no. 2 (2022): 179–99. http://dx.doi.org/10.47509/ijaeb.2022.v04i02.03.

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The objective of this paper is to study the impact of different instruments of monetary and macroprudential policy on financial stability, using a sample of 48 countries, over the period 2000-2016. Based on the recent survey conducted by the IMF in 2016, we extend the database created by Cerutti, et al. (2015), considering macroprudential instruments through a binary approach. The results show the effectiveness of both monetary and macroprudential policies in reducing credit growth and so, in stabilizing financial system. However, macro-prudential regulation is more effective than monetary pol

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Sahibzada, Shamim A., and Mir Annice Mahmood. "Social Rates of Return in Pakistan's Large-scale Manufacturing Sector." Pakistan Development Review 25, no. 4 (1986): 891–906. http://dx.doi.org/10.30541/v25i4pp.891-906.

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The paper attempts to estimate social rates of return in Pakistan's large-scale manufacturing sector. As cut-off rates, they can help in the selection of public and private sector projects and can also be used as' estimates of the Accounting Rate of Interest (ARI) which can then be used as test discount rates in the economic analysis of projects. In the context of Pakistan, our study makes an important contribution in that whereas the discount rates hitherto used in the country for an economic appraisal of projects have all been determined arbitrarily,1 we, in this study provide first ever rat

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Dr., Sonia Kaushik. "Arthavaan Volume 5." Arthavaan 5, Special Issue (2022): 37–50. https://doi.org/10.5281/zenodo.8369144.

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Banking is the backbone of economic development in India. The growth of banking is the most reliable source of self-sufficiency. The private banks and foreign banks enhances the dependency on promoters and foreign country respectively but public sector banks are the most dependable as far as self-sufficiency is concerned. Unlike the other two types, PSBs have dual objective ofprofitability and maintaining liquidity. Also, PSBs are the main source of priority sector lending in India. PSBs accept savings from household sector and channelise these deposits into loans and

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Budhathoki, Prem Bahadur, Shiva Raj Ghimire, Kul Prasad Pandey, and Janga Bahadur Hamal. "Determinants of Bank Lending in Nepal: The Role of Regulatory, Macroeconomic, and Internal Factors." PYC Nepal Journal of Management 17, no. 1 (2024): 20–38. https://doi.org/10.3126/pycnjm.v17i1.76796.

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This study examines how the rule of law, regulatory quality, internal factors, and macroeconomic factors affect bank lending. Arellano-Bond and Blundell-Bond estimators are used in this study to analyze how predictor variables affect response variable. The study utilizes balanced panel data from 220 observations from twenty Nepalese commercial banks for the period from 2012 to 2022. The findings reveal that the lagged value of loans and advances positively and significantly impacts the loans and advances of the current year. Similarly, bank concentration, capital adequacy, and liquidity positi

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KOVTUNENKO, Kseniia, Kateryna LYKHASHCHENKO, and Oleksandr BIELOBROV. "Foreign currency services of advanced banks of Ukraine for seamen." Economics. Finances. Law, no. 12/1 (December 29, 2020): 14–18. http://dx.doi.org/10.37634/efp.2020.12(1).3.

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The paper is devoted to the analysis of currency services of the leading banks of Ukraine for seafarers. The authors analyzed currency transfers of various banks in Ukraine, banks that provide services to seafarers, banks that cooperate with crewing companies. Terms of currency transfers from and to Ukraine and abroad, conditions of receiving foreign currency funds in accordance with the legislation of Ukraine. Conditions for opening dollar and euro accounts in Ukrainian banks, opening card accounts, restrictions on withdrawing currency from Ukrainian accounts. Bank power of attorney is free o

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Zaid, Mohammed, and Mohammed Farooque Khan. "Non-Performing Loans Effects on Profitability and Lending Behavior of Commercial Banks: Evidence from Yemeni Commercial Banks Sector." Studies in Economics and Business Relations 3, no. 2 (2023): 28–35. http://dx.doi.org/10.48185/sebr.v3i2.737.

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This study aimed to examine the effects of non-performing loans on the profitability and lending behavior of commercial banks in Yemen. The study used a descriptive-analytical approach. The data of the study were obtained from the annual financial reports (2010 -2018) of 6 commercial banks operating in Yemen. A panel data model was used in this study. The independent variable of the study was non-performing loans as measured by non-performing loans to total loans and advances ratio (NPLS) while the dependent variables of the study were profitability (ROA and ROE) and lending behavior as measur

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IHTESHAM KHAN, ROOHUL AMIN, SHAH RAZA KHAN, and MUHAMMAD ILYAS. "The Relationship between Lending Rate and Nonperforming Loans in Commercial Banks: Evidence from Pakistan (2008-2014)." Journal of Business & Tourism 1, no. 2 (2021): 89–104. http://dx.doi.org/10.34260/jbt.v1i2.19.

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The objective of the study was to examine the relationship between lending rate and nonperforming loans in commercial banks of Pakistan. The study collects data on bank size and nonperforming loans from the annual reports of commercial banks and lending rates data was collected from the state bank of Pakistan statistical bulletins for the period of 2008-2014 and the data was analyzed through SPSS to examine the relationship between lending rate and nonperforming loans. The study used correlation and regression methods. The study found a significant positive relationship between lending rate an

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Ayomide, Isayinka Isaac, Asemota Franklin Famous, and Abiola Babajide. "ASSESSING CREDIT RISK AND LENDING PATTERNS IN THE NIGERIAN BANKING SECTOR." Journal of Southwest Jiaotong University 57, no. 6 (2022): 155–66. http://dx.doi.org/10.35741/issn.0258-2724.57.6.14.

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This article aimed to assess credit risk and lending patterns in the Nigerian banking sector. It collected secondary data in yearly time series from 2007 to 2020 to analyze nonperforming loans, liquid reserves to asset ratio, capital-to-asset ratio, domestic credit, and exchange rate and their effects on the Nigerian lending rate. The constructed and analyzed model was estimated via the least square technique to achieve its goals. The findings of this research reveal a beneficiary influence of nonperforming loans, capital-to-asset ratio, and the exchange rate on the bank lending rate. While li

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Wu, Wen-Chieh, Chin-Oh Chang, and Zekiye Selvili. "International Real Estate Review." International Real Estate Review 6, no. 1 (2003): 43–62. http://dx.doi.org/10.53383/100045.

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This paper examines the link between nonperforming loans, real estate prices, and the banking system. We found that the level of nonperforming loans affects bank profitability as well as the price performance of real estate markets. We also analyzed the factors that cause the ratio of nonperforming loans to total loans to fluctuate. We observed that a higher ratio of corporateloans to individual loans results in a lower percentage of nonperforming loans. In contrast, a lower real estate lending rate relative to the primary lending rate leads to a higher percentage of nonperforming loans. These

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Liu, Ming-Hua, Dimitris Margaritis, and Zhuo Qiao. "The Global Financial Crisis and Retail Interest Rate Pass-Through in Australia." Review of Pacific Basin Financial Markets and Policies 19, no. 04 (2016): 1650026. http://dx.doi.org/10.1142/s0219091516500260.

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In this paper, we examine the impact of the global financial crisis (GFC) on the interest rate pass-through for four types of loans in Australia: mortgages, residentially secured small business lending, nonsecured small business lending and personal loans. Australia is an interesting case study since its central bank lowered but also raised interest rates during the GFC. We find that after the onset of the crisis, there has been a shift in the way banks adjust their lending rates in response to changes in market interest rates; the markup has increased and there has been a drop in both short-

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Kaneva, Aglika. "Analysis of the gross loans and advances of the banks in Bulgaria and the European Union (2007-2017)." Economic Thought journal 64, no. 2 (2019): 90–104. http://dx.doi.org/10.56497/etj1964204.

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The dynamics of the gross loans and advances of banks in Bulgaria has been examined in the 2007-2017 period. A comparative study has been made of the dynamics of the gross loans and advances of the banks in Bulgaria and the other EU member states. The major trends of bank lending in our country and the European Union have been enumerated.

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Mohamed Noor Hussein and Chrispin Motanya Nyakieni. "Unlocking credit access: A panel and SHAP analysis of SBA 504 lending across U.S counties (2010-2023)." World Journal of Advanced Engineering Technology and Sciences 15, no. 2 (2025): 1982–91. https://doi.org/10.30574/wjaets.2025.15.2.0731.

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The U.S. Small Business Administration (SBA) 504 loan program develops economic growth and employment opportunities by extending long-term fixed-rate financing to acquire significant fixed assets for small businesses. The research studies how SBA 504 lending practices relate to important economic factors at the county level across the United States from 2010 to 2023. We combine publicly accessible SBA 504 loan information with American Community Survey (ACS) statistics about total population and median household income and poverty rate to derive four lending intensity measures at the county sc

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Tetiana, Kvasha. "Potential GDP and its factors assessment." Technology audit and production reserves 6, no. 4(62) (2021): 40–45. https://doi.org/10.15587/2706-5448.2021.245593.

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The object of the study is the reserves of economic growth in the country on the example of Ukraine. One of the problems of such studies is the calculation of potential GDP, which is not observed, but is calculated on the basis of various methods. Also problematic is the choice of method/methods of calculating potential GDP and potential values of its factors. Any estimate of the potential value of a variable is based on one or more statistical relationships and therefore contains an element of uncertainty. In order to reduce uncertainty, 2 methods were used to determine the potential values o

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Avgeri, Evangelia, Maria Psillaki, and Evanthia Zervoudi. "Peer-to-Peer Lending as a Determinant of Federal Housing Administration-Insured Mortgages to Meet Sustainable Development Goals." Sustainability 15, no. 18 (2023): 13618. http://dx.doi.org/10.3390/su151813618.

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In this paper, we investigate the influential factors of Federal Housing Administration (FHA) mortgage loans, focusing our research interest on peer-to-peer (P2P) lending, the most successful FinTech lending model. We consider P2P lending an alternative source of financing that marginal borrowers use to pay the increased mortgage down payment, making them eligible to receive a mortgage from conventional banks. In other words, we examine whether and to what extent P2P lending has a positive impact on the FHA loans volume by providing the ability to circumvent the loan-to-value (LTV) cap policy.

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Vallelado, Eleuterio, and Javier Villar Burke. "Monetary transmission and bank lending: is the single monetary policy homogenous across euro area countries?" UCJC Business and Society Review (formerly known as Universia Business Review) 16, no. 1 (2019): 18–37. https://doi.org/10.3232/ubr.2019.v16.n1.01.

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We postulate that bank lending is affected by ECB policy via new loans and via the stock of existing loans. In this context, this paper documents a wide diversity in borrowers’ features, loan features and price developments across euro area Member States that produces heterogeneous impacts in bank lending. Thus, countries with higher (lower) inflation, higher (lower) stock of loans longer (shorter) maturities, and higher (lower) proportion of adjustable rate loans are affected more (less) when ECB changes its policy rate. The significant differences in these factors across euro area Member Sta

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Keliuotytė-Staniulėnienė, Greta, and Monika Kukarėnaitė. "Financial Innovation Management: Loan Price in the Crowdfunding and Peer-To-Peer Lending Platforms." Marketing and Management of Innovations, no. 2 (2020): 256–74. http://dx.doi.org/10.21272/mmi.2020.2-19.

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As an alternative to traditional bank financing, companies (especially small and medium-sized) can opt for loans from innovative financial facilities: peer-to-peer lending and crowdfunding platforms. When using these alternative financing opportunities, it is very important to identify the main factors of the business loan interest rate and properly assess the overall cost of borrowing. This paper summarizes the scientific discussion on the issue of innovative business funding sources and one of the most important ratios referred to reasonably compare the price of financing sources and the rel

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IYO Ipeghan, Dr, Dr EKPETE Marshall Simon, and EKPETE Kinsley Simon. "Auto-Regressive Distributed Lag Approach of Financial Intermediation of Commercial Banks and Risk in Nigeria." Sumerianz Journal of Economics and Finance, no. 312 (December 16, 2020): 246–64. http://dx.doi.org/10.47752/sjef.312.246.264.

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This study empirically examines the relationship between financial intermediation of commercial banks and risk in Nigeria spanning from 2007-2019 and utilizing the auto-regressive distributed lag (ARDL) approach to co-integration and Granger causality analysis. The result of the ARDL bounds test reveals a stable long run relationship between the dependent and independent variables with greater bound value of 16.02. The ARDL results also reveal the presence of short and long run positive and significant relationship between loans and advances and risk factors. The finding of the Granger causali

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Dwipayana, Dimas Pramodya. "LEGAL PROTECTION FOR DEBTORS OF ONLINE LOANS." Legal Standing : Jurnal Ilmu Hukum 4, no. 1 (2020): 46. http://dx.doi.org/10.24269/ls.v4i1.2590.

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Business concepts has experienced change from conventional (offline) to that which is digital (online) to win the market. This includes businesses in the financial technology (FinTech). This research aims to analyze the quality of loans in Indonesia FinTech-Peer to Peer (P2P) Lending. The objects of this research are seventy-two companies which establish FinTech-P2P lending. The tool used in this research is the analysis of the loan quality and the data trend from January until October 2018. Results of this research show that borrower and lender accounts have increased by 10,8 times, and it ha

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Nurjanah, Rahma, and Nurul Arida. "Analisis pengaruh tingkat suku bunga, kredit macet dan capital adequacy ratio (CAR) terhadap penyaluran kredit modal kerja Bank Umum di Indonesia." Jurnal Paradigma Ekonomika 16, no. 3 (2021): 437–50. http://dx.doi.org/10.22437/jpe.v16i3.14190.

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This study aims to determine and analyze interest rates on credit, bad credit, CAR, and lending to commercial banks in Indonesia. In addition, it is also to study the effect of lending rates, bad credit, and CAR on commercial bank lending in Indonesia in 2010-2018. The analytical method used in this research is descriptive quantitative. This study uses multiple linear regression analysis tools. The results of this study indicate that the interest rate, bad credit, and CAR variables simultaneously influence lending. Partially the interest rate variable has a negative and significant effect on l

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Chance, Joseph E. "Graduated Rate Loans and Truth-in-Lending." School Science and Mathematics 87, no. 4 (1987): 323–27. http://dx.doi.org/10.1111/j.1949-8594.1987.tb11714.x.

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