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Journal articles on the topic 'Provision of bank loans'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Iskandar, Deni, Rudolf Lumbantobing, and Tommy Wahyudi Budianto. "Non-Performing Loans’ Impacts on the Banking Industries’ Loan Loss Provisions." International Dialogues on Education Journal 9, no. 1 (2022): 130–50. http://dx.doi.org/10.53308/ide.v9i1.281.

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Non-performing loans can impact the loan loss provisions of the banking industry. The sample of this research was collected from three banks: PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Mandiri (Persero) Tbk, for the period of 2013-2018. There were 72 data, 24 from each of the banks. The analysis was carried out using multiple linear regression and Sobel path analyses. The results showed that Capital Adequacy Ratio had a significant positive effect on Non-Performing Loans. Interest rates did not significantly affect Non-Performing Loans. Non-Perf

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Bist, Roshani. "Comparative Analysis of Credit Risk Management Practices: A Study of Domestic and Joint Venture Commercial Banks in Nepal." Apex Journal of Business and Management 2, no. 1 (2024): 21–34. http://dx.doi.org/10.61274/apxc.2024.v02i01.003.

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The capital adequacy ratio, credit to deposit ratio, bank size, leverage ratio, loan loss provision, and non-performing loans were assessed for determining the relationships within domestic and joint venture commercial banks in Nepal. Using secondary data from 10 commercial banks spanning 2006/09 to 2019/20, totaling 140 observations, the study employs descriptive and regression analyses. Data sources include NRB's Banking and Financial Statistics, annual supervision reports, and selected banks' annual reports. HBL has the highest average non-performing loan (2.56%), while NIC Asia has the low

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Bist, R. "Comparative Analysis of Credit Risk Management Practices: A Study of Domestic and Joint Venture Commercial Banks in Nepal." Apex Journal of Business and Management (AJBM) 2, no. 1 (2024): 21–34. https://doi.org/10.5281/zenodo.10896387.

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The capital adequacy ratio, credit to deposit ratio, bank size, leverage ratio, loan loss provision, and non-performing loans were assessed for determining the relationships within domestic and joint venture commercial banks in Nepal. Using secondary data from 10 commercial banks spanning 2006/09 to 2019/20, totaling 140 observations, the study employs descriptive and regression analyses. Data sources include NRB's Banking and Financial Statistics, annual supervision reports, and selected banks' annual reports. HBL has the highest average non-performing loan (2.56%), while NIC Asia has the low

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4

R, C., Ike, and Anuolam M. O. "Risk Management and Sustainability of Deposit Money Banks in Nigeria." International Journal of Research and Innovation in Social Science VII, no. V (2023): 352–62. http://dx.doi.org/10.47772/ijriss.2023.70530.

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This study investigated the nexus between risk management and the sustainability of banks in Nigeria by means of expost-facto research design. Risk management measures of non-performing loan-to-total loans, loan-loss provision-to-total loans and bad debt-to-total loans and sustainability measure of equity-to-asset ratio of banks were obtained from the annual reports and accounts of banks and Central Bank of Nigerian statistical bulletin during the period 2007-2017. The data obtained were analyzed using both descriptive (mean, standard deviation, minimum, maximum values, normality and correlati

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Gurung, Rajesh, Binod Ghimire, and Pramod Dahal. "Exploring the Impact of Loan Loss Provision on Profitability: An Analysis of Commercial Banks in Nepal." Journal of Business and Management 7, no. 02 (2023): 61–75. http://dx.doi.org/10.3126/jbm.v7i02.62587.

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Background: The central bank closely examines the loan loss provision maintained by Nepalese commercial banks in order to minimize potential losses resulting from a rise in non-performing loans, which reduces bank capital and squeezes the profitability and sustainability of banks. Establishing the relationship between loan loss provision and profitability is crucial in assessing the financial performance and risk management effectiveness of commercial banks. This analysis enables banks to minimize loan loss provisions, reinforcing profitability and ensuring long-term sustainability through the

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Nguyen, Dung Thi Thuy. "Factors Affecting Loan Loss Provisions during the Covid-19 Pandemic – The Case of Commercial Banks in Vietnam." European Journal of Business and Management Research 7, no. 3 (2022): 91–95. http://dx.doi.org/10.24018/ejbmr.2022.7.3.1421.

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Credit is considered a crucial activity of commercial banks; it accounts for the most significant proportion of the bank's total assets and is also an activity that carries great risks. The study uses OLS, FEM, REM, and FGLS to assess the factors affecting loan loss provisions (LLPs) of 20 Vietnamese commercial banks during the Covid-19 pandemic from Q1/2020 to Q4/2021. The result of the model is based on FGLS to overcome the phenomenon of heteroscedasticity after using estimation by OLS, FEM, REM, showing that the factors affecting LLP of Vietnamese commercial banks during the Covid pandemic

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ODEBODE, OLUMIDE KELVIN, ISHIORO, BERNHARD OZOFERE (PhD.- Supervisor 1), and EZI, CHUKWUGOZIEM TOM (PhD. – Supervisor 2). "EFFECTS OF NON-PERFORMING LOANS ON RETURN ON ASSETS OF SELECTED COMMERCIAL BANKS IN NIGERIA." International Journal of Advanced Economics 6, no. 2 (2024): 12–25. http://dx.doi.org/10.51594/ijae.v6i2.768.

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The essence of creating Commercial banks is to act as intermediary between the surplus (supply side) and deficit (demand side) units of funds. This is, in addition to other crucial objectives of profitability, growth in assets, and growth in customer base. To achieve these objectives, commercial banks grant loans to individuals, business organizations and governments among other profit yielding ventures. Loan defaults could be rampant resulting from low quality of assets, high non-performing risk assets (credit risk) that may result in huge loan losses, and reduction in bank profitability lead

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Ozili, Peterson K. "Bank loan loss provisions, investor protection and the macroeconomy." International Journal of Emerging Markets 13, no. 1 (2018): 45–65. http://dx.doi.org/10.1108/ijoem-12-2016-0327.

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Purpose The purpose of this paper is to investigate the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. Design/methodology/approach The author uses static and dynamic regression estimation to test for the determinants of bank loan loss provisions. Findings The author finds that non-performing loans (NPL), loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. The author observes that bank provision is a positive f

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9

Nurwahjuni, Nurwahjuni, and Abd Shomad. "FOUR EYES PRINCIPLE DALAM PENGELOLAAN RISIKO KREDIT PADA BANK." Yuridika 31, no. 2 (2017): 273. http://dx.doi.org/10.20473/ydk.v31i2.4844.

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In order to implement the four eyes principle in the provision of bank credit there should be a separation of functions between the analysis, approval, and credit administration. The separation of functions is done in order to secure the credits begin the loan process until the credits were disbursed, even banks should separate settlement function of problem loans with a function that decides lending. This is done in order to avoid any conflict of interest between a bank and its clients' interests debtors. Due to the four eyes principle applied in lending may cause a credit crunch. Problem loa

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10

Misati, Roseline, and Anne Kamau. "Local and international dimensions of credit provision by commercial banks in Kenya." Banks and Bank Systems 12, no. 3 (2017): 87–99. http://dx.doi.org/10.21511/bbs.12(3).2017.07.

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Although considerable research has focused on the determinants of credit to the private sector, the issue still remains controversial, particularly with respect to the role of foreign banks in emerging markets. This study sought to understand the factors that affect lending of commercial bank loans both in form of foreign and local loans. It used panel data methods on quarterly bank-specific data covering the period from 2000 to 2013. In general, the results reveal that the ownership structure, housing variable and the size of the bank are the main determinants of aggregate commercial bank len

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Hasan, Rashedul, Mohammad Kabir Hassan, and Jiayuan Tian. "DO POLITICALLY CONNECTED BANKS PERFORM BETTER IN A DEMOCRATIC ENVIRONMENT?" Journal of Central Banking Law and Institutions 3, no. 2 (2024): 239–60. http://dx.doi.org/10.21098/jcli.v3i2.173.

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This paper elucidates the intricate relationship among bank performance, political connections, and the democratic environment. The existing body of evidence is notably limited in illustrating the impact of a democratic environment on bank performance. Our study examines a sample of 397 banks spanning 14 countries and districts, encompassing both politically affiliated and non-politically affiliated banks in both democratic and non-democratic settings. The empirical findings reveal a reduction in non-performing loans but an escalation in loan loss provision within a democratic environment. Thi

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Serwadda, Isah. "Impact of Credit Risk Management Systems on the Financial Performance of Commercial Banks in Uganda." Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 66, no. 6 (2018): 1627–35. http://dx.doi.org/10.11118/actaun201866061627.

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The paper is set to analyse the impact of credit risk management on the financial performance of commercial banks in Uganda for a period of 2006–2015 using panel data for a sample of 20 commercial banks. The study employs return on assets as a dependent variable and non‑performing loans, growth in interest earnings and loan loss provisions to total loans as credit risk measures. Secondary data is sourced from the Bank scope database, African development bank and the central bank of Uganda. The study employs descriptive statistics, regressions and correlation analysis. Regression models are to

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13

Anwar, Mokhamad, Sulaeman Rahman Nidar, Ratna Komara, and Layyinaturrobaniyah Layyinaturrobaniyah. "Rural bank efficiency and loans for micro and small businesses: evidence from West Java Indonesia." International Journal of Emerging Markets 15, no. 3 (2019): 587–610. http://dx.doi.org/10.1108/ijoem-11-2017-0494.

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Purpose The purpose of this paper is to examine the relationship between rural banks’ efficiency and their lending provision for micro and small businesses (MSBs) in West Java Indonesia. Rural banks are special banks that are generally located in the district and sub-district areas and they are very involved in providing loans to MSBs. Design/methodology/approach The study includes 212 rural banks in various districts in West Java province over the 2012–2016 period. Data envelopment analysis is employed to obtain banks’ technical efficiency and panel data analysis is used to reveal the impact

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14

Fariz Alfiknacio Abdat, Rika Maryani, Jerry Ananta Ginting, Henny Setyo Lestari, and Farah Margaretha. "Analisis Faktor Pertumbuhan Kredit Bank Komersil Di Indonesia." Jurnal Ekonomi 29, no. 2 (2024): 336–62. http://dx.doi.org/10.24912/je.v29i2.2351.

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This research analyzes the influence of Non-Performing Loans, Loan to Deposit Ratio, Loan Loss Provision, Equity Asset Ratio, Liquidity Ratio, Gross Domestic Product, Inflation, Interest Rate, Bank Capital, and Bank Size on Loan Growth Rate in banking companies listed on the Indonesia Stock Exchange (BEI) from 2019 to 2023. The method used is regression multiple panels with secondary data obtained through purposive sampling, covering 205 financial reports from 41 companies. The results of the analysis using Eviews 12 show that Non-Performing Loans, Loan to Deposit Ratio, Loan Loss Provision, E

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15

Karki, Dipendra, and Aarshiya Aryal. "Risk and Resilience: Examining the Role of Capital Adequacy and Credit Risk in Shaping the Performance of Nepalese Commercial Banks." Journal of Development and Administrative Studies 27, no. 1-2 (2019): 31–40. http://dx.doi.org/10.3126/jodas.v27i1-2.60573.

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The purpose of this study is to evaluate the effects of capital adequacy and credit risk management on the profitability of the Nepalese banking sector. The specific objectives include analyzing the trends of major performance indicators, evaluating the explanatory power of capital adequacy, examining the causal link between credit risks and bank performance, analyzing the relationship with liquidity, and exploring the opinions of bank staff on factors affecting performance. The results reveal that the return on equity (ROE) of commercial banks fluctuated between 6% and 43% during the study pe

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16

Ogunsola, Oluwatosin Adetutu. "Bank-specific factors and non-performing loans in the banking sector: Comparative analysis of the Canadian and United States banking sector." International Journal of Innovative Research and Scientific Studies 8, no. 3 (2025): 4545–55. https://doi.org/10.53894/ijirss.v8i3.7546.

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This study aims to examine the nexus between bank-specific factors and non-performing loans, comparing the level of activities managers undertake towards non-performing loans, using data from Canadian and United States banks. There has been a lack of comparative studies researching the effect of bank-specific factors on non-performing loans in Canada and the United States in a single study of lending behavior and the extent of manager efficiency in mitigating the issue of non-performing loans. Consequently, in bridging the gap in the literature and contributing to knowledge, this study examine

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17

Amir, Md Khaled Bin Amir, and Nayeema Nusrat Choudhury. "The impact of non-performing loans on bank lending behavior before and amid COVID-19 Pandemic." International Journal of Research in Business and Social Science (2147- 4478) 12, no. 3 (2023): 272–85. http://dx.doi.org/10.20525/ijrbs.v12i3.2489.

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The main objective of this study is to assess the impact of non-performing loans on bank lending behavior before and amid the COVID-19 pandemic. To do this research we have chosen fifteen private commercial banks in Bangladesh and data were taken from the year 2012 to the year 2021. Credit growth as a component of bank lending behavior was selected as the dependent variable and independent variables are non-performing loans to total loans, provision for loan losses to total loans, gross domestic product (GDP) rate, inflation rate, unemployment rate, total loans to total customer deposit, total

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18

Sultana, Afrin, and Talatu Jalloh. "Loan Loss Provisioning and Profitability of the Private Commercial Banks of Bangladesh." International Journal of Advanced Studies of Economics and Public Sector Management 13, no. 1 (2025): 88–98. https://doi.org/10.48028/iiprds/ijasepsm.v13.i1.07.

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Loan Loss Provisioning is a major regulatory requirement for banks to maintain the stability of financial performance. In Bangladesh, non- performing loans (NPLs), are considered as the biggest challenge of the banking sector. Thus, loan loss provisioning has been an obligatory as well as financial risk management tool for the banks. This study aims to find out the impact of loan loss provisioning on the banks' profitability measured in terms of ROA and ROE. The study covers twenty private commercial banks operating in Bangladesh. The study concentrated the bank specific variables such as bank

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Sultana, Afrin, and Talatu Jalloh. "Loan Loss Provisioning and Profitability of the Private Commercial Banks of Bangladesh." International Journal of Economics and Financial Issues 15, no. 2 (2025): 39–45. https://doi.org/10.32479/ijefi.17439.

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Loan Loss Provisioning is a major regulatory requirement for banks to maintain the stability of financial performance. In Bangladesh, non-performing loans (NPLs), are considered as the biggest challenge of the banking sector. Thus, loan loss provisioning has been an obligatory as well as financial risk management tool for the banks. This study aims to find out the impact of loan loss provisioning on the banks’ profitability measured in terms of ROA and ROE. The study covers twenty private commercial banks operating in Bangladesh. The study concentrated the bank specific variables such as bank

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20

My, Sang Tang, and Anh Nguyen Quoc. "The Relationship between Credit Risk and Bank Financial Stability: The Mediating Role of Bank Profitability." Journal of Hunan University Natural Sciences 49, no. 1 (2022): 263–71. http://dx.doi.org/10.55463/issn.1674-2974.49.1.32.

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This study aims to investigate the influence of credit risk on bank financial stability of Vietnamese commercial banks, understanding the impact channels and patterns of Vietnamese commercial banks in particular by proposing implications for solutions to reduce credit risks and promote financial stability for banks. We employed the POOL, FEM, REM, GMM techniques, and Monte Carlo approach and used secondary data collected from 2005 to 2019. The findings reveal a direct relationship between bank credit risk, profitability, and bank financial stability, as well as a partly indirect association. T

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Okeke Ijeoma Chinwe. "Effect of Credit Management on the Profitability of Deposit Money Banks in Nigeria." International Journal of Latest Technology in Engineering Management & Applied Science 14, no. 4 (2025): 73–80. https://doi.org/10.51583/ijltemas.2025.140400009.

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Abstract: This study examines how credit management influences the profitability of deposit money banks in Nigeria. The research is anchored on four specific objectives: (1) To analyze the effect of non-performing loans on bank profitability, ( 2) To examine the effect of loan loss provisions on the profitability of deposit money banks, (3) To assess how loans and advances influence bank profitability, and (4) To determine the effect of interest rates on bank profitability. Employing anex post facto research design, the study utilizes secondary data spanning from 2002 to 2023. The analysis emp

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Ameur, Imane. "Non-Performing Loans and Banking Profitability." Financial Sciences 29, no. 1 (2024): 1–12. https://doi.org/10.15611/fins.2024.1.01.

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Aim: This article aimed to determine the effect of macroeconomic and specific variables on the ratio of non-performing loans, and study the recursive direction of bank profitability to NPLs in Tunisian banks. Methodology: To formalise this phenomenon, the author proposed a panel data model that covers a sample of ten listed Tunisian banks over a period from 2007 to 2015. Findings: The empirical results indicate the determining power of bank profitability measured by asset profitability, solvency ratio, credit growth rate, provision-based debt coverage rate, bank size, inflation and unemploymen

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Carki, Carki, Jawade Hafidz, and Nanang Sri Darmadi. "The Provision of Unsecured Micro Business Loans at Bank BKC Susukan Branch Office of Cirebon Regency." Sultan Agung Notary Law Review 4, no. 3 (2022): 822. http://dx.doi.org/10.30659/sanlar.4.3.822-831.

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Micro Business Credit is financing for Micro, Small, Medium Enterprises (MSMEs) in the form of providing working capital supported by guarantee facilities for productive businesses. Bank BKC Susukan Branch of Cirebon Regency is a Regional Rural Bank in addition to conventional commercial banks such as BNI, BTN, Bank Mandiri, Bukopin, Mandiri Syariah Bank which is trusted by the government to distribute business loans. The phenomenon that occurs, through this Micro Business Credit, the borrower does not need to provide collateral to the bank because this credit is a loan without collateral and

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NAPITUPULU, LUCY MARGARETH. "ANALISIS YURIDIS SUBROGASI DENGAN PENGALIHAN KREDIT YANG TERIKAT HAK TANGGUNGAN PADA PT. BANK RAKYAT INDONESIA (PERSERO) TBK. CABANG KABANJAHE." Ilmu Hukum Prima (IHP) 4, no. 1 (2021): 119–39. http://dx.doi.org/10.34012/jihap.v4i1.1635.

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All business sectors or individuals today and in the future cannot be separated from banking sector. In order to balance and harmonize this need, the role of bank is to provide loan fund through loan. Kabanjahe Branch Office of BRI, in providing loans, makes efforts and competes to create innovations to their products as their strategies to get prime consumer debtor candidate including debtors who performs loan takeover. Loan takeover that is bound with mortgage right in Kabanjahe Branch Office of BRI is the provision of new loans to consumer debtor, which aims to pay consumer debtor’s ongoing

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N. Ngcobo, Raphael. "Credit provision by banks: a case study analysis of small businesses in South Africa." Banks and Bank Systems 12, no. 4 (2017): 65–74. http://dx.doi.org/10.21511/bbs.12(4).2017.06.

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Small business sector is considered as an important economic driver by many countries. In South Africa, small business sector has been acknowledged as the driving force to boost the economic growth and an important source of job creation. This article aims at identifying factors that are a challenge in obtaining bank finance by small businesses in South Africa.Primary data for this study involved a survey questionnaire directed to owners of small businesses operating in Ekurhuleni Metropolitan area, Gauteng, South Africa. Factors that were deemed to influence bank loan decision were examined.

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Parid, Parid, and Try Widiyono. "Risks In Provision Of Collateral Free Individual Loans: A Case Study Of Bank Rakyat Indonesia." International Journal of Educational Research & Social Sciences 4, no. 4 (2023): 664–69. http://dx.doi.org/10.51601/ijersc.v4i4.689.

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Collateral Free Loans is a bank loan product offered by banks as lenders with the advantage that customers as prospective borrowers are not asked to provide collateral or guarantees in the form of any assets as a condition for being able to borrow money. The advantage of this loan is that someone can apply for credit without guaranteeing their goods. However, the absence of collateral in granting credit sometimes creates problems for the parties, especially the bank as the lender. This study aims to answer the question of how the risk is in providing individual loan without collateral carried

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Ogunwale, Olurotimi, and Isibor Areghan. "Impact of Credit Risk Management on the Performance of Nigerian Deposit Money Banks: An Analysis from 2010 to 2020." Asian Journal of Advanced Research and Reports 18, no. 10 (2024): 28–41. http://dx.doi.org/10.9734/ajarr/2024/v18i10752.

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This study examined the impact of credit risk management on the financial performance of Nigerian deposit money banks over a 10-year period from 2010 to 2020. Understanding the relationship between credit risk management and bank performance is crucial for the stability and growth of the Nigerian banking sector. The Five deposit money banks used were First Bank Plc, Zenith Bank Plc, Access Bank Plc, Guarantee Trust Bank Plc, with United Bank of Africa (UBA) Plc. Equity returns measured bank performance while credit risk was explained using non-performing credits, capital adequacy ratio, plus p

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Chaudhary, Naveen Kumar. "Non-Performing Loans and Economic Growth: A Case of Nepal." Nepalese Journal of Economics 8, no. 4 (2024): 98–117. https://doi.org/10.3126/nje.v8i4.79751.

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This study examines the relationship between non-performing loans and economic growth in the context of Nepal. Gross domestic product and per capita income are the dependent variables. The independent variables are non-performing loans, loan loss provision, lending interest rate, credit to deposit ratio, capital adequacy ratio and leverage ratio. This study is based on secondary source of data that are collected from 2015/16 to 2021/22, leading to a total of 105 observations. The data are collected from the Banking and Financial Statistics and bank supervision report published by Nepal Rastra

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Nguyen, Phuong Anh, and Thi Thuy Trang Dinh. "Factors Affecting Bank Risks in Vietnam." International Journal of Economics and Finance 13, no. 10 (2021): 42. http://dx.doi.org/10.5539/ijef.v13n10p42.

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The research identifies the determinants of credit risk and insolvency risk in the Vietnamese banking sector. Using the data sample of 25 commercial banks over ten years (2008-2017), we examine the relationship between internal variables, external variables, and bank risks. In this study, the independent variables are bank size, bank capitalization, return on asset, return on equity, loan loss provision, capital adequacy ratio, inflation rate, and GDP growth rate. In contrast, non-performing loans and Z-score are the dependent variables. The empirical results show that all factors have an effe

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Ariful Islam, Md, and Rezwanul Hasan Rana. "Determinants of bank profitability for the selected private commercial banks in Bangladesh: a panel data analysis." Banks and Bank Systems 12, no. 3 (2017): 179–92. http://dx.doi.org/10.21511/bbs.12(3-1).2017.03.

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This study aims to investigate the determinants of profitability of fifteen selected private commercial banks in Bangladesh over the period 2005‒2015. The study emphasizes on the internal factors that affect bank profitability. This research uses panel data to explore the impact of nonperforming loan, cost to income ratio, loan to deposit ratio, commission fees, cost of fund and operating expenses on the profitability indicators of banks like return on asset and return on equity. The experimental outcomes have found strong evidence that nonperforming loan (NPL) and operating expenses have a si

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Saha, Ratul Kumar. "The Effect of Lending Decision Quality on the Performance of Shariah Based Banks: Empirical Evidence from Bangladesh." Jahangirnagar University Journal of Business Research 23, no. 2 (2024): 21–38. http://dx.doi.org/10.53461/jujbr.v23i2.35.

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The study tries to find how lending decision quality impacts the financial performance of shariah-based banks from a Bangladeshi perspective. A strongly balanced panel data set of seven shariah-based banks from 2009 to 2021 have been used to run the econometric model required for this paper. The study uses the total classified loan to total loans (CLTL), Provision maintained to total loan (PLTL), Provision Maintained to Classified Loan (PMCL), and Capital Adequacy Ratio (CAR) as a proxy for lending decision quality, whereas the return on asset (ROA) and Net interest margin (NIM) serves the rol

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32

Sadchykova, Iryna, and Anastasia Onoprienko. "ASSESSMENT OF THE CREDIT RISK OF A COMMERCIAL BANK UNDER THE CONDITIONS OF THE CORONA CRISIS." Problems and prospects of economics and management, no. 2(30) (2022): 115–24. http://dx.doi.org/10.25140/2411-5215-2022-2(30)-115-124.

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The article carries out a thorough analysis of the essence of the concept of "credit risk", high-lights its causes and main features. The authors provide an analysis of the main indicators of the credit market of Ukraine, namely the dynamics of changes in credit risk factors. Such indicators include: the share of the loan portfolio in the assets of banks, the ratio of equity capital to the loan portfolio, the share of loans in foreign currency, the share of overdue loans and the share of non-performing loans, NBU credit risk standards and their compliance by commercial banks. Also, after the a

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Purwaningsih, Sri Budi, Noor Fatimah Mediawati, Moh Faizin, and Dwi Nadhiro Salsabila A. "Analysis of halal certification as an instrument for assessing the 5C principles in credit provision for MSME entrepreneurs." BIS Humanities and Social Science 2 (May 30, 2025): V225038. https://doi.org/10.31603/bishss.285.

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Micro, Small, and Medium Enterprises (MSMEs) require capital to develop their businesses. One way to meet this need is by obtaining loans from banks. Banks, in disbursing loans, must adhere to prudential principles, including assessments based on the 5C principles. Halal certification serves as one of the assets owned by MSME entrepreneurs when applying for bank loans. This study aims to determine whether halal certification can be used as collateral for credit and how banks use halal certification as an instrument for credit assessment based on the 5C principles. Before granting loans, banks

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Ozili, Peterson K., and Ahmed Adamu. "Does financial inclusion reduce non-performing loans and loan loss provisions?" Journal of corporate governance, insurance and risk management 8, no. 2 (2021): 10–24. http://dx.doi.org/10.51410/jcgirm.8.2.2.

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We examine whether countries that have high levels of financial inclusion have fewer non-performing loans and loan loss provisions in their banking sectors. The fixed effect panel regression methodology was used to analyse the effect of financial inclusion on bank non-performing loans and loan loss provisions. Using data from 48 countries, we find that greater formal account ownership is associated with high non-performing loans. Bank loan loss provisions are fewer in countries that have high levels of financial inclusion only when financial inclusion is achieved through the combined use of fo

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ANTKIV, V. V. "Resource security of bank lending of non–financial corporations in conditions of economic instability." Market Relations Development in Ukraine №5(264)2023 98 (July 13, 2023): 57–65. https://doi.org/10.5281/zenodo.8141957.

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The subject of the study is the set of relationships between banks and their clients regarding the attraction of deposit funds and lending to non–financial corporations The purpose of writing the article is to determine the problems of resource provision of bank lending to non–financial corporations of Ukraine and to develop recommendations for the activation of lending to the real sector in conditions of economic instability. Work methodology. In the work, general scientific methods of cognition were used, in particular, the graphic method and the comparison method were used

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KRAMARENKO, Iryna, and Liliia KOZACHENKO. "METHODOLOGY FOR ASSESSING THE BORROWER’S CREDITWORTHINESS: PRACTICAL ASPECT." Economy of Ukraine 2018, no. 5 (2018): 49–60. http://dx.doi.org/10.15407/economyukr.2018.05.049.

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Today, the banking system does not fulfill its main task, since it does not finance or lend to the real sector of the economy, and a quarter of the loans provided are written off and unpaid. The current situation in Ukraine necessitates studying the ways and means to improve the assessment of the borrower’s creditworthiness as the main direction for stabilizing and improving the efficient lending activity of com-mercial bank. The purpose of the study is: (i) to access the current state of bank lending to business; (ii) to access the borrower’s creditworthiness and its influence on the amount o

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Novitasari, Ramadhanti Dwi, and Anita Handayani. "Navigating NPLs: Financial Health Analysis of BPR Bank Gresik." INNOVATION RESEARCH JOURNAL 4, no. 2 (2023): 132. http://dx.doi.org/10.30587/innovation.v4i2.6879.

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The Regional Public Bank (BPR) Bank Gresik plays a crucial role in supporting small businesses in rural communities and economically vulnerable groups in urban areas through the provision of credit loans. Credit, as the primary productive asset, serves as the main source of income for the bank. However, credit disbursement also entails credit risk, which can lead to the occurrence of non-performing loans. This research aims to identify the handling of non-performing loans and its impact on profit growth at Bank Gresik. The research methodology employed is descriptive with a qualitative approac

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Kong, Chantha, Sovanvatthana Kol, Channy Yut, et al. "An in-depth analysis of financial metrics and their interrelations in shaping the performance of commercial banks in Cambodia." International Journal of Business and Management (IJBM) 3, no. 2 (2024): 73–101. http://dx.doi.org/10.56879/ijbm.v3i2.50.

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This study aims to systematically identify and analyze key financial metrics that influence the performance of commercial banks in Cambodia. Utilizing 2023 data from the National Bank of Cambodia across 59 banks, the research adopts an explanatory framework based on cross- sectional data analysis. The findings reveal that Loan Growth (LG) exhibits no statistical significance in relation to Return on Equity (ROE), suggesting that increases in lending do not necessarily enhance bank profitability in the Cambodian context. Conversely, Non-Performing Loans (NPL) demonstrate a marginally significan

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T. Funso, KOLAPO, AYENI R. Kolade, and OKE M. Ojo. "CREDIT RISK AND COMMERCIAL BANKS’ PERFORMANCE IN NIGERIA: A PANEL MODEL APPROACH." Australian Journal of Business and Management Research 02, no. 02 (2012): 31–38. http://dx.doi.org/10.52283/nswrca.ajbmr.20120202a04.

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The study carried out an empirical investigation into the quantitative effect of credit risk on the performance of commercial banks in Nigeria over the period of 11 years (2000-2010). Five commercial banking firms were selected on a cross sectional basis for eleven years. The traditional profit theory was employed to formulate profit, measured by Return on Asset (ROA), as a function of the ratio of Non-performing loan to loan & Advances (NPL/LA), ratio of Total loan & Advances to Total deposit (LA/TD) and the ratio of loan loss provision to classified loans (LLP/CL) as measures of cred

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Białek, Tadeusz, and Joanna Niska. "Prawne aspekty udzielania kredytów denominowanych oraz indeksowanych do waluty obcej." Ekonomia 24, no. 1 (2018): 15–38. http://dx.doi.org/10.19195/2084-4093.24.1.2.

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Legal aspects of granting loans denominated and indexed in a foreign currencyThis study addresses the issue of the legality of the denominated and indexed loans in a foreign currency under the current applicable law, with reference to the existing position of doctrine and case law in this area. The starting point for this considerations is the arbitrarily accepted thesis in the public discourse that the credit agreements denominated and indexed in a foreign currency were defective due to their lack of compliance with the applicable law or because their included the provisions that were unfair

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Bagna, Emanuel. "Valuation of Non-Performing Loans under Discussion." International Journal of Business and Management 15, no. 12 (2020): 25. http://dx.doi.org/10.5539/ijbm.v15n12p25.

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In March 2018, the ECB published &ldquo;Addendum to the ECB Guidance to banks on non-performing loans: supervisory expectations for prudential provisioning of non-performing exposures&rdquo; in which it required non-performing loans originated after 1 April 2018 to be fully written down after 7 years, with unsecured loans to be written offer after only 2 years. In practice, this approach implies the use of a null value: i) after seven years for secured non-performing loans and ii) after two years for unsecured loans, with an accounting provision for an equivalent amount. European Banki

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Rufina Seno Saba, Apriana H.J Fanggidae, and Maria Prudensiana Leda Muga. "Analisis Prosedur Pemberian Kredit Usaha Rakyat dan Penanganan Kredit Macet Pada PT. Bank Rakyat Indonesia Unit Diponegoro Soe." Jurnal Riset Akuntansi 3, no. 1 (2025): 324–29. https://doi.org/10.54066/jura-itb.v3i1.2972.

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This research is motivated by the observation that in providing credit, good credit provision procedures must be considered so that it can reduce the impact of the risk of non-performing loans and efforts are also needed to handle cases of increasing non-performing loans. This study aims to (1) analyze the procedure for providing People's Business Credit (KUR) and (2) handling non-performing loans at PT. BRI Unit Diponegoro. People's Business Credit is one of the government programs that aims to encourage the development of micro, small and medium enterprises (UMKM) in Indonesia. The procedure

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Dr., Gagan Deep, and Kumar Devinder. "Performance Evaluation Of Himachal Pradesh Gramin Bank." International Journal of Advance and Applied Research 4, no. 7 (2023): 38–45. https://doi.org/10.5281/zenodo.7694975.

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Present study examined the performance of Himachal Pradesh Gramin Bank. Study found that HPGB (formed by merger of HGB & PGB) has achieved success in channelizing the savings of rural people into productive purpose. The amount of outstanding loans and advances has been significantly increased at a faster rate. The ratio of loans & advances over deposits of bank significantly improving from 29.03 percent in 2016-17 to 36.94 percent in 2021-22. Study shows that the CAGR of provisions & contingencies of HPGB has been revealed more as compare to the CAGR of operating profits during the

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Prayagsing, Chakeel Coomar. "Modeling the Behaviour of Corporate Demand for Credit in Mauritius before and after the Global Financial Crisis Under Conditions of Excess Liquidity by Banks." Archives of Business Research 8, no. 5 (2020): 63–79. http://dx.doi.org/10.14738/abr.85.8165.

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This Paper proves that the global financial crisis (GFC) has had a major influence in altering the pattern and subsequent demand for corporate finance in Mauritius. By applying probability models, it is found that bonus issuance is a key factor that influences the demand and supply for both debt and equity financing. Firms consider debt repayment variable of upmost essence to loan application and provision responses. Large companies, comprising of entities falling under the wing of the manufacturing, industrial and retail sector found ease in obtaining bank loans prior to the crisis due to the

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Bhowmik, Probir Kumar, Niluthpaul Sarker, and Md Jamil Sharif. "Exploring the Drivers of Bank Risk in State-Owned Commercial Banks." International Journal of Finance & Banking Studies (2147-4486) 13, no. 4 (2024): 81–89. https://doi.org/10.20525/ijfbs.v13i4.3753.

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This paper investigates the factors that form bank risks in Bangladeshi state-owned banks. As a representation of bank risk, non-performing loans have been considered the dependent variable for this study. The relevant data have been extracted from six state-owned banks in Bangladesh from 2013 to 2022. The final dataset consists of 60 firm-year observations. The ordinary least square (OLS) regression with robust standard errors model is utilized to find the relationship of bank risks with determinants like asset size, efficiency, liquidity, profitability, leverage ratio, capital adequacy ratio

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Yusuf, Zulfan, and Syamsul Rizal. "Optimization Of Debtor Information Systems In Pressing Problem Financing In Some Syari'ah BPR In Aceh Province." International Journal of Management Science and Information Technology 1, no. 1 (2021): 9. http://dx.doi.org/10.35870/ijmsit.v1i1.228.

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Article 1 paragraph (1) of Law Number 10 the Year 1998 states that banking is a financial institution that collects funds from the public in the form of savings, time deposits, and demand deposits and which can be equated with them. Furthermore, it is channeled back to the public in the form of credit (financing in the Syari'ah Bank), with the aim of achieving people's welfare. Furthermore, based on Law Number. 21 of 2008 explains that a Syari'ah bank is a bank financial institution that runs its operations in a Shari'ah manner. One of the duties of banking institutions is to channel credit/fi

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Ranjitkar, Abiral, Ashna Tamrakar, Ajit Upreti, Abin Silwal, Amar Basnet, and Radhe Shyam Pradhan. "Impact of Loan Defaults on the Profitability of Nepalese Commercial Banks." Nepalese Journal of Finance 11, no. 3 (2024): 1–19. https://doi.org/10.3126/njf.v11i3.79547.

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The study examines the effect of loan defaults on the profitability in Nepalese commercial banks. Return on assets and return on equity are selected as the dependent variables. The selected independent variables are bank size, interest spread rate, loan loss provision, non-performing loan, capital adequacy ratio, and credit to deposit ratio. The study is based on secondary data from 17 commercial banks with 102 observations for the study period from 2016/17 to 2021/22. The data were collected from Banking and Financial Statistics published by Nepal Rastra Bank, publications and websites of Nep

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Azkal Azkia and Safira Mustaqilla. "PENERAPAN PRINSIP PRUDENTIAL BANKING PADA PEMBIAYAAN KREDIT USAHA RAKYAT MIKRO: STUDI PADA BANK SYARIAH INDONESIA CABANG BANDA ACEH." Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah 5, no. 1 (2024): 97–116. http://dx.doi.org/10.22373/al-mudharabah.v5i1.4540.

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Kredit Usaha Rakyat (KUR) is a credit facility to middle to lower class customers that issued by banking industries in Indonesia, which focusses on aspects of livestock, trade, and agriculture. PT Bank Syariah Indonesia, Banda Aceh is one of bank company which issues this product and always applies prudent banking principles, especially in financing. The application of the prudential principle is carried out starting from the beginning of the debtor applying for credit analysis of KUR financing until the financing is paid off. This type of research is a qualitative descriptive approach through

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Chun, Se-Hak, and Namnansuren Ardaaragchaa. "Analysis of Factors Affecting the Loan Growth of Banks with a Focus on Non-Performing Loans." Journal of Risk and Financial Management 17, no. 5 (2024): 203. http://dx.doi.org/10.3390/jrfm17050203.

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The purpose of this paper is to investigate the intertemporal relationship between the non-performing loan ratio and bank lending and to analyze factors affecting loan growth using data from Mongolian commercial banks. There has been a lack of research on Mongolian banks’ lending behavior due to their short history. Thus, this paper investigates the effect of the non-performing loan ratio on total loan growth using an ordinary least squares (OLS) regression model with panel data. We used bank-related variables such as the loan-to-deposit ratio, provision-to-gross loan portfolio ratio, equity-t

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Ashraf, Naseem, and Qurrat Ul Ain Butt. "Macroeconomic and Idiosyncratic Factors of Non-Performing Loans: Evidence from Pakistan’s Banking Sector." Journal of Finance and Accounting Research 1, no. 2 (2019): 44–71. http://dx.doi.org/10.32350/jfar/0102/03.

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Using panel data approach in the Pakistan banking sector over the period 2010 to 2016, we examine the bank-specific and macroeconomic determinants of non-performing loans. We use quantitative research design with OLS random effect model. Furthermore, we use various regression and correlation analysis in this study. We find that rise in capital adequacy ratio, bank size, GDP growth rate, and inflation, reduces the non-performing loans (NPL) ratio. Our results also show that a rise in loan loss provisions enhances the NPL ratio. Our results suggest that banks with poor asset-quality can sabotage

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