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Artykuły w czasopismach na temat „Loan performance”

Autor: Grafiati

Data publikacji: 3 czerwca 2025

Data aktualizacji: 31 lipca 2025

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1

Purwanti, Juni, Suwaryo Suwaryo, and Sudarto Sudarto. "ANALISIS HUBUNGAN JANGKA PANJANG DAN JANGKA PENDEK ANTARA NPL, ROE, SIZE DAN LOTA TERHADAP CAPITAL BUFFER." Performance 23, no. 1 (2017): 67. http://dx.doi.org/10.20884/1.performance.2016.23.1.281.

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This study aimed to analyze the effect of Non-Performing Loans, Return on Equity, bank size, and Loan to Total Assets of the capital buffer using panel data. The population in this study was State Owned Banks registered in Bank Indonesia for the period 2002 to 2014. In this study all the population used as an object of study and the type of data used in this research was quarterly data. Data were analyzed using cointegration test and Error Correction Model to demonstrate short and long term relationship. The results showed that in the short term, the Non Performing Loan and Return on Equity ha

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Putri, Gaviota Gilda, Bambang Sunarko, and Retno Widuri. "ANALISIS PENGARUH MODAL SENDIRI, MODAL LUAR, VOLUME USAHA, DAN TINGKAT PERPUTARAN PIUTANG TERHADAP SISA HASIL USAHA." Performance 23, no. 2 (2017): 1. http://dx.doi.org/10.20884/1.performance.2016.23.2.279.

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The purpose of this research was to describe the development of cooperatives, to investigate the influence of own capital, loan capital, bussines volume, and receivable turn over on added value of cooperatives. The samples of this research were financial statements in Sejati Mulia business cooperatives, Ceger Jaya busiess cooperatives, and Tunas Jaya business cooperatives from 2004-2014. The method of this research was purposive sampling. The technique of data analysis used was linier multiple regression with classical assumption. The result indicated that own capital,loan capital, bussines vo

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3

Krainer, John, and Elizabeth Laderman. "Mortgage Loan Securitization and Relative Loan Performance." Journal of Financial Services Research 45, no. 1 (2013): 39–66. http://dx.doi.org/10.1007/s10693-013-0161-7.

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Kashian, Russell D., and Ran Tao. "Off-balance sheet activities and community bank performance." Journal of Economic Studies 41, no. 6 (2014): 789–807. http://dx.doi.org/10.1108/jes-01-2013-0010.

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Purpose – The purpose of this paper is to examine loan commitments and lending patterns of community banks. The authors also test for shifts in these relationships in the period unwinding the subprime crisis. Design/methodology/approach – Standard panel fixed-effect models as well as hierarchical (mixed) regression models are estimated given that banks operating in a specific geographic market may vary systematically with differences in firm-level characteristics. Hierarchical (mixed) regression models can control for within-counties and within-banks similarities. The authors also employ poole

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Nderekanye, Nuhu MBA/AF/19/09/5992. "Effect of Loan Management Strategies on Financial Performance of Commercial Banks in Rwanda." International Journal of Business Management and Technology 5, no. 6 (2023): 82–86. https://doi.org/10.5281/zenodo.7673881.

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Despite the efforts done by Commercial banks in ensuring that all loans are recovered on time, a substantial amount of these loans remain un-recovered. This problem does not only endanger the achievement of objectives, but also threaten bank’s sustainability and efficiency. Therefore, there is a need of an effective loan management where loans should be very well managed to minimize potential risks that may affect the bank’s performance.The study examined the effect of loan management strategies on financial performance of selected commercial banks in Rwanda. The study adopted desc

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Adeleke, E. O., Ebunoluwa Adeoye, Temitope A. Anisulowo, Christian O. Sanni, Abiola A. Sofayo, and Adebisi M. Adeleke. "Non-performing Loans and Financial Performance of Listed Deposit Money Banks (DMBs) in Nigeria." Adeleke University Journal of Business and Social Sciences (AUJBSS) 3, no. 1 (2023): 223–41. https://doi.org/10.5281/zenodo.7892597.

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The importance of non-performing loans to the financial performance necessitated this study which aimed to examine the effect of non-performing loans on the financial performance of deposit money banks in Nigeria. In the course of the study, the primary objectives of the study were to determine the effect of loan loss provisions on the financial performance of listed deposit money banks in Nigeria, and to evaluate the effect of loans and advances on the financial performance of listed deposit money banks in Nigeria. The population of this study comprised of all the fourteen (14) listed deposit

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7

Calcagnini, Giorgio, Rebel Cole, Germana Giombini, and Gloria Grandicelli. "Hierarchy of bank loan approval and loan performance." Economia Politica 35, no. 3 (2018): 935–54. http://dx.doi.org/10.1007/s40888-018-0109-3.

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Pederson, Glenn, Ananth Rao, and Michael Boehlje. "Determinants of Restructured Farm Loan Performance." Journal of Agricultural and Applied Economics 23, no. 2 (1991): 39–48. http://dx.doi.org/10.1017/s008130520001815x.

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AbstractA probabilistic model is applied to cross-sectional data to identify determinants of post-restructure performance of Federal Land Bank loans. The results indicate that restructured loans were sensitive to factors that determine the debt repayment burden and the repayment ability of the restructured farm operations. Loan performance is found to be relatively more sensitive to the levels of the post-restructure interest rate and cash farm income than to the financial structure and leverage position of the restructured farm. The relationships between the post-restructure interest rate, ca

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9

Furfine, Craig H. "Complexity and Loan Performance: Evidence from the Securitization of Commercial Mortgages." Review of Corporate Finance Studies 2, no. 2 (2014): 154–87. http://dx.doi.org/10.1093/rcfs/cft008.

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Between 2001 and 2007, the complexity of commercial mortgage-backed securities (CMBS) increased substantially. The median size of commercial mortgage loan pools tripled and the median number of AAA-rated tranches doubled. I examine whether deal complexity is related to loan performance by analyzing a sample of approximately 40,000 commercial mortgage loans from 334 CMBS deals. I find that loan performance is worse for loans in more complex securitizations. However, neither the price of a deal’s securities nor a deal’s risk retention reflected that complexity correlates with lower loan quality.

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10

Martin, RE, and RC Hill. "Loan performance and race." Economic Inquiry 38, no. 1 (2000): 136–50. http://dx.doi.org/10.1111/j.1465-7295.2000.tb00009.x.

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11

Ghosh, Amit. "Determinants of bank loan charge-off rates: evidence from the USA." Journal of Financial Regulation and Compliance 26, no. 4 (2018): 526–42. http://dx.doi.org/10.1108/jfrc-02-2018-0021.

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Purpose Using data on 5,176 commercial banks in the USA for the period 1999Q1-2016Q3, the present study aims to examine the underlying determinants of loan charge-off rates. Design/methodology/approach The study uses panel data fixed-effects estimation methodology. Findings Greater regulatory capital, more diversification, higher profits and cost efficiency reduce charge-off rates. On the contrary, a higher share of loans in banks asset portfolio and a higher share of real estate loans have a detrimental impact on loan performance. Moreover, strong US macroeconomic fundamentals reduce loan cha

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12

Wangari, Majory, David Kiragu, Allan Kuria, and Beth Kariuki. "Predatory Loan Processing Practices and Their Influence on Loan Performance among Commercial Banks in Kenya." International Journal of Science and Research (IJSR) 12, no. 11 (2023): 1396–402. http://dx.doi.org/10.21275/sr231117204825.

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13

Guiral, Andrés. "Corporate Social Performance, Innovation Intensity, and Financial Performance: Evidence from Lending Decisions." Behavioral Research in Accounting 24, no. 2 (2012): 65–85. http://dx.doi.org/10.2308/bria-50096.

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ABSTRACT This study examines how loan requests for intensifying corporate social performance (CSP) activities and loan requests for increasing innovation intensity affect loan officers' credit judgments and lending decisions. In addition, the impact of a balanced loan request for both CSP and innovation intensity was examined. An experiment was designed by manipulating the purpose of a loan request from a pharmaceutical company in order to create four alternative lending scenarios: (1) a full loan request for intensifying CSP activities; (2) a full loan request for increasing innovation intens

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14

Stanley Isanzu, Juliana. "The Impact of Credit Risk on the Financial Performance of Chinese Banks." JOURNAL OF INTERNATIONAL BUSINESS RESEARCH AND MARKETING 2, no. 3 (2017): 14–17. http://dx.doi.org/10.18775/jibrm.1849-8558.2015.23.3002.

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The study aim was to empirically examine the impact of credit risk on the financial performance of Chinese banks. Secondary data was collected from five largest commercial banks in the country for the period of 7 years from 2008 to 2014. The study used nonperforming loans, capital adequacy ratio, impaired loan reserve, and loan impairment charges as measures of credit risk and for a measure of financial performance return on asset was used. Data analysis was done using a balanced panel data regression model, and the study findings reveal nonperforming loan and Capital adequacy have a significa

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15

Murage, Margaret. "Mobile Loans as Financing Options in Kenya and the Financial Performance of SMEs in Low Income Areas in Nairobi County." African Journal of Empirical Research 2, no. 2 (2021): 114–22. https://doi.org/10.51867/ajer.v2i2.31.

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This study sets out to examine the effect of loan accessibility on the financial performance of SMEs in urban informal settlements in Kenya. Based on the descriptive survey design, data were collected from 120 SMEs in the 6 wards of Mathare Sub-County using semi-structured questionnaires. It was analysed using descriptive and inferential statistics. The findings show that all the loan accessibility had a significant and positive relationship with the financial performance of SMEs. In this regard, enhancing loan accessibility contributed to the financial performance of SMEs in urban areas. Fina

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16

Stanslaus, James Nicholaus. "Influence of Loan Size on Financial Performance of Small and Medium Enterprises in Moshi Municipality." Indian Journal of Economics and Finance (IJEF) 5, no. 1 (2025): 35–45. https://doi.org/10.54105/ijef.B2600.05010525.

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<strong>Abstract: </strong>The study investigated the influence of loan size on the financial performance of Small and Medium Enterprises (SMEs) in Moshi Municipality, Tanzania, focusing on how varying loan amounts impact profitability, solvency, and liquidity. Using a convergent parallel research design grounded in the Theory of Capital Structure, data were collected from 195 respondents out of a target population of 7,600 SMEs. Simple random and purposive sampling techniques were used, and quantitative analysis was conducted to ensure validity and reliability. The findings showed that larger

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17

Stanslaus, James Nicholaus. "Influence of Loan Size on Financial Performance of Small and Medium Enterprises in Moshi Municipality." Indian Journal of Economics and Finance (IJEF) 5, no. 1 (2025): 35–45. https://doi.org/10.54105/ijef.B2600.05010525/.

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<strong>Abstract:</strong> The study investigated the influence of loan size on the financial performance of Small and Medium Enterprises (SMEs) in Moshi Municipality, Tanzania, focusing on how varying loan amounts impact profitability, solvency, and liquidity. Using a convergent parallel research design grounded in the Theory of Capital Structure, data were collected from 195 respondents out of a target population of 7,600 SMEs. Simple random and purposive sampling techniques were used, and quantitative analysis was conducted to ensure validity and reliability. The findings showed that larger

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18

Jaya, Briliane Jovita, Besse Nur Fathimah Hefri, Astri Suryanti, and Trisninik Ratih Wulandari. "The relationship between loan growth, risk, and bank performance: Evidence from Indonesia." Sebelas Maret Business Review 9, no. 2 (2024): 96. https://doi.org/10.20961/smbr.v9i2.86560.

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<p>The crucial role of the banking sector is as an intermediary to give loans or lending to boost a country's economy. Along with advances in technology and digital transformation, lending has become increasingly easier. However, this condition allows for whatever loan growth to affect bank risk or performance. This research investigates the influence of loan growth on risk and bank performance in Indonesia between 2018-2022. The sample for this study consists of all conventional banks in Indonesia. There were 150 data observations from 30 banks in Indonesia. The analysis results indicat

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19

Liang, Zhijian, and Xueying Wang. "Corporate Environmental Performance and Bank Credit Financing." E3S Web of Conferences 292 (2021): 03003. http://dx.doi.org/10.1051/e3sconf/202129203003.

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Taking listed companies in heavy polluting industries in China from 2012 to 2018 as research samples, this paper examines the impact of corporate environmental performance on credit financing capacity. The results show that good environmental performance contributes to the improvement of corporate credit financing capacity, which is embodied in more new loans, lower loan rates, longer loan maturities, and less possibility of mortgage guarantee requirements.

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20

Sarlina, Yunik Eva. "PERFORMANCE ANALYSIS OF FOREIGN LOANS IN DIRECTORATE GENERAL OF HIGHWAYS MINISTRY OF PUBLIC WORKS." Journal of the Civil Engineering Forum 2, no. 2 (2017): 205. http://dx.doi.org/10.22146/jcef.26585.

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Provision of road infrastructure does, efficiently and effectively, have an effect on economy increase in a region. The limitedability of the government in the provision of funding for the road infrastructure requires the handling on the organizers of theroads, it also needs efforts to look for funding resources outside the APBN as a resource of funds for foreign loans. This studyaims to know the process of foreign loans, the characteristics of each foreign loan, and the loan implementation performance inDirectorate General of Highways, Ministry of Public Works. The research was using the qual

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21

Kurnia Yuniarti, Nurul Inayah, Fibby Luthfia, and Henny Setyo Lestari. "The Influence Of Digitalization, Bank Specifications, And Macroeconomics On Indonesia’s Bank Performance." Jurnal Ekonomi 29, no. 2 (2024): 220–40. http://dx.doi.org/10.24912/je.v29i2.2222.

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This research aims to determine and analyse the effect of digitalisation, bank specifications, and macroeconomics on the performance of banks listed on the Indonesia Stock Exchange in the 2018-2022 period. Independent variables in this study include digitalisation, bank size, capital adequacy ratio, loan-to-asset ratio, loan-to-deposit ratio, nonperforming loans, Inflation, and gross domestic product. The dependent variable is financial performance measured using Return on Assets and Return on Equity. To analyse the data, this study uses the Eviews 12 program to analyse multiple linear regress

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22

Akram, Muhammad, Zahid Iqbal, and Muhammad Mudasir Afzal. "LOAN CHARACTERISTICS & LOAN CREDIT TERMS: DOES IT MATTER IN A MICROFINANCE CONTRACT?" Journal of Arts & Social Sciences 10, no. 2 (2023): 57–66. http://dx.doi.org/10.46662/jass.v10i2.379.

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This study examined the relationship between loan characteristics and loan credit conditions on loan repayment issues in order to assist Microfinance Institutions (MFIs) in Pakistan in improving their loan payback performance. The study also examines the link between loan credit terms and problems with loan repayment as well as the mediating function of client-business performance in the relationship between loan characteristics and loan repayment concerns. A measurement model and a structural model were both used in this investigation, which used a two-stage structural equation modelling meth

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23

Fatin, Ragil Latifah, Toni Andrianto, and Aang Munawar. "Analisis Kinerja Keuangan Melalui Rasio Non Performing Loan pada PT BPR Mitra Daya Mandiri." Jurnal Aplikasi Bisnis Kesatuan 4, no. 3 (2024): 477–86. http://dx.doi.org/10.37641/jabkes.v4i3.2842.

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Financial report analysis is very necessary for companies so that financial reports are easier to understand and comprehend by various users of financial reports in making decisions. In the analysis of financial reports will produce a measurement of financial performance in the company in a certain period, to measure financial performance can use financial ratios.To measure financial performance against non-performing loans (doubtful, substandard, bad) can use the Non Performing Loan (NPL) ratio. The Non Performing Loan (NPL) ratio contains the amount of non-performing loans (doubtful, substan

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24

Semusu, Alex, and Benson Turyasingura. "Nonperforming Loans and Performance of Financial Institutions in East Africa: Evidence from Kabale District, Uganda." International Journal of Finance and Accounting 2, no. 1 (2023): 9–20. http://dx.doi.org/10.37284/ijfa.2.1.1193.

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This research evaluated the performance of financial institutions in the Kabale district in relation to the effect of non-performing loans. The following research goals served as the study’s direction: to evaluate the effects of nonperforming loans on financial institutions, to evaluate the credit monitoring and recovery practices employed by financial institutions, and to ascertain the connection between loan evaluation and the performance of financial institutions. The study adopted a descriptive survey design. The population of the study included 10 financial institutions. A sample size of

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25

Xu, Boyu, Zhifang Su, and Jan Celler. "Evaluating Default Risk and Loan Performance in UK Peer-to-Peer Lending: Evidence from Funding Circle." Journal of Advanced Computational Intelligence and Intelligent Informatics 25, no. 5 (2021): 530–38. http://dx.doi.org/10.20965/jaciii.2021.p0530.

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The United Kingdom is the third-largest peer-to-peer (P2P) lending market in the world, which is surpassed only by the two dominant forces in P2P investing, China and the United States of America. As an innovative financial market in the UK, P2P lending brings not only many opportunities but also many risks, especially the loan default risk. In this context, this paper uses binary logistic regression and survival analysis to evaluate default risk and loan performance in UK P2P lending. The empirical results indicate that credit group, loan purpose for capital needs, sector type, loan amount, i

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Adugna, Megersa. "Factor Affecting Loan Repayment Performance of Micro and Small Scale Enterprises in Western Ethiopia: The Case of Oromia Credit and Saving Share Company (Ocssco) Shambu Branch." International Journal of Economics & Management Sciences 12, no. 1 (2022): 8. https://doi.org/10.37421/2162-6359.2022.11.616.

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Loan repayment has a vital importance to have sustainable of financial institutions and the micro finance institution are distribution loan facilities to Micro and Small Enterprises(MSEs) in order to fill the gap of borrowers financial problem and increase productivity. Oromia Credit and Saving Share Company (OCSSCO) were, therefore, established to fill the gap in the financial services by providing credit services to MSEs. However, there is a loan repayment problem of MSEs in the study area, which is an obstacle to microfinance institutions. The objective of the study was identifying factors

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Zulfikar, Z., and Wahyuni Sri. "The impact of discretionary loan loss provision of sharia financing on financial performance." Banks and Bank Systems 14, no. 4 (2019): 34–41. http://dx.doi.org/10.21511/bbs.14(4).2019.04.

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This study aims to investigate the role of discretionary loan loss provision of sharia financing on the Islamic commercial banks’ financial performance in Indonesia. Partial Least Squares-Structural Equation modeling (PLS-SEM) is used to examine the relationship between loan loss provisions and financial performance in 13 Islamic commercial banks for 4.5 years. The analysis of the outer model shows that the probability of default and loss given default are determinants of loan loss provision, while financial performance is determined by return on assets, non-performing financing, net operating

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GARMAISE, MARK J. "Borrower Misreporting and Loan Performance." Journal of Finance 70, no. 1 (2015): 449–84. http://dx.doi.org/10.1111/jofi.12156.

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Bhardwaj, Geetesh, and Rajdeep Sengupta. "Subprime cohorts and loan performance." Journal of Banking & Finance 41 (April 2014): 236–52. http://dx.doi.org/10.1016/j.jbankfin.2013.11.037.

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Chrisostom, Noelina, Alexis Naho, and Lazaro Athanas Mwonge. "The Role of Commercial Bank Loans in Enhancing Financial Performance of Small and Medium-sized Enterprises in Morogoro Municipality, Tanzania." Asian Journal of Economics, Business and Accounting 24, no. 9 (2024): 188–200. http://dx.doi.org/10.9734/ajeba/2024/v24i91485.

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Purpose: This study investigates the role of commercial bank loans on the performance of small and medium-sized enterprises (SMEs) in Morogoro Municipality, Tanzania. It examines how commercial bank loans affect SME financial performance, providing a comprehensive understanding of how financial support from banks influences SME growth and sustainability. Design/Methodology/Approach: The study adopted a quantitative approach. It utilized cross-section data collected from a sample of 92 SMEs in Morogoro municipality. The collected data were descriptively analyzed using SPSS version 25. This anal

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31

Wachira, Bernard Ndirangu, Humphrey Opiyo Omondi, and Josphat K. Kinyanjui. "Analysis of Third Party Loan Guarantee and Performance of Non-Prime Household Loans in Microfinance Banks in Kenya." Management and Economics Research Journal 03 (2017): 55. http://dx.doi.org/10.18639/merj.2017.03.463579.

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Household loans remain the engine to productivity and economic growth globally. Non-prime household loan is essential, because it enables the borrowers with no collateral to access credit from Microfinance Banks. The survival and sustainability of non-prime household loans globally is therefore significant. Credit risk however remains the main deterrent of the soundness of Microfinance Banks. This leads to the poor performance of microfinance institutions in many economies in the world. Several countries globally are making inroad in reducing the credit risks, which lead to the poor performanc

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Nanayakkara, Gemunu, and Jenny Stewart. "Gender and other repayment determinants of microfinancing in Indonesia and Sri Lanka." International Journal of Social Economics 42, no. 4 (2015): 322–39. http://dx.doi.org/10.1108/ijse-10-2013-0216.

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Purpose – The repayment performance of microfinancing loans funded by donors amounting to hundreds of millions of dollars is an important issue, because it indicates the effectiveness of utilising these funds to alleviate poverty. The purpose of this paper is to develop models to predict the repayment success of microfinancing loans. Design/methodology/approach – Analysing data relating to 1,109 random loan records from Indonesia and Sri Lanka, the study develops models to predict the repayment probability of microfinancing loans using logistic regression. Findings – There are significant diff

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Thiong’o, Paul Kiama, Matata Kilungu, and Charles Guandaru Kamau. "Loan Portfolio Growth and FinancialPerformance of Commercial banks in Kenya." East African Finance Journal 3, no. 1 (2024): 27–47. http://dx.doi.org/10.59413/eafj/v3.i1.2.

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Loans comprise the single largest asset for commercial banks. To grow the bank's assets, bank managers focus on increasing the number of loans granted by the bank. The general objective of this study was to evaluate the effect of growth in loan portfolios on the financial performance of commercial banks in Kenya. The study used a regression research design. The population of interest consisted of the 44 commercial banks in Kenya. A sample of 31 commercial banks was selected. The study covered a five-year period, from 2011 to 2015. Multiple-linear regression was also used in the analysis. The s

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de Haan, Leo, and Mauro Mastrogiacomo. "Loan to Value Caps and Government-Backed Mortgage Insurance: Loan-Level Evidence from Dutch Residential Mortgages." De Economist 168, no. 4 (2020): 453–73. http://dx.doi.org/10.1007/s10645-020-09367-w.

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Abstract Using loan level data on mortgage loans originated by Dutch banks during 1996 to 2015, we analyse the determinants of the incidence of non-performance. We find that both the originating loan-to-value ratio (OLTV) and the debt-service-to-income ratio are significantly positively associated with the probability of non-performance. The results suggest that mortgages with government-loan-guarantees perform better. Moreover, several mortgage loan and borrower characteristics, such as the (interest-only) loan type and the underwater status of the borrower, increase credit risk. Our model pr

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Zheng, Yangyang, Jianhong Lou, Linfeng Mei, and Yushuang Lin. "Research on Digital Credit Behavior of Farmers’ Cooperatives—A Grounded Theory Analysis Based on the “6C” Family Model." Agriculture 13, no. 8 (2023): 1597. http://dx.doi.org/10.3390/agriculture13081597.

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As the main demand side of rural financial services, farmers’ cooperatives are an important part of China’s rural finance. However, due to the lack of effective collateral, farmers’ cooperatives have problems such as difficulty in obtaining loans or expensive loans, which not only hinder the high-quality development of farmers’ cooperatives, but also limit the development of regional rural finance. Digital credit as a new financing model can effectively alleviate the problems of difficult and expensive loans and has received wide attention from the government and academia. Based on this, this

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Murage, Margaret. "Mobile Loans as Financing Options in Kenya and the Financial Performance of SMEs in Low Income Areas in Nairobi County." African Journal of Empirical Research 2, no. 2 (2021): 114–22. http://dx.doi.org/10.51867/ajer.v2i2.31.

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This study sets out to examine the effect of loan accessibility on the financial performance of SMEs in urban informal settlements in Kenya. Based on the descriptive survey design, data were collected from 120 SMEs in the 6 wards of Mathare Sub-County using semi-structured questionnaires. It was analysed using descriptive and inferential statistics. The findings show that all the loan accessibility had a significant and positive relationship with the financial performance of SMEs. In this regard, enhancing loan accessibility contributed to the financial performance of SMEs in urban areas. Fina

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Nwala, P. O. Okey, J. I. Kenn Ndubuisi, and P. I. Wachukwu. "Credit risk management and the performance of Nigeriandeposit money banks." BOHR International Journal of Finance and Market Research 2, no. 1 (2023): 12–15. http://dx.doi.org/10.54646/bijfmr.2023.15.

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We have used a multiple regression model to identify the impacts of the variables of credit risk managementon the Nigerian deposit money banks’ performance from 2000 to 2020. The estimation was completed usingthe ordinary least squares method with E-Views 12. The data was sourced from the Nigerian Stock Exchange forinformation and theStatistical Bulletinof the Central Bank of Nigeria. The outcome determined that return on equity(ROE) is negatively correlated with the nonperforming loan/loan and advances ratio. Last but not least, the ROEmeasurements of the deposit money banks in Nigeria show a

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Kong Chantha, Sem Seng, Phon Ratha, and Kol Sovanvatthana. "An integrated analysis of key financial metrics driving commercial bank performance in Cambodia." International Journal of Advanced Economics 6, no. 10 (2024): 517–43. http://dx.doi.org/10.51594/ijae.v6i10.1632.

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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. Findings reveal a statistically significant positive correlation between Non-Performing Loans (NPLs) and Return on Assets (ROA), suggesting effective NPL risk management by Cambodian banks, contrary to traditional financial theory. Loan Growth (LG) does not significantly impact ROA, indicating that ex

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Oduneka, Ebere Anagha, and Anagha Emiemu Oduneka. "Impact of Unserviced Loans on Microfinance Banks’ Performance in Nigeria: A Granger Causality Approach." International Journal of Scientific Research and Management (IJSRM) 13, no. 07 (2025): 9324–31. https://doi.org/10.18535/ijsrm/v13i07.em04.

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Unserviced loan is a major credit risk facing microfinance banks due to their primary role in lending activities. The risk is often associated with more provisions for loan-loss in order to mitigateitsimpact. This study examined the impact of these credit risk variables (unserviced loans and loan-loss provisions) onthe financial performanceof microfinance banks in Nigeria, using the Granger causality approach. Secondary data covering the periods 2012 to 2018, from six purposively selected microfinance banks, was used forthe hypothesized variables in a Vector Autoregressive (VAR) Model.The unit

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M, Prof Rekha D., and Gangamma S. E. "A Study on Housing Loan Evolution and Performance in India." International Journal of Trend in Scientific Research and Development Volume-3, Issue-4 (2019): 702–6. http://dx.doi.org/10.31142/ijtsrd23883.

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Maharjan, Rashna. "Credit Portfolio Diversification and Firm Performance of Nepalese Commercial Banks." Lumbini Journal of Business and Economics 10, no. 1-2 (2022): 153–73. http://dx.doi.org/10.3126/ljbe.v10i1-2.54212.

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This study examines credit portfolio diversification and firm performance of Nepalese commercial banks. Return on asset and return on equity are selected as the dependent variables. Similarly, real estate loan, term loan, overdraft loan, deprived sector loan, capital adequacy ratio, loan to deposit ratio, and non-performing loan are selected as the independent variables. This study is based on secondary data of 22 commercial banks with 132 observations for the study period from 2015/16 to 2020/21. The data were collected from Banking and Financial statistics published by Nepal Rastra Bank, rep

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Bailey, Warren, Wei Huang, and Zhishu Yang. "Bank Loans with Chinese Characteristics: Some Evidence on Inside Debt in a State-Controlled Banking System." Journal of Financial and Quantitative Analysis 46, no. 6 (2011): 1795–830. http://dx.doi.org/10.1017/s0022109011000433.

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AbstractWe study a transitional economy where state-controlled banks make loan decisions based on noisy inside information on prospective borrowers, and may lend to avert unemployment and social instability. In China, poor financial performance and high managerial expenses increase the likelihood of obtaining a bank loan, and bank loan approval predicts poor subsequent borrower performance. Negative event study responses occur at bank loan announcements, particularly for borrowers measuring poorly on quality and creditworthiness, or for lenders or borrowers involved in litigation regarding loa

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Putri, Weny, Feby Astrid Kesaulya, and Khairunnisa Khairunnisa. "Pengaruh Non-Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap Kinerja Keuangan Perbankan." Global Financial Accounting Journal 5, no. 2 (2021): 148. http://dx.doi.org/10.37253/gfa.v5i2.6087.

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This study aims to identify whether financial ratios as measured by non-performing loans (NPL) and Loan To Deposit Ratio (LDR) have an effect on financial performance which is proxied by Net Interest Margin (NIM). The results of this study found that the level of bad loans or NPLs had a negative effect on financial performance. This is because the Bank's income does depend on the receipt of loan interest from the Customer. Meanwhile, LDR does not have a positive effect on financial performance with the assumption that a low LDR will cause the company's liquidity to increase and in the end it w

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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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Kumar Ghosh, Prokarsha. "An Empirical Analysis of Continuous Poisson Distribution and Deep Learning Models in the Context of Financial Performance in Europe." Journal of Investment, Banking and Finance 3, no. 2 (2025): 01–09. https://doi.org/10.33140/jibf.03.02.02.

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In modern worlds, the economic climate, individuals face increasing risks when taking out loans, due to rising inflation and fluctuating unemployment rates. In this era, financial risk management is the process of identifying, assessing, and mitigating risks to protect financial assets and ensure stability. Therefore, loan defaults have a ripple effect on the economy, reducing consumer spending and weakening financial stability. Unemployment Rate impacts the ability of individuals to repay loans, as higher unemployment leads to less income and higher default risks. Inflation Rate reduces purch

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Zemel, Michelle. "The Information Content of Loan Growth in Banks." Quarterly Journal of Finance 08, no. 02 (2018): 1850004. http://dx.doi.org/10.1142/s2010139218500040.

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I empirically evaluate the information content of a change in the size of a bank’s loan portfolio. I find a positive (negative) stock market reaction to loan portfolio growth in high (low) earnings banks. I also find that the information content of loan growth depends on features of the bank, the loan, and the macroeconomic state. In particular, loan growth, in conjunction with earnings, conveys meaningful information about bank value for small banks only, for commercial loans, and during normal times. Further, I posit that if the market reaction conveys meaningful information about a bank’s v

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Habamenshi, Védaste, and Dr Sébastien Gasana. "Effect of Credit Risk Management on Loan Performance among Microfinance Institutions. A Case of Réseau Interdiocésain De Microfinance (RIM Ltd) Kibuye Branch." International Journal of Research and Innovation in Social Science VII, no. VIII (2023): 750–69. http://dx.doi.org/10.47772/ijriss.2023.7854.

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This research assessed the effect of credit risk management on loan performance among microfinance institutions using a case of RIM Ltd Kibuye Branch during past five years (2015- 2019). A sample of 97 respondents was calculated using Yamane formula and randomly selected from a total population of 4334 clients of RIM Ltd including 2777 men and 1557 women, and 9 staffs. Quantitative approach was applied using a questionnaire designed in form of five levels Likert scale and analyzed using IBM SPSS Statistics 23; Qualitative approach was applied through open questions, interview and participant o

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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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Musabi, Antony Barasa, and Dr. Willis Otuya (Phd) Rev. "Loan Security Policies and Financial Performance of Savings and Credit Cooperatives in Kakamega County, Kenya." American Based Research Journal 8, no. 10 (2019): 65–77. https://doi.org/10.5281/zenodo.3534080.

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<em>Experts have observed that Saccos sector remains fragile. Evidently, SASRA recently gave strict licenses to Saccos that had failed to meet capital requirement of Kshs 10 million. Likewise, unscrupulous Saccos have also colluded among themselves to fleece members of their deposits and investments. Further, parliament recently passed a bill that made mandatory university qualification a requirement for one to hold leadership in Sacco. Though effort by all stakeholders to save troubled Sacco sector is commendable, dynamism of Sacco sector and unending desperate effort to revamp it has now put

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Asuga, Harliet Kerubo. "Credit Cost Management and Financial Performance of Hotel Businesses in Kenya." African Journal of Commercial Studies 5, no. 4 (2024): 248–56. http://dx.doi.org/10.59413/ajocs/v5.i.4.6.

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This study explores the impact of credit cost management on the financial performance of businesses in Kenya's hospitality sector. Specifically, it examines how interest rates, loan collateral, and loan repayment terms influence the profitability and financial stability of small and medium-sized enterprises (SMEs) in the industry. The study is supported by Loanable funds theory, Credit scorecards theory and Tradeoff theory. Through a desk review of existing literature, the study identifies that high interest rates increase the cost of borrowing, creating financial pressure on businesses, while

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