Cost of funds index
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The Impacts of Non-Performing Loan on Profitability: An Empirical Study on Banking Sector of Dhaka Stock Exchange Open
The Banking sector of Bangladesh is trapped in a gridlock of non-performing loans (NPLs) so much so that NPL accounts for 11.60 percent of the total volume of classified loans. This problem has started to be widening with an evil trend of …
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Behavioral determinants of nonperforming loans in Bangladesh Open
Purpose Over the last ten years (2010–2019), the amount of nonperforming loans (NPLs) has been more than tripled in the banking industry of Bangladesh. Thus, this paper explores the behavioral dimensions, which contribute to the NPLs. Desi…
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THE NATURE OF MORTGAGE REPAYMENT PLANS IN GHANA Open
Mortgage finance is one source of capital that cannot be ruled out when it comes to housing finance. It has globally aided many countries in terms of housing finance. A country’s housing finance system can work effectively if there is/are …
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Determinants of Non-Performing Loan in Nepalese Commercial Banks Open
The non-performing loans (NPL) of financial institutions are considered as a significant issue in the context of Nepal for last few decades. The paper aims to identify the impact of macroeconomic variables (GDP, Inflation, and Real Effecti…
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Determinants of Bank Lending Interest Rates in Tanzania Open
The study seeks to examine the determinants of bank lending interest rates in Tanzania, largely focusing on identifying the key determinants and their relative importance. Techniques employed comprise interest rates decomposition and econo…
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MORTGAGE FINANCING AND HOUSING DEVELOPMENT IN NIGERIA Open
This study examined mortgage financing and housing development in Nigeria. The main focus of this research was to ascertain the impact of mortgage loan in housing development in Nigeria. To achieve this objective, data were extracted from …
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INTEREST RATES AND LOAN PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA Open
There has been much speculation about the seemingly high lending rates as evident of perceived inequity on the part of bankers by their customers in reaction to huge overhang of unpaid loans in the books of Deposit Money Banks (DMBs). Data…
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THE INFLUENCE OF THIRD-PARTY FUNDS, NON-PERFORMING LOANS (NPL) ON CREDIT DISTRIBUTION WITH PROFITABILITY AS INTERVENING VARIABLE IN COMMERCIAL BANKS Open
Banks are financial institutions that collect and distribute funds in the forms of deposits such as savings, deposits, current accounts, etc. from and for people who need funds for various needs, such as for consumption, working capital or…
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Mudharabah Deposits Among Conventional Bank Interest Rates, Profit-Sharing Rates, Liquidity and Inflation Rates Open
This paper aims to examine the effect of conventional bank interest rates (CBIR), profit-sharing rates (PS), the level of liquidity proxied in the finance-to-deposit ratio (FDR) and the inflation rate (IR) against mudharabah deposits (MDs)…
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PENYELESAIAN KREDIT BERMASALAH PT. BANK PEMBANGUNAN DAERAH (BPD) SUMBAR CABANG ALAHAN PANJANG KABUPATEN SOLOK Open
In line with the rapid development in Indonesia especially economic evelopment, the financial institutions such as banks is one tool to help the smooth economy as a provider of capital in the form of credit. Banks as financial institutions…
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Liquidity Risk and the Credit Crunch of 2007–2008: Evidence from Micro-Level Data on Mortgage Loan Applications Open
Recent empirical studies have shown that during the financial crisis of 2007–2008, banks that were more heavily exposed to liquidity risk contracted their supply of credit more sharply. I contribute to the identification of this effect by …
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Assessing Banks Internal and Macroeconomic Factors as Determinants of Non- Performing Loans: Evidence from Nepalese Commercial Banks Open
This study has attempted to ascertain the factors affecting to non-performing loans in Nepalese commercial banks using a sample of ten commercial banks for the period of 2013-2017 with 50 observations, a balanced set of panel data. The des…
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Does green banking affect banks’ profitability? Open
This paper empirically investigated the impact of green banking on the financial performance of Qatari banks. This paper collected the data for all banks in Qatar during the period 2012–2021. Specifically, the data collected included all 7…
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Determinants of Non-Performing Loans: Perception of Nepali Bankers Open
The paper discusses the perception of Nepalese bankers regarding the determinants of nonperforming loan in Nepalese commercial banks. The paper is based on primary information collected from 140 bankers working in large ten commercial bank…
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Does financial inclusion reduce non-performing loans and loan loss provisions? Open
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 fi…
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Effect of Non-interest Income on Profitability of Deposit Money Banks in Nigeria Open
The study examined the effect of non-interest income on the profitability of Deposit Money Banks (DMBs) in Nigeria between 2006 and 2015. Five out of the 21 DMBs in Nigeria were purposively selected based on the numerical strength of their…
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Effects of the financial crisis and low interest rate environment on interest rate pass-through in Czech Republic, Hungary and Romania Open
In order for monetary policy’s interest rate channel to operate smoothly and effectively, the relevant retail interest rates of the real economy should react quickly and follow the movements of the prime rate. It has been observed that thi…
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EFFECT OF MORTGAGE FINANCING ON FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KENYA Open
The financial performance of commercial banks has been unstable as evidenced in Annual Supervision Report of 2011 to 2020, where the Return on Assets (ROA) rose to 6.2% in 2012 from 3% in 2011; and to below 3% in the years 2016 to 2020. Li…
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Research on Interest Rate Risk of Housing Mortgage Loan Based on Computer Simulation Open
In recent years, with the rapid increase of the business volume of housing mortgage loans of commercial banks, the risk of prepayment is increasingly exposed. Prepayment will have a great impact on the duration and convexity of housing mor…
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Tobit Regression Analysis Applied on Iraqi Bank Loans Open
It occurs quite often in economic data to find variables describing a specific phenomenon which are censored from right side or left side. When the data has to be censored from left side at censored point equal to zero, the Tobit regressio…
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AN ANALYSIS OF DEFAULT FACTORS IN RESIDENTIAL MORTGAGES OF THE FEDERAL MORTGAGE BANK OF NIGERIA Open
Purpose: The hypothesis of the study was that a multidisciplinary approach involving experienced specialists in diffuse parenchymal lung disease might improve the diagnosis of patients with COVID-19 pneumonia. Methods: Two pulmonologists, …
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The Effect of Banking Concentration on Non-Performing Loans: The Case of Albania Open
Purpose:The article examines the correlation among banking concentration and nonperforming loans using datasets of the Albanian banking sector during 2005-2017.We investigated the non-performing loans affected by market structural variable…
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Mr Bank Specific Determinants of Nonperforming Loans in Kenya Open
Purpose: This paper aims to explore the bank-specific determinants of Nonperforming Loans in Kenya. To achieve this objective, the study considers four bank-specific variables that are expected to affect the magnitude of non-performing loa…
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The Effect of Non-Performing Loans, Loan to Deposit Ratios of Operating Expenses and Operating Income On Return on Assets with Net Interest Margin as an Intervening Variable in Banking Companies Listed in Indonesia Stock Exchange Period 2019 -2021 Open
The banking sector is a state financial institution that has an important role in collecting and distributing funds to the public, with the aim of meeting capital and investment needs for fund owners. So this study was conducted for the pu…
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Examination of the Relationship between Non- performing Loans and Macro-economic Variables in Banking Sector: The Case of Turkey (2003-2020) Open
Although loans are a profitable product for banks, they inherently contain an element of risk. The financial sector in terms of the fact that a loan transferred to the economy is not paid in due time and becomes problematic, firstly affect…
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Pengaruh Dana Pihak Ketiga, Inflasi, Modal Bank, dan Suku Bunga Dasar Kredit terhadap Penyaluran Kredit Open
The purpose of this research to analyze the effect of third party fund, inflation, bank capital and prime lending rate on the distribution of credit. The samples use in this research are four stated-owned enteprises bank listed on the Indo…
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Mortgage Loans and Impacts of the Global Pandemic COVID-19 in the Globalized Society Open
Research background: The paper is focused on the financial product, esp. on mortgage loans that are often used products in the field of long-term financing in the Czech Republic. These products provide commercial banks and other financial …
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Impacts of Interest Rate Cap on Financial Inclusion in Cambodia Open
Interest rate caps, despite their intended objective of broadening financial inclusion, can have undesirable effects on financial inclusion under certain conditions. This paper examines the effect of microfinance-loan interest rate caps on…
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Multiple Borrowing and Living Standard: A Study in Bangladesh Open
The people in Bangladesh have no access to formal lending institutions. Consequently, they borrow from non government organizations (NGOs) where they do not need to show any collateral and for different reasons they borrow from more than o…
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The Effect of Lending Interest Rates on the Financial Performance of Commercial Banks in Kenya Open
The paramount significance of a robust banking sector in driving economic growth, executing effective monetary policies, and upholding macroeconomic stability cannot be overstated. This study was centered on discerning the influence of len…