دانلود مقاله با موضوع عوامل تعیین کننده رفتاری وام های غیرجاری در بنگلادش
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موضوع به انگلیسی:Behavioral determinants of
nonperforming loans
in Bangladesh
بخشی از متن:Abstract
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.
Design/methodology/approach – By analyzing social, cultural, psychological, political, economic, internal
control mechanism and law enforcement contexts of Bangladesh, this study identifies nepotism (NE), moral
hazard (MH ), inadequate collateral (IC), poor credit assessment (CA), lack of proper monitoring (LPM),
repayment flexibility (RF), business risk (BR) and lending interest rate (LIR) as the catalysts of raising NPLs.
Next, a structured questionnaire survey has been performed in Bangladesh among bank officials who closely
work in credit risk management, credit supervision, corporate finance and loan recovery department. Finally,
partial least squares (PLS) path modeling, a variance-based technique of structural equation modeling, is used
in this study as a statistical tool to analyze the data.
Findings – This study finds that moral hazard problem, lack of proper monitoring, inadequate collateral and
nepotism have significant positive impact on the raising of NPLs. Unfortunately, this study does not find any
statistical significance of poor credit assessment, business risk and repayment flexibility on the NPLs in
Bangladesh. Finally, this study reveals that lending interest rate has significant positive impact on the NPLs.
Hence, this study concludes that domestic lending interest rate is not lower enough, and so this double-digit
interest rate affects negatively to loan repayment.
Research limitations/implications – This study concludes that moral hazard problem of borrower, lack of
board independence, lack of proper monitoring, form and extent of collateral, management lobbying,
indecorous personal guarantee by management, dependent-independent directors and nepotism are
extensively contributing for occurring NPLs in Bangladesh. These noninstitutionalized stimulators should
adequately be scrutinized by regulatory bodies, policy makers and banks. Besides, LIR needs to be decreased in
a convenient level for mitigating NPLs.
Originality/value – This study is the empirical evidence of behavioral dimensions related with the growth of
NPLs in Bangladesh by taking direct response from knowledgeable bankers.
Keywords Bangladesh, Banking industry, Behavioral dimensions, Structural equation modeling
Paper type Research paper
