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Comparative study of microfinance sustainability : credit risk-taking and capital structure

Fersi, Marwa; Abbes, Mouna Boujelbène - In: International journal of management, economics and … 12 (2023) 3, pp. 184-216

microfinance institutions (MFIs) while considering the capital structure’s role in moderating the risk-taking decisions’ effect on …-performing loan indicators and financial performance was confirmed in Conventional microfinance institutions. This paper can be … performance and sustainability of microfinance institutions. …

Persistent link: https://www.econbiz.de/10014368527

Does financial inclusion affect non-performing loans and liquidity risk in the MENA region?

Hakimi, Abdelaziz; Saidi, Hichem; Adili, Lamia - In: Economies : open access journal 13 (2025) 5, pp. 1-23

Over the past decade, the debate on the microeconomic effects of financial inclusion has intensified, with a growing body of research exploring how access to financial services impacts banks' behaviors. Studying the effect of financial inclusion on bank risk is crucial because it helps...

Persistent link: https://www.econbiz.de/10015410220

Does credit growth in the EMU banking sector follow its capital adequacy?

Veselinovič, Draško; Fabijan, Janez; Vadnjal, Jaka - In: Journal of central banking theory and practice 12 (2023) 2, pp. 33-62

We put our hypothesis very straightforward, considering the euro area and the whole European Economic and Monetary Union (EMU) banking sector. The paper's central hypothesis that capital adequacy of the EMU banking sector influenced credit growth and activities in the nonfinancial sector was...

Persistent link: https://www.econbiz.de/10014316648

The empirical analysis of the impact of bank capital regulations on operating efficiency

Lotto, Josephat - In: International Journal of Financial Studies : open … 6 (2018) 2, pp. 1-11

This paper principally aims at examining the impact of capital requirements regulation on bank operating efficiency in Tanzania. The study employs bank level data for the period between 2009 and 2015. The findings show a positive and significant relationship between capital ratio and bank...

Persistent link: https://www.econbiz.de/10011883489

Does country risk impact the banking sectors' non-performing loans? : evidence from BRICS emerging economies

Saliba, Chafic; Farmanesh, Panteha; Athari, Seyed Alireza - In: Financial innovation : FIN 9 (2023) 1, pp. 1-30

This study aims to fill the gap in the literature by specifically investigating the impact of country risk on the credit risk of the banking sectors operating in Brazil, Russia, India, China, and South Africa (BRICS), emerging countries. More specifically, we explore whether the country-specific...

Persistent link: https://www.econbiz.de/10014289129

Governance matters on non-performing loans : evidence from emerging markets

Byükoğlu, Burak; Šit, Ahmet; Ekši, İbrahim Halil - In: PSL quarterly review 74 (2021) 296, pp. 75-91

In this study, new determinants of non-performing loans (NPL) for the MSCI emerging countries were investigated. For this purpose, a new index was formed using the World Bank's Worldwide Governance Indicator data from 2002 to 2018. To test the effect of governance on NPL, we used the GMM...

Persistent link: https://www.econbiz.de/10013175043

A proposed benchmark model using a modularised approach to calculate IFRS 9 expected credit loss

Schutte, Willem Daniel; Verster, Tanja; Doody, Derek; … - In: Cogent economics & finance 8 (2020) 1, pp. 1-27

The objective of this paper is to develop a methodology to calculate expected credit loss (ECL) using a transparent-modularised approach utilising three components: probability of default (PD), loss given default (LGD) and exposure at default (EAD). The proposed methodology is described by first...

Persistent link: https://www.econbiz.de/10012219286

Loan renegotiation and the long-term impact on total factor productivity

Sánchez Serrano, Antonio - In: Latin American journal of central banking : LAJCB 3 (2022) 4, pp. 1-20

When a loan is close to becoming non-performing, banks have stronger incentives to renegotiate it in favourable conditions for the borrower (loan forbearance) rather than for recognising and resolving the non-performing loan. At the aggregated level and looking at borrowers (non-financial...

Persistent link: https://www.econbiz.de/10014375471

Analysis of granularity adjustment for regulatory capital

Krali, Mario; Gurov, Andrey - In: Journal of central banking theory and practice 8 (2019) 3, pp. 111-132

The lack of portfolio granularity in terms of exposure has been shown to have important implications for the amount of a financial institution's economic capital. Based on a numerical simulation model, we provide concrete examples of how granularity affects capital levels. We achieve this by...

Persistent link: https://www.econbiz.de/10012101497

Macroeconomic, institutional and bank-specific determinants of non-performing loans in emerging market economies : a dynamic panel regression analysis

Bayar, Yılmaz - In: Journal of central banking theory and practice 8 (2019) 3, pp. 95-110

Banking sector is important for various macroeconomic and microeconomic variables in terms of mobilization of funds, increasing savings, and providing alternative investment instruments suited to the every person by minimizing the risk of adverse selection and moral hazard, allocating funds to...

Persistent link: https://www.econbiz.de/10012101485