stable finance. One efficient way to promote SME financing is through credit guarantee schemes, where the government … guarantees a portion (ratio) of a loan provided by a bank to an SME. This research provides a theoretical model and an empirical … analysis of factors that determine optimal credit guarantee ratio. The ratio should be able to fulfill the government's goal of …

bank-specific factors. The purpose of this study is to detect homogeneous credit risk groups by geographical locations … bank's financial performance and stability. Banks meet the growth rate of NPLs when the debtors are not able to meet their … diversified investment strategies by reducing the overall risk of the credit portfolios …