The Effect of Bank Specific Factors on Loan Performance of HFC Bank in Ghana

Ofori-Abebrese, Grace; Pickson, Robert Becker; Opare, Eric

doi:10.5539/ijef.v8n7p185

Cited by 7 publications

(11 citation statements)

References 19 publications

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“…Namun dalam faktanya, pembebanan tingkat suku bunga kredit yang tinggi justru dapat memicu terjadinya kredit bermasalah. Pengaruh positif tingkat suku bunga kredit terhadap kredit bermasalah ditemukan pada beberapa penelitian terdahulu, seperti Beck, et al (2013), Abid, et al (2014), Viswanadham & Nahid (2015, Abebrese, et al (2016) danKurti (2016. Efek Dinamik NPL Periode Sebelumnya.…”

Section: Tingkat Suku Bunga Kreditunclassified

“…Ditemukannya pengaruh positif tingkat suku bunga kredit terhadap NPL sejalan dengan penelitian Beck, et al (2013), Abid, et al (2014), Vismawanadham &Nahid (2015), Abebrese, et al (2016) danKurti (2016.Mengacu dari tingkat sensitivitas yang dimiliki, mengindikasikan bahwa pihak debitur benar-benar sangat sensitif untuk mengalami gagal bayar ketika terjadi kenaikan tingkat suku bunga kredit. Sebaliknya jika tingkat suku bunga kredit rendah, maka tingkat kredit bermasalah akan rendah akibat rendahnya beban bunga yang ditanggung oleh debitur.…”

Section: Tingkat Suku Bunga Kreditunclassified

“…Variabel tingkat suku bunga kredit dalam analisis disimpulkan memiliki pengaruh positif terhadap NPL. Temuan tersebut sejalan dengan hasil penelitian yang dilakukan oleh Beck,et al (2013), Abid, et al (2014), Vismawanadham & Nahid (2015), Abebrese, et al (2016) danKurti (2016. Ditemukannya pengaruh positif mengindikasikan tanda yang kurang baik bagi bank, karena merupakan sebuah kompensasi atas risiko default debitur.…”

Section: Jurnal Keuangan Dan Perbankan | Perbankanunclassified

“…Bahkan pembebanan tingkat suku bunga kredit yang merupakan kompensasi risiko dapat menjadi penyebab terjadinya 1 risiko kredit yang dibebankan kepada debitur tinggi, maka akan berpotensi meningkatkan beban bunga debitur, sehingga dapat berpengaruh terhadap kualitas pembayaran pada periode berikutnya. Beck, et al (2013), Abid, et al (2014), Viswanadham dan Nahid (2015), Abebrese, et al (2016) Louzis, et al (2011) dan Abid, et al(2014 dalam penelitiannya menemukan adanya pengaruh positif tingka tekspansi kredit terhadap rasio NPL. Temuan tersebut menarik untuk dikaji mengingat penyaluran kredit merupakan kegiatan operasional utama bank untuk mendapatkan penghasilan bunga.…”

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Analisis Pengaruh Faktor Internal Bank Terhadap Non Performing Loan Berdasarkan Generalized Method of Moment

Maryandi

Yaya

Supriyono

2016

Jurnal Keuangan Dan Perbankan

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This research aims at finding out the effect of bank internal factors towards Non-Performing Loan (NPL). The internal factors of bank used in this study are credit expansion level, operational efficiency level, credit interest level, and the percentage of credit with problems in the previous period as dynamic effect. The research is very importantdue to thecondition that the ratio of NPL owned by the bank group tend to increase.Compared to previous studies (especially thosewhich took the case in Indonesia), this study had some strengths in terms of bigger sample size(using quarterly data of 97 banks during 2013 until 2015)and the use of Generalized Method of Moment(GMM) modelto analyze the effect of bank internal factor towards NPL.Based on theGMM model analysis, it can be concluded that the level of credit expansion, operational efficiency, credit interest and the percentage of credit with problems in aquarterly period ahead would give positive effect towards NPL in the following quarterly period. Meanwhile, the percentage of credit with problems in two quarterly periodsahead would give negative effect towards NPL in the followingquarterly period. PENDAHULUANSebagai lembaga intermediasi, bank sering dihadapkan dengan masalah risiko kredit. Risko ini diakibatkan oleh tidak mampunya debitur melunasi sebagian atau seluruh cicilan pinjaman yang diberikan bankataudisebutdenganterjadinya Non-

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Section: Tingkat Suku Bunga Kreditunclassified

Section: Jurnal Keuangan Dan Perbankan | Perbankanunclassified

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Analisis Pengaruh Faktor Internal Bank Terhadap Non Performing Loan Berdasarkan Generalized Method of Moment

Maryandi

Yaya

Supriyono

2016

Jurnal Keuangan Dan Perbankan

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“…Various studies (Louzis et al, 2012;Ofori-Abebrese et al, 2016;Hassan et al, 2019) are conducted to address the issue, but literature shows that the results of these studies are inconclusive and also ignore the most important region of South Asia. Therefore, the study objective is to investigate that credit risk and banks specific factors affect FP of commercial NPLs-continent wise AJAR banks in Asia or not?…”

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The effect of credit risk management and bank-specific factors on the financial performance of the South Asian commercial banks

Siddique

Khan

2021

AJAR

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PurposeAmong all of the world's continents, Asia is the most important continent and contributes 60% of world growth but facing the serving issue of high nonperforming loans (NPLs). Therefore, the current study aims to capture the effect of credit risk management and bank-specific factors on South Asian commercial banks' financial performance (FP). The credit risk measures used in this study were NPLs and capital adequacy ratio (CAR), while cost-efficiency ratio (CER), average lending rate (ALR) and liquidity ratio (LR) were used as bank-specific factors. On the other hand, return on equity (ROE) and return on the asset (ROA) were taken as a measure of FP.Design/methodology/approachSecondary data were collected from 19 commercial banks (10 commercial banks from Pakistan and 9 commercial banks from India) in the country for a period of 10 years from 2009 to 2018. The generalized method of moment (GMM) is used for the coefficient estimation to overcome the effects of some endogenous variables.FindingsThe results indicated that NPLs, CER and LR have significantly negatively related to FP (ROA and ROE), while CAR and ALR have significantly positively related to the FP of the Asian commercial banks.Practical implicationsThe current study result recommends that policymakers of Asian countries should create a strong financial environment by implementing that monetary policy that stimulates interest rates in this way that automatically helps to lower down the high ratio of NPLs (tied monitoring system). Liquidity position should be well maintained so that even in a high competition environment, the commercial is able to survive in that environment.Originality/valueThe present paper contributes to the prevailing literature that this is a comparison study between developed and developing countries of Asia that is a unique comparison because the study targets only one region and then on the basis of income, the results of this study are compared. Moreover, the contribution of the study is to include some accounting-based measures and market-based measures of the FP of commercial banks at a time.

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Influence of Expected Loan Loss on Operational Performance of Commercial Banks in Kenya

Joel,

Tibbs,

Muli

2024

JAFEE

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Purpose: The main objective of this study was to examine influence of credit risk stress testing on operational performance of commercial Kenya. The theoretical framework was based on credit risk theory. Methodology/Approach: The study used all commercial banks which are 42 it total. The adopted mixed research comprising of causal and longitudinal research designs. The study used secondary data from operational statements of banks. Descriptive applied involved skewness, kurtosis, mean and standard deviation. Multiple regression analysis was also applied. Data was presented using tables. Findings: The results revealed that expected loan loss lead to performance of commercial Banks as shown by a positive and significant coefficient of in the regression model in a fixed effect model. Implications: The study suggested that operational institutions implement a stringent policy that escalates the loss in the event of default, thereby restricting loan approvals to clients who can guarantee they will repay the loan in full.

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The Effect of Bank Specific Factors on Loan Performance of HFC Bank in Ghana

Cited by 7 publications

References 19 publications

Analisis Pengaruh Faktor Internal Bank Terhadap Non Performing Loan Berdasarkan Generalized Method of Moment

Analisis Pengaruh Faktor Internal Bank Terhadap Non Performing Loan Berdasarkan Generalized Method of Moment

The effect of credit risk management and bank-specific factors on the financial performance of the South Asian commercial banks

Influence of Expected Loan Loss on Operational Performance of Commercial Banks in Kenya

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