An Analysis of the Perceptions of Regulatory Authorities about the Causes of Non-Performing Loans

Authors

  • Seema Bhattarai KUSOM, Nepal

DOI:

https://doi.org/10.3126/jbssr.v5i2.35232

Keywords:

bank and financial institutions, non-performing loan, regulators

Abstract

The purpose of this study is to identify the causes of non-performing loans (NPAs) from regulators’ perspective and ways to minimise it. The primary data through two interviews from two regulators are taken as a method of data collection. The major findings of the study are that pressure to remain profitable by banks, personal problems; lack of best banking practice, professionalism, earthquake, conflict period, economic cycle may be the reasons behind high non-performing loan in Nepal. Regulators perceived that prudent credit assessment and decision; counselling of customer problem and development of prudent credit culture may help to reduce non-performing loans in Nepal.

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Author Biography

Seema Bhattarai, KUSOM, Nepal

MPhil Student

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Published

2020-12-31

How to Cite

Bhattarai, S. (2020). An Analysis of the Perceptions of Regulatory Authorities about the Causes of Non-Performing Loans. Journal of Business and Social Sciences Research, 5(2), 35–51. https://doi.org/10.3126/jbssr.v5i2.35232

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Section

Articles