@article{Bhattarai_2020, title={An Analysis of the Perceptions of Regulatory Authorities about the Causes of Non-Performing Loans}, volume={5}, url={https://www.nepjol.info/index.php/jbssr/article/view/35232}, DOI={10.3126/jbssr.v5i2.35232}, abstractNote={<p>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.</p>}, number={2}, journal={Journal of Business and Social Sciences Research}, author={Bhattarai, Seema}, year={2020}, month={Dec.}, pages={35–51} }