TY - JOUR AU - Bhattarai, Seema PY - 2020/12/31 Y2 - 2024/03/29 TI - An Analysis of the Perceptions of Regulatory Authorities about the Causes of Non-Performing Loans JF - Journal of Business and Social Sciences Research JA - J. Bus. Soc. Sci. Res. VL - 5 IS - 2 SE - Articles DO - 10.3126/jbssr.v5i2.35232 UR - https://www.nepjol.info/index.php/jbssr/article/view/35232 SP - 35-51 AB - <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> ER -