文章基本信息

标题：Determinant Factors of Non-Performing Loan among Non-Bank Financial Intermediaries in Malaysia
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作者：M. A. Zariyawati ; M. T. Hirnissa ; K. A. Muhammad-Mujb 等
期刊名称：International Journal of Business and Management
印刷版ISSN：1833-3850
电子版ISSN：1833-8119
出版年度：2021
卷号：16
期号：8
页码：48
DOI：10.5539/ijbm.v16n8p48
出版社：Canadian Center of Science and Education
摘要：This study aimed to investigate the determinants of non-performing loans (NPLs) using a case of the Non-Bank Financial Intermediaries (NBFIs) in Malaysia during the period from 2009 to 2018. The study revealed that the level of NPLs can be attributed to both NBFI-specific factors (internal factors) and macroeconomic factors. The assessments on panel data analysis were done using STATA software. The results show that NBFI size, Profit (ROA), Lending Interest Rate (IR), and Inflation (INF) have a significant positive relationship with NPLs. The findings reveal that NPLs tend to increase with the deteriorating bank’s efficiency. The larger the NBFI size, higher profit, and high interest contribute to the increment of NPLs. Meanwhile, NPL also increases due to the change in economic condition, particularly with a rise in inflation rate. Hence, for NBFIs to decrease their NPLs, they should consider these factors during the lending process.
关键词：non-performing loan; internal factor; macroeconomic factor; non-bank financial intermediaries