Please use this identifier to cite or link to this item: https://hdl.handle.net/10321/5543
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dc.contributor.authorMsomi, Thabiso Sthembisoen_US
dc.date.accessioned2024-09-22T19:26:52Z-
dc.date.available2024-09-22T19:26:52Z-
dc.date.issued2022-01-19-
dc.identifier.citationMsomi, T.S. 2022. Factors affecting non-performing loans in commercial banks of selected West African countries. Banks and Bank Systems. 17(1): 1-12 p. doi:10.21511/bbs.17(1).2022.01en_US
dc.identifier.issn1816-7403-
dc.identifier.issn1991-7074 (Online)-
dc.identifier.urihttps://hdl.handle.net/10321/5543-
dc.description.abstractThis paper examines the macro-economic and bank-specific factors affecting non-performing loans in commercial banks. Using 47 listed commercial banks from six countries, namely 19 banks from Nigeria, 14 banks from Benin, 3 banks from Burkina Faso, 3 banks from Gambia, 3 banks from Guinea, and 5 banks from Liberia for the period 2008 to 2019, fixed and random effect model was used. The Hausman test favored the selection of fixed effect model, and it was found from the estimation that the liquidity ratio, capital adequacy ratio and inflation rate significantly affect non-performing loans. As a result, it is advised that banks depend not only on their ability to achieve the capital adequacy ratio, but also guarantee that loans are thoroughly scrutinized before being issued to beneficiaries. Bank managers should guarantee that banking staff is not simply awarding loans to secure their jobs by accumulating deposits from consumers at the price of the bank’s long-term stake. In addition, the economies of West Africa should keep their inflation rates low so that repayment of loans on time is cheap and realistic. Acknowledgment I would like to appreciate Fezile Nonjabulo Gcwabaza for love and support throughout this research project.en_US
dc.format.extent13 pen_US
dc.language.isoenen_US
dc.publisherLLC CPC Business Perspectivesen_US
dc.relation.ispartofBanks and Bank Systems; Vol. 17, Issue 1en_US
dc.subject1502 Banking, Finance and Investmenten_US
dc.subject3502 Banking, finance and investmenten_US
dc.subjectNon-performing loansen_US
dc.subjectWest Africaen_US
dc.subjectCommercial banksen_US
dc.subjectCredit risken_US
dc.subjectEconomic growthen_US
dc.titleFactors affecting non-performing loans in commercial banks of selected West African countriesen_US
dc.typeArticleen_US
dc.date.updated2024-09-18T11:53:47Z-
dc.publisher.urihttp://dx.doi.org/10.21511/bbs.17(1).2022.01en_US
dc.identifier.doi10.21511/bbs.17(1).2022.01-
item.grantfulltextopen-
item.cerifentitytypePublications-
item.fulltextWith Fulltext-
item.openairecristypehttp://purl.org/coar/resource_type/c_18cf-
item.languageiso639-1en-
item.openairetypeArticle-
Appears in Collections:Research Publications (Accounting and Informatics)
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