This work is licensed under a
Creative Commons Attribution 4.0 International License
Abedola, S., Wan Yusoff, W., & Dalahan, J. (2011). An ARDL approach to the determinants of nonperforming loans in Islamic banking system in Malaysia. Kuwait Chap Arabian J Bus Manag Rev, 1(1), 20-30.
Agresti, A. -M., Baudino, P., & Poloni, P. (2008). The ECB and IMF Indicators for the Macro-prudential Analysis of the Banking Sector: European Central Bank.
Akerlof G.A. (1970). The Market for Lemons,: Quality Uncertainty and the Market Mechanism; The Quaterly Journal of Economics 84(3).
Aleamoni, L. M. (1976). The relation of sample size to the number of variables in suing factor analysis techniques,. Educational and Psychological Measurement, 36, 879-883.
Ary, D., Jacobs, L., & Razavieh, A. (1996). Introduction to research in education. Orlando, Florida: Holt, Rinehart and Winston: Inc.
Asari, F., Muhamad, N., Ahmad, W., Latif, N., Addullah, N., & Jusoff, K. (2011). An Analysis of Non-Performing Loan, Interest Rate and Inflation Rate Using Stata Software. World Applied Sciences Journal, 12, 41-48.
Ayalew, T. (2009). SCHOOL OF LAW. Addis Ababa University.
Babbie, E. R. (2001). The Practice of Social Research (Belmont, CA: Wadsworth Thomson Learning, 9th edn).
Badar, M., & Yasmin Javid, A. (2013). Impact of Macroeconomic Forces on Nonperforming Loans: An Empirical Study of Commercial Banks in Pakistan. WSEAS Transactions on Business & Economics, 10(1).
Basel Committee. (2001). Sound Practices for the Management and Supervision of Operational Risk. Basel Committee on Banking Supervision.
Bercoff, J. J., di Giovanni, J., Grimard, F., & Welcome, P. A. C. (2002). Argentinean Banks, Credit Growth and the Tequila Crisis: A Duration Analysis. Unpublished Paper.
Bonilla, C. A. O. (2011). Macroeconomic determinants of the Non-Performing Loans in Spain and Italy. University of Leicester.
Boudriga, A., Taktak, N. B., & Jellouli, S. (2009a). Bank specific, business and institutional environment determinants of nonperforming loans: Evidence from MENA countries. Paper for ERF сonference on «Shocks, Vulnerability and Therapy», Cairo, Egypt.
Boudriga, A., Taktak, N. B., & Jellouli, S. (2009b). Banking supervision and nonperforming loans: a cross-country analysis. Journal of financial economic policy, 1(4), 286-318.
Boyd, J. H., & De Nicolo, G. (2005). The theory of bank risk taking and competition revisited. The journal of finance, 60(3), 1329-1343.
Brownbridge, M. (1998). The causes of financial distress in local banks in Africa and implications for prudential policy.
Camerer, C. F., & Johnson, E. J. (1997). 10 The process-performance paradox in expert judgment: How can experts know so much and predict so badly? Research on judgment and decision making: Currents, connections, and controversies, 342.
Chijoriga, M. (1997). Application of credit scoring and financial distress prediction models to commercial banks lending: the case of Tanzania. Wirts Chaftsnnversitat Wien (WU), Vienna.
Collin-Dufresne, P., & Goldstein, R. S. (2001). Do credit spreads reflect stationary leverage ratios? The journal of finance, 56(5), 1929-(1957).
De Juan, A. (2003). From good bankers to bad bankers: Ineffective supervision and management deterioration as major elements in banking crises. Journal of Banking Regulation, 4(3), 237-246.
Dillman, D. A. (2000). Mail and internet surveys: The tailored design method (Vol. 2): Wiley New York.
Dinc, I. S. (2005). Politicians and banks: Political influences on government-owned banks in emerging markets. Journal of Financial Economics, 453-479.
Drees, B., & Pazarbasioglu, C. (1998). The Nordic banking crises: pitfalls in financial liberalization?: International monetary fund.
Espinoza, R. A., & Prasad, A. (2010). Nonperforming loans in the GCC banking system and their macroeconomic effects: International Monetary Fund.
Fofack, H. (2005). Nonperforming loans in Sub-Saharan Africa: causal analysis and macroeconomic implications. World Bank Policy Research Working Paper (3769).
Gonzalez-Hermosillo, B. (1999). Determinants of ex-ante banking system distress: a macro-micro empirical exploration of some recent episodes: International Monetary Fund.
Hughes, J. P., Lang, W., Mester, L. J., & Moon, C. -G. (1996). Efficient banking under interstate branching. Journal of Money, Credit and Banking, 1045-1071.
Saba, I., Kouser, R., & Azeem, M. (2012). Determinants of Non Performing Loans: Case of US Banking Sector. The Romanian Economic Journal, Year XV(44).
Jiménez, G., Ongena, S., Peydro-Alcalde, J. L., & Saurina, J. (2007). Hazardous times for monetary policy: what do twenty-three million bank loans say about the effects of monetary policy on credit risk?: Centre for Economic Policy Research.
Kaminsky, G. L., & Reinhart, C. M. (1999). The twin crises: the causes of banking and balance-of-payments problems. American economic review, 473-500.
Kaplin, A., Levy, A., Qu, S., Wang, D., Wang, Y., & Zhang, J. (2009). The relationship between default risk and interest rates: An empirical study. Moody's Analytics, Moody's KMV Company.
Keeton, W. R. (1999). Does faster loan growth lead to higher loan losses? Economic Review-Federal Reserve Bank Of Kansas City, 84, 57-76.
Keeton W. & C. S. Morris (1987). Why Do Banks' Loan Losses Differ? Federal Reserve Ban of Kansas City, Economic Review, May, pp.3-21.
Khan, H., ur Rehman, S., Rasli, A. M., Khan, F., & Mehri, M. Political Risk and Some Other Factors Causing Non-Performing Loans in Pakistan: An Empirical Study of Pakistani Commercial Banks.
Khemraj, T., & Pasha, S. (2009). The determinants of non-performing loans: an econometric case study of Guyana.
Khwaja, A. I., & Mian, A. (2005). Do lenders favor politically connected firms? Rent provision in an emerging financial market. The Quarterly Journal of Economics, 120(4), 1371-1411.
Kim, C. N., Michael Chung, H., & Paradice, D. B. (1997). Inductive modeling of expert decision making in loan evaluation: a decision strategy perspective. Decision Support Systems, 21(2), 83-98.
Kwack, S. Y. (2000). An empirical analysis of the factors determining the financial crisis in Asia. Journal of Asian Economics, 11(2), 195-206.
Masood, O. (2009). Determinants of Non-performing Bank Loans and Bank Loan Recovery in Pakistan A survey approach. Euro-Mediterranean Economics And Finance Review, 89-104.
Masood, O., Bellalah, M., & Mansour, W. (2010). Non-performing bank loans and Credit Managers' Role: A Comparative Approach from Pakistan and Turkey. International Journal Of Business, 15(3), 347-362.
Nanto, D. K., & Sinha, R. (2002). China's banking reform. Post-Communist Economies, 14(4), 469-493.
Nkusu, M. (2011). Nonperforming loans and macrofinancial vulnerabilities in advanced economies. IMF Working Papers, 1-27.
Patnaik, I., & Shah, A. (2004). Interest rate volatility and risk in Indian banking (Vol. 4): International Monetary Fund.
Pain, D. (2003). The provisioning experience of the major UK banks: a small panel investigation: Bank of England.
Petersson, J., & Wadman, I. (2004). Non Performing Loans-the markets of Italy and Sweden.
Rajan, R., & Dhal, S. C. (2003). Non-performing loans and terms of credit of public sector banks in India: An empirical assessment. Occasional Papers, 24(3), 81-121.
Reddy, P. K. (2002). A comparative study of Non-performing assets in India in the Global contextsimilarities and dissimilarities, Remedial measures. Retrieved on March, 23, (2012).
Reynolds, S. E., Ratanakomut, S., & Gander, J. (2000). Bank financial structure in pre- crisis East and Southeast Asia. Journal of Asian Economics, 11(3), 319-331.
Salas, V. & Saurina, J. (2002). Credit Risk in Two Institutional Regimes: Spanish Commercial and Savings Banks. Journal of Financial Services Research, 22(3), 203-224.
Šarlija, N., & Harc, M. (2012). The impact of liquidity on the capital structure: a case study of Croatian firms. Business Systems Research, 3(1), 30-36.
Shaer Biabani, S. G. (2012). Assessment of Effective Factors on Non-Performing Loans (NPLs) Creation: Empirical Evidence from Iran (2006-2011). Journal of Basic and Applied Scientific Research.
Haneef, S., Riaz, T., Ramzan, M., Rana, M. A., Ishaq, H. M., & Karim, Y. (2012). Impact of risk management on non-performing loans and profitability of banking sector of Pakistan. International Journal of Business and Social Science 3(7) (2012).
Sinkey, J. F. (1992). Commercial bank financial management in the financial services industry: Macmillan New York, NY.
Sorge, Marco (2004). Stress-testing financial systems an overview of current mythologies., BIS Working Papers No. 165, December. WSEAS Transations on Business and Economics.
State Bank of Pakistan, 2010. Annual Report 2009-10. Available at: http: /www. sbp. org. pk/reports/annual/arFY10/MoneyBanking. pdf.
Stiglitz, J. E., & Weiss, A. (1981). Credit rationing in markets with imperfect information. The American Economic Review, 393-410.
Strischek D. 2000: The Quotable Five C's, Journal of Lending & Credit Risk Management, 82(7): 47-49.
Weinberg, J. A. (1995). Cycles in lending standards? ECONOMIC QUARTERLY- FEDERAL RESERVE BANK OF RICHMOND, 81, 1-18.
Zhang, W. (2011). The role of banks in transition economies: a case study of China with an emphasis on non-performing loans. © Wei Zhang.
 S. Aynalem, "Factors Affecting Non-Performing Loans in Commercial Bank of Ethiopia", SSRN Electronic Journal , 2016DOI: https://doi.org/10.2139/ssrn.3215668
 P. Rosenkranz, J. Lee, "Nonperforming Loans in Asia: Determinants and Macrofinancial Linkages", SSRN Electronic Journal , 2019DOI: https://doi.org/10.2139/ssrn.3357289