{"_buckets": {"deposit": "f33b9de2-bced-4b58-b94f-109ae76fa280"}, "_deposit": {"created_by": 20, "id": "12482", "owner": "20", "owners": [20], "owners_ext": {"displayname": "", "username": ""}, "pid": {"revision_id": 0, "type": "depid", "value": "12482"}, "status": "published"}, "_oai": {"id": "oai:meral.edu.mm:recid/00012482", "sets": ["1582963436320"]}, "author_link": [], "item_1583103067471": {"attribute_name": "Title", "attribute_value_mlt": [{"subitem_1551255647225": "The Effect of Credit Risk Management Practices on Financial Performance in Metro Bank ( Win Nay Linn, 2025)", "subitem_1551255648112": "en"}]}, "item_1583103085720": {"attribute_name": "Description", "attribute_value_mlt": [{"interim": "The primary objective of this study is to examine the impact of credit risk management practices on the financial performance of Metro Bank. A quantitative method was used with primary and secondary data. Primary data were acquired from 105 credit operations personnel at the bank\u0027s Yangon headquarters. The paper examines five key credit risk management aspects: identification, control, monitoring, collection policy, and mitigation. Data analysis was conducted using descriptive statistics, reliability testing, correlation analysis, and multiple regression techniques. The findings indicate that all five practices play an essential role in sustaining financial performance. Among them, collection policy and credit mitigation measures were identified as the most influential, significantly reducing loan defaults and minimizing potential financial losses. Credit risk identification and control also demonstrated strong positive effects, while credit monitoring contributed in a supportive capacity. These results confirm that effective credit risk management is a vital driver of profitability, asset quality, and long-term stability. Practical recommendations include strengthening recovery procedures, enhancing collateral and guarantee mechanisms, diversifying loan portfolios, and providing continuous training for credit staff. The study concludes that Metro Bank can achieve sustainable growth and competitive advantage through robust, outcome-driven risk management strategies. Future research should explore additional factors such as employee expertise, technological adoption, and organizational culture, as well as comparative and longitudinal analyses across banks to deepen understanding of credit risk management in Myanmar’s financial sector."}]}, "item_1583103120197": {"attribute_name": "Files", "attribute_type": "file", "attribute_value_mlt": [{"accessrole": "open_access", "date": [{"dateType": "Available", "dateValue": "2026-03-31"}], "displaytype": "preview", "download_preview_message": "", "file_order": 0, "filename": "Win Nay Lin, EMBF-36, 11th Batch.pdf", "filesize": [{"value": "442 KB"}], "format": "application/pdf", "future_date_message": "", "is_thumbnail": false, "licensetype": "license_0", "mimetype": "application/pdf", "size": 442000.0, "url": {"url": "https://meral.edu.mm/record/12482/files/Win Nay Lin, EMBF-36, 11th Batch.pdf"}, "version_id": "64ee0c76-275c-45af-ab20-7cd555f46047"}]}, "item_1583103233624": {"attribute_name": "Thesis/dissertations", "attribute_value_mlt": [{"subitem_awarding_university": "Yangon University of Economics", "subitem_supervisor(s)": [{"subitem_supervisor": "Dr. May Su Myat Htway Aung"}]}]}, "item_1583105942107": {"attribute_name": "Authors", "attribute_value_mlt": [{"subitem_authors": [{"subitem_authors_fullname": "Win Nay Linn"}]}]}, "item_1583108359239": {"attribute_name": "Upload type", "attribute_value_mlt": [{"interim": "Other"}]}, "item_1583108428133": {"attribute_name": "Publication type", "attribute_value_mlt": [{"interim": "Thesis"}]}, "item_1583159729339": {"attribute_name": "Publication date", "attribute_value": "2025-11-01"}, "item_title": "The Effect of Credit Risk Management Practices on Financial Performance in Metro Bank ( Win Nay Linn, 2025)", "item_type_id": "21", "owner": "20", "path": ["1582963436320", "1582965701379"], "permalink_uri": "https://meral.edu.mm/records/12482", "pubdate": {"attribute_name": "Deposit date", "attribute_value": "2026-03-31"}, "publish_date": "2026-03-31", "publish_status": "0", "recid": "12482", "relation": {}, "relation_version_is_last": true, "title": ["The Effect of Credit Risk Management Practices on Financial Performance in Metro Bank ( Win Nay Linn, 2025)"], "weko_shared_id": -1}