{"_buckets": {"deposit": "01c5668d-fa78-47e7-bdbc-8e3c8d525a47"}, "_deposit": {"id": "1625", "owners": [], "pid": {"revision_id": 0, "type": "recid", "value": "1625"}, "status": "published"}, "_oai": {"id": "oai:meral.edu.mm:recid/1625", "sets": ["user-yueco"]}, "communities": ["yueco"], "control_number": "1625", "item_1583103067471": {"attribute_name": "Title", "attribute_value_mlt": [{"subitem_1551255647225": "CHALLENGES OF SHIFTING TOWARDS RISK-BASED FROM ASSET-BASED LENDING PRACTICE IN MYANMAR PRIVATE BANKS", "subitem_1551255648112": "en"}]}, "item_1583103085720": {"attribute_name": "Description", "attribute_value_mlt": [{"interim": "The objectives of this study to identify the risk-based lending practices of banks in Myanmar and to analyze the challenges of shifting towards risk-based from asset-based lending practice of private banks in Myanmar. This study uses descriptive analysis meth with both primary and secondary data. The primary data are collected by structured questionnaires which have been asked to the 60 staffs (15%) from out of 386 staffs who are working in credit departments of six major private banks. The analysis of the study found that issues and challenges are existed in implementing risk-based lending practice in Myanmar private banks. Based on the overall mean scores, respondent have rated the challenges in the ranking of the medium and high level of agreement. The analysis indicates that the employees are facing the high challenges in credibility of financial information and reliability of rating models and medium challenges in predicting cash flow, process efficiency and infrastructure, difficulty in obtaining audited reports, problem loan management, sustainability of business model. Some of challenges in bank’s control can be resolved within the bank internally. However, some challenges beyond the bank’s control cannot be resolved in short term. Some of the challenges are national level should be brought to related regulatory authority to promote the risk-based lending practice in Myanmar. The further studies are also advisable to do by using different parameters to explore the challenges in risk-based lending because RBL implementation period was very short, immature and possibility of changes in regulations, banking landscape, infrastructure and technology in future."}]}, "item_1583103108160": {"attribute_name": "Keywords"}, "item_1583103120197": {"attribute_name": "Files", "attribute_type": "file", "attribute_value_mlt": [{"accessrole": "open_access", "date": [{"dateType": "Available", "dateValue": "2020-05-05"}], "displaytype": "preview", "download_preview_message": "", "file_order": 0, "filename": "Nyi Nyi San (EMBF - 40).pdf", "filesize": [{"value": "703 Kb"}], "format": "application/pdf", "future_date_message": "", "is_thumbnail": false, "licensetype": "license_free", "mimetype": "application/pdf", "size": 703000.0, "url": {"url": "https://meral.edu.mm/record/1625/files/Nyi Nyi San (EMBF - 40).pdf"}, "version_id": "565857fc-190c-4cc1-83f5-ecbf62f27776"}]}, "item_1583103131163": {"attribute_name": "Journal articles", "attribute_value_mlt": [{"subitem_journal_title": "Yangon University of Economics"}]}, "item_1583103147082": {"attribute_name": "Conference papaers", "attribute_value_mlt": [{}]}, "item_1583103211336": {"attribute_name": "Books/reports/chapters", "attribute_value_mlt": [{}]}, "item_1583103233624": {"attribute_name": "Thesis/dissertations", "attribute_value_mlt": [{"subitem_supervisor(s)": []}]}, "item_1583105942107": {"attribute_name": "Authors", "attribute_value_mlt": [{"subitem_authors": [{"subitem_authors_fullname": "Nyi Nyi San (EMBF - 40)"}]}]}, "item_1583108359239": {"attribute_name": "Upload type", "attribute_value_mlt": [{"interim": "Publication"}]}, "item_1583108428133": {"attribute_name": "Publication type", "attribute_value_mlt": [{"interim": "Thesis"}]}, "item_1583159729339": {"attribute_name": "Publication date", "attribute_value": "2019-12"}, "item_1583159847033": {"attribute_name": "Identifier", "attribute_value": "https://ecor.yueco.edu.mm/handle/123456789/636"}, "item_title": "CHALLENGES OF SHIFTING TOWARDS RISK-BASED FROM ASSET-BASED LENDING PRACTICE IN MYANMAR PRIVATE BANKS", "item_type_id": "21", "owner": "1", "path": ["1582965701379"], "permalink_uri": "http://hdl.handle.net/20.500.12678/0000001625", "pubdate": {"attribute_name": "Deposited date", "attribute_value": "2020-03-05"}, "publish_date": "2020-03-05", "publish_status": "0", "recid": "1625", "relation": {}, "relation_version_is_last": true, "title": ["CHALLENGES OF SHIFTING TOWARDS RISK-BASED FROM ASSET-BASED LENDING PRACTICE IN MYANMAR PRIVATE BANKS"], "weko_shared_id": -1}