{"_buckets": {"deposit": "34bf3df7-58ca-4807-84bb-ad7d1a263dc8"}, "_deposit": {"id": "1690", "owners": [], "pid": {"revision_id": 0, "type": "recid", "value": "1690"}, "status": "published"}, "_oai": {"id": "oai:meral.edu.mm:recid/1690", "sets": ["user-yueco"]}, "communities": ["yueco"], "control_number": "1690", "item_1583103067471": {"attribute_name": "Title", "attribute_value_mlt": [{"subitem_1551255647225": "EFFECT OF NON-PERFORMING LOANS ON FINANCIAL PERFORMANCE OF AYA BANK This", "subitem_1551255648112": "en"}]}, "item_1583103085720": {"attribute_name": "Description", "attribute_value_mlt": [{"interim": "The objectives of the study are to explore the major causes of non-performing loans and to examine the effect of non-performing loans on financial performance of AYA bank. AYA bank has 258 branches and 507 credit officers. The study selected sample 100 credit officers from 55 branches which is 20% from target population. The study used random sampling method to select the sample and used the structured questionnaires to collect the data. Descriptive statistics was used to explore the causes of non-performing loans and multiple linear regressions were used to analyze the effect of non-performing loans on financial performance. As a result, the study revealed that borrowers can’t afford to pay the interest rate and the additional charges to get the loan, weakness in credit risk assessment procedure, lack of contact with borrowers within the lending period and insufficient insurance on collateral were the major causes of non-performing loans. Analyzing the effect of non-performing loans on financial performance, it is found that asset quality of bank is satisfied and there is no sharply increase in liability of bank by provision. Moreover, it also found that interest margin has been increasing and bank can generate the return. This study suggested that bank should make quality loan because the lending capacity is increasing year by year. To lend the more quality loan, bank should establish effective risk assessment procedure and frequent contact with borrowers to check whether they use the loan as proposed purpose or not. Moreover, bank should have the credit history of borrowers and made sufficient insurance on collateral to recover from the loan loss."}]}, "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": "Phyo Phyo Khaing (MBF - 48).pdf", "filesize": [{"value": "934 Kb"}], "format": "application/pdf", "future_date_message": "", "is_thumbnail": false, "licensetype": "license_free", "mimetype": "application/pdf", "size": 934000.0, "url": {"url": "https://meral.edu.mm/record/1690/files/Phyo Phyo Khaing (MBF - 48).pdf"}, "version_id": "0c7c2bf3-04f2-4015-8054-69d31784c119"}]}, "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": "Phyo Phyo Khaing (MBF - 48)"}]}]}, "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/123456789/640"}, "item_title": "EFFECT OF NON-PERFORMING LOANS ON FINANCIAL PERFORMANCE OF AYA BANK This", "item_type_id": "21", "owner": "1", "path": ["1582965701379"], "permalink_uri": "http://hdl.handle.net/20.500.12678/0000001690", "pubdate": {"attribute_name": "Deposited date", "attribute_value": "2020-03-05"}, "publish_date": "2020-03-05", "publish_status": "0", "recid": "1690", "relation": {}, "relation_version_is_last": true, "title": ["EFFECT OF NON-PERFORMING LOANS ON FINANCIAL PERFORMANCE OF AYA BANK This"], "weko_shared_id": -1}