Non-performing loan and economic determinants in Asia-Pacific countries: evidence from credit card debt
Credit card loans are one of the NPL classified as doubtful requiring 50% provisioning and those which are more than 6 months in arrears should be classified as bad requiring 100% provisioning which has the high potential loss for banks when the users unable to pay back the amount. Country macroeco...
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| Format: | Article |
| Language: | English |
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Blue Eyes Intelligence Engineering & Sciences Publication
2019
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| Online Access: | http://psasir.upm.edu.my/id/eprint/81490/1/Non-performing%20loan%20and%20economic%20determinants%20in%20Asia-Pacific%20countries%20evidence%20from%20credit%20card%20debt.pdf |
| _version_ | 1825951448328830976 |
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| author | Soh, Wei Ni |
| author_facet | Soh, Wei Ni |
| author_sort | Soh, Wei Ni |
| collection | UPM |
| description | Credit card loans are one of the NPL classified as doubtful requiring 50% provisioning and those which are more than 6 months in arrears should be classified as bad requiring 100% provisioning which has the high potential loss for banks when the users unable to pay back the amount. Country macroeconomics indicator leads to a rise in delinquency rates
after controlling for credit supply and shocks like divorce and
health coverage we investigate whether consumer propensity for delinquency and bankruptcy. The study sample consisted of 4 countries with 2 types of market classification which are
developed countries by Singapore and Hong Kong, and emerging countries, Malaysia and Korea. A balanced panel regression shows unemployment rate play a significant variable to explain the NPL due to the credit card debt outstanding. The country development status helps in enhancing the reliability of the study. |
| first_indexed | 2024-03-06T10:30:10Z |
| format | Article |
| id | upm.eprints-81490 |
| institution | Universiti Putra Malaysia |
| language | English |
| last_indexed | 2024-03-06T10:30:10Z |
| publishDate | 2019 |
| publisher | Blue Eyes Intelligence Engineering & Sciences Publication |
| record_format | dspace |
| spelling | upm.eprints-814902021-01-29T21:37:21Z http://psasir.upm.edu.my/id/eprint/81490/ Non-performing loan and economic determinants in Asia-Pacific countries: evidence from credit card debt Soh, Wei Ni Credit card loans are one of the NPL classified as doubtful requiring 50% provisioning and those which are more than 6 months in arrears should be classified as bad requiring 100% provisioning which has the high potential loss for banks when the users unable to pay back the amount. Country macroeconomics indicator leads to a rise in delinquency rates after controlling for credit supply and shocks like divorce and health coverage we investigate whether consumer propensity for delinquency and bankruptcy. The study sample consisted of 4 countries with 2 types of market classification which are developed countries by Singapore and Hong Kong, and emerging countries, Malaysia and Korea. A balanced panel regression shows unemployment rate play a significant variable to explain the NPL due to the credit card debt outstanding. The country development status helps in enhancing the reliability of the study. Blue Eyes Intelligence Engineering & Sciences Publication 2019 Article PeerReviewed text en http://psasir.upm.edu.my/id/eprint/81490/1/Non-performing%20loan%20and%20economic%20determinants%20in%20Asia-Pacific%20countries%20evidence%20from%20credit%20card%20debt.pdf Soh, Wei Ni (2019) Non-performing loan and economic determinants in Asia-Pacific countries: evidence from credit card debt. International Journal of Recent Technology and Engineering (IJRTE), 7 (6S5). pp. 1609-1614. ISSN 2277-3878 |
| spellingShingle | Soh, Wei Ni Non-performing loan and economic determinants in Asia-Pacific countries: evidence from credit card debt |
| title | Non-performing loan and economic determinants in Asia-Pacific countries: evidence from credit card debt |
| title_full | Non-performing loan and economic determinants in Asia-Pacific countries: evidence from credit card debt |
| title_fullStr | Non-performing loan and economic determinants in Asia-Pacific countries: evidence from credit card debt |
| title_full_unstemmed | Non-performing loan and economic determinants in Asia-Pacific countries: evidence from credit card debt |
| title_short | Non-performing loan and economic determinants in Asia-Pacific countries: evidence from credit card debt |
| title_sort | non performing loan and economic determinants in asia pacific countries evidence from credit card debt |
| url | http://psasir.upm.edu.my/id/eprint/81490/1/Non-performing%20loan%20and%20economic%20determinants%20in%20Asia-Pacific%20countries%20evidence%20from%20credit%20card%20debt.pdf |
| work_keys_str_mv | AT sohweini nonperformingloanandeconomicdeterminantsinasiapacificcountriesevidencefromcreditcarddebt |