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2020, vol. 22, br. 1, str. 31-45
Karakteristike loših zajmova depozitnih banaka u Nigeriji
aCrescent University, Department of Accounting, Abeokuta, Ogun State, Nigeria + Institute of Chartered Accountants of Nigeria, Nigeria
bBabcock University, Department of Accounting, Ilishan Remo, Ogun State, Nigeria + Institute of Chartered Accountants of Nigeria, Nigeria
cCrescent University, Department of Business and Finance, Abeokuta, Ogun State, Nigeria

e-adresaabbeysanyaolu15@yahoo.com
Ključne reči: specifični pokazatelji banaka; depozitne banke; makroekonomski pokazatelji; fiksni učinak i loši zajmovi
Sažetak
Kreditni rizik predstavlja jedan od najvećih izazova sa kojima se suočavaju banke u Nigeriji. Implicitno, on predstavlja izazov koji ima pogubne posledice po njihovo poslovanje i opstanak, jer je čitav niz problema u poslovanju banaka značajno povezan sa lošim zajmovima. Stoga, u ovoj studiji se ispituju bankovno specifične i makroekonomske odrednice loših zajmova, u ovom slučaju loših zajmova depozitnih banaka (DB) u Nigeriji. U ovoj studiji primenjena je regresiona analiza, koja uključuje fiksni učinak, u cilju analize panel podataka 10 izabranih depozitnih banaka, u periodu 2008-2017. Rezultati do kojih se došlo pokazuju da racio adekvatnosti kapitala, veličina i racio zajmova u odnosu na ukupnu aktivu banaka negativno i značajno utiču na loše zajmove, dok, s druge strane, profitabilnost i godište značajno, ali pozitivno, utiču na loše zajmove depozitnih banaka u Nigeriji. Štaviše, racio likvidnosti negativno, ali beznačajno, utiče na loše zajmove. Međutim, nijedna od makroekonomskih varijabli ne utiče značajno na loše zajmove. U studiji se daju preporuke u smislu da bi banke uvek trebalo da razvijaju strategije za upravljanje kreditnim rizikom, uzimajući u obzir bankovno specifične i ekonomske odrednice loših zajmova odobrenih od strane banaka.
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O članku

jezik rada: engleski
vrsta rada: izvorni naučni članak
DOI: 10.5937/ekonhor2001031S
objavljen u SCIndeksu: 04.05.2020.
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