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논문 기본 정보
- 자료유형
- 학술저널
- 저자정보
- 발행연도
- 2014.12
- 수록면
- 1,591 - 1,598 (8page)
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The reviews of the balance sheet of commercial banks showed that loan item consti-tutes the largest portion of bank`s assets. Although the sector has highest rate of profit, it possesses the greatest risk. Identifying factors that can contribute in lifting-up the loan repayment rate of customers of Hawassa district commercial bank is the major goal of this study. A sample of 183 customers who took loan from October, 2005 to April, 2012 was taken from the bank record. Kaplan-Meier estimation method and univariate Cox proportional hazard model were applied to identify factors affecting bank loan re-payment rate. The result from Kaplan-Meier survival estimation revealed that the loan repayment rate is significantly related with loan type, and previous loan experience, educational level and mode of repayment. The log-rank test indicates that the survival probability of loan customers is not statistically different in repaying the loan among groups classified by sex. Moreover, the univariate Cox proportional hazard model result portrayed that educational level, having previous loan experience, mode of repayment, collateral type and purpose of loan are significantly related with loan repayment rate of customers commercial bank. Hence, banks should design loan strategies giving special emphasis on the significant factors while they are giving loans to their customers.
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참고문헌 (9)
참고문헌 신청
1. [학위논문] - Berger, A. N. / 2005 / Relationship of lending and lines of credit in small firms finance / 박사 / Federal University of Technology
2. [단행본] - Cochran, W. G. / 1977 / Sampling techniques / John Wiley & Sons
3. [학술지(정기간행물)] - Harhofff, D. / 2008 / Lending relationship in Germany-empirical evidence from survey data / Journal of Banking and Finance 22 : 1317 ~ 1353
4. [학술지(정기간행물)] - Na u, B. A. / 2005 / Loan defaults and consequences for bank performance / Journal of Nigeria Deposit Insurance Corporation 5 : 2 ~ 4
5. [학위논문] - Nwankwo, B. A. / 2001 / Determinants of repayment behaviour in the centenary rural development bank in Uganda / 박사 / Ohio State University
2. [단행본] - Cochran, W. G. / 1977 / Sampling techniques / John Wiley & Sons
3. [학술지(정기간행물)] - Harhofff, D. / 2008 / Lending relationship in Germany-empirical evidence from survey data / Journal of Banking and Finance 22 : 1317 ~ 1353
4. [학술지(정기간행물)] - Na u, B. A. / 2005 / Loan defaults and consequences for bank performance / Journal of Nigeria Deposit Insurance Corporation 5 : 2 ~ 4
5. [학위논문] - Nwankwo, B. A. / 2001 / Determinants of repayment behaviour in the centenary rural development bank in Uganda / 박사 / Ohio State University
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UCI(KEPA) : I410-ECN-0101-2018-041-001375904