نوع مقاله : پژوهشی
تازه های تحقیق
عنوان مقاله English
نویسندگان English
Non-performing loans (NPLs) are among the major consequences of the monetary and credit activities of banks and financial institutions, disrupting liquidity circulation, delaying credit allocation to productive sectors, and ultimately exacerbating economic recession. Accordingly, focusing on Tourism Bank, the present study identifies, prioritizes, and analyzes the causal–systemic structure of the inhibiting factors affecting the recovery of NPLs in the banking network. During the data-collection stage, following a review of the relevant literature and the extraction of the influential inhibiting factors, researcher-developed questionnaires tailored to the requirements of each method employed were designed and administered to experts. The study's expert panel consisted of 10 senior managers, heads, and specialists from the credit and loan departments of Tourism Bank, selected through purposive judgmental sampling due to the specialized nature of the problem. To achieve a comprehensive analysis, a hybrid framework of decision-making methods was utilized. Consequently, in the first step, the Best-Worst Method (BWM) was used for the initial weighting of indicators and screening of less important criteria; in the next step, DEMATEL was applied to examine the causal structure, the strength of influence, and the degree of influence among the variables; and finally, MICMAC analysis was used to systematically classify the factors based on their driving power and dependence. The results showed that “intra-organizational” inhibiting factors had the dominant share in the formation of NPLs.
کلیدواژهها English
Copyright © Hasan Bagherinasab, Mohammad Reza Gholamian
License
This article is released under the Creative Commons Attribution (CC BY 4.0) license. Anyone is free to copy, share, translate, and adapt this article for any purpose, whether commercial or non-commercial, as long as proper citation is given to the authors and original publication.
