Factors Affecting NPAs in Indian Banking Sector

Paradigm ◽  
2021 ◽  
Vol 25 (2) ◽  
pp. 181-193
Author(s):  
Nitya Garg

Banking sector is the backbone of any economy, so it is necessary to focus on its performance which is largely affected by its non-performing assets (NPAs). In the year 2018–2019, NPA of scheduled banks was Rs 355,076 Crore which is 3.7% of net advances. The purpose of this study is to identify the determinants based on analysis from previous literatures, and majorly macroeconomic and bank specific factors which are affecting NPAs using the relative weight analysis and to frame a model to predict future NPAs using multiple regression model using SPSS. The study also attempts to focus on actions and remedies that banks should make to control future NPAs. Findings of the study will act as a scaffolding for financial analysts and policymakers to prevent the conversion of its performing assets into NPAs and also help in proper management of banks and also in the recovery of economy.

2020 ◽  
Author(s):  
Ha Nam Khanh Giao ◽  
Pham Ngoc Duong ◽  
Tran Ngoc Tu

This study was conducted to find out the factors affecting the consumers’ choice of wine in HoChiMinh City, Vietnam. The multiple regression model was not statistically significant for finding the relationship between the factors and the Money spent on wine, so discriminant analysis method was used to evaluate the contribution of factors to the differentiation between consumers’ group presented by average bottle consumed per month. The Symbolic benefit factor turned out to be the strongest, followed by Enjoyment benefit factor and Utilitarian & Experiental benefit factor. The findings were used to provide suggestions for wine marketers in Ho Chi Minh City market.


2019 ◽  
Vol 62 (2) ◽  
pp. 158-175
Author(s):  
Michael S Garver ◽  
Zachary Williams

For customer satisfaction researchers, key driver analysis is a common practice to understand what product and service attributes are most important in driving the overall customer experience, typically measured by overall satisfaction or the Net Promoter question. To implement key driver analysis, market research practitioners often use statistical techniques such as bivariate correlation analysis or multiple regression, yet these statistical techniques have severe limitations for conducting key driver analysis. As a viable alternative, this article puts forth relative weight analysis (RWA) as an appropriate statistical technique for conducting key driver analysis. To empirically demonstrate this technique, key driver analysis was conducted using data from a B2B software provider. The analysis implemented RWA, correlation analysis, and multiple regression, and the results are compared and contrasted. RWA limitations and best practices are discussed as well as future research. Overall, this research advocates for more use of RWA in marketing research.


Author(s):  
Hoang Phuoc Nguyen

The objective of this paper is to examine factors affecting the price reduction range in biddings in Ca Mau province by bidding organizers. Based on theory of asymmetric information by Acerola (1970), we employed multiple regression model on data of 500 bid packages in Ca Mau from 2009 to 2016 to test hypotheses. The results indicate the number of participating bidders (N), funds allocated for bid packages (C), owner (O), and the total investment (TI) are positively related to the reduction range (RR). In addition, bid decider (D)and contracting time (CT) are negatively related to the reduction range (RR) while type of project (GP) has no impact. The paper offers some policy implications to improve the efficiency of the bidding activities and suggestions to authorities concerning legal framework on public investment so as to better manage public investment.


2012 ◽  
Author(s):  
Vanessa M. Lammers ◽  
Deborah Lee ◽  
Jenna C. Cox ◽  
Kathleen Frye ◽  
Jeffrey R. Labrador ◽  
...  

2016 ◽  
Vol 47 (1) ◽  
pp. 46-59 ◽  
Author(s):  
Cara Thuynsma ◽  
Leon T de Beer

Burnout is considered an occupational health concern. The burnout–depression overlap is an important area of research as the foundations of burnout and its diagnostic value have come under increasing scrutiny, calling for burnout to not be classified as an independent disorder but rather as a subtype of depression. Furthermore, as burnout is defined as a work-specific syndrome, workplace factors have been argued to be the major indicators of burnout. Recent research however, calls this into question. This study seeks to establish the overlap between burnout and depressive symptoms and to determine if burnout is in fact a multi-domain phenomenon. A cross-sectional research design was used, a convenience sample of educators from the Gauteng province of South Africa was collected ( N = 399). Confirmatory factor analysis was applied in a structural equation modelling framework. Discriminant validity analysis was conducted by investigating the average variance extracted and the shared variance between constructs. Finally, relative weight analysis was conducted to ascertain the unique contribution explained by the work-specific and general life domain factors. Results showed that burnout could be distinguished from depressive symptoms. Job demands, depressive symptoms, and satisfaction with life all explained significant amounts of variance in the burnout construct. Relative weight analysis revealed that emotional load and depressive symptoms explained equal amounts of variance in burnout, but that the aggregated work-specific factors explained the most variance in burnout. This study indicates that burnout is a multi-domain phenomenon and not isolated to the domain of work. Further research is needed in this regard.


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