Identifying Determinants and Consequences of Non-Performing Loans Using Meta-Synthesis Method

Subject Areas : Management

Mohammad Reza Esmaeili ¹ , Mohammad Ebrahim Mohammadpoor Zarandi ² , Mehrzad Minouei ³

1 - Department of Industrial Management, Central Tehran Branch, Islamic Azad University, Tehran, Iran.
2 - Department Of Industrial Management, Tehran Central Branch, Islamic Azad University, Tehran, Iran
3 - Department of Industrial Management, Central Tehran Branch, Islamic Azad University, Tehran, Iran.

Received: 2023-03-19 Accepted : 2023-06-14 Published : 2023-12-22

Keywords: Banking, Determinants, consequences, Meta-synthesis, Non-performing loans,

Abstract :

This research sought to find the determinants and consequences of non-performing loans. For this purpose, meta-synthesis method was used and 7 steps of meta-synthesis proposed by Sandelowski and Barroso (2007) were implemented. The intended sample for meta-synthesis consists of selected studies based on their relationship with the research question. In the present study, the initial sample included 194 sources related to the research topic, which were extracted from databases without time limits. After screening the sources in terms of various items such as title, abstract, content and quality, 151 sources remained, whose results were examined more precisely and combined with each other. The result of this process was the extraction of 118 codes, which were categorized into 10 categories of determinants, 11 strategies to reduce and 12 consequences of non-performing loans. Determinants include international factors, macroeconomic factors, bank-specific factors, industry-related, market, borrower, and loan, political, macro-financial and institutional factors. 36% of determinants were classified in the category of macroeconomics determinants, 31% in the category of bank-specific factors, and 33% in the other 9 categories. Another result of this study is the circular causality observed among the consequences and determinants.