Therefore, studies that focus only on bank-level data in scrutinizing bank loan performance in <a href=""></a> Indonesia are noticeably limited

The increase in NPLs that deteriorate banks’ asset quality is believed to have an adverse impact on the health and efficiency of the banking sector (Zhu, wang, mathrm Wu, 2014) . In addition, previous research indicates that loan defaults have harmful consequences on the overall economy (for example, Barseghyan, 2010; Zeng, 2012). Read More