Good day,

This subject is indeed among the topics to be considered by all risk managers, especially in banks.

A lot of work has been done around the effects of credit risk on the lending pattern of the bank. below are just a few of the articles you can find helpful;

Nadew, M., & Senapathy, M. (2023). Small Farmers’ Agricultural Loan Repayment Performance in Southern Ethiopia: monograph. Primedia eLaunch LLC, 168-168.

Naili, M., & Lahrichi, Y. (2022). Banks’ credit risk, systematic determinants and specific factors: recent evidence from emerging markets. Heliyon, 8(2), e08960.

Saleh, I., & Abu Afifa, M. (2020). The effect of credit risk, liquidity risk and bank capital on bank profitability: Evidence from an emerging market. Cogent Economics & Finance, 8(1), 1814509.

Stephanou, C., & Mendoza, J. C. (2005). Credit risk measurement under Basel II: an overview and implementation issues for developing countries. World Bank Policy Research Working Paper, (3556).

All these are available on google scholar link www.scholar.google.com

Macroeconomic effects of bank lending in an emerging economy: Evidence from Turkey

Büyükbaşaran, Tayyar ; Karasoy-Can, Gökçe ; Küçük, Hande

Economic modelling, 2022, Vol.115, p.105946

Effect of climate-related risk on the costs of bank loans: Evidence from syndicated loan markets in emerging economies

Ho, Kelvin ; Wong, Andrew

Emerging markets review, 2022, p.100977

Crowdfunding innovations in emerging economies: Risk and credit control in peer‐to‐peer lending network platforms

Nisar, Tahir M. ; Prabhakar, Guru ; Torchia, Mariateresa

Strategic change, 2020, Vol.29 (3), p.355-361

The inter-relationships among liquidity creation, bank capital and credit risk: evidence from emerging Asia–Pacific economies

Le, Tu D.Q ; Pham, Xuan T.T

Managerial finance, 2021, Vol.47 (8), p.1149-1167

Effect of Liquidity and Capital on Risk-Adjusted Efficiency of Banks in Emerging Economies: Evidence From Ghana

Antwi, Samuel ; Issah, Mohammed University of Professional Studies ; Sarpong, David

The journal of applied business and economics, 2021, Vol.23 (7), p.57-75

The effect of credit risk, liquidity risk and bank capital on bank profitability: Evidence from an emerging market

Saleh, Isam ; Abu Afifa, Malik; Murray, Louis

Cogent economics & finance, 2020, Vol.8 (1), p.1814509

The Effect of Lending Structure Concentration on Credit Risk: The Evidence of Vietnamese Commercial Banks

LE, Thi Thu Diem ; DIEP, Thanh Tung

The Journal of Asian Finance, Economics and Business , 7(7), pp.59-72

This paper examines whether lending structure can lower credit risk by employing econometric techniques of panel data for the Vietnamese banking system at the bank level used by economic sectors from 2011 to 2016...

Q&A: banking risk after subprime: the subprime lending crisis is still reverberating across the economy with the related credit squeeze greatly affecting all banks. To shed light on how the fallout will affect the industry's risk appetite in the short-term, we sat down with banking expert Vivek Mehra

Mehra, Vivek

Risk management, 2008, Vol.55 (4), p.22

One journal article that discusses the effect of credit risk on bank lending in emerging economies is "Credit Risk and Bank Lending in the Agricultural Sector: Evidence from Emerging Economies" by Awudu Abdulai, Samuel Asuming-Brempong, and Justice Tei Mensah. The article was published in the Journal of Agricultural Economics in 2019.

The study examines the impact of credit risk on bank lending in the agricultural sector in emerging economies, using panel data from 20 countries in Africa and Asia. The authors find that credit risk has a negative effect on bank lending in the agricultural sector in these economies. They suggest that this is because high credit risk makes it more costly and risky for banks to lend, which in turn reduces the amount of credit available to borrowers in the agricultural sector.

The authors also suggest that policy interventions, such as improving credit information systems and strengthening risk management practices, can help reduce credit risk and increase bank lending in the agricultural sector in emerging economies.

Hallo.

Glad to meet you.

I am Ratih from Borobudur University Jakarta Indonesia.

Please joint colaboration with me to researcher about The Topic:Risk of Bank about Loans and saving target.

Thank you very much for your attention.

Please Confirmation witme me: by email: [email protected] or WA +62 81212319398.