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Nur Mohammad Ashikuzzaman

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Papers by Nur Mohammad Ashikuzzaman

Research paper thumbnail of Does growth of nonperforming loan ratio have a temporal impact on private credit growth in Bangladesh economy?

Asian Journal of Economics and Banking

PurposeThis paper addresses the question “Does the growth of nonperforming loan ratio (GNPL) have... more PurposeThis paper addresses the question “Does the growth of nonperforming loan ratio (GNPL) have a temporal impact on private credit growth (PCG)?” for the Bangladesh banking industry during and after the global financial crisis of 2008.Design/methodology/approachIt employs the autoregressive distributed lag (ARDL) model to examine the temporal equilibrium relationship and causality between PCG and GNPL.FindingsThe results of ARDL bound tests confirm the existence of a single cointegrating vector and temporal equilibrium relationship between variables of interest. According to the error correction mechanism (ECM), there is unidirectional causality from GNPL to PCG in the long run and short run. In the long run, higher GNPL curtails PCG since bankers use the nonperforming loan ratio as a signal and indicator of credit risk in their loan decision-making. In the short run, GNPL positively impacts PCG. It may be because banks go through a rigorous process before declaring a loan as non...

Research paper thumbnail of Does growth of nonperforming loan ratio have a temporal impact on private credit growth in Bangladesh economy

Asian Journal of Economics and Banking, 2022

Purpose-This paper addresses the question "Does the growth of nonperforming loan ratio (GNPL) hav... more Purpose-This paper addresses the question "Does the growth of nonperforming loan ratio (GNPL) have a temporal impact on private credit growth (PCG)?" for the Bangladesh banking industry during and after the global financial crisis of 2008. Design/methodology/approach-It employs the autoregressive distributed lag (ARDL) model to examine the temporal equilibrium relationship and causality between PCG and GNPL. Findings-The results of ARDL bound tests confirm the existence of a single cointegrating vector and temporal equilibrium relationship between variables of interest. According to the error correction mechanism (ECM), there is unidirectional causality from GNPL to PCG in the long run and short run. In the long run, higher GNPL curtails PCG since bankers use the nonperforming loan ratio as a signal and indicator of credit risk in their loan decisionmaking. In the short run, GNPL positively impacts PCG. It may be because banks go through a rigorous process before declaring a loan as nonperforming that takes time. At the same time, bankers' loan decisions may also be guided by the banks myopic concern of reputation in the short run. Practical implications-The paper recommends policy prescriptions for the bank risk management, regulatory bodies and the legal authorities. The lending policy of banks should consider the legacy of bad assets. The efficiency of the legal system can also aid in effectively implementing the regulatory guidelines. Originality/value-The paper inaugurates a bivariate cointegration analysis between PCG and GNPL in the literature. It has utilized quarterly aggregate data in the context of a developing economy like Bangladesh. Keywords Growth of nonperforming loan ratio, Growth of private credit, Long-run equilibrium relationship, Auto regressive distributed lag model Paper type Research paper

Research paper thumbnail of Social innovation in education: BRAC boat schools in Bangladesh

Journal of Global Entrepreneurship Research, 2017

Bangladesh consists of wetlands that pose great threat to the public primary education services. ... more Bangladesh consists of wetlands that pose great threat to the public primary education services. BRAC (Building Resources Across Communities)-a non-governmental organization, therefore, took the opportunity to serve unprivileged children by implementing boat schools model in solving barriers of such uninterrupted education. This case focuses in dealing those threats through the usage of prototype boat schools as a vehicle of social innovation for particular regional development. Thus, BRAC boat schools appear to bring blessings for children in accessing their basic right of education to enlighten the society. The impact of boat schools in education is examined to create positive socioeconomic changes. However, this study highlights a brief analysis of the context based on diverse stakeholders and their perspectives to contribute in the theoretical endeavor of social innovation in educational context. It inevitably demands a promising avenue of interests to devise further research on the compatibility of social innovation in education to gear up status of an impoverished society.

Research paper thumbnail of Does growth of nonperforming loan ratio have a temporal impact on private credit growth in Bangladesh economy?

Asian Journal of Economics and Banking

PurposeThis paper addresses the question “Does the growth of nonperforming loan ratio (GNPL) have... more PurposeThis paper addresses the question “Does the growth of nonperforming loan ratio (GNPL) have a temporal impact on private credit growth (PCG)?” for the Bangladesh banking industry during and after the global financial crisis of 2008.Design/methodology/approachIt employs the autoregressive distributed lag (ARDL) model to examine the temporal equilibrium relationship and causality between PCG and GNPL.FindingsThe results of ARDL bound tests confirm the existence of a single cointegrating vector and temporal equilibrium relationship between variables of interest. According to the error correction mechanism (ECM), there is unidirectional causality from GNPL to PCG in the long run and short run. In the long run, higher GNPL curtails PCG since bankers use the nonperforming loan ratio as a signal and indicator of credit risk in their loan decision-making. In the short run, GNPL positively impacts PCG. It may be because banks go through a rigorous process before declaring a loan as non...

Research paper thumbnail of Does growth of nonperforming loan ratio have a temporal impact on private credit growth in Bangladesh economy

Asian Journal of Economics and Banking, 2022

Purpose-This paper addresses the question "Does the growth of nonperforming loan ratio (GNPL) hav... more Purpose-This paper addresses the question "Does the growth of nonperforming loan ratio (GNPL) have a temporal impact on private credit growth (PCG)?" for the Bangladesh banking industry during and after the global financial crisis of 2008. Design/methodology/approach-It employs the autoregressive distributed lag (ARDL) model to examine the temporal equilibrium relationship and causality between PCG and GNPL. Findings-The results of ARDL bound tests confirm the existence of a single cointegrating vector and temporal equilibrium relationship between variables of interest. According to the error correction mechanism (ECM), there is unidirectional causality from GNPL to PCG in the long run and short run. In the long run, higher GNPL curtails PCG since bankers use the nonperforming loan ratio as a signal and indicator of credit risk in their loan decisionmaking. In the short run, GNPL positively impacts PCG. It may be because banks go through a rigorous process before declaring a loan as nonperforming that takes time. At the same time, bankers' loan decisions may also be guided by the banks myopic concern of reputation in the short run. Practical implications-The paper recommends policy prescriptions for the bank risk management, regulatory bodies and the legal authorities. The lending policy of banks should consider the legacy of bad assets. The efficiency of the legal system can also aid in effectively implementing the regulatory guidelines. Originality/value-The paper inaugurates a bivariate cointegration analysis between PCG and GNPL in the literature. It has utilized quarterly aggregate data in the context of a developing economy like Bangladesh. Keywords Growth of nonperforming loan ratio, Growth of private credit, Long-run equilibrium relationship, Auto regressive distributed lag model Paper type Research paper

Research paper thumbnail of Social innovation in education: BRAC boat schools in Bangladesh

Journal of Global Entrepreneurship Research, 2017

Bangladesh consists of wetlands that pose great threat to the public primary education services. ... more Bangladesh consists of wetlands that pose great threat to the public primary education services. BRAC (Building Resources Across Communities)-a non-governmental organization, therefore, took the opportunity to serve unprivileged children by implementing boat schools model in solving barriers of such uninterrupted education. This case focuses in dealing those threats through the usage of prototype boat schools as a vehicle of social innovation for particular regional development. Thus, BRAC boat schools appear to bring blessings for children in accessing their basic right of education to enlighten the society. The impact of boat schools in education is examined to create positive socioeconomic changes. However, this study highlights a brief analysis of the context based on diverse stakeholders and their perspectives to contribute in the theoretical endeavor of social innovation in educational context. It inevitably demands a promising avenue of interests to devise further research on the compatibility of social innovation in education to gear up status of an impoverished society.

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