Factors Affecting Non-performing Loans in Pakistan during the Covid-19 Pandemic: A Case of Micro Finance Banks


  • Muhammad Akbar Ali Ansari Assistant Professor, Department of Commerce, The Islamia University of Bahawalpur, Pakistan
  • Nadia Hanif Assistant Professor, Department of Economics and Business Administration, Division of Administrative and Management Science, University of Education, Lahore, Pakistan
  • Muhammad Sohail Tahir Assistant Professor, Department of Management Sciences, Comsats University Islamabad, Vehari Campus, Pakistan
  • Ali Junaid Khan Institute of Business Management & Administrative Sciences, The Islamia University of Bahawalpur, Pakistan




Non-Performing Loans, COVID-19 and Microfinance Bank


The basic purpose of this study is to investigate the factors affecting non-performing loans of microfinance banks in Pakistan during the COVID-19 Pandemic. The research used secondary data from the Pakistan Bureau of Statistics and SBP websites regarding the banking industry in FY 2020–2021, and the data was subjected to a multi-regression analysis. The analysis included a number of variables, including GDP growth rate, management efficiency, bank size and return on assets. According to the study's results, all three variables had a statistically significant affect on the outcome except business size. Non-performing loans have been found to have a important positive association with the country's economy.


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How to Cite

Ansari, M. A. A. ., Hanif, N. ., Tahir, M. S. ., & Khan, A. J. . (2021). Factors Affecting Non-performing Loans in Pakistan during the Covid-19 Pandemic: A Case of Micro Finance Banks. Review of Economics and Development Studies, 7(4), 493-500. https://doi.org/10.47067/reads.v7i4.409