Browsing by Author "Garcia, Russell C."

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    Causes of past due obligations: a survey among the top ten commercial banks
    (1985-10) Garcia, Russell C.; Tensuan, Ana Marie
    This paper will examine the most prevalent contributory factors to the high incidence of past due loans in the commercial banking industry. These factors, covering a broad range of internal as well as external conditions in the operation of a business enterprise, were derived and formulated based on interviews with credit officers as well as on economic indicators supplied by both government and independent sources. These external (macro) and internal (micro) factors were then arranged and compiled in a survey questionnaire and sent to ten (10) respondent commercial banks. Each respondent was asked to rank the factors according to a given scale and based on these weighted rankings, the most prevalent and critical contributory factors to the high incidence of past due obligations emerged, rooted on the studied perceptions of individuals extremely knowledgeable in this field. The results were then analyzed, covering the main eight (8) industry categories used in the study to further reinforce their contributory effects to the postulated problem. Based on the analysis, recommendations were made in the hope that the alarming incidence of past due obligations can be contained, if not minimized through the cooperation of both the public and private sectors.