IJRTS Publications

Issue Details

Customer Behavior and Its Influence on Non-Performing Assets in Banks: A Comparative Study of Karnataka State

Pandurang Rathod, Dr. L.S Yadav

Page No. : 1-9

ABSTRACT

This study examines the influence of customer behavior on the rising non-performing assets (NPAs) in banks, with a specific focus on Karnataka state. By analyzing data from public and private sector banks, the research explores how factors such as financial literacy, repayment habits, and credit discipline contribute to defaults. The study employs a mixed-methods approach, combining quantitative data analysis with qualitative insights from customer and banker surveys. The findings reveal significant behavioral patterns that influence NPAs and highlight the need for enhanced customer education, effective credit monitoring, and tailored intervention strategies to mitigate the impact of NPAs on banking operations.

FULL TEXT

PDF

Multidisciplinary Coverage

Agriculture
Applied Science
Biotechnology
Commerce & Management
Engineering
Human Social Science
Language & Literature
Mathematics & Statistics
Medical Research
Sanskrit & Vedic Sciences

Workflow for Publication

Step 1: Submission of Abstract by Author
Step 2: Approval of Abstract & Payment of Charges
Step 3: Acceptance of Manuscript in IEEE Format
Step 4: Online Presentation via Webinar
Step 5: Incorporation of New Ideas & Findings into Paper
Step 6: Standardized Paper & Publication

Processing Charges

Publishing a Paper in IJRTS requires Paper Processing Charges that are required to be paid by the submitting author or authors upon acceptance of the Paper for publication in accordance with the criteria and terms and conditions of IJRTS.

For Students

INR 3,000 per paper per author

For Professionals

INR 4,500 per paper per author

For Libraries

INR 12,000 annually

Foreign Delegates

$ 80 per paper per author