The Impact of Employee Inefficiency on the Growth of Problematic Debts in Banks of Uzbekistan: A Managerial Perspective
Keywords:
problematic debts, banks of Uzbekistan, employee inefficiency, managerial performance, non-performing loans, risk managementAbstract
Problematic debts in banks pose significant challenges to financial stability, profitability, and lending capacity. While macroeconomic factors contribute to these debts, employee inefficiency plays a crucial role in exacerbating the problem. This study examines the managerial and behavioral aspects of employee performance that influence the growth of non-performing loans (NPLs) in Uzbek banks. Using structured interviews with 50 banking professionals and portfolio analysis, the research identifies key inefficiencies, such as inadequate risk assessment, poor borrower engagement, and delayed decision-making. Findings highlight that strategic management of employee performance, targeted training, and improved accountability can significantly reduce the growth of problematic debts.
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