https://ar.iub.edu.bd/handle/11348/1085 2026-09-10T15:40:30Z https://ar.iub.edu.bd/handle/11348/1531 Impact of Loan Default on the Sustainability of Financial Health: A Study on Selected Private Commercial Banks in Bangladesh Barua, Senjuti; Ayetha, Thein This study aims to examine the influence of loan default over the sustainability of financial health of selected private commercial banks listed on Dhaka Stock Exchange (DSE) in Bangladesh. The banking sector of the country faces significant challenges in terms of loan defaults. The study applies panel data analysis to investigate how non-performing loan ratio (NPLR), capital adequacy ratio (CAR), provision maintenance ratio (PMR), credit deposit ratio (CDR), and cost-to-income ratio (CIR) influence the sustainability of bank performance, as measured by a profitability indicator- return on assets (ROA). The study utilizes secondary data of 19 private commercial banks over a 16-year period (2008-2023), representing strongly balanced panel data. Hausman specification test recommends fixed effect regression model which reveals that NPLR has a significant negative influence over ROA, whereas CDR shows a significant positive impact. This study provides valuable insights for bank management in Bangladesh to better manage non-performing loans and optimize credit strategies to maintain profitability. Keywords - Credit deposit ratio, fixed effect regression, nonperforming loan ratio, profitability 2025-11-11T00:00:00Z https://ar.iub.edu.bd/handle/11348/1530 Impact of Integrating Blockchain in Letter of Credit Process Majumder, Mohammad Ismail The Letter of Credit (LC) is a critical instrument in international trade, ensuring payment security and trust between exporters and importers. However, the traditional LC process is often criticized for being paper-intensive, time-consuming, and vulnerable to fraud and inefficiencies. The integration of blockchain technology offers a transformative solution by digitizing and decentralizing LC operations, thereby improving transparency, speed, and security. This article explores the impact of integrating blockchain technology into the LC process, highlighting its benefits, challenges, and implications for global trade, particularly from the perspective of emerging economies such as Bangladesh. 2025-11-01T00:00:00Z https://ar.iub.edu.bd/handle/11348/1529 Economic, structural, and behavioral drivers of informal remittance use and Fintech solutions for formal channel adoption in Bangladesh Tanim, Moinuddin Pathan; Rafique, Syeda Risfia This study examines the economic, structural, and behavioral factors influencing Bangladeshi migrant workers’ use of informal remittance channels such as Hundi. The findings show that favorable exchange rates, lower transaction costs, faster transfers, minimal documentation, trust in personal networks, and convenience encourage migrants to use informal systems. Based on a survey of 150 Bangladeshi migrant workers in Gulf countries and interviews with remittance service providers, the study identifies economic incentives as the strongest factor, supported by social and convenience-related influences. It recommends FinTech-based solutions, including competitive exchange rates, zero-fee trials, instant transfers, localized mobile onboarding, and real-time tracking, to encourage migrants to use formal remittance channels and thereby improve financial inclusion, foreign exchange reserves, and regulatory oversight in Bangladesh. 2025-11-01T00:00:00Z https://ar.iub.edu.bd/handle/11348/1528 Retailer behavior in the digital economy: factors behind cashless payment adoption Akter, Farjana; Hamid, Md. Kaysher This study examines the key factors influencing cashless payment adoption among retailers in Bangladesh using the UTAUT and TOE frameworks. Data were collected from 349 retailers and analyzed using PLS-SEM. The findings show that social influence and competitive pressure directly encourage cashless payment adoption, while behavioral intention significantly mediates the effects of performance expectancy, effort expectancy, social influence, and competitive pressure. The study suggests that policymakers and fintech providers can accelerate digital payment adoption by increasing awareness of benefits, improving ease of use, and leveraging social and competitive influences. It contributes context-specific insights into digital payment adoption in emerging economies. 2025-11-01T00:00:00Z