@incollection{,
	
					
					
					29251C7D750E24CB1D4F3CA7F9C63A86
				,
	author={{Mst. NishratZaman} and {Begum Rokeya University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2011729
}

@book{b0,
	
	
		,
	title={{Nonperforming loans in the banking sector of Bangladesh: realities and challenges. Bangladesh Institute of Bank Management}}
		,
	author={{
			BKAdhikary
		}}
		
			,
	year={2006}
			4
			
		
	

}

@book{b1,
	
	
		,
	title={{Non-Performing Loan and Management Guidelines for Remedies: An Empirical View of Bank Employees}}
		,
	author={{
			NAfroze
		} and {
			GMUddin
		}}
		
		
			,
	year={2008}
		
	

}

@book{b2,
	
	
		,
	title={{Comperative analysis of loan recovery among nationalized, private and is lamic commercial banks of Bangladesh}}
		,
	author={{
			EAhmed
		} and {
			ZRahman
		} and {
			RIAhmed
		}}
		
		
		
			,
	year={2006}
		
	

}

@book{b3,
	
	
		,
	title={{Banking Sector Performance in Bangladesh (Doctoral dissertation}}
		,
	author={{
			SIAhmed
		}}
		
			,
	year={2006}
		
		
			East West University
		
	

}

@incollection{b4,
	
	
		,
	title={{Default Loan Culture in the Banking Sector of Bangladesh}}
		,
	author={{
			NurulM DAlam
		} and {
			SBJahan
		}}
		
	
	
		,
	journal={{Bank Paricrama}}
		
			34
			4
			
			,
	year={1999}
		
	

}

@incollection{b5,
	
	
		,
	title={{Relationship between non-performing loans and macroeconomic factors with bank specific factors: a case study on loan portfolios-SAARC countries perspective}}
		,
	author={{
			WAnjom
		} and {
			AMKarim
		}}
		
	
	
		,
	journal={{ELK Asia Pacific Journal of Finance and Risk Management}}
		
			7
			2
			
			,
	year={2016}
		
	

}

@incollection{b6,
	
	
		,
	title={{Bangladesh Non Performing Loans Ratio}}
		
	
	
		,
	journal={{Ceicdata.com. Retrieved}}
		
			,
	year={2003 -2020. 2020. 9 January 2020}
		
	
	,
	note={Data & Charts}

}

@incollection{b7,
	
	
		,
	title={{Classified loans and Recovery Performance: A comparative study between SOCBs and PCBs in Bangladesh}}
		,
	author={{
			BPBanik
		} and {
			PDas
		}}
		
	
	
		,
	journal={{The cost and ManagementJournal}}
		
			43
			3
			
			,
	year={2015}
		
	

}

@book{b8,
	
	
		,
	title={{Causes of non-performing loan and effects on banking sector | daily sun}}
		
		
			,
	year={2020. 9 January 2020}
		
	
	,
	note={Daily Sun}

}

@incollection{b9,
	
	
		,
	title={{Loan Classification, Provisioning Requirement and Recovery Strategies: A comparative Study on Bangladesh and India}}
		,
	author={{
			TAChoudhury
		} and {
			BKAdhikary
		}}
		
	
	
		,
	booktitle={{Seminar Paper}}
				
			,
	year={2002. January}
			
		
		
			Bangladesh Institute of Bank Management
		
	

}

@book{b10,
	
	
		,
	title={{The Perspective of Loan Default Problems of the Commercial Banking Sector of Bangladesh: A Closer look into the Key Contributory Factors}}
		,
	author={{
			RChowdhury
		} and {
			BKDhar
		}}
		
		
			,
	year={2012}
			18
			
		
		
			University of Science and Technology Annual (USTA)
		
	

}

@book{b11,
	
	
		,
	title={{The economic consequence of non-performing loans. The Daily Star}}
		,
	author={{
			MEmran
		}}
		
		
			,
	year={2019. 9 January 2020}
		
	

}

@incollection{b12,
	
	
		,
	title={{An Analytical Review of Non-Performing Loan: Bangladesh and Global Perspectives}}
		,
	author={{
			MOFaruk
		} and {
			MSIslam
		}}
		
	
	
		,
	booktitle={{Annual Banking Conference}}
				
			,
	year={2016. 2015}
		
	

}

@incollection{b13,
	
	
		,
	title={{Efficiency Through Competition: Comparison of commercial Banks}}
		,
	author={{
			Hassan & Reza
		}}
	
	
		,
	journal={{Journal of Business Studies}}
		
			16
			1
			
			,
	year={1997}
		
		
			DU
		
	

}

@incollection{b14,
	
	
		,
	title={{The financial sector reform of Bangladesh}}
		,
	author={{
			KHassan
		}}
	
	
		,
	journal={{Thoughts on Economics}}
		
			3
			1-2
			
			,
	year={1994}
		
	

}

@incollection{b15,
	
	
		,
	title={{The nonperforming loans: some bank-level evidences}}
		,
	author={{
			YHou
		} and {
			DDickinson
		}}
		
	
	
		,
	booktitle={{4th International Conference on Applied Financial Economics}}
				Samos Island, Greece
		
			,
	year={2007. August}
		
	

}

@book{b16,
	
	
		,
	title={{Effectiveness of alternative dispute resolution on the recovery of non-performing loans under Artha Rin Adalat: A study on nationalized commercial banks in Bangladesh (Doctoral dissertation}}
		,
	author={{
			AIslam
		}}
		
			,
	year={2019}
		
		
			University of Dhaka
		
	

}

@book{b17,
	
	
		,
	title={{Non performing loans-its causes, consequences and some learning}}
		,
	author={{
			MSIslam
		} and {
			NCShil
		} and {
			MMannan
		}}
		
		
		
			,
	year={2005}
		
	

}

@incollection{b18,
	
	
		,
	title={{Implication of the Legal Framework Guiding Loan Recovery}}
		,
	author={{
			SAKhan
		} and {
			QG MFarooqi
		}}
		
	
	
		,
	journal={{Banking Research Series}}
		
			
			,
	year={2011. 2011}
		
	

}

@book{b19,
	
	
		,
	title={{Non-performing loans in banking sector of Bangladesh: causes and effect}}
		,
	author={{
			DMajumder
		}}
		
			,
	year={2014}
		
	

}

@incollection{b20,
	
	
		,
	title={{Effectiveness of credit management system on loan performance: empirical evidence from micro finance sector in Kenya}}
		,
	author={{
			HOMoti
		} and {
			JSMasinde
		} and {
			NGMugenda
		} and {
			MNSindani
		}}
		
		
		
	
	
		,
	journal={{International Journal of Business}}
		
			2
			6
			
			,
	year={2012}
		
	
	,
	note={Humanities and Technology}

}

@book{b21,
	
	
		,
	title={{Rising non-performing loans. The Daily Star}}
		,
	author={{
			MMujeri
		}}
		
		
			,
	year={2018. 9 January 2020}
		
	

}

@book{b22,
	
	
		,
	title={{A comparative study of financial performance of banking sector in Bangladesh. An application of CAMELS rating system}}
		,
	author={{
			BNimalathasan
		}}
		
			,
	year={2008}
			2
			133
		
		
			Universitatii Bucuresti. Analele. Seria Stiinte Economicesi Administrative
		
	

}

@book{b23,
	
	
		,
	title={{Non-performing loans in our banking sector | daily sun}}
		
		
			,
	year={2020. 9 January 2020}
		
	
	,
	note={Daily Sun}

}

@book{b24,
	
	
		,
	title={{Nonperforming loans of commercial banks in Bangladesh}}
		,
	author={{
			SParven
		}}
		
			,
	year={2011}
		
	

}

@incollection{b25,
	
	
		,
	title={{On Financial Sector Reform in Emerging Markets: Enhancing Creditors' Rights and Securitizing Non-Performing Loans in the Indian Banking Sector-An Elephant's Tale}}
		,
	author={{
			ASPasricha
		}}
	
	
		,
	journal={{Buff. L. Rev}}
		
			55
			325
			,
	year={2007}
		
	

}

@incollection{b26,
	
	
		,
	title={{Loan loss provisioning system in Bangladesh banking: A critical analysis}}
		,
	author={{
			JPodder
		} and {
			AMamun
		}}
		
	
	
		,
	journal={{Managerial Auditing Journal}}
		
			19
			6
			
			,
	year={2004}
		
	

}

@book{b27,
	
	
		
		,
	title={{Bb.org.bd. Retrieved}}
				
			,
	year={2020. 8 January 2020}
		
	

}

@book{b28,
	
	
		,
	title={{Non-performing loans and terms of credit of public sector banks in India: An empirical assessment. Reserve Bank of India Occasional Papers}}
		,
	author={{
			RRajan
		} and {
			SCDhal
		}}
		
		
			,
	year={2003}
			24
			
		
	

}

@incollection{b29,
	
	
		,
	title={{Loan Recovery and Performance of Commercial Banks: A}}
		,
	author={{
			MASiddiqua
		} and {
			MNZaman
		}}
		
	
	
		,
	booktitle={{Study on Jamuna Bank Limited (JBL) & Janata Bank Limited (JB)}}
				
	

}

@incollection{b30,
	
	
		,
	title={{A Study of the Operational Performance of Bangladesh Krishi Bank}}
		,
	author={{
			Sikder
		} and {
			ZAlam
		}}
		
	
	
		,
	journal={{Journal of Business Administration}}
		
			
			,
	year={2006}
		
	
	,
	note={IBA,DU,32(1,2}

}

@incollection{b31,
	
	
		
	
	
		,
	booktitle={{Surge in nonperforming loans in banking sector: Learning from neighboring countries on combating NPL}}
				
			,
	year={2020. 9 January 2020}
		
	

}

@book{b32,
	
	
		,
	title={{Two approaches to resolving nonperforming assets during financial crises}}
		,
	author={{
			MDWoo
		}}
		
			,
	year={2000}
			,
	publisher={International Monetary Fund}
		
	

}