In addition, the internal bank also leads to credit risk. One of the causes is the moral, professional qualifications of the banking staff. The bank staff is irresponsible, has weak capacity, weak ethics leads to lenders with businesses or individuals who do not qualify for weak activity with questionable credit records (Wang, 2013). This is confirmed in the study of Berger and DeYoung (1997) when it is said that the increased bad debt is due to the weakness in the credit appraisal process before, during and after the lenders lead to the bank's choice of wrong customer loans (borrowers are not eligible for loans). ...
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