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Influence of Macroeconomic Factors on Credit Risk Management in Iraqi Commercial Banks | ||
| AL-Qadisiyah Journal For Administrative and Economic sciences | ||
| Volume 28, Issue 1, April 2026, Pages 251-260 PDF (389.46 K) | ||
| Document Type: Research Paper | ||
| DOI: 10.33916/qjae.2026.01251260 | ||
| Authors | ||
| Noor Noor Salah. ALramadan Noor Salah. ALramadan; Noor Sabah Hameed Al-Dahaan; Mustafa Hasan Nasrallah | ||
| University of Kerbala | ||
| Abstract | ||
| This study investigates the impact of macroeconomic factors on credit risk management in Iraqi commercial banks, addressing the limited empirical evidence on how macroeconomic instability affects banking credit portfolios in emerging economies such as Iraq. Using a panel data approach for 10 Iraqi commercial banks over the period 2015–2024, the research measures how variables such as GDP growth, inflation, and capital adequacy influence Non-Performing Loans (NPLs). The descriptive analysis focuses on the 2020–2024 period to capture recent economic shifts. The results, based on Fixed Effects estimation, show that the model is statistically significant (Prob > F = 0.000), leading to the rejection of the null hypothesis. Findings indicate that GDP growth and capital adequacy significantly reduce credit risk, while inflation and interest rates exacerbate it. The study recommends strengthening internal bank capital and enhancing macroeconomic stability to mitigate credit defaults. | ||
| Keywords | ||
| Macroeconomic factors; credit risk management; Iraq; Commercial banks | ||
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