sgari, F, and Nazaripour, M, “The effective factors on formation of outstanding claims in the Iranian
governmental banks”, I J A B E R, 2015, 13(2), p.761-779
 Babouček, I & Jančar,M. “Effects of Macroeconomic Shock to the Quality of the Aggregate Loan
Portfolio”. Czech National Bank, Working Paper Series, 2005, 1, p.1 – 62.
 Bahmani, M, “Proceedings of the Eighteenth Conference of Islamic banking”, Tehran, Higher Insti
tute of Banking, 2008, P. 441.
 Beck, Demirgüç-Kunt, A., & Merrouche, O. “Islamic vs. conventional banking: Business model, effi
ciency and stability”, Journal of Banking & Finance, 2013, 37(2), P.433-447.
 Haneef S. and Riaz T. “Impact of Risk Management on Non-Performing Loans and Profitability of
Banking Sector of Pakistan” International Journal of Business and Social Science, 2012, 3.
 Fofack, H., ‘Non-performing loan in Sub-Saharan Africa: causal analysis and macroeconomic imply
cation”. World Bank Policy Research Working Paper 2005, P.37-69,
 Heydari, H, Zvaryan, Z and faith N, "The effect of macroeconomic indicators on the loans banks",
Journal of Money and the economy, 2010, 4.
 Gavin, M. & Haussmann, R. “The Roots of Banking Crises: The Macroeconomic Context. Inter-
American Bank”, Working Paper, 1996, P.318, 1– 20.
 Khemraj, T. & S. Pasha, "The Determinants of Non-Performing Loans: An Econometric Case Study of
 Kocabay, S. A. "Bank Competition and Banking System Stability: Evidence from Turkey", Istanbul:
Middle East Technical University. 2009.
 Kroszner, R.S., et al. “Banking Crises, Financial Dependence, and Growth”, Journal of Financial
Economics,2007, 87, P.187-228.
 The central bank of Islamic Republic of Iran. Time series data bank, 2004-2014.
 The Central Bank of the Islamic Republic of Iran. “The office of monitoring and management of
economic policy, economic indicators”, different years.
 The Central Bank of the Islamic Republic of Iran. Selected economic statistics, the Office for Studies
and Economic Policy, different years.
 Rahman Q. M. “All about non-performing loan: The Bangladesh scenario. 2012.
 Kurdbacheh, H, Nooshabadi, L, "Explaining the factors affecting the banking industry's outstanding
demands". Journal of Economic Research. 2011.
 Hashemi Nodehi, A, Mir Mojtabaand, M. "The causes of past receivables outstanding and due
mortgage loans in the Maskan bank", Institute of Banking. 1989.
 Statistical Center of Iran, Statistical Yearbook of different years.