Figure 1
The diagram shows two text boxes on the left labeled “Procedural Deficiencies (P D)” at the top and “Malpractice in Credit Assessment (M P C A)” at the bottom. Right-pointing arrows labeled “H 1” and “H 2,” respectively, from these two text boxes point to a text box at the center left labeled “Client-Business Performance (C B P).” A right-pointing arrow connects “C B P” to a text box at the center right labeled “Loan-Repayment Problems (L R P).” A text box labeled “Professional Experience (P E)” is positioned on the far right. Two curved right-pointing arrows labeled “H 3” and “H 4” connect “Procedural Deficiencies (P D)” and “Malpractice in Credit Assessment (M P C A)” directly to “Loan-Repayment Problems (L R P).” Two curved dashed arrows from “Procedural Deficiencies (P D)” and “Malpractice in Credit Assessment (M P C A)” also point to “Client-Business Performance (C B P).” Two dashed arrows labeled “H 5” and “H 6” extend from “Client-Business Performance (C B P)” to “Loan-Repayment Problems (L R P).” Two left-pointing dashed arrows labeled “H 7” and “H 8” point to the arrows “H 3” and “H 4,” respectively.Hypothesized theoretical framework. Figure by authors