The Jostle of Workplace Pressures on Credit Managers: Interpretive Structural Modeling to Underpin the Severity

Abstract

The study aims to identify, prioritize and analyze relationships of pressures built on credit managers of banks since banks are institutions of systemic importance. Overall design of study is comprised of literature review, data collection and analyses. Primary data has been collected through a suitable questionnaire from a panel of experts. Panel comprised of experienced and expert bankers. Interpretive Structural Modeling (ISM) and Matriced’ Impacts Croise’s Multiplication Appliquée a UN Classement (MICMAC) have been employed as techniques of hierarchicalization and analyses. Discourse of literature revealed that there are seventeen different pressures faced by credit managers. Hierarchy imposed on pressures by way of ISM divulged that target pressure occupies lowest level (most critical) in ISM model and it has maximum driving power, whereas, juniors’ pressure occupies highest level (least critical) and has maximum dependence. MICMAC analysis shows that bribery pressure is autonomous, juniors’ pressure is dependent, other fifteen are linking and no pressure is classified as independent in the model. It is a valuable study because it addresses one of grave issues of bankers. It provides insight of issue to regulators, policy makers and management of banks.