This research was conducted to determine the impact of the factors related to the bank (the
liquidity of the bank, the strategy adopted by the bank, the bank's share in the credit
market, the material and human resources of the bank) on the decisio
n to grant small bank
credit in a sample of banks operating in the Syrian coast. The researcher distributed (115)
questionnaires on a sample of the employees in the credit department in the banks under
study. The number of questionnaires recovered and valid for the analysis was discharged
(90). The researcher analyzed the data using the Statistical Analysis Program (SPSS 20).
At the end of this research, the researcher reached a number of conclusions, the most
important of which is: There is a significant effect on all factors related to the bank on the
decision to grant microcredit, and the order of these factors according to the degree of
importance and influence on the following form: the strategy adopted by the bank, liquidity
of the bank, the material resources of the bank, the human resources of the bank, The
bank's share in the credit market. In addition, the researcher presented the following
recommendations: Encouraging senior management in the banks under study to formulate
a fixed strategy and specific procedures that will help in the success of the decision making
process for the granting of microcredit, the need for automated and sophisticated
communication networks that allow the flow of information between all departments and
departments easily, Provide the necessary material supplies for the completion of work and
development of human resources working in the banks under study.
The industrial sector is considered one of the most important sectors leading to economic
growth and development in all countries, and government policies, especially economic ones,
are not limited to provisions and decisions aimed at providing the
necessary components for
the continued role and growth of this sector. Since there are rarely industrial projects based on
their own sources. Hence, this research discussed the role played by the credit granted to this
sector in the form of loans and advances in activating the movement of investments in it and
how this reflected on production and its contribution to the output in order to achieve these
goals, the analytical descriptive approach was adopted. The MATLAB program was also used
to find the relationship between the research variables. The research revealed the weakness of
the funding provided to this sector compared to the other sectors. This led to the weak role
played by the credit granted to the industrial sector in spite of the strong correlation between
the variables of investment and industrial production. The study deals with the situation of the
Syrian Arab Republic during the period 1980-2010.
Bank credit is exposed to a range of risks resulting in credit default and the
customer's inability to meet its obligations to the bank since the process of
granting credit it is in accordance with the process of acceptance deposits
provided that the credit provide granted with the terms of the deposit granted.
This study aims to detect the efficiency of Islamic banks in Syria in controlling the process of granting bank credit, "case study Syria International Islamic Bank”, through diagnosis the status of granting credit process in the bank, in order to ide
ntify the factors that are taken into account in the process of granting credit, and determine the relative importance of these factors, and reveal the factors that are overlooked in the credit decision-making process.
The banking credit is the funding source of all economic sectors; it's one of the most
important services provided by banks.
This paper highlights the role of bank credit provided by traditional private banks
operating in Syria in financing the in
dustrial sector. To achieve the purpose of the study,
the sample collected consists of 11 commercial banks. The study period extended from
2006 to 2011. The study data is primarily collected from the financial statements of the
banks studied. For the purpose of the study, a Panel Data Model, the pooled regression
model, was used for data analysis. The data were analyzed based on statistical program
Eviews7.
The production function was used to examine the relationship between the banking
credit provided by traditional private banks to industrial sector and GDP for the sector
function. Results of the study showed that the banking credit provided by traditional
private banks positively affects the GDP of the industrial sector in
Syria.
Results of the study showed that both the capital employed in the industrial sector
and the private bank credit positively affect the GDP of the industrial sector in Syria, while
the number of employees in the industrial sector negatively affects the GDP of the
industrial sector.
The quality of credit portfolio depends heavily on the integrity of the decision to
grant credit, which is in turn linked to a set of policies, procedures and standards that will
reduce the faltering customers.The focus in this study was on the ris
k department in the
Syrian Real Estate Bank and the role that the department played to reduce the nonperforming
loans through the policies and procedures that it carried out and the
commitment to Monetary and Credit Council decisions related to non-performing loans.
The results showed that the department has an effective role in reducing non-performing
loans, and it currently faces set of difficulties inits work in.The most important
recommendations that have been reached are the need to launch new products with special
conditions adjusting with the current conditions, and focusing on the restructuring of the
deposits and the importance of relying on the economic legal advisory team to reach more
accurate credit decision.
تعبر السياسة النقدية عن التدخل المباشر والمقصود في الحياة الاقتصادية لتحقيق الاستقرار الاقتصادي , والذي يتجلى في استقرار المستوى العام للاسعار
The banking sector shapes a main backbone of economy in any country, given the great services provided by the economic life in any society, in addition to the significant developmental role play as a motivator and a engine of development wheel, and l
ike all other institutions banks seem subject to the competition element among them in the domain of credit granting.
The significant developments in the financial sector at the level of the world marked by the enormous technological progress in the banking industry, and the introduction of new financial instruments some financial crises, and most of the crises in the financial sector problems were common denominator where the banks, experts attributed this to increased risks, led by banking credit risk arising from credit granting, therefore it was necessary for each bank to put specific controls that guarantee the possibility of increasing granting credit while maintaining risk within acceptable limits, this requires the availability of an efficient system of credit analysis.
Here they sought researcher of this study is to focus on the study of credit made in the Commercial Bank of Syria, which overlook a lot of the important aspects that need to be studied and which may constitute a starting point for risk, Which leads in turn to stumble in the future, the researcher in theoretical section depended on the descriptive approach to what is stated in the most important books and references Banking and Finance, and depended on field study in the practical side to get to know the reality of the studies conducted by the Commercial Bank of Syria before granting loans and advances.
The goal of the researcher of this study to verify the existence of a certified system of credit analysis at the Commercial Bank of Syria, and the efficiency analysis in commercial bank credit to reduce the size of the credit risk associated with the granting of loans.
The most important results lack a holistic system of system credit analysis at the Commercial Bank of Syria, particularly with regard to financial ratios used in the analysis process, the adoption of curriculum diversification to reduce risks associated with the granting of credit, The bank's focus on collateral and personal for the granting of loans, and credit analysis neglects to identify the purpose of the granting of the loan as well as the history of banking transactions for credit applicants with other banks.
The rapid growth of economies creates institutions and enterprises supporting
investment, through the granting of credits and loans to various economic sectors, and the
financing of multilateral development processes. This increases production, con
sumption,
income, the gross national product and economic stability.
These facilities work according to an insurance policy whose specialty is to provide
the necessary financing, an adequate income for the investment of funds and saving a
certain percentage of liquidity to meet the needs on deposits. A flexible insurance policy
has to offer a wide range of loans with different terms of paying deadlines, reasons of
financing, guarantees, and areas covered to meet customer needs and requirements of the
national economy in Syria from 2000 to 2010.
يهدف البحث إلى تقدير دالة الطلب من الواردات الكلية للمملكة العربية السعودية باستخدام منهجية
التكامل المشترك و تجزئة تباين خطأ التنبؤ و دوال نبضات الاستجابة المبنية على نموذج تصحيح
متجهات الخطأ. و قد دل اختبار التكامل المشترك على وجود علاقة توازنية
طويلة الأجل بين
الواردات و الناتج المحلي الإجمالي و الأسعار النسبية للواردات و الائتمان المصرفي لتمويل الواردات.
كما دلت تجزئة تباين خطأ التنبؤ و دوال نبضات الاستجابة على أهمية الناتج المحلي الإجمالي،
و الأسعار النسبية للواردات، و الائتمان المصرفي لتمويل الواردات في تفسير التقلبات في دالة
الواردات الكلية. و أشارت دوال نبضات الاستجابة إلى العلاقة الطردية بين التقلبات في الناتج المحلي
الإجمالي و الائتمان المصرفي لتمويل الواردات و التقلبات في الواردات، في حين كانت العلاقة عكسية
بين التقلبات في الأسعار النسبية للواردات و التقلبات في الواردات.