The Impact Of The Factors related To The Bank On The Decision Of Granting Micro-Credit A Field Study On Banks Operating In The Syrian Coast

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 decision 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.