Subscribe to the gold package and get unlimited access to Shamra Academy
Register a new userThe influence of factors related to the client and the decision of granting micro-credit
تأثير العوامل المتعلقة بالعميل على قرار منح الائتمان الصغير دراسة ميدانية على المؤسسات الإقراضية الخاصة العاملة في محافظة اللاذقية
1255
2 38
0
(
0
)
Added by
Tishreen University ورقة بحثية
Publication date
2015
fields
Business Management
and research's language is
العربية
Created by
Shamra Editor
Ask ChatGPT about the research
هدفت هذه الدراسة إلى التعرف على العوامل الخاصة بالعميل (طالب الائتمان) و المؤثرة على قرار منح الائتمان في المؤسسات الإقراضية الخاصة العاملة في محافظة اللاذقية (المصارف الخاصة و مؤسسات التمويل الصغير)، و ترتيب هذه العوامل حسب الأهمية بالنسبة لهذه المؤسسات، و قد تم اتباع المنهج الوصفي المسحي في هذه الدراسة. و توصل البحث إلى أن هذه المؤسسات تركز على شخصية العميل بالدرجة الأولى ثم رأسمال العميل بالدرجة الثانية ثم الضمانات المقدمة من العميل بالدرجة الثالثة، كما بينت النتائج أن الظروف الاقتصادية و السياسية و الخبرة العملية للعميل تؤثر على قرار منح الائتمان بدرجة ضعيفة نسبياً، و هناك إغفال للعامل الاجتماعي من قبل هذه المؤسسات.
This study aims to identify the factors related to the client and influencing the decision of granting micro-credit in the private lending institutions operating in the province of Lattakia (Private banks and microfinance institutions)، and order of these factors according to their importance for these institutions، Has been followed premise entrance deductive in this study. The research concluded that these institutions focus on personal client primarily client then the capital of the second class، then the guarantees provided by the client third place، as the results showed that the economic and political conditions and practical experience for the customer influence the decision to grant credit is relatively weak degree، and there omission social worker by these institutions.
Artificial intelligence review:
Research summary
تهدف هذه الدراسة إلى التعرف على العوامل المتعلقة بالعميل التي تؤثر على قرار منح الائتمان الصغير في المؤسسات الإقراضية الخاصة العاملة في محافظة اللاذقية. تم استخدام المنهج الوصفي المسحي لتحليل البيانات التي تم جمعها من العاملين في قسم الائتمان في هذه المؤسسات. توصلت الدراسة إلى أن شخصية العميل هي العامل الأكثر تأثيراً على قرار منح الائتمان، يليها رأس المال، ثم الضمانات المقدمة من العميل. كما بينت النتائج أن الظروف الاقتصادية والسياسية والخبرة العملية للعميل لها تأثير ضعيف نسبياً، بينما تم إغفال العامل الاجتماعي. أوصت الدراسة بضرورة اهتمام المؤسسات الإقراضية بعامل الخبرة العملية والعوامل الاجتماعية والاقتصادية والسياسية المحيطة بالعميل لتحقيق قرارات ائتمانية سليمة.
Critical review
دراسة نقدية: على الرغم من أن الدراسة تقدم تحليلاً شاملاً للعوامل المؤثرة على قرار منح الائتمان الصغير، إلا أنها تفتقر إلى تحليل عميق للعوامل الاجتماعية والاقتصادية والسياسية وتأثيرها على العميل. كما أن الاعتماد على البيانات المجمعة من 30 استبانة فقط قد لا يكون كافياً لتقديم صورة دقيقة وشاملة. من الأفضل أن تشمل الدراسة عينات أكبر ومناطق جغرافية مختلفة للحصول على نتائج أكثر دقة وموثوقية. كما يمكن تعزيز الدراسة بإضافة تحليل نوعي للمقابلات مع العملاء لفهم العوامل النفسية والاجتماعية التي قد تؤثر على قراراتهم.
Questions related to the research
-
ما هي العوامل الأكثر تأثيراً على قرار منح الائتمان الصغير وفقاً للدراسة؟
العوامل الأكثر تأثيراً هي شخصية العميل، رأس المال، والضمانات المقدمة من العميل.
-
ما هو تأثير الظروف الاقتصادية والسياسية على قرار منح الائتمان الصغير؟
الظروف الاقتصادية والسياسية لها تأثير ضعيف نسبياً على قرار منح الائتمان الصغير.
-
هل تم أخذ العامل الاجتماعي في الاعتبار في هذه الدراسة؟
لا، تم إغفال العامل الاجتماعي من قبل المؤسسات الإقراضية وفقاً لنتائج الدراسة.
-
ما هي التوصيات التي قدمتها الدراسة للمؤسسات الإقراضية؟
أوصت الدراسة بضرورة اهتمام المؤسسات بعامل الخبرة العملية للعميل والعوامل الاجتماعية والاقتصادية والسياسية المحيطة بالعميل لتحقيق قرارات ائتمانية سليمة.
References used
Cofi. A. S., (2012). Determing the causes and impact of nonperforming loans on the operations of microfinance institutions. Master of business administration, University of Science and Technology in partial fulfillment
Anyiro. C. O; Oriaku. B. N. (2011). Access to and investment of formal microcredit by small holder farmers in Abia State, Nigeria. The Journal of Agricultural Sciences, vol .6 (2), 69- 76
Felix. A (2011). Credit Risk Assessment and Decisions of Credit officers in Microfinance Institutions: The Example of Banco do nordeste in Brazil, Bachelor Thesis in Microfinance, Swiss Banking institute University of Zurich
rate research
Read More
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 aim of the study was to study the effect of organizational
values related to management (strength, elite, reward) on the
performance of employees in private hospitals in Lattakia
Governorate.
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 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 goal beyond this research is to highlight the influence of the social family
factors on the academic excellence of sons. This research sample was on (240) of (408)
male and female students who are in the first, second and the third secondary st
ages for the
school year 2016-2017. For reaching the intended goals of this research, a questionnaire
was adopted as a tool for collecting both the preliminary data and the data related to the
variables of this research. The results of the research assured that the number of the family
members does not have that clear effect on the academic excellence and most of the
students do not get negatively affected by the parental divorce or even by the absence of
one of the parents so this factor does not affect the sons' academic excellence. Also, the
birth order in any student's family does not affect positively or negatively the student's
academic excellence. The good and healthy relationship between the father and the sons
has a clear effect on their academic excellence but, on the other hand, the relationship
between the mother and the sons does not have that clear effect on their academic
excellence. Moreover, this research stated that there is a positive link between the parents'
moderate control and treatment practiced inside the family towards the sons and the sons'
academic excellence. On the other side, this research stated that there is no link between
the parents' dominating control and treatment towards the sons and the sons' academic
excellence.
Log in to be able to interact and post comments
comments
Fetching comments
Sign in to be able to follow your search criteria
