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Register a new userThe influence of factors related to the client and the decision of granting micro-credit "A survey of private lending institutions operating in the province of Lattakia"
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Tishreen University مقالة
Publication date
2015
fields
Economy
and research's language is
العربية
Created by
امانة التحرير مجلة جامعة تشرين
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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.
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Research summary
تتناول هذه الدراسة العوامل المتعلقة بالعميل التي تؤثر على قرار منح الائتمان الصغير في المؤسسات الإقراضية الخاصة العاملة في محافظة اللاذقية. اعتمد الباحثون على المنهج الوصفي المسحي لتحليل البيانات المجمعة من العاملين في قسم الائتمان في هذه المؤسسات. توصلت الدراسة إلى أن شخصية العميل هي العامل الأكثر تأثيرًا على قرار منح الائتمان، يليها رأس المال، ثم الضمانات المقدمة من العميل. بينما كانت العوامل الاقتصادية والسياسية والخبرة العملية للعميل ذات تأثير ضعيف نسبيًا، وتم إغفال العامل الاجتماعي من قبل هذه المؤسسات. أوصت الدراسة بضرورة الاهتمام بعامل الخبرة العملية والعوامل الاجتماعية والاقتصادية والسياسية لتحقيق قرارات ائتمانية أكثر رشادة وكفاءة.
Critical review
تعتبر هذه الدراسة إضافة قيمة للأبحاث المتعلقة بقرارات منح الائتمان الصغير في المؤسسات الإقراضية الخاصة. ومع ذلك، يمكن الإشارة إلى بعض النقاط التي قد تعزز من قوة الدراسة. أولاً، كان من الممكن توسيع نطاق العينة لتشمل مؤسسات إقراضية من مناطق أخرى للحصول على نتائج أكثر شمولية. ثانيًا، يمكن أن تكون العوامل الاجتماعية والاقتصادية والسياسية أكثر تأثيرًا في ظروف معينة، لذا كان من الأفضل تحليل هذه العوامل بشكل أعمق. أخيرًا، كان من الممكن استخدام أساليب تحليلية متعددة لتحليل البيانات للحصول على نتائج أكثر دقة.
Questions related to the research
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ما هي العوامل الأكثر تأثيرًا على قرار منح الائتمان الصغير وفقًا للدراسة؟
العوامل الأكثر تأثيرًا هي شخصية العميل، رأس المال، والضمانات المقدمة من العميل.
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ما هو المنهج الذي اعتمدته الدراسة لتحليل البيانات؟
اعتمدت الدراسة على المنهج الوصفي المسحي لتحليل البيانات.
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ما هي التوصيات التي قدمتها الدراسة للمؤسسات الإقراضية؟
أوصت الدراسة بضرورة الاهتمام بعامل الخبرة العملية والعوامل الاجتماعية والاقتصادية والسياسية لتحقيق قرارات ائتمانية أكثر رشادة وكفاءة.
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هل تم إغفال أي عوامل في تحليل الدراسة؟
نعم، تم إغفال العامل الاجتماعي من قبل المؤسسات الإقراضية، وكان تأثير العوامل الاقتصادية والسياسية والخبرة العملية ضعيفًا نسبيًا.
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