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Register a new userThe Impact Of Information Technology Governance On The Quality Of Loan Portfolios (A Field Study On The Syrian Private Banks
تأثير حوكمة تكنولوجيا المعلومات على جودة محافظ القروض ( دراسة ميدانية على المصارف السورية الخاصة)
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Added by
Tishreen University ورقة بحثية
Publication date
2021
fields
Business Management
and research's language is
العربية
Authors
رامي محمد( باحث )
Created by
Shamra Editor
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هدفت الدراسة إلى معرفة أثر حوكمة الأنشطة التكنولوجية في المصارف موضوع الدراسة على جودة محافظ القروض التي تقدمها لعملائها ولتحقيق الغرض من هذه الدراسة, تمّ تصميم استبانه وزعت على العاملين في المصارف السورية الخاصة من المستويات الإدارية (مدراء, مدقق داخلي, رئيس قسم, رئيس دائرة). تكونت عينة الدراسة من (180) مشاهدة صالحة للتحليل, وباستخدام الأساليب الإحصائية المناسبة لتحليل البيانات, توصلت الدراسة إلى ما يلي: وجود تأثير لحوكمة تكنولوجيا المعلومات بالمستوى المطبق في المصارف السورية محل الدراسة وفقاً لإطار عمل COBIT بمجالاته الأربعة مجتمعةً, وبشكل منفرد على جودة محافظ قروض تلك المصارف.
The study aimed to know the effect of the governance of technological activities in the banks under study on the quality of loan portfolios provided to their clients and to achieve the purpose of this study, a questionnaire was designed and distributed to workers in the private Syrian banks from administrative levels (managers, internal auditor, head of department, head of department) . The study sample consisted of (180) valid observations for the analysis, and using the appropriate statistical methods to transmit the data, the study reached the following: The presence of an impact of information technology governance at the level applied in the Syrian banks under study in accordance with the COBIT framework in its four fields combined, and individually, on the quality of the loans portfolios of those banks.
Artificial intelligence review:
Research summary
هدفت الدراسة إلى معرفة تأثير حوكمة تكنولوجيا المعلومات على جودة محافظ القروض في المصارف السورية الخاصة. لتحقيق هذا الهدف، تم تصميم استبانة وزعت على العاملين في المصارف السورية الخاصة من المستويات الإدارية المختلفة. تكونت عينة الدراسة من 180 مشاهدة صالحة للتحليل. أظهرت النتائج وجود تأثير لحوكمة تكنولوجيا المعلومات وفقاً لإطار عمل COBIT على جودة محافظ القروض في المصارف السورية. تم تحليل البيانات باستخدام الأساليب الإحصائية المناسبة، وتوصلت الدراسة إلى وجود تأثير إيجابي لحوكمة تكنولوجيا المعلومات على جودة محافظ القروض في المصارف السورية. كما تم اختبار الفرضيات الفرعية التي تتعلق بتأثير حوكمة تكنولوجيا المعلومات على عمليات تحسين نوعية قرار منح القروض، التنويع في مكونات محافظ القروض، والرقابة الداخلية على القروض المصرفية، وأظهرت النتائج وجود علاقات ذات دلالة إحصائية بين هذه المتغيرات.
Critical review
دراسة نقدية: تعتبر الدراسة مهمة في مجال حوكمة تكنولوجيا المعلومات وتأثيرها على جودة محافظ القروض، خاصة في السياق السوري. ومع ذلك، يمكن الإشارة إلى بعض النقاط التي قد تعزز من قوة الدراسة. أولاً، كان من الممكن توسيع العينة لتشمل عدد أكبر من المصارف والمستويات الإدارية المختلفة لضمان تمثيل أكثر شمولاً. ثانياً، كان من الممكن استخدام أساليب تحليلية أكثر تعقيداً مثل النماذج الهيكلية لتعزيز دقة النتائج. ثالثاً، لم تتناول الدراسة بشكل كافٍ تأثير العوامل الخارجية مثل البيئة الاقتصادية والسياسية على جودة محافظ القروض، مما قد يؤثر على النتائج. وأخيراً، كان من الممكن تقديم توصيات أكثر تفصيلاً للمصارف حول كيفية تحسين حوكمة تكنولوجيا المعلومات بناءً على النتائج المستخلصة.
Questions related to the research
-
ما هو الهدف الرئيسي من الدراسة؟
الهدف الرئيسي من الدراسة هو معرفة تأثير حوكمة تكنولوجيا المعلومات على جودة محافظ القروض في المصارف السورية الخاصة.
-
ما هي الأداة المستخدمة لجمع البيانات في الدراسة؟
تم استخدام استبانة وزعت على العاملين في المصارف السورية الخاصة من المستويات الإدارية المختلفة لجمع البيانات.
-
ما هو إطار العمل المستخدم في الدراسة لتقييم حوكمة تكنولوجيا المعلومات؟
تم استخدام إطار عمل COBIT لتقييم حوكمة تكنولوجيا المعلومات في الدراسة.
-
ما هي النتائج الرئيسية التي توصلت إليها الدراسة؟
توصلت الدراسة إلى وجود تأثير إيجابي لحوكمة تكنولوجيا المعلومات وفقاً لإطار عمل COBIT على جودة محافظ القروض في المصارف السورية الخاصة.
References used
Zyngier, S. Article for the Encyclopedia of Knowledge Management (forthcoming)Ed. David Schwartz., Idea Publications; Hershey,2005.
Wiedenhoft, Guilherme; Luciano, Edimara; Magnagnagno, Odirlei. Information Technology Governance in Public Organizations ; Identifying Mechanisms that Meet ITS Goals While Respecting Principles. Journal of Information Systems and Technology Management Vol. 14, No. 1, Jan/Apr., 2017 pp. 69-87
Onuko ,LillianKerubo ; Muganda, Munir ; Musiega, Douglas.Effect of Credit Risk Management on Loan Portfolio Quality ofTier One Commercial Banks in Kenya.International Journal of Business and Management Invention, Volume 4 Issue 7, 2015,p p 46-5
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Banking information systems are essential necessities imposed by economic, social
and technical developments which taking place in the banking market world, where these
systems and techniques have an impact obviously on the banks because it depends
on the
digital technology to deliver the banking services to their applicants , which has led to
increase the quality and effectiveness the performance of services , processes and
marketing banking mix and make it more efficient and effective which will be increasing
and improving customer satisfaction for banking services applying.
Thus information systems play major role among private banks in Syria, through
their ability to improve the marketing performance of the bank and provide services and
products of high quality and low costs by redesigning operational banking, customer
contact quickly and provide significant data and information for customers consumption
patterns efficiently and effectively, which enabled the bank managers to take advantage of
this information in develop of plans and programs for improvement the quality of the
banking services performance provided, and increase the degree of satisfaction and loyalty
among customers by focusing on the efficiency and skill of banking services staff, in this
case we can facilitate the process of delivering the service to customers in the right way.
The study aimed to identify the impact of the application of IT
governance in banks, according to the Syrian COBIT framework on
the quality of the financial reports provided to its customers, a
questionnaire was designed and distributed to the emp
loyees of
administrative levels (managers, internal auditor, Head of the
Department, Head of the Department). The sample consisted of (198) are valid for a single analysis, and distributed among the (133) single for workers in the public banks, and (65) Single for workers in the private banks. Among the most important findings of the study: the presence of statistically significant effect of the application of IT governance in Syrian banks, according to a framework COBIT dimensions of the four on the quality of financial reports prepared by those banks, where it was found a positive relationship strong between the dimensions of governance of information technology-based framework COBIT and the characteristics of quality in the financial reports prepared by the Syrian banks.
The research aims at identifying the factors affecting the returns of loan portfolios of private commercial banks in Syria during the period (2007- 2012), where it was studying the behavior of the dependent variable represented in (Yield Loan Portfol
ios) and the independent variables of (employment rate of deposits in loans, the size of the bank liquidity the age of the bank, the number of branches, and the capital adequacy ratio) is studied.
Research findings
There is a significant positive effect for independent variables, such as age of the bank, capital adequacy ratio (except Byblos Bank Syria) affecting loan portfolios returns on private commercial banks under study.
There is not a statistically significant effect for independent variables like employment rates of deposits in loans, the size of the bank, and liquidity (except Byblos Bank Syria), and the number of the bank branches (except Bank of Syria and overseas) returns on the loan portfolios private commercial banks under study
Loan portfolios occupies an important position within the balance sheet of
commercial banks, considering that the efforts and decisions of management aim primarily
at building a good loan portfolios, that achieve high returns for banks at the lowes
t levels
of risks.
The research aims to assess the extent of compliance to the theoretical, scientific and
practical principles in the composition of loan portfolios of the public and private
commercial banks in the Syrian Coast: the principle of diversification; principle
of relevance ;the criteria for granting credit; and Advanced Capital Adequacy Framework–
Basel II. The research aims to draw important conclusions and recommendations to help
Syrian commercial banks(public and private) in reducing credit risk.
The research aims to study the impact of information technology on the quality of banking services in the branches of the Commercial Bank of Syria province of Latakia. To achieve the objectives of the research, a questionnaire was developed and distr
ibuted to 201 workers, and (183) questionnaire were suitable to analyze, a response rate (91.04%), and based on applying simple regression to assess the relationship between the information technology and the quality of banking service dimensions, the research found the following results:
1- There is a strong and positive correlation between the hardware equipment and the quality of banking service, where it was found that (79.7%) of the discrepancy in the quality of banking services is explained after the equipment.
2- There is a strong and positive correlation between a online banking service and service quality, it was found that (69.2%) of the discrepancy in the quality of banking services is explained after the Internet.
3- There is a strong and positive correlation between communications and banking service quality, where it was found that (65.9%) of the discrepancy in the quality of banking services is explained after the communication.
4- There are acceptable and positive correlation between post-efficiency of human resources and banking service quality, where it was found that (59.9%) of the discrepancy in the quality of banking services is explained by the efficiency of human resources.
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