Determinants of demand for banking facilities a practical study of a sample of beneficiaries in DHI QAR governorate

 
 
 
  • Abstract
  • Keywords
  • References
  • PDF
  • Abstract


    Banking facilities are a very important function, as banking departments are concerned about the most important aspects of the recruitment of their funds and the main source of their revenues, The banks have been and continue to act as a financial intermediary between the audience of depositors and investors, they collect savings and guide them to different areas of investment, So we find it interested in the development of credit policies that take into account the achievement of the objectives of the bank and satisfy the requirements of customers and banking laws and legislation, From here, the research highlighted the most important factors affecting the demand for these facilities by applying to a sample of beneficiaries in Dhi Qar Governorate through the distribution of a questionnaire form designed for that purpose, The results of the study showed that the most important of these factors is the high interest rates and discount, which is an obstacle in the request for banking facilities, In light of these recommendations, the most important of which was the need to reconsider the interest rates and discount to encourage customers to request banking facilities and commensurate with the prevailing economic situation and investment opportunities available.

     

     


  • Keywords


    Banking Facilities; Demand; Beneficiaries; Guarantees.

  • References


      [1] Ahbac, Sumaya, mechanisms for granting credit in commercial banks, Master Thesis in Economic Sciences, Faculty of Economic, Commercial and Management Sciences, Kassadi Merbah University, Algeria, 2013.

      [2] Angro, Iman, Credit Analysis and its Role in Rationalizing Lending Operations - The Syrian Industrial Bank as a Model, Master Thesis in Accounting, Faculty of Economics, Tishreen University, Syria, 2007.

      [3] Al-Jazrawi, Ibrahim Muhammad Ali and Al-Nuaimi, Nadia Shaker, Analyzing bank credit using a set of financial indicators - a study (theoretical - applied) in the Iraqi Middle East Investment Bank during the period (2005 - 2007), Journal of Administration and Economics, Al-Mustansiriya University, No. 83 , 2010.

      [4] Al-Shammari, Sadiq Rashid, Non-performing Loans in Banks and Their Impact on Financial Crises, Research presented to the third scientific conference, Al-Isra Private University, Amman, Jordan, 2009.

      [5] Al-Serafy, Muhammad Abdel-Fattah, Bank Administration, Dar Al-Manhaj for Publishing and Distribution, First Edition, Amman, Jordan, 2007.

      [6] Al-Arksousi, Muhammad Saleem, Banking Operations - Facilities and Services, Damascus University Press, Second Edition, Syria, 2001.

      [7] Al-Mahawili, Essam Mohamed Hassan, Banking Operations, Book Book, Baghdad, 2012.

      [8] Al-Mahawili, Issam Muhammad Hassan, and Al-Ani, Thebes Majid Hameed, Bank Credit, Dar Al-Doctor Printing and Publishing, Baghdad, Iraq, 2014.

      [9] Gamal Bouzidi, The Role of Interest Rate in Creating Financial Crises, Master Thesis in Economic Sciences, Faculty of Economic, Commercial and Management Sciences, University of Mohamed Boukra, Algeria, 2012.

      [10] Hussein, Intisar Aziz, The Impact of Strategic Analysis on Quality of Service - An Exploratory Study of the Views of Managers in a Sample of Iraqi Banks, Master Thesis in Business Administration Sciences, College of Administration and Economics, Al-Mustansiriya University, 2010.

      [11] Theeb, Suzan Samir and Nour, Mahmoud Ibrahim and Musa, Shukairi Nuri and Saada, Abdullah Youssef, Credit Administration, Dar Al-Fikr for Publishing and Distribution, First Edition, Amman, Jordan, 2012.

      [12] Taha, Tariq, Bank Administration in the Globalized Environment and Internet, New University Publishing House, Alexandria, Arab Republic of Egypt, 2007.

      [13] Adel, Hebal, The Problem of Non-Performing Bank Loans - Algeria Case Study, Master Thesis in Economic Sciences, University of Algeria, Faculty of Economic Sciences, Commercial Sciences and Management Sciences, 2012.

      [14] Abd al-Rahim, Muhammad Ibrahim, Economics of Money and Banking, University Education House for Publishing and Distribution, Alexandria, Arab Republic of Egypt, 2014.

      [15] Ali, Alia Jawad Muhammad and Ahmed, Saif Al-Din Imad, After Empowering Workers in Organizational Development, Research published in the University of Baghdad Journal of University Economic Sciences, number thirty-sixth, 2013.

      [16] Isa, Muhannad Hanna Nicola, Credit Portfolio Risk Management, Al-Raya House for Publishing and Distribution, First Edition, Amman, Jordan, 2010.

      [17] Kazem, Faeq Jawad, The Impact of Credit Facilities on Banking Performance - Field Study at the Iraqi Investment Bank, Master Thesis in Socialist Studies, Higher Institute for Political and International Studies, Al-Mustansiriya University, 2005.

      [18] Canaan, Ali and Muhammad, Ali Mahmoud, The Interest Rate and Its Impact on the Profitability of Banks - A Case Study of a Syrian and Diaspora Bank, research published in Damascus University Journal for Economic and Legal Sciences, Volume 30, First Issue, 2014.

      [19] Najm, Rafah Adnan, Factors Affecting Banking Service Demand - An Applied Study on a Sample of Beneficiaries in Nineveh Governorate, Anbar University Journal for Economic and Administrative Sciences, Volume 2, No. 3, 2010.

      [20] Nassar, Siddiq Tawfiq, the determinants of the decision to grant direct credit facilities - a comparative analytical study in Islamic and commercial banks operating in the Gaza Strip, Master of Business Administration, College of Commerce, Islamic University, Gaza, Palestine, 2005.

      [21] frederic s. mishkin, The economics of money banking and financial markets, 7th, ed, Pearson Addison, Wesley, series, in economics, 2004.

      [22] Lezzoni, L., & Davis,R., "Quality Dimensions that most Concern people with Physical and Sensory Disabilities ,Archives of Internal Medicine",2003. https://doi.org/10.1001/archinte.163.17.2085.

      [23] Rose. P. and Hudginsn. S., "Bank Management and Financial Services", 6th ed., U.S.A, Library of Congress cataloging In Publication Data, 2005.


 

View

Download

Article ID: 30562
 
DOI: 10.14419/ijaes.v8i1.30562




Copyright © 2012-2015 Science Publishing Corporation Inc. All rights reserved.