دور طريقة القرض التنقيطي في تسهيل الدراسة المالية لمنح القروض البنكية: دراسة حالة القرض الشعبي الجزائري- وكالة المسيلة

الملخص EN

The financial study has a large space for loan analysts when compared to other studies, so the study aimed to compare between the study used by banks in diagnosing the financial situation of the firms requesting the loan, and Scoring method through “Altman and Collongues” Method.

This study was applied to two Firms, after the analysis and comparison process, there is a great congruence in the results obtained between the two methods, so that scoring Model will be a tool that banks can rely on as an alternative to the financial study in granting loans.