العوامل المحددة لقرار التأجير لدى شركات الاعتماد الإيجاري في الجزائر : دراسة ميدانية بالجزائر العاصمة

الملخص EN

This study aims at identifying the specific factors behind leasing decisions at leasing companies, and determining the degree of the impact of these factors on processing a leasing decision.

To achieve the objectives of the study we prepared a questionnaire of 78 questions, divided into three sections and distributed among a sample that consists of 25 employees who are involved in the leasing decision process at five leasing companies in Algeria.

In addition, the study relies on seven main hypothesis in the field, and uses a descriptive analytical method.

SPSS system is utilized in order to analyze the results, in addition to the use of the standard deviation, the arithmetic average, and one sample T-Test, The study reached a number of results: - Factors related to the legal, economic and political conditions are the most influential factors in the leasing decision process at leasing companies among the study sample.

- Leasing decisions are made based on a number of factors and not on a single factor, which are related to the lessee’s personal characteristics, credit policy of the leasing company, the leased asset, lessee’s financial status, lessee’s activity, and finally the available guarantees.

The study recommends encouraging the concept of leasing in Algeria, and the importance of adopting financial and non-financial criteria in order to make the right leasing decision by leasing companies.