أثر خصائص القروض الائتمانية على خطورة عدم السداد في شركات التمويل الأردنية

العناوين الأخرى

The impact of credit loan characteristics on default risk at Jordanian finance companies

مقدم أطروحة جامعية

الزعبي، علي جمال علي

مشرف أطروحة جامعية

القدومي، عبد الرحيم محمد

الجامعة

جامعة عمان العربية

الكلية

كلية الأعمال

القسم الأكاديمي

قسم التمويل

دولة الجامعة

الأردن

الدرجة العلمية

ماجستير

تاريخ الدرجة العلمية

2019

الملخص الإنجليزي

The purpose of this study is to determine the impact of credit characteristics on the risk of default in the Jordanian finance companies.

Between the independent variables and the dependent variable, the simple regression equation determines the impact of each individual variable on the dependent variable as well as the multiple regression equation and variance analysis.

The characteristics of credit loans were measured by five variables (repayment capacity, willingness to repay, capital and economic conditions, represented by the nature of the borrower's activity and collateral).

The results of the study showed that there is a statistically significant impact at the level of (α = 0.05) of the characteristics of credit loans with their variables combined on the dependent variable represented by the risk of default.

And the absence of a statistically significant impact of the capacity to pay on the dependent variable of the risk of default.

The results of the study showed a statistically significant impact of the characteristics of credit loans as measured by the variable desire to repay on the dependent variable risk of default.

The economic conditions represented by the nature of the borrower's activity on the dependent variable represented by the risk of default.

collateral variable on the dependent variable of the seriousness of default.

Based on the results of the study, several recommendations were made, including : The necessity of financing companies to ensure the capacity of borrowers to repay using methods and methods other than collateral provided, as well as obtaining information on the solvency of third-party borrowers and not content with the information provided by them, The borrower's income as collateral to repay the loan, especially in cases of low income, and tightening control to avoid problems and not to give loans and complacency with friends and relatives.

التخصصات الرئيسية

العلوم المالية و المحاسبية

الموضوعات

• القروض
• الأردن
• شركات التمويل

عدد الصفحات

95

قائمة المحتويات

• APA
• MLA
• AMA

لغة النص

العربية

نوع البيانات

رسائل جامعية

رقم السجل

BIM-942572