أهمية تطوير نظم المعلومات حول ملاءة المقترضين لتحسين قرار منح القروض البنكية

Abstract EN

This study aims to highlight the role of information systems on creditworthiness of borrowers in making the decision to grant bank loans.

Granting loans decision requires a considerable amount of information that enables the bank to distinguish between borrowers.

Asymmetry in information between the bank and the borrower, and the bank’s random choice of borrowers may expose the bank to default risks.

Furthermore, the topic is descriptive, and it analyzes various concepts related to the information system on the creditworthiness of borrowers, with reference to some of the peculiarities of the banking system in Algeria towards the risk of loans.

The study concluded that the importance of advanced information systems importance in improving the decision making of granting loans.

Algeria is in need to exert more efforts in the field of providing credit information via supporting the Public loan record with Private loan offices, in order to improving selection process.