Role of banking service quality for enhancing the credit culture : polling study of banking agencies in the state of Tebessa

Abstract EN

This study aimed to identify the quality of banking service, and diagnosis of the contribution of each bank and the customer, due to enhancing the availability of credit culture, with represented the determinant of quality such as banking facilities, customer behavior, and using the modern technology.

The study relied on the survey approach in studying on employees in the banking agencies of the state of TEBESSA, based on the statistical treatment program for social sciences (SPSS).

The study concluded the severe weakness of the credit culture in the banking agencies; due to internal reasons, linked in banking system, and external reasons represented in the downturn in the Algerian economy as well as the financial liquidity crisis at the beginning of the second quarter of the year 2020.

Among the most important recommendations, that banks should provide banking awareness leaflets to different categories of citizens regarding services.