محددات الطلب على الخدمة المصرفية: دراسة لعينة من مصارف مدينة أربيل للعام 2016

Abstract EN

Banks are financial institutions of great importance in economic activity and represent a link in the development of the financial system in any country and a reflection of its economic and financial systems.

These banks perform their economic functions through their banking services, which is the main interface for dealing with the bank and an important way to attract new customers and maintain existing customers It is the gateway to deal with the various activities of the bank.

Obtaining quantitative indicators of the most important factors affecting the demand for banking service in the city of Erbil is important, given that it is considered one of the main pillars that help banks improve their performance, gain their customers and improve their profitability through improving their services.

The research aimed to determine the determining factors for the demand for banking service in the city of Erbil, and to measure and estimate the factors that affect the demand for banking service in private and governmental banks in the city of Erbil.

The research reached to prove the research hypothesis that economic variables, approved banking procedures, banking facilities provided, as well as other factors are determinants of the demand for banking service in the city of Erbil.

In each of these axes, the factor analysis produced strong-influencing factors and weak-influencing factors that were excluded, and that among the strong-influencing factors, the most influential factors were revealed based on the loading rate, and the prevalence rate for each of the strong-influencing factors.