العوامل المؤثرة في منح الائتمان المصرفي من وجهة نظر الزبون

Abstract EN

Bank credit is of great interest to bank administrations as it is a very important process, in addition to being the most important aspect of utilizing their funds and the main source of their revenues.

Therefore, we found it keen on setting credit policies that take into account the achievement of its objectives on the one hand and satisfy the requirements of customers and banking laws on the other hand, from here the research came to shed light on the most important factors affecting the granting of bank credit from the point of view of the customer requesting credit and through a sample survey From the customers of banks operating in the city of Nasiriyah, through a questionnaire form designed for that purpose, as the results of the study showed that one of the most important of these factors is the high interest rates, which stands as an obstacle to granting bank credit, and in light of that, the most prominent recommendations were developed, which necessitate the need to reconsider interest rates to encourage customers to grant bank credit in proportion to the prevailing economic situation and available investment opportunities.