تعثر القروض التجارية في الأردن

Abstract EN

Objective : The study aimed to analyze the factors that affected default credit facilities at commercial banks in Jordan, during the period (2003 2014).

This study implemented two types of variables : economic and banking variables.

Methods : The study adopted the descriptive analysis along with an economic model that reflected the relationship between these variables, and it also used panel data analysis among a sample that comprised seven domestic banks and two foreign banks.

Results : The results of the study showed that default credit facilities didn't form a growing phenomenon for the Jordanian banking system due to its high financial solvency and retention of high levels of liquidity.

In addition, the results showed a statistically significant inverse relationship between the size of the default credit facilities and both growth rate in real GDP and the bank size.

On the other hand, there was no statistically significant relationship between default credit facilities and (unemployment rate, the size of government capital spending, interest rate, degree of bank risk, and the management of the bank).

Conclusion : According to these results, the study concluded that it is necessary to identify standard rates for credit default size commensurate with the size of the credit facilities granted by the bank.