THE VARIABLES INFLUENCING THE DECISION OF GRANT BANK LOANS TO ECONOMIC INSTITUTIONS EVIDENCE STUDY CASE OF SMES TLEMCEN

Naima OUADAH, Rahima HOUALEF, Redouan AINOUS

Résumé


The banking sector is essentialindustries that help economic improvement without them can any economy squeezes that carry out its job. Bank credit is efficient banking necessary as generated by the arrival represents the initial concentration of revenue for any bank regardless of what number of and changed different wellsprings of income; without him, Bank loses his job as financial specialists in economics, yet, in the meantime, contribute encompassed by risks, particularly the financial risks.

The point of this article is to know the factors influencing the decision of giving bank loans to economic institutions. Keeping in mind the end goal to address this problem, we depended on a progression of past studies here to study the variables did not study. On every single, open bank, including outside and Arab spoke to in 12 banks. Through direct conveyance to shape the study of credit officers and accused of reviewing the loan documents, and to answer a progression of inquiries the variables of the study and the nature of their impact on decision – making in the banks’ workers.


Mots-clés


Banks; Economic Institutions; Bank Loans; Decision-Making.

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ISSN : 2489-1290

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