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Full-Text Articles in Finance and Financial Management
Factors Influencing The Decision Of Granting Credit At Commercial Banks In Jenin Governorate, Zakaria Al-Jamal
Factors Influencing The Decision Of Granting Credit At Commercial Banks In Jenin Governorate, Zakaria Al-Jamal
Journal of the Arab American University مجلة الجامعة العربية الامريكية للبحوث
Banks perform many activities and functions and the most important function is the credit granted to current or prospective clients. This function will be profitable if it is managed by the credit department properly in terms of several factors .The decision of granting credit in banks is usually complicated and difficult, perhaps because the results of the credit decision only appear after a relatively long period of time. Therefore, understanding the determinants of credit risk plays a crucial role in the financial stability of the banks and decision of granting credit. The study aimed to identify the factors influencing …
Small Business Lending And Social Capital: Are Rural Relationships Different?, Robert Deyoung, Dennis Glennon, Peter J. Nigro, Kenneth Spong
Small Business Lending And Social Capital: Are Rural Relationships Different?, Robert Deyoung, Dennis Glennon, Peter J. Nigro, Kenneth Spong
The Journal of Entrepreneurial Finance
We test whether rural versus urban location, and the amount of social capital present in those locations, influence the performance of Small Business Administration (SBA) 7(a) loans originated between 1984 and 2012. On average, we find that rural loans are about 11% less likely to default than urban loans, and that a standard deviation increase in social capital reduces default by about 5%. Surprisingly, these two effects are largely independent of each other, even though social capital is substantially higher in rural places than in urban places. Our findings advance the small business lending literature and offer insights for a …
Basic Directions Developing The Internal Audit In Commercial Banks, Z. Umarov, Sh. Radjabov
Basic Directions Developing The Internal Audit In Commercial Banks, Z. Umarov, Sh. Radjabov
International Finance and Accounting
This article discusses the main directions of improving the internal audit of commercial banks as an essential condition for improving the stability of the banking system and provides scientific recommendations.