دور المعلومات الائتمانية التي توفرها سلطة النقد الفلسطينية في نجاعة التسهيلات المصرفية من وجهة نظر الإدارات العليا للمصارف

الموضوعات

إدارة

روابط وملفات

التعريف والنوع

رقم الوثيقة

f5e25692-8fb1-47f4-8afc-f7213183d906

رقم العقد

0

نوع الوسائط

Crawler

نوع المحتوى

الرسائل العلمية

صيغة المصدر

رسائل ماجيستير

نوع الملف

pdf text

أسماء الملفات

1694540_1.pdf

بيانات النشر

ترجمة العنوان

The Role of the Credit Information Provided by the Palestinian Monetary Authority on the Efficiency of The Banking Facilities from The Perspective of Senior Management of Banks

ألقاب المؤلفين

[{"name_ar":"أمل اسماعيل حسن ابوجبر","title_ar":"اعداد","title_en":"Preparation"},{"name_ar":"عزمي أحمد الأطرش","title_ar":"اشراف","title_en":"Supervision"}]

اللغة

Arabic

المصدر والدورية

اسم المصدر

دور المعلومات الائتمانية التي توفرها سلطة النقد الفلسطينية في نجاعة التسهيلات المصرفية من وجهة نظر الإدارات العليا للمصارف

المحتوى والصفحات

عدد الصفحات

0

ترجمة الملخص

The researcher used the descriptive-analytical approach to carry out this study, due tothe nature of the study and the nature of the information to be obtained and the questions the study aims to answer, as it needs data collection, classification, analysis and interpretation to pinpoint their implications and to reach results that can be generalized, as well as this approach allows the description of reality and the on the ground situation accurately and expresses it both quantitatively and qualitatively. The questionnaire was used as a tool to gather the necessary information after it wasdeveloped initially in line with the objectives of the study, and then was reviewed by a panel of specialists, academics and researchers who have expertise and knowledge in the subject and in the scientific research, the panel's feedback was incorporated into the final questionnaire which was distributed and circulated to the population of the study to collect the necessary information and analyze it in order to answer the questions of the study, in addition to conducting both qualitative and quantitative analysis of the reality of query operations, the opening of the record, defaulting and granting facilities of the banks for the period between the year of 2008 to the year of 2013 and the link between those results that have been reached by the analysis ofthe questionnaire. The target population of the study comprised of managers, supervisors, officers and employees of the departments of facilities / credit (depending on to the structure of the banks in Palestine), totaling 86 respondents in the banking sector which means that the target group representsthe whole target (population) as they were all surveyed. After data collection which was collected by the used tool (questionnaire), the data was inputted into the computer and processed statistically using the Statistical Package for Social Sciences (SPSS). Arithmetic averages, percentages and frequencies were used to calculate the relative weight of the fields and areas of the study tool, in addition to calculating Cronbach's alpha to measuretheinternal consistency.The study came upwithseveralfindings, conclusions and recommendations, and the findings reveal and confirm in general that there is a substantial and evident role and impact for the credit information provided by the Palestinian Monetary Authority on the efficiency and effectiveness of banking facilities from the perspective of the surveyed respondents, and the results and findings can be summarized in the following: There is a role for the credit information system in improving the quality of the credit decision, as it achieved arithmetic average of (4.12) and a percentage of (82.4), and this indicates to a very high level of impact and role of the credit information system in improving and enhancing the quality of credit decision. ‌طThe results reveal that the credit information system has a role in increasing the granting of facilities/credit, it has achieved the arithmetic average of (3.90) and a percentage of (78.0), and this demonstrates the high level impact and role of the information system in increasing the grant of credit facilities. The results reveal that there is a role for the credit information system in reducing/decreasing the non-performing facilitiesas it achieved arithmetic average of (3.75) and percentage of (75.0), and this demonstrates the high level of the role of credit information system in reducing non-performing facilities/loans. The results revealthat the impact and role of the credit information in increasing the efficacy and effectiveness of the credit facilities was high, as the total percentage of respondents' average responses on all paragraphs of the questionnaire on allareas and fields scored (78.0); more importantly; the quantitativeanalysis results proved that the results of the qualitative were harmonious and support each other. The study concludes that there's aneed tobroaden the database provided by the system so that it becomes a centerand hubfor economic information which can be relied on in obtaining analytical visions for all important and major economic sectors; as well as, introducing a number of other services in the future, including the service of monitoring financing portfolio of financial institutions, and the service and functionality of reporting fraud, as well as expanding the database with the private sector so that it includes telecommunication and electricity companies, as well as the inclusion of insurance companies, and human resource development in the Palestinian banking sector so they become more aware about the importance of the credit information system, and to utilize and benefit from the experiences and expertise of other countries.

إشراف وإعداد

الإشراف

عزمي أحمد الأطرش

الإعداد

أمل اسماعيل حسن ابوجبر

الاقتباسات الببليوغرافية