Evaluation of Factors Affecting Loans Granting Decisions to Bank Customers in Arab Republicof Egypt | ||
| التجارة والتمويل | ||
| Article 8, Volume 36, Issue 4, December 2016, Pages 1-22 PDF (1.03 M) | ||
| DOI: 10.21608/caf.2016.130308 | ||
| Authors | ||
| Abd elhakeem ahmed negm; mohamed galal sedek; safa nazer riad mohamed | ||
| Mansoura University | ||
| Abstract | ||
| This paper aims to evaluate the key factors that have an effect on loan granting decision in Egyptian banks through examining actual data of 657 borrowers from 12 Egyptian banks. SPSS statistical software was used to conduct descriptive analysis. Using, the results showed that collateral, income and the level of risks have an effect on the loan amount. At the same time, level of education, income and age have an effect on the loan term. Lastly, the decision to grant loan was influenced by experience, income, the level of risks, reputation and the ability to repay. In the light of findings, this paper discussed number of theoretical and managerial implications. | ||
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