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Volume :31 Issue : 4 2003      Add To Cart                                                                    Download

Credit Analysis and its Influence on the Customers Potential Creditability: A Field Study on Commercial Jordanian Banks

Auther : Medhat Tarawneh

The main objective of this study is to determine the credit evaluation indicators which influence the credit decision making process in the commerical Jordanian banks. In addition, the study aims to show the relative importance for the evaluation indicators which are used by the Jordanian banks. The findings of the study showed that the Jordanian commercial banks realy use financial, marketing, and economic indicators, in addition to other indicators which are mentioned in the study. Also, the results showed that the relative importance of these credit evaluation indicators were varied regarding the credit analysis process. The most important credit evaluation indicators were the financial indicators. Results of testing the hypotheses provide evidence to reject all null hypotheses. Moreover, the results indicated that there is a significant and positive relationship between the credit evaluation indicators and the customer potential creditbility and his ability to pay his loans. Finally, the study provides some recommendations for commercial banks in order to inhance their credit decisions.

Keywords: Credit loans, Credit analysis, Financial indicators, Marketing indicators, Economic indicators, Doubtful debt accounts, Customer potential reditability.

 

 

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