Effect of Social Responsibility on Credit Decisions :Field study on Yemeni Banks Working at Hadhrmout Governorate

Alkasadi, Mohammed Saleh Salim; Basaleh, Ahamed Saed

أبعاد إقتصادية
Volume 15, Numéro 1, Pages 266-288
2025-06-30

Effect Of Social Responsibility On Credit Decisions :field Study On Yemeni Banks Working At Hadhrmout Governorate

الكاتب : Alkasadi Mohammed Saleh Salim . Basaleh Ahamed Saed .

الملخص

The aim of this study is to understand the effects of the bank-issued credit decisions on the social responsibilities (A Field Study of Hadhramaut Based Yemeni Banks). And to achieve such an aim, the researcher developed a survey in two parts. The first part was designed to target the social responsibility with toward the employees, the clients, the society, and the environment. While the second part was designed to target the credit decisions as a whole unit including: the personality of the decision makers, the reason for the credit, the ability of the client to pay off their debt, the credit policy followed in the bank.We used to test the hypothesis, regression analysis as well as the T-test ,were used. The results obtained from the study are as follows: There is an average statistical proportional relation on the social responsibility of the credit decisions in general. This is due to the proportional of each of the social responsibility dimensions toward the employees, the clients, the society, and the environment to the credit decisions. There are not any statistical differences among the estimated averages of the persons in the sample, except in the educational qualification. The study concluded that there is not any effect of the educational qualification on the credit decision making, and this is because the decisions are made centrally, that is by the Central bank. And that the credit policy of the bank does not allow the employees (in the sample) to express themselves..