التكامل الاقتصادي
Volume 13, Numéro 2, Pages 105-120
2025-06-30
Assessing The Extent Of Algerian Public Banks’ Commitment To The Factors Influencing Credit Granting Decisions For Clients: Field Study Of The Bank Of Agriculture And Rural Development In Adrar State, Algeria.
Authors : Mimouni Belkacem . Othmani Zine El Abidine . Belouar Laila .
Abstract
The present research endeavors to evaluate the level of adherence exhibited by Algerian public banks concerning the determinants impacting customer decisions in the realm of bank credit. To accomplish this objective, researchers executed a study in conjunction with the Bank of Agriculture and Rural Development in Adrar, involving the administration of questionnaires and the application of SPSS software for data analysis. The study yielded several key findings, notably that the Bank of Agriculture and Rural Development in Adrar demonstrates adherence to factors concerning customers' financial positions and the guarantees they provide when deciding on credit approvals. The research underscores the importance for bank management to prioritize factors associated with personal reputation, as they significantly influence credit approval decisions.
Keywords
Bank Credit Decision ; Financial Position ; Personal Reputation ; Guarantees Provided
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