تجارة - ماجستير
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Item اثر الديون المتعثرة علي ربحية المصارف دراسة حالة (مصرف الادخار والتنمية الاجتماعية)(جامعة النيلين, 2010) احلام علي طه محمدThe research has studied the problem of the impact of bad debts on the profitability of banks, a case study Savings Bank and Social Development, where the bank extends loans to customers to be invested in projects which earn incomes for the bank and it's customer. However bad debts had created difficulties for the bank and consequently it's profit rate was shaken. The following hypotheses has been examined / The influences of collaterals on rate of bad debts was negative 1 / The follow up of loans leads to lessen bad debts. 2 3/ Profitability of the bank was influenced by the bank's bad debts. The study has relied on historical, description and statistical methods. It has been proved the relationship between bad debts and profitability and collection of loans was reverse, while relationship between bad debts and total loans was direct. The research has reached the following results: 1/ The relationship between the bank and it's customer is one of creditor and debtor and it has been established on profit foundation. 2/ sufficient and suitable collaterals from the side of legal and administrative procedure, lessen bad debts. 3/ Inability to redeem bank's loans influence cash inflow to the bank's and it's profitability eventually the bank's fails to meet it's obligators to it's customers and banking system which results in week financial position of the bank. 4/ Non close follow-up of bank's investment loans leads to failure of customers to repay loans. The research gives the following recommendations: 1/ A bank before engaging in loans extension to customer must choose the right one with good reputation and who is expert in his investment activity, this may be achieved by collection of information about the customer especially for first-time contact. 2/ The bank must follow-up the customer thoroughly and to be sure he follows bank's directions through submitting regular reports to the bank. 3/ Bank must examine customer financial position to be sure he will be able to repay debt; moreover his other obligators to other banks must be examined. 4/ The bank must abide to central bank regulations concerning bank's loans. 5/ The bank must put strict control over post bad debtors. 6/ Customer experience in investment, his integrity and giving wrong information most be given great attention.Item اثر الديون المتعثرة علي ربحية المصارف : دراسة حالة مصرف الادخار والتنمية الاجتماعية(جامعة النيلين, 2010) احلام علي طه محمد10 The research has studied the problem of the impact of bad debts on the profitability of banks, a case study Savings Bank and Social Development, where the bank extends loans to customers to be invested in projects which earn incomes for the bank and it's customer. However bad debts had created difficulties for the bank and consequently it's profit rate was shaken. The following hypotheses has been examined / The influences of collaterals on rate of bad debts was negative 1 / The follow up of loans leads to lessen bad debts. 2 3/ Profitability of the bank was influenced by the bank's bad debts. The study has relied on historical, description and statistical methods. It has been proved the relationship between bad debts and profitability and collection of loans was reverse, while relationship between bad debts and total loans was direct. The research has reached the following results: 1/ The relationship between the bank and it's customer is one of creditor and debtor and it has been established on profit foundation. 2/ sufficient and suitable collaterals from the side of legal and administrative procedure, lessen bad debts. 3/ Inability to redeem bank's loans influence cash inflow to the bank's and it's profitability eventually the bank's fails to meet it's obligators to it's customers and banking system which results in week financial position of the bank. 4/ Non close follow-up of bank's investment loans leads to failure of customers to repay loans. The research gives the following recommendations: 1/ A bank before engaging in loans extension to customer must choose the right one with good reputation and who is expert in his investment activity, this may be achieved by collection of information about the customer especially for first-time contact. 2/ The bank must follow-up the customer thoroughly and to be sure he follows bank's directions through submitting regular reports to the bank. 3/ Bank must examine customer financial position to be sure he will be able to repay debt; moreover his other obligators to other banks must be examined. 4/ The bank must abide to central bank regulations concerning bank's loans. 5/ The bank must put strict control over post bad debtors. 6/ Customer experience in investment, his integrity and giving wrong information most be given great attention.