Academy of Accounting and Financial Studies Journal (Print ISSN: 1096-3685; Online ISSN: 1528-2635)


Factors Affecting Credit Policy in Islamic Banks of Jordan

Author(s): Hanan Ahmad Qudah, Khawla Kassed Abdo, Laith Akram Al-Qudah, Hussein Mohammad Aldmour, Mohammad Zakaria AlQudah

The study aimed to indicate the most prominent components of the credit policy in Islamic banks of Jordan and to indicate the factors affecting those banks. The descriptive and analytical approach used SPSS to collect data through the design of a questionnaire distributed to the study sample and the study reaches the following results: There are no significant statistical differences in the components of the credit policy in Islamic banks of Jordan, from one bank to another. The following factors (the experience and competence of the bank's employees, the bank's financial resources, the nature of the bank's management) have a statistically significant impact on the credit policy of Islamic banks of Jordan. All factors accounted for 21.4% of the discrepancy in the bank's credit policies. The study made several recommendations, the most important of which were: The need for Islamic banks of Jordan to continue to develop and follow up their credit policy continuously. So be strong competition with traditional banks.

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