A survey of the opinions of a sample of workers in the Kurdistan International Bank for Investment and Development and Cihan Investment and Islamic Finance regarding the factors affecting the decision to grant credit facilities to small projects
DOI:
https://doi.org/10.25007/ajnu.v9n4a952Abstract
Small enterprises, due to the nature of these projects, often suffer from difficulties in obtaining the necessary bank financing to sustain and develop their various activities. Accordingly, there are a number of factors that Islamic banks verify before agreeing to grant bank credit to these projects, for which the Kurdistan International Bank for Investment and Development and the Cihan Bank for Islamic Investment and Finance were elected as a model. These factors were identified by the researcher in the questionnaire within four axes.
The research reached a number of conclusions, perhaps the most important of which are: The applicability of the research hypothesis which states: (The presence of a moral effect for the four axes identified by the research, for their role in the two banks' decision to grant credit facilities) He concluded by the necessity of studying and analyzing the economic and political factors and variables surrounding the Kurdistan Region of Iraq, its unstable relationship with the central government and the changes in the situation of the region, before agreeing to grant credit facilities to small projects.
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References
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1. مصرف جيهان للأستثمار والتمويل الأسلامي، 2007 ، اربيل،العراق .
2. مصرف كوردستان الدولي السلامي للاستثمار والتنمية، 2008 ، اربيل،العراق .
5.7الانترنيت
1. (www.ayadina-kenama.com)
2. (www.alwasatnews/172213.htm)
3. (www.kbid.com/arabic/our-bank)
4. (www.cihanbank.com-iq)
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