Title:
THE ROLE OF STRATEGIC ANALYSIS IN DETERMINING CREDIT POLICIES

Authors:
Ayad Hadi Abdul Bari, Marwa Juma Tameh, Hani Hameed Mushajel, Iraq

Abstract:

The aims of this research are to identify the aspects of strategic analysis and the factors influencing the granting of credit and its standards, identify the relationship between economic, legal and social variables on credit policy, and determine the relationship between information systems and credit policies. Where the problem of research is to study the relationship between the strategic analysis and definition of credit policy, To achieve the research objectives and solve the problem, the researchers conducted a questionnaire distributed to a group of government and private banks, The research reached a number of conclusions, the most important of which is that there is a significant impact of the strategic analysis which is represented by variables of the external environment (economic, social and political) in determining the credit policy. There is a significant analysis of the strategic analysis of internal environment variables (information systems and value of the organization) in determining credit policy. The study concluded with a set of recommendations, the most important of which requires banks to use modern methods in analyzing the risks of using technology and related information in the organization, and recommends the study of diversification in the services provided by the bank in the light of modern technological developments, and recommends the research of the proper ethical dealings with the needs of the community and the recognition of their current and future needs.