Credit Analysis for Libyan Commercial Banks: A Case Study of Sahara Bank

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Credit Analysis for Libyan Commercial Banks: A Case Study of Sahara Bank

June 18, 2021 Economics and Management 0

Despite significant progress in many countries, as measured by commercial bank progress and development. This investigation and evaluation of its credit activities became critical in order to ensure the organization’s quality and effectiveness. Credit, on the other hand, is one of the most important tasks, ensuring the importance of assessment. The study’s goal is to investigate and analyze credit banking as it is practiced at one of Libya’s commercial banks (Sahara Bank). Commercial banks simply do not abandon their role as a financial intermediary, allocating funds. financial resources to meet a variety of demands in order to make a profit The study’s main findings were as follows: a) the lower the risk index of nonpayment for loans and burdens, and the lower the safety margins to meet the risk of the loans. b) Despite the importance of measuring the cost of each revenue activity separately to ensure its efficiency and to keep track of any problems that may arise and affect its profitability, the accounting system used does not provide data and information on the costs of each revenue activity. The Sahara Bank’s most important recommendations include risk lending evaluation in order to provide meaningful periodic information and effectively. establishing an accounting system, as well as the need to provide competent human cadres on a scientific and practical basis

Author (s) Details

Munir Ali Husien
School of Economics & Management, Beihang University, China.

Han Liyan
School of Economics & Management, Beihang University, China.

View Book :- https://stm.bookpi.org/IEAM-V10/article/view/1476

 

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