مدى اعتماد بيت التمويل الكويتي علي القوائم المالية المدققة في اتخاذ القرارات الاقراض

الذروة, محمد (2014) مدى اعتماد بيت التمويل الكويتي علي القوائم المالية المدققة في اتخاذ القرارات الاقراض. Masters thesis, جامعة الشرق الاوسط.

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Abstract

The study aimed to determine the extent of Kuwait Finance House adopting on audited financial statements in taking credit decisions, and a questionnaire was prepared composed of two sections, the first section consists of (27) paragraphs distributed on (4) dimensions to collect the data necessary to test hypotheses of the study, and these dimensions are (balance statement, income statement, shareholders' equity statement and cash flows statement). The second section consists of (20) terms measuring lending decisions in Kuwait Finance House. The study sample consisted of 61 members of department heads and credit analysts at Kuwait Finance House. The study results showed that the level of (balance statement, income statement, shareholders' equity statement and cash flows statement) were high, as the results showed a significant relationship for each of the dimensions that Kuwait Finance House use in lending decisions. The study recommended the need of Kuwait Financial House to adopt the financial statements in lending decisions making. The study results also showed a positive role of the financial statements in lending decisions making, which in turn contributes to the financial stability of the bank.

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