IIARD International Institute of Academic Research and Development

INTERNATIONAL JOURNAL OF SOCIAL SCIENCES AND MANAGEMENT RESEARCH (IJSSMR )

E-ISSN 2545-5303
P-ISSN 2695-2203
VOL. 10 NO. 10 2024
DOI: 10.56201/ijssmr.v10.no10.2024.pg.302.315

---

The Role of Bank Credit In Enhancing Logistics Services: A Prospective Study On The Phenomenon Of Slums

Khalil Ibrahim Issa, Zain AlAbidean J. Mohammed

---

Abstract

The current research aims to show the effect of bank credit granted by the banking sector in enhancing the logistical services of Iraqi society. The phenomenon of slums was chosen as a research problem due to the great negative effects of this phenomenon through its impact on the urban, social, economic, and security reality of society. The research presents five strategies (the strategy of removal and compensation with a cash allowance, the strategy of removal and compensation with housing units, the strategy of removal and distribution of plots of land for transgressors, the strategy of contracting for rent, the strategy of organization, sale, and ownership) to confront this problem that took root after 2003. A questionnaire was designed to measure search variables. The research was applied in the provinces of Najaf and Basra, and (160) questionnaires were distributed, and (150) forms valid for measurement and analysis were received. The results show that the solutions to the problem of slums lie in the intervention of the banking sector as a grantor of credit because of its great capabilities and resources that can be exploited in employing solutions to the problem. The results also show that the phenomenon of slums cast a delusion on the service, social and urban aspects of the cities surveyed.

keywords:

Bank credit, Logistics, Banking Efficiency, Financial Performance

---

References:

Ahiable, E. Y. (2012). An Assessment of Credit Management Practices at Agricultural
Development Bank (ADB) Branches in the Eastern Region of Ghana.
Benjamin, A. (2015). An Assessment of Credit Risk Management Practice of Agricultural
Development Bank Limited. A thesis paper submitted to School of Business, KNUST.
Bulir, M. A., & Gulde, M. A. M. (1995). Inflation and Income Distribution: Further
Evidenceon Empirical Links: International Monetary Fund.
Cenciarelli, V. G., Greco, G., & Allegrini, M. (2018). External audit and bankruptcy prediction.
Journal of Management and Governance, 22, 863-890.
Disemadi, H. S. (2019). Risk Management In The Provision Of People’s Business Credit As
Implementation Of Prudential Principles. Diponegoro Law Review, 4(2), 194-208.
Eichengreen, B. (2011). The new monetary and financial history. Monetary and Banking
History Essays in Honour of Forrest Capie, London, Routledge, 27-48.
EKECHUKWU, C., MBAH, P. C., & AMAH, J. T. (2018). Effects Of Bank Credit On The
Productive Capacity Of Manufacturing Firms In South-East Nigeria. Journal on
Banking Financial Services & Insurance Research, 8(2).
Gabgub, A. I. (2009). Analysis of non-performing loans in the Libyan state-owned commercial
banks: Perception analysis of the reasons and potential methods for treatment. Durham
University,
Hussin, N. (2011). An analysis of attitudes to Islamic and conventional credit cards in
Malaysia: Perspectives on selection criteria and impact analysis. Durham University,
Ito, T., & Orii, K. (2009). Early warning systems of currency crises. Policy Research Institute,
Ministry of Finance, Japan, Public Policy Review, 5(1), 1-24.
Kreinin, M. E., & Officer, L. H. (1978). The monetary approach to the balance of payments:
A survey: International Finance Section, Department of Economics, Princeton
University.
Li, X. (2022). Credit risk management in the current competitive condition in the Chinese
banking industry. Cardiff Metropolitan University,
Mardika, D. R. W., & Damayanti, T. W. (2018). Understanding the determinant of SME
owners’ intention to have bank credit. Polish Journal Of Management Studies, 17.
Prajapati, H., Shah, S., & Joshi, T. (2022). BORROWERS CHOICE BETWEEN
BORROWING FROM BANKS AND BORROWING FROM ARM’S LENGTH
SOURCES. International Journal of Management, Public Policy and Research, 1(1),
56-61.
Ratnawati, K. (2020). The influence of financial inclusion on MSMEs' performance through
financial intermediation and access to capital. The Journal of Asian Finance,
Economics and Business, 7(11), 205-218.

DOWNLOAD PDF

---

Back