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The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus

Bank Islam Malaysia Berhad (BIMB) Samarahan Branch, experienced extreme increased in non-performance-financing (NPF) accounts after 3 year of it pronounce operation. The alarming increased had inspired researcher to conduct this research in determining the main caused. Since credit assessment played...

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Main Author: Unus, Sazali
Format: Thesis
Language:English
Published: 2002
Subjects:
H Social Sciences (General)
Study and teaching. Research
Online Access:https://ir.uitm.edu.my/id/eprint/92362/1/92362.pdf
https://ir.uitm.edu.my/id/eprint/92362/
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spelling my.uitm.ir.923622024-03-22T06:03:52Z https://ir.uitm.edu.my/id/eprint/92362/ The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus Unus, Sazali H Social Sciences (General) Study and teaching. Research Bank Islam Malaysia Berhad (BIMB) Samarahan Branch, experienced extreme increased in non-performance-financing (NPF) accounts after 3 year of it pronounce operation. The alarming increased had inspired researcher to conduct this research in determining the main caused. Since credit assessment played vital role in credit decision, this study therefore focus on the effectiveness of bank credit assessment practiced on the investigation of borrower’s character, capacity and condition factor. Survey had been conducted on bank’s existing customer as respondent. The main aim is to evaluate the effectiveness of credit assessment practiced. To identify what is the dominant factors that contribute to the non-performance-financing. The study is also to measure the profile of customer (respondent) in term of their demographic characteristic. Based on the finding outcomes, the character element is the dominant factor that has significant impact to performance of the NPF level. Therefore, it is concluded that the credit assessment method of Bank Islam Malaysia Berhad Samarahan Branch had failed to investigate and interpret the real character of potential borrower. Finally few recommendation was made to accommodate the deficiency based on theory developed by financial expertise on the credit management. 2002 Thesis NonPeerReviewed text en https://ir.uitm.edu.my/id/eprint/92362/1/92362.pdf The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus. (2002) Degree thesis, thesis, Universiti Teknologi MARA Sarawak.
institution Universiti Teknologi Mara
building Tun Abdul Razak Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Teknologi Mara
content_source UiTM Institutional Repository
url_provider http://ir.uitm.edu.my/
language English
topic H Social Sciences (General)
Study and teaching. Research
spellingShingle H Social Sciences (General)
Study and teaching. Research
Unus, Sazali
The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus
description Bank Islam Malaysia Berhad (BIMB) Samarahan Branch, experienced extreme increased in non-performance-financing (NPF) accounts after 3 year of it pronounce operation. The alarming increased had inspired researcher to conduct this research in determining the main caused. Since credit assessment played vital role in credit decision, this study therefore focus on the effectiveness of bank credit assessment practiced on the investigation of borrower’s character, capacity and condition factor. Survey had been conducted on bank’s existing customer as respondent. The main aim is to evaluate the effectiveness of credit assessment practiced. To identify what is the dominant factors that contribute to the non-performance-financing. The study is also to measure the profile of customer (respondent) in term of their demographic characteristic. Based on the finding outcomes, the character element is the dominant factor that has significant impact to performance of the NPF level. Therefore, it is concluded that the credit assessment method of Bank Islam Malaysia Berhad Samarahan Branch had failed to investigate and interpret the real character of potential borrower. Finally few recommendation was made to accommodate the deficiency based on theory developed by financial expertise on the credit management.
format Thesis
author Unus, Sazali
author_facet Unus, Sazali
author_sort Unus, Sazali
title The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus
title_short The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus
title_full The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus
title_fullStr The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus
title_full_unstemmed The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus
title_sort effectiveness of credit assessment policy of bank islam malaysia berhad samarahan branch / sazali unus
publishDate 2002
url https://ir.uitm.edu.my/id/eprint/92362/1/92362.pdf
https://ir.uitm.edu.my/id/eprint/92362/
_version_ 1794641477831229440
score 13.211869

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