Investigating the Impact of Financial and Personality Variables on Credit Risk of Banks' Real Customers (Case Study: Omid Entrepreneurship Fund Branches in Markazi Province)

Abstract

Credit risk is one of the most important challenges confronted by banks, and customers' credit rating is one of the most commonly used methods to measure credit risk that is widely used nowadays. In this way, the better and more effective control of the collected funds is possible (optimal allocation of costs) and significantly reduces the returns to the bank and the probability of credit risk. The purpose of this study was to investigate the effect of financial variables on the credit risk of real customers of Omid Entrepreneurship Fund Branches in Markazi Province and deals with collecting and reviewing the sample views of 54 managers and 11 employees of Omid Entrepreneurship Fund Branches in Markazi Province. The research method in the present study is applied based on the purpose and descriptive-survey based on the type. The library method was used to collect the data, in the field section, the questionnaire method was used to collect data. The questionnaire of the study has been designed based on the data obtained from the basic fundamentals of the study and with regard to the dependent and independent variables of the study, namely, financial variables and credit risk of consumers in 15 questions based on the five-item Likert scale and is a reason for using the Likert scale with regard to accuracy, reliability and simplicity of the appropriate scale for use in different domains. In order to investigate the normality of data distribution and determining the type of appropriate statistic test for data analysis, the results of the K-S test was considered as the criterion. Ultimately, in this research, in case of the normality, the one sample t-test was used and in case of the non-normality, a binominal test was used. Meanwhile, SPSS software was used for calculating. After collecting data and analyzing the findings, all the sub-hypotheses were accepted. Also, the main hypothesis of the research was also tested and accepted, therefore, it can be said that the financial variables of the customers (including the duration of cooperation, remaining debt, type of collateral, average account balances, having an experience of returned check, having an experience of maturing liability, and the duration of refunding) affects the credit risk of the real customers of the branches of Omid entrepreneurial fund of Markazi province.

Keywords: Remaining debt, debt type, Returned check, Maturing liability, Credit risk.