Version 1
: Received: 5 July 2023 / Approved: 6 July 2023 / Online: 6 July 2023 (11:33:22 CEST)
How to cite:
ÇETİN, A.İ.; ÇETİN, A.E.; Ahmed, S.E. The Impact of Non-Financial and Financial Variables on Credit Decision in Companies of Service Sector in Turkey. Preprints2023, 2023070429. https://doi.org/10.20944/preprints202307.0429.v1
ÇETİN, A.İ.; ÇETİN, A.E.; Ahmed, S.E. The Impact of Non-Financial and Financial Variables on Credit Decision in Companies of Service Sector in Turkey. Preprints 2023, 2023070429. https://doi.org/10.20944/preprints202307.0429.v1
ÇETİN, A.İ.; ÇETİN, A.E.; Ahmed, S.E. The Impact of Non-Financial and Financial Variables on Credit Decision in Companies of Service Sector in Turkey. Preprints2023, 2023070429. https://doi.org/10.20944/preprints202307.0429.v1
APA Style
ÇETİN, A.İ., ÇETİN, A.E., & Ahmed, S.E. (2023). The Impact of Non-Financial and Financial Variables on Credit Decision in Companies of Service Sector in Turkey. Preprints. https://doi.org/10.20944/preprints202307.0429.v1
Chicago/Turabian Style
ÇETİN, A.İ., Arzu Ece ÇETİN and Syed Ejaz Ahmed. 2023 "The Impact of Non-Financial and Financial Variables on Credit Decision in Companies of Service Sector in Turkey" Preprints. https://doi.org/10.20944/preprints202307.0429.v1
Abstract
The service sector, whose value has started to increase in recent years, has gained momentum with the acceleration of economic developments especially after the 2000s in Turkey. In a world where competition is increasing and social purchase perception is changing, companies started to differentiate in the service sector to create a competitive advantage. Companies that would like to grow in the industry and aspire to a greater proportion need credit to extend. There are many factors to consider in order to allocate the credit. Banks make financial and non-financial analysis to make credit decisions. This study has been prepared to assess the effect of financial and non-financial features of middle segment companies that need credit in the service sector on the credit decision to be allocated by banks. The group of variables that explain the credit decision at the highest level in these companies are non-financial variables.
Keywords
credit decision; determinants of credit; qualitative variables; financials; service sector
Subject
Business, Economics and Management, Finance
Copyright:
This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
