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)
Online Access:	https://ir.uitm.edu.my/id/eprint/92362/1/92362.pdf
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id	my-uitm-ir.92362
record_format	uketd_dc
spelling	my-uitm-ir.923622024-03-22T06:03:52Z The effectiveness of credit assessment policy of Bank Islam Malaysia Berhad Samarahan Branch / Sazali Unus 2002 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 https://ir.uitm.edu.my/id/eprint/92362/ https://ir.uitm.edu.my/id/eprint/92362/1/92362.pdf text en public degree Universiti Teknologi MARA Sarawak Faculty of Business Management
institution	Universiti Teknologi MARA
collection	UiTM Institutional Repository
language	English
topic	H Social Sciences (General) H Social Sciences (General)
spellingShingle	H Social Sciences (General) H Social Sciences (General) 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
qualification_level	Bachelor degree
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
granting_institution	Universiti Teknologi MARA Sarawak
granting_department	Faculty of Business Management
publishDate	2002
url	https://ir.uitm.edu.my/id/eprint/92362/1/92362.pdf
_version_	1804889853778722816

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

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