الفهرس | Only 14 pages are availabe for public view |
Abstract This study aimed to identify the role of internal control and increase its effectiveness in reducing the risk of bank loan portfolio and increasing productivity in the agricultural banks. To achieve this goal, the researcher conducting the field study is based on quantitative data is to undertake research Almiadny through questionnaires supported by personal interviews to collect the necessary data for the study, and the study results suggest: 1. The results of correlation analysis and relative contribution shown that there are (11) variable have influence moral high degree on the role and importance of internal controls in the productivity of the loan portfolio evaluation of the most important of the existence of the management of credit risks, a concession the bank for part of the strugglers, grants credit in installments of the loan, Note sharp fluctuations in the liquidity of the client. 2. There is a significant statistical significant differences between categories investigator them about the role and importance of internal controls in the productivity of the loan portfolio evaluation.. 3. There is a prophetic influential variables on loans, including: the application of loans and conditions agreement, commitment to the rules governing credit, assessing the relative importance of loans, loans under surveillance statement in a separate item. There is also an impressive predictive variables on the quality of the loan portfolio, including: Decentralized collection of follow-up installments loans, note repeat raise the ceiling on the credit facilities by the client, predicted appearances stumble early, declining credit rating for the facility client. 4. The results of the factor analysis of the implementation of the proposed framework of the most important variables of the study leads to increase the effectiveness of the role of internal control in reducing the risk of the loan portfolio and raise productivity by (82.66%), a high amount of improvement due to the high degree of statistical spirituality. |