Determinants of demand for banking facilities a practical study of a sample of beneficiaries in DHI QAR governorate

摘要

Banking facilities are a very important function, as banking departments are concerned about the most important aspects of the recruitment of their funds and the main source of their revenues, The banks have been and continue to act as a financial intermediary between the audience of depositors and investors, they collect savings and guide them to different areas of investment, So we find it interested in the development of credit policies that take into account the achievement of the objectives of the bank and satisfy the requirements of customers and banking laws and legislation, From here, the research highlighted the most important factors affecting the demand for these facilities by applying to a sample of beneficiaries in Dhi Qar Governorate through the distribution of a questionnaire form designed for that purpose, The results of the study showed that the most important of these factors is the high interest rates and discount, which is an obstacle in the request for banking facilities, In light of these recommendations, the most important of which was the need to reconsider the interest rates and discount to encourage customers to request banking facilities and commensurate with the prevailing economic situation and investment opportunities available.