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Document Type |
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Thesis |
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Document Title |
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THE EFFECT OF SOCIAL RESPONSIBILITY DISCLOSURE ON FINANCING AND LENDING DECISIONS : AN EMPIRICAL STUDY IN SAUDI ARABIA . أثر الإفصاح عن المسؤولية الاجتماعية على قرارات التمويل والاقراض : دراسة ميدانية في المملكة العربية السعودية |
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Subject |
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Faculty of Economics and Administration |
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Document Language |
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Arabic |
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Abstract |
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This study aims to gain insights on the role and impact of disclosure of social responsibility on the credit decisions made by (government or private) financial institutions in the Kingdom of Saudi Arabia. To achieve this aim, the analytical descriptive method has been employed. A questionnaire has been created and randomly distributed to a sample of (127) credit decision makers in both government and private sectors. Several statistical methods have been utilized including frequency, percentages, Pearson correlation coefficient, Cronbachs alpha mean, one-way analysis of variance (ANOVA), and T-tests. The study findings show that the financial government and private institutions rely on the social responsibility information when making credit decisions. Moreover, the findings show that disclosure of social responsibility information impacts the credit-granting decisions in several ways: it improves access to credit, enables the disclosing entity to obtain higher value financing, reduces the need for collaterals, provides a higher maturity period, and reduces the financing costs for the financial institutions in the private sector. However, it doesn’t affect the financing costs in the government financial institutions. The findings also show that there are no significant differences between the government and the private sectors in terms of the impact of disclosure of social responsibility on the decisions of the financial institutions. In view of the study findings, several recommendations have been made. First, it is recommended that the financial government and private institutions should identify the training needs of their credit personnel and provide them with regular training courses that aim to improve the skills of the credit decision makers. It is also recommended to ensure the availability of testimonies that corroborate the borrowing entity has no associations with human rights violations. Finally, it is recommended to raise awareness of the borrowing |
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Supervisor |
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Dr. Khaldoun Al-Hatabat |
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Thesis Type |
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Master Thesis |
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Publishing Year |
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1441 AH
2019 AD |
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Added Date |
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Sunday, November 3, 2019 |
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Researchers
| فرح فواز نجدية | Najdieh, Farah Fawaz | Researcher | Master | |
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