Volume 25, Issue 2, January 2019, Pages 645–659
KIAYIMA KITENGIE Jules1 and MUKALALIRYA KAMBALE Bernard2
1 Assistant, Institut Supérieur de Commerce de Kisangani et Chercheur de l’Université Catholique de Bukavu, RD Congo
2 Professeur, Institut Supérieur de Commerce de Kinshasa, RD Congo
Original language: French
Copyright © 2019 ISSR Journals. 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.
The decision to grant credit to a small and medium-sized business (trader) by FBNBANK is essentially based on the analysis of its liquidity. However, other criteria such as the evolution of operation of the account, the guarantee or validity of demand, the seniority of the relations with the bank, the importance of the turnover, financial structure can also influence the decision of the banker. This study has highlighted determinants essential to decision to grant credit to merchants that must be used by commercial banks, and those used by FBNBANK. At the end of this analysis, we say that FBNBANK's credit granting determinants to small and medium-sized businesses are a special way of managing credit risk for its clients. They are defined by the bank taking into account origin of credit risk as well as their implementation and constitute a common standard for the various parties involved in the credit granting decision in order to allow a good credit risk assessment. You have to analyze the credit file, analysis of balance sheet and profit and loss account, the analysis of financial balance and know personality of company manager. The bank focuses on company's debt capacity and the resource structure it has. This analysis is made on basis of calculation of different ratios before registration of loan requested by the merchant to examine consequences of its possible granting.
Author Keywords: Analysis, determinants, granting, credit, traders.
KIAYIMA KITENGIE Jules1 and MUKALALIRYA KAMBALE Bernard2
1 Assistant, Institut Supérieur de Commerce de Kisangani et Chercheur de l’Université Catholique de Bukavu, RD Congo
2 Professeur, Institut Supérieur de Commerce de Kinshasa, RD Congo
Original language: French
Copyright © 2019 ISSR Journals. 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.
Abstract
The decision to grant credit to a small and medium-sized business (trader) by FBNBANK is essentially based on the analysis of its liquidity. However, other criteria such as the evolution of operation of the account, the guarantee or validity of demand, the seniority of the relations with the bank, the importance of the turnover, financial structure can also influence the decision of the banker. This study has highlighted determinants essential to decision to grant credit to merchants that must be used by commercial banks, and those used by FBNBANK. At the end of this analysis, we say that FBNBANK's credit granting determinants to small and medium-sized businesses are a special way of managing credit risk for its clients. They are defined by the bank taking into account origin of credit risk as well as their implementation and constitute a common standard for the various parties involved in the credit granting decision in order to allow a good credit risk assessment. You have to analyze the credit file, analysis of balance sheet and profit and loss account, the analysis of financial balance and know personality of company manager. The bank focuses on company's debt capacity and the resource structure it has. This analysis is made on basis of calculation of different ratios before registration of loan requested by the merchant to examine consequences of its possible granting.
Author Keywords: Analysis, determinants, granting, credit, traders.
Abstract: (french)
La décision d’accorder un crédit à une petite et moyenne entreprise (commerçant) par la FBNBANK repose essentiellement sur l’analyse de sa liquidité. Cependant, d’autres critères comme l’évolution du fonctionnement du compte, la garantie ou le bien-fondé de la demande, l’ancienneté des relations avec la banque, l’importance du chiffre d’affaires, la structure financière peuvent également influencer la décision du banquier. Cette étude a permis de mettre en évidence les déterminants essentiels à la décision d’octroi de crédit aux commerçants que doivent utiliser les banques commerciales, et ceux utilisés par la FBNBANK. Au terme de cette analyse, nous disons que les déterminants d’octroi de crédit de la FBNBANK aux petites et moyennes entreprises constituent un moyen spécial pour la gestion des risques de crédit à ses clients. Ils sont définis par la banque en tenant compte de l’origine du risque de crédit ainsi que leur mise en œuvre et constituent un standard commun pour les différents intervenants de la décision d’octroi de crédit afin de permettre une bonne appréciation du risque de crédit. Il faut faire l’analyse du dossier de crédit, l’analyse du bilan et compte de résultat, l’analyse de l’équilibre financier et bien connaître la personnalité du dirigeant de l’entreprise. La banque porte son attention sur la capacité d’endettement de l’entreprise et sur la structure des ressources dont elle dispose. Cette analyse est faite sur base de calcul de différents ratios avant l’enregistrement du prêt demandé par le commerçant pour examiner les conséquences de son éventuel octroi.
Author Keywords: Analyse, déterminants, octroi, crédit, commerçants.
How to Cite this Article
KIAYIMA KITENGIE Jules and MUKALALIRYA KAMBALE Bernard, “ANALYSE DES DETERMINANTS D’OCTROI DE CREDIT BANCAIRE AUX COMMERCANTS DE KISANGANI PAR LA FIRST BANK OF NIGERIA (FBNBANK) - AGENCE DE KISANGANI,” International Journal of Innovation and Applied Studies, vol. 25, no. 2, pp. 645–659, January 2019.
