ANALYSIS OF THE FACTORS IMPACTING THE SLOWNESS OF PRIMARY BANKS IN THE SETTING UP OF CREDITS TO INDIVIDUALS IN BENIN
Keywords:
Abstract
The objective of this study is to examine the factors contributing to the delay in primary banks granting credit to individuals. For this purpose, we collected data from 101 individuals using paper questionnaires. Subsequently, we constructed a database to organize the recorded data. Using the R software, we performed data processing. Our analysis involved two methods: descriptive analysis and econometric analysis.
The findings from this analysis indicate that internal organization, file quality, and administrative procedures for processing files have a significant impact on the delayed implementation of credit. To address these issues, we have developed recommendations for the managers of these institutions based on the obtained results. These recommendations aim to alleviate the problems associated with slowness in credit processing.
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