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dc.contributor.authorElsakit, Omer
dc.contributor.authorWorthington, Andrew
dc.date.accessioned2017-05-03T15:44:31Z
dc.date.available2017-05-03T15:44:31Z
dc.date.issued2013
dc.date.modified2013-12-02T23:58:58Z
dc.identifier.issn19169728
dc.identifier.doi10.5539/ijef.v5n1p112
dc.identifier.urihttp://hdl.handle.net/10072/54737
dc.description.abstractThere is no doubt that collecting and analysing information is the key element in the process of decision making. Lending decisions, taken by banks, are not exception. In order to ensure that lending decisions are serving banks' goals, the process of taking such decisions involves, inter alia, gathering and analysing information about the prospective and actual clients, who are seeking loans. Such information is mainly related to the financial performance of banks' clients. The recent trend of considering information other than financial one, particularly in developed countries, seems to be basically enforced, rather than promoted, by power of the law. This can be noted in the increasing interest of banks in environmental information, while social information is still, to some extent, far from the attention of such banks. Other factors, such as religious instructions are suggested to play a role in encouraging banks to consider social information. In the case of developing countries, social and environmental information alike seems to be out of banks attention due to many factors including the absence of related laws and the weakness of desire and capacity for enforcing such laws in case of their existence. This article tries to provide more explanation for these points.
dc.description.peerreviewedYes
dc.description.publicationstatusYes
dc.format.extent163550 bytes
dc.format.mimetypeapplication/pdf
dc.languageEnglish
dc.language.isoeng
dc.publisherCanadian Center of Science and Education
dc.publisher.placeCanada
dc.relation.ispartofstudentpublicationY
dc.relation.ispartofpagefrom112
dc.relation.ispartofpageto120
dc.relation.ispartofissue1
dc.relation.ispartofjournalInternational Journal of Economics and Finance
dc.relation.ispartofvolume5
dc.rights.retentionY
dc.subject.fieldofresearchFinance
dc.subject.fieldofresearchcode150201
dc.titleUsing Environmental and Social Information in Lending Decisions
dc.typeJournal article
dc.type.descriptionC1 - Articles
dc.type.codeC - Journal Articles
gro.facultyGriffith Business School, Department of Accounting, Finance and Economics
gro.rights.copyright© The Author(s) 2013. The attached file is reproduced here in accordance with the copyright policy of the publisher. For information about this journal please refer to the journal’s website or contact the authors.
gro.date.issued2013
gro.hasfulltextFull Text
gro.griffith.authorWorthington, Andrew C.
gro.griffith.authorElsakit, Omer


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