تفاصيل الرسالة العلمية

The aim of this study was to examine the factors affecting financing in Islamic Banks working in Jordan. The sample of this study consisted of all credit managers in Islamic banks working in Jordan, amounting to (174), whereas a questionnaire survey was designed and distributed to them. A total of (143) questionnaires were retrieved and exclude (3) questionnaires are not valid for the purposes of statistical analysis, so that the number of the questionnaires which valid for the purposes of statistical analysis were (140) questionnaires formed (80.5%) of overall distributed questionnaires; the questionnaires have been analyzed by using some of statistical test. The results indicated that there is a statistically significant impact for each of: Biography of the client, the client's ability to repay, the bank's capital, guarantees provided, the purpose of the credit, and economic conditions in the financing in Islamic banks working in Jordan. The study recommended that Islamic banks working in Jordan have to pay attention to the different criteria related to financing their clients to reach the optimal financing decision without bad debt