تأثير القروض المتعثرة في ربحية المصارف التجارية الاردنية
الشريط الجانبي للمقالة
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محتوى المقالة الرئيسي
الملخص
هدفت الدراسة الحالية إلى التحقيق في العلاقة بين القروض المتعثرة وربحية المصارف التجارية الأردنية. تم تحليل بيانات 13 مصرفاً تجارياً للفترة 2010- 2023. تم توظيف البيانات المقطعية Data Panel والتي تجمع بيـن الـسلاسـل الزمنية والبيانات المقطعية، تم توظيف الوصف الاحصائي وثلاثة نماذج انحدار، وهي؛ نموذج الانحدار التجميعي، والآثار الثابتة، والآثار العشوائي، لاختبار الفرضيات. وجدت النتائج إن القروض المتعثرة لها تأثير سلبي ومعنوي على ربحية المصارف التجارية الاردنية والمتمثلة بالعائد على الموجودات ROA والعائد على حق الملكية ROE. فضلاً عن ذلك، أظهرت الدراسة أن حجم المصرف وكفاية رأس المال يؤثران ايجابياً ومعنوياً في ربحية المصارف التجارية، في حين وجدت النتائج أن نسبة القروض إلى اجمالي الودائع تؤثر بشكل سلبي ومعنوي في ربحية المصارف التجارية الاردنية. وتوصي الدراسة ادارات المصارف بضرورة الاهتمام بإدارة القروض المتعثرة والتعامل معها بطرق صحيحة خاصة في ظل الظروف الاستثنائية كما حصل في فترة جائحة COIVD-19 مما يساعد في صياغة استراتيجيات للتخفيف من المخاطر الائتمانية وضمان استقرار القطاع المصرفي الأردني.
التنزيلات
تفاصيل المقالة
المراجع
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