Business Ethics Components and Credit Status of Legal Banking Customers

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etebari mohammadreza; Feghhi farahmand Naser; IRANZADE SOLEIMAN

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Journal: Ethics in Science and Technology Year:2021 | Volume:16 | Issue:2 Page(s): 137-145

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Information Journal Paper

Title

Business Ethics Components and Credit Status of Legal Banking Customers

Author(s)

etebari mohammadreza | Feghhi farahmand Naser | IRANZADE SOLEIMAN | Issue Writer Certificate

Keywords

Business ethics

Credit status

Legal customers

Abstract

Background: Credit risk is one of the most important issues of the banking system that can cause financial and economic crises at micro and macro level. Accordingly, a number of studies have shown that ethical variables can minimize bankschr('39') credit risk. However, many empirical studies are not available. Accordingly, the purpose of this study is to examine the components of Business ethics based on the Credit status of bankschr('39') Legal customers. Method: This study is one of the post hoc studies. The statistical population of this study includes all Legal customers of Pasargad Bank Northwest who received credit facilities from Bank before 2019. The sample size of 157 legal clients is divided into two groups of current and past clients. Purposive sampling was used. Questionnaire was used for data collection. Its validity and reliability were confirmed by confirmatory factor analysis and Cronbachchr('39')s alpha coefficient. Multivariate analysis of variance was used to analyze the data. Results: Findings show that there is a significant difference between the ethical components of business between current and past customers and the average score of current customers is higher than past customers. Conclusion: The Results: show that ethical components can determine the Credit status of legal clients and it is necessary to use ethical components in credit risk assessment models. Considering these components in lending can reduce credit risk.

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APA: Copy

etebari, mohammadreza, Feghhi farahmand, Naser, & IRANZADE, SOLEIMAN. (2021). Business Ethics Components and Credit Status of Legal Banking Customers. ETHICS IN SCIENCE & TECHNOLOGY, 16(2 ), 137-145. SID. https://sid.ir/paper/960953/en

Vancouver: Copy

etebari mohammadreza, Feghhi farahmand Naser, IRANZADE SOLEIMAN. Business Ethics Components and Credit Status of Legal Banking Customers. ETHICS IN SCIENCE & TECHNOLOGY[Internet]. 2021;16(2 ):137-145. Available from: https://sid.ir/paper/960953/en

IEEE: Copy

mohammadreza etebari, Naser Feghhi farahmand, and SOLEIMAN IRANZADE, “Business Ethics Components and Credit Status of Legal Banking Customers,” ETHICS IN SCIENCE & TECHNOLOGY, vol. 16, no. 2 , pp. 137–145, 2021, [Online]. Available: https://sid.ir/paper/960953/en

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