دور المصرف العقاري في حل مشكلة السكن حسب مقياس رضا العملاء

Authors

  • طالب أحمد
  • أحمد خيربك

Abstract

يتناول هذا البحث مساهمة المصرف العقاري في حل مشكلة السكن, و تسليط الضوء على أداء المصرف العقاري وقياس فاعلية المصرف من خلال رضا العملاء عن هذا الأداء وإذا كان بالفعل يغطي حاجتهم أم أنهم ما زالوا بحاجة إلى مصادر أخرى لتأمين الاستقرار السكني.

ومن أبرز النتائج التي تم الوصول إليها أنّ هناك حاجة فعلية لتقديم التمويل السكني وذلك من خلال المقارنة بين نصيب الفرد من الدخل القومي وسعر المسكن, وهناك مشكلة من ناحية التوافق بين قيمة القسط الشهري ودخل الفرد وسعر المسكن, وتبين من التحليل الإحصائي بان معظم أفراد العينة هم راضين إلى حد ما عن أداء المصرف العقاري كونه من أفضل أنواع القروض المتاحة من خلال المبلغ الإجمالي المقبوض وفترة السداد,ولكن من ناحية قيمة القسط فيعتبر عال نسبيا نسبة إلى متوسط نصيب الفرد من الدخل القومي على المستوى السنوي والشهري وان أكثر المؤثرات على اتخاذ العميل موقفه هو الضمان العالي للقرض, حيث انه يتوجب عليه تقديم دخله ودخل الكفلاء والمسكن كضمان.

This Research Deals With The Contribution Of The Real Estate Bank In Solving The Housing Problem, And Shedding Light On The Performance Of The Real Estate Bank And Measureing The Effectiveness Of The Bank Through Customer Satisfaction With This Performance, And Whether It Already Covers Their Needs Or Do They Still Need Other Sources To Secure Stable Housing. Among The Most Prominent Results That Have Been Accessed, There Is A Real Need To Provide Housing Finance By Compareing Per Capita Income With The Price Of House, There Is A Problem Of Compatibility In Terms Of The Value Of The Monthly Premium And Per Capita Income And The Price Of Housing. The Statistical Analysis Shows That Most Of The Respondents Are  Partially Satisfied With The Performance Of The Real Estate Bank Because It Is One Of The Best Types Of Loans Available Through The Total Received Amount And The Repayment Period. But The Value Of The Premium Is Considered A Relatively High Proportion Of The Average Per Capita Income On The Annual And Monthly Levels And The Most Influences On The Customer's Position On His Decision Is A High Guaranteeing Of The Loan, That He Should Submit His Income, His Guarantor,S Incomes And The House As Guarantees.

Downloads

Published

2018-05-21

How to Cite

1.
أحمد ط, خيربك أ. دور المصرف العقاري في حل مشكلة السكن حسب مقياس رضا العملاء. Tuj-econ [Internet]. 2018May21 [cited 2024Dec.26];39(1). Available from: https://journal.tishreen.edu.sy/index.php/econlaw/article/view/3721

Issue

Vol. 39 No. 1 (2017): العلوم الاقتصادية والقانونية

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

  • The authors retain the copyright and grant the right to publish in the magazine for the first time with the transfer of the commercial right to Tishreen University Journal of Research and Scientific Studies - Economic and Legal Sciences

     Under a CC BY- NC-SA 04 license that allows others to share the work with of the work's authorship and initial publication in this journal. Authors can use a copy of their articles in their scientific activity, and on their scientific websites, provided that the place of publication is indicted in  Tishreen University Journal of Research and Scientific Studies - Economic and Legal Sciences   .  The Readers have the right to send, print and subscribe to the initial version of the article, and the title of Tishreen University Journal of Research and Scientific Studies - Economic and Legal Sciences Publisher

  • journal uses a CC BY-NC-SA license which mean

    You are free to:

    • Adapt — remix, transform, and build upon the material
    •  
    • The licensor cannot revoke these freedoms as long as you follow the license terms.

  • Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.

  • NonCommercial — You may not use the material for commercial purposes.

  • ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.

  • No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.

Most read articles by the same author(s)