Investigating the Effective Factors in Creating and Increasing Bank Debts in Rafah Bank of Hamedan Province

Abstract

The present research examined the factors affecting the increase in pending claims on banks in Hamadan city. The variables include proper validation for repayment of the facility, type of collateral, the interest rate changes on loans and deposits, rules and regulations governing the banking and judicial cooperation . Data collected from the records of outstanding facilities and Statistics (Pearson correlation coefficient and the Kolmogorov-Smirnov normality tests) and were analyzed using SPSS version 21. The results indicated that the effectiveness and relevance of these variables to create requests.