MEASURING THE PERFORMANCE OF IRAQI AGRICULTURAL COOPERATIVE BANK THROUGH PAY-BACK EFFICIENCY OF AGRICULTURAL LOANS FOR THE PERIOD 2003-2008

H.Faraj, Karrar.

	MEASURING THE PERFORMANCE OF IRAQI AGRICULTURAL COOPERATIVE BANK THROUGH PAY-BACK EFFICIENCY OF AGRICULTURAL LOANS FOR THE PERIOD 2003-2008
The Iraqi Journal of Agricultural Science
Article 1, Volume 41, Issue 6, 2010, Pages 86-100
Author
Karrar. H.Faraj
Abstract
The objective of this research is to measure the performance of Iraqi agricultural bank through the payback efficiency of loans by using some indicators which give whenever applied a clear evidence on the bank performance during the period (2003-2008).These indicators are pay-back ratio , delayed loans repayment ratio , time classification of delayed loans , ratio of delayed amount for gross loans , ratio of repayment with respect to delayed loans and repayment index.Data for given loans , pay-back loans and delayed loans were used, The most important results of the research was the low level of pay-back efficiency criterion which refer to the deterioration of the bank performance during the study period .The results showed that the highest value of pay-back ratio indicator was 19.21% for the year 2007, while the pay-back ratio of delayed loans for the year 2008 was 3.49% which is the heighest ratio. The results also showed that the delayed loans time classification indicator was 53.63% for the year 2008 which is the highest ratio. The ratio of delayed loans to gross loans was 1.54% for the year 2008. The pay-back ratio was superior in comparison with delayed loans ratio , as the highest ratio for pay-back was 19.21% against 3.49% as a highest ratio for delayed loans , the highest ratio for repayment index was 0.19% for the year 2007.The study forwarded some recommendations which may enhance the performance of agricultural bank in Iraq.

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