تأثير القروض الاستهلاكية على مستوى معيشة موظفي القطاع العام في الضفة الغربية باستخدام نموذج
جهاد نافز محمد الشيخ الشيخ يوسف
Jehad Nafiz Mohammad Alshaikh Alshaikh Yousef
This study aimed to introduce the impact of consumer loans on the standard of living of public sector employees in the West Bank using ELSI Short Form, The researcher has used the descriptive method in order to achieve the objectives and in light of the nature of the study and data to be obtained, as this method fits the current study in terms of providing detailed data on the different variables. While the study population consisted of all workers in West Bank public sector, the researcher selected intended sample out of Bank of Jordan in Ramallah city considering it as the economic capital of Palestine and a major center including employees from all over the west bank, The sample was consisted of (100) public sector employee, (50) borrowers and (50) non-borrowers, selecting them randomly. After analyzing the results of the survey and the study, the results revealed that the standard of living for employees who do not have loans are relatively better than those who have actually received a loan, in addition, the results showed that there is statistically significant effect at a moral level (0.05≥α) between the net income of the borrowers and non-borrowers of the public sector employees in West Bank, which means any increase of one unit on the net income will lead to improvement of Borrowers and non-borrowers standard of living. In addition, the results showed differences related to place of resident (City or Camp), where the value of differences were Statistically significant in favor of the first category (City), while there was no relation/differences with the other study variables. The study concluded with a number of proposed solutions and recommendations, starting by prioritizing granting consumer loans based on the client needs through designing programs that take into consideration the functional, geographical and demographic diversity, in addition to spreading and raising awareness of banking facilities, policies and terms, finally, by putting an effective regulatory system established by Authority of Monetary on the consumer loans at all levels, to ensure and monitor its continuing effects on the economy and its implications on the standard of living.