Identify factors affecting on improved collection of receivables rudsar Agricultural Bank in Gilan Province

roya mahdavi roshan¹ reza mazhari² mohsen mohammadi khiare³

1) Post- graduate Student Entrepreneural Management, State University of Gonbad-e Qabus،
2) Assistant Professor of Economics, University of Gonbad-e
3) Assistant Professor of Economics, University of Gonbad-e

IOI Code : XYCG-AEAZG
Publication : international conference of Management Elites(icme.ir)
Abstract :
    The main causes of on-time reception of paid credit from Keshavarzi bank Roodsar branch in Gilan province. For this purpose, the Keshavarzi bank demands for a four- level reception of receivables, past due, unpaid and delayed and doubtful debt classification and study of information to access the records of borrowers and multiple logit models and an econometric approach was used. Loan amount, interest rate granted, delay penalties and loan installments, were variables to an important loss in the suggested econometric model. Results show that the variable commission rate and loan amount with the positive and negative effects on the delay penalty were significant, improving the reception of doubtful depts. In delayed loans, variables on amount of paid loan had a negative effect on the loan payment in this group, though not significantly. In delayed loans, rate loan variable with a negative effect on the loan installments and the delay penalty with a positive effect on improving the collecting the depts. Ultimately, in the on time paid loans just the delay penalty variety was significant and had a positive effect on improving the collecting the depts.

Keywords : multiple logit model the keshavarzi bank of roudsar branch collection of receivables