Publication Details
Abstract
This study aimed to analyze the impact of monetary policy tools on lending the banker, through a survey of the opinions of a sample consisting of (40) banking sector employees. The study relied on a questionnaire that included two main axes: the first related to the impact of monetary policy tools (such as interest rates, reserve requirements, and open market operations), and the second focused on the reality of loans granted with in the bank. The results showed that there was a high awareness among sample members of the role of monetary policy in regulating and directing credit activity, with most items recording good arithmetic averages indicates strong agreement on the impact of monetary policy tools on granting loans and setting credit ceilings. The results also revealed effective oversight and administrative practices within the bank regarding loan portfolio management, despite some disparities in customer classification and periodic updating mechanisms. The study reached a set of recommendations, most notably the need to enhance integration between monetary and credit policies and develop risk analysis tools in light of rapid economic changes.