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7. List of References

7.1 First, Arabic References:

1. Ahbak, Sumaya. (2013). "Credit Granting Mechanisms in Commercial Banks: A Sample Study of Commercial Banks Operating in the Wilaya of Tamanrasset" (Master's Thesis, University of Kasdi Merbah).

2. Al-Bahisi, Issam Muhammad. (2016). The Extent to Which Credit Decision-Makers Rely on Financial Analysis: A Field Study of the Factors Affecting the Palestinian Banking Sector. Journal of the Islamic University, Humanities Series, Volume 5, Issue (2).

3. Badrain, Luay Jamal. (2019). Factors Determining Bank Credit Decisions in Palestinian Commercial Banks. International Journal for the Publication of Scientific Studies, Volume 1, Issue (6).

4. Al-Jamal, Zakaria. (2022). Factors Affecting Credit Granting Decisions in Commercial Banks in Jenin Governorate. American University Journal of Research, Volume 7, Issue (6). (2)

5. Haddidou, Maryam. (2018). "Management of Non-Performing Loans in Algerian Banks," (Master's Thesis, University of Abdelhamid Ben Badis, Mostaganem).

6. Al-Dabbas, Hassan. (2014). "Factors Affecting the Credit Decision-Making Process in Banks Operating in Syria: A Case Study of Private Banks in Syria," (Master's Thesis, University of Damascus). Al-Ataba Al-Abbasiya Digital Library.

7. Damnhouri, Amal, and Al-Rashed, Taghreed. (2018). The Impact of Applying the Balanced Scorecard on Performance Improvement: An Applied Study on Commercial Banks in Jeddah. Arab Journal of Management, Arab Organization for Administrative Development, League of Arab States, Volume 38, Issue [Number missing in original text]. (1)

8. Al-Shammari, Khalid Tawfiq. (2014). "Financial and Economic Analysis." Dar Wael for Publishing and Distribution, Amman, Jordan.

9. Al-Shaykhli, Hadeel Amin Ibrahim. (2012). "The Main Determinants of Bank Credit Decisions in Jordanian Commercial Banks" (Master's Thesis, Middle East University).

10. Abdul-Hadi, Ahmed. (2016). "The Role of Customer Creditworthiness Criteria in the Credit Decision-Making Process: A Comparative Study Between Public and Private Commercial Banks in Syria" (Master's Thesis in Banking Sciences, Tishreen University).

11. Al-Qari, Abdul-Rahman and Abadi, Muhammad. (2018). Factors Affecting Bank Credit Granted by Algerian Commercial Banks: An Econometric Study for the Period (1989-2009). Journal of Law and Humanities, Economic Issue, Volume 1, Issue (35).

12. Al-Qazwini, Shaker. (2015). Lectures in Banking Economics. University Publications Office. https://opu.dz/ar/livre/economie.

13. Qandilft, Hiba. (2018). "Determinants of Customer Credit Granting Decisions: A Field Study in Private Commercial Banks in Syria." (Master's Thesis, University of Hama).

14. Matar, Muhammad. (2018). "Modern Trends in Financial Credit Analysis: Methods, Tools, and General Applications." Dar Wael for Publishing and Distribution, Amman, Jordan.

7.2 Second: Foreign References:

1. Abu Bakar, J., Sheng, L., & Abdul Adzis, A. (2018). Determinants of bank lending: evidence from commercial banks in Malaysia. Journal of Banking and Finance Management, 1, (3), 36-48.

2. Al-Anagre, A., Al-Tayeb, S. & Al-Mahrouq, M. (2005). Non-traditional elements influencing Jordanian commercial banks' decisions to lend to small and medium-sized businesses (SMEs). Mu’tah Lil-Buhuth Wad-Dirasat, 20, 9-44.

3. Boushnak, E., Rageb, M., Rageb, A., & Sakr, A. (2018). Factors influencing credit decision for lending SMEs: A case study on National Bank of Egypt. Open Access Library Journal, 5, 1-17.

4. Chedia, H., & Moussa, M. (2018). Determinants of Bank lending: case of Tunisia. International Journal of Finance and Accounting, 5, 1, 27-36.

5. Fatoki, O. (2019). Factors influencing the financing of business start-ups by Com-mercial Banks in South Africa. Mediterranean journal of social sciences, 5, 20, 94-100.

6. Vu, V. H., & Ho, H. (2022). Analysis of factors impacting credit access for informal Vietnamese workers during the COVID-19 pandemic. Economies,10, 8, 2-11.

7.IFC. (2013). Closing the Credit Gap for Formal and Informal Micro, Small, and Medium Enterprises http://www.ifc.org/wps/wcm/connect/4d6e6400416896c09494b79e78015671/Closing+the+Credit+Gap+Report-FinalLatest.pdf?MOD=AJPERES

8. Liman, N., Mohd, K., & Darwina, A. (2017). A study on the types of microfinance institutions in Nigeria. MAYFEB Journal of Business and Management, 2, 7-16. ISSN 2371-7742.

9. World Bank. (2015). Small and Medium Enterprises (SMEs) Finance, Improving SMEs’ ​​Access to Finance and Finding Innovative Solutions to Unlock Sources of Capital. http://www.worldbank.org/en/topic/smefinance.