Zaynab Hassan Alnabulsi
This study aims to define one of the major problems that commercial Jordanian banks face, namely the problem of delinquent loans and their causes from the perspective of banks' employees. To achieve the objectives of the study, a questionnaire was designed and distributed to workers in the field of granting facilities in banks operating in Jordan. The sample of the study constitutes of 110 respondents. The study found that there are many factors affecting for delinquent loans, some of which are related to low quality credit decision-making, others are related to guarantees and other restrictions provided by legislation, and the nature of the funded project. The study recommends taking adequate guarantees, and linking all concerned entities for the exchange data about customers.