Moroj zreek * ⁽¹⁾, Aymana AlAcouch⁽¹⁾  and Mohammad Mahmoud⁽¹⁾

(1). Department of Statistics and Programming, Faculty of Economics, Tishreen University, Lattakia, Syria.

(*corresponding author Moroj Zreek. Email: jojzreek@gmail.com)

Received:5/01/2023            Accepted: 26/02/2023

Abstract: 

The study aimed to identify the impact of the Agricultural Cooperative Bank loans which are short, medium, and long on each of the ratio of property rights to deposits, as well as the adequacy ratio Capital ، indicators by studying the period extending from 2000-2020، by applying Autoregressive Distributed Lag Model(ARDL) after studying the and the stability of time series and cointegration were studied using the Eviews program. The study found results that there is an increase in long-term loans will increase the capital adequacy ratio significantly in the long and short term by 0.45 and 0.19% ،respectively،and an increase in short-term loans will increase the the capital adequacy ratio significantly by 0.0024% in the long term، as for the equity ratio of total deposits،the increase in medium-term loans will increase the equity ratio of total deposits by 0.15% in the short term. Accordingly, the proposed model can be used to indicate the importance of loans, and we note that long-term loans are the most important through their impact on capital adequacy, which requires policymakers to infer using the model

Keywords: loans, capital adequacy ratio, equity ratio, total deposits, Agricultural Cooperative Bank

Full paper in Arabic: pdf