COŞKUN, Ahu Marmara Üniversitesi - Sosyal Bilimler Meslek Yüksekokulu, Turkey

RESEARCH ABOUT THE USING CREDIT RATES BY LEVEL OF THE FINANCIAL PROBLEMS AND THE EFFECT OF CREDITS ON INVESTMENTS

39989

According to the level of financing problem in business credit utilization rates were analysed in this study. In addition, using of the credit impact of the investment decision for future were examined. In this study, 219 firm using credits of the total 418 companies operating in İkitelli organized industrial zone were interviewed with survey. The study results shows that the utilization rates of the credits vary according to the severity of the financing problems. Companies have often financing problems credit utilization rate is 62 percent, companies have financing problems from time to time credit utilization rate is 56 percent, companies have never financing problem credit utilization rate is 36.4 percent. In this study it is determined that using the credits is not great effect of the firms investment decisions for future compared to the companies that do not use the credit.

445

Credits , Financing Problems , Investment Decision

Mustafa Kemal University Journal Of Graduate School Of Social Sciences

449