Journal of value creating in Business Management

Identifying customer credit risk factors in public and private banks

Document Type : Original Article (Qualitative)

Authors

sajad sedigh 1
reza tehrani 2
abas rad 3

1 Department of Industrial Management, North Tehran Branch, Islamic Azad University, Tehran, Iran

2 Department of Financial Management, Faculty of Management, University of Tehran, Tehran, Iran

3 Department of Industrial Management and Information Technology, Faculty of Management and Accounting, Shahid Beheshti University, Tehran, Iran

https://doi.org/10.22034/jvcbm.2025.544989.1624
Abstract
The aim of this study is to identify the credit risk factors of customers in public and private banks. The research method is applied in terms of purpose and mixed implementation method (qualitative-quantitative). The statistical population includes 5 experts in the field of banking and was selected through purposive and accessible sampling. The data collection tool is a semi-structured interview and a matrix questionnaire for ranking and evaluating indicators. Using structural analysis and systematic modeling methods, data related to the credit risk of bank customers were collected and analyzed. First, the dimensions and indicators affecting credit risk were identified and then pairwise comparisons were performed using the Delphi method and expert opinions. In the next stage, the effectiveness and impact of the variables were determined using the MICMAC method and the variables were categorized into one of four groups based on influence and dependence: autonomous, dependent, linked, and key. The results showed that variables such as employment and stable income, adequate housing, and fair distribution of infrastructure facilities and services were identified as key and effective variables in reducing credit risk. Also, variables such as external conditions and type of activity were included in the group of dependent and autonomous variables. This research can help bank managers and policymakers in improving credit risk assessment methods and making appropriate decisions.

Keywords

Risk
credit risk
volume of activity
working capital
capital changes

Subjects

  • Receive Date 03 August 2025
  • Revise Date 11 September 2025
  • Accept Date 15 October 2025

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