UNITY UNIVERSITY

Department of Accounting
Questionnaires: Prepared to collect data from Credit Department of Enat Bank S.C
This questionnaire prepared by Graduate degree student in order to collect data for the research entitled "Credit
Management policy and practice” a case study on Enat Bank S.c All information you give is valuable for the academic
purpose and kept confidential. The validity as of your response will highly contributes for the success of this research
paper.

PART I: GENERAL INFORMATION

1) Educational Background
I________ I Diploma
I ________I 1st degree
I________ I above 1st Degree
I__ I Other. Please specify______

2) Your Status
I_____ I Top Management
I_____ I Senior Management
I_____ I Middle Management
I_____I Line Management
I_____ I Other Clerical
I_____ I Non Clerical
3) How long have you been working in Enat Bank?
I____ I Below five years
I____ I 5-10 years
I____ I above 10 years

PART II: Questions on Credit Management & Practice

4) How long will it take to process a given loan application?
I____ I below 7 days I____ I 22 - 28/30 days
I____ I 8 - 14 days I_____ I Above one month
I____I 15 - 21 days
5) Are there loans, which are granted without taking collaterals?
I__ I Yes I__ I No
6) If your answer to Q. 5 is Yes, would you explain it?
7) Do you believe the procedure followed for loan approval by the bank is satisfactory?
I___ I Yes I___ I No
8) If your answer to Q. 7 is No, what are the possible reasons?
9) Are there problems associated with implementing policy manual of the bank as desired?
I___ I Yes I___ I No
10) Could you describe factors and reasons for the answer of Q. 9?

11) Does the bank asses borrowers past financial history, credit worthiness and perform detailed financial analysis
before extending the loans?
I___ I Yes definitely I___I Not at all
I___ I Yes to some extent I___I I am not quite aware of it

12) From the total loans and advances granted to the customers in which sector does the bank usually focus? (Please
would you rank them)

Agricultural Sector Transportation

Manufacturing
Export
Import
Domestic Trade& services
Building &Construction
Others________