Document Details

Document Type : Thesis 
Document Title :
Loan funding of Residence Owning and its relation to financial income management of Saudi families
التمويل بالاقتراض لامتلاك المسكن وعلاقته بإدارة الدخل المالي للأسرة السعودية
 
Document Language : Arabic 
Abstract : The study discusses the difficulties, which families faced by in owning a residence. Simply, because it takes a great deal sum from their income referring to the cost of land, building and funding. The researcher concentrates on reducing the cost of funding. Therefore, she did this study so as to know the relation between loan funding of residence owning and the financial income management of Saudi families. Beside that, to know the levels of families loan funding management and income financing management. She also shows the relation between loan funding of residence owning and the social, economic change levels. The study has followed the descriptive analyzing approach after taking data through inquiry forms to 304 sample of Saudi families in Jeddah who have loans (installment) given by commercial banks to build or buy a residence. The researcher prepared the following aids to fulfill the study objectives: - family general data forms, housing, loan funding of residence owning management report. Financial income. Financial income management report. to attain that supposition is correct, statistic analysis were done. The results indicated a connected consecutive relation between the level of family management to the process of loan funding of residence owning and the level of financial income management. The sample member practiced the process of loan mildly. A number of sample members seek banks just to own a dependent residence. Another reason was the easy and tempted offers of the banks, which led to the high cost of funding and its installment great impact on family income. The researcher advised Saudi families to take funding loan from banks for desperate needs only and to concentrate on potential alternatives by applying the right management of funding process. She also advices them to use the potential resources without any extravagances and organize consumption revenues, leaving social custom of the residence appearance, and reducing funding costs. The positive way of thinking in joining another work in order to improve the family income. Then, there will be no need for loans . 
Supervisor : Dr. Sakina Muhammad Basabrain 
Thesis Type : Doctorate Thesis 
Publishing Year : 1431 AH
2010 AD 
Added Date : Monday, June 27, 2011 

Researchers

Researcher Name (Arabic)Researcher Name (English)Researcher TypeDr GradeEmail
رفعه تركي إسماعيلIsmail, Refah TurkiResearcherDoctorate 

Files

File NameTypeDescription
 29874.doc docتكمن مشكلة الدراسة في أن هناك صعوبات تواجه الأسرة في تملك المسكن ؛ لأنه يستهلك جزءًا كبيرًا من دخلها بسبب تكلفة الأرض والبناء والتمويل ، وتركز الباحثة على تقليص تكلفة التمويل ؛ لذا قامت بهذه الدراسة بهدف التعرف على علاقة التمويل بالاقتراض لامتلاك مسكن بإدارة الدخل المالي للأسرة السعودية بالإضافة إلى التعرف على مستوى إدارة الأسرة لعملية التمويل ومستوى إدارتها لدخلها المالي

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