There are also due to the macro-economic policy of the Government, the fluctuations in the world's political economy as economic cycles, inflation, unemployment ... these factors directly impact the spheres of the economy, affect the borrower's business situation and directly affects your ability to pay debt loans , especially with regard to the process of globalization of small and medium enterprises will bear the dual impact from macro-economy world. The socio-economic environment in the country is affected by the variable from the world economy, which is what causes the risk incurred in the operations of the economy, thereby affecting the sectors of the economy in which the Bank's branches contain the largest risk (David Cox , 1997).
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