THE MAIN FACTORS AFFECTING THE ALLOCATION OF RETAIL LOANS

Retail lending, the backbone of modern banking, plays a critical role in economic growth and financial inclusion. This article takes a comprehensive look at the key factors affecting the distribution of retail loans. Drawing on existing literature, empirical studies, and theoretical frameworks, we examine the multifaceted determinants that shape lending decisions by financial institutions. By illuminating these factors, this review contributes to a deeper understanding of the dynamics of retail credit distribution and provides insights for policymakers, regulators and practitioners seeking to improve access to credit and reduce risks in retail lending markets.