Bayburt University Lifelong Learning Programme

Description of Individual Course Units

Course Unit Code	Course Unit Title	Type of Course Unit	Year of Study	Semester	Number of ECTS Credits
BS114B2	Basic Credit Information	Compulsory	1	2	3

Level of Course Unit

Short Cycle

Objectives of the Course

To provide detailed information about the credit operations carried out in banks.

Name of Lecturer(s)

Öğr.Gör.İbrahim MUSABAŞOĞLU

Learning Outcomes

1	Recognize basic loan concepts.
2	Learn the process of crediting.
3	They learn loan types.
4	Explain cash and non-cash loans.
5	Have knowledge about collateral letter and regulation

Mode of Delivery

Normal Education

Prerequisites and co-requisities

None

Recommended Optional Programme Components

None

Course Contents

Credit information in general.

Weekly Detailed Course Contents

Week	Theoretical	Practice	Laboratory
1	Definition of the loan, the importance of the loan in the bank, the elements of the loan, the functions of the loan, the credit sources of the banks, the basic concepts related to the credit transactions in the banks (placements, reserves, limits, margins, guarantees, interest,
2	Classification of loans, Non-cash loans, credits by credits, Investment, equipment, business and commercial loans, Industry, Export, Housing, Consumer, Agricultural loans, Open Loan, Collateral loans,
3	(Capacity, Character, Capital, Counterparts, Rules), 3D Rule (Full, Frozen, Indirect), Crediting Process, Loan Disclosure Principles (Safety,
4	Restrictions on credit transactions in the Banking Act No. 5411
5	Borrower Current Account Loan, Discount and Attendance Loans, Bill Advance Advance Loans, Installment Commercial Loan, Spot Loan
6	Letters of Guarantee, Parties, Letters of Guarantee in terms of Limit, Letters of Guarantee in terms of Shapes, Letters of Guarantee in terms of Marks, Arrangement of Letters of Guarantee, Proceedings, Compensation, Time Limit, Reference Letters
7	Securities, suretyship, mutual guarantor, legal guarantor, important matters related to bail, Mortgage, legal consequences of the İpote, principal mortgage, maximum amount of mortgage, ipoteğin fekki, commercial enterprise pledge, receipt of checks and bonds
8	Midterm
9	Foreign currency cash loans
10	Foreign currency cash loans
11	Foreign currency cash loans
12	Foreign currency cash loans
13	Individual Loans, Consumer Loans, Vehicle Loans, Residential Loans, Credit Deposits Account, Laws on the Protection of Consumers No 6502 about the loans used to the consumers
14	Individual Loans, Consumer Loans, Vehicle Loans, Residential Loans, Credit Deposits Account, Laws on the Protection of Consumers No 6502 about the loans used to the consumers
15	Individual Loans, Consumer Loans, Vehicle Loans, Residential Loans, Credit Deposits Account, Laws on the Protection of Consumers No 6502 about the loans used to the consumers

Recommended or Required Reading

Dr. Birgül ŞAKAR, Bank Credits and Management, Beta Basım Yayın, 2011

Planned Learning Activities and Teaching Methods

Assessment Methods and Criteria

Term (or Year) Learning Activities	Quantity	Weight
Midterm Examination	1	100
SUM		100
End Of Term (or Year) Learning Activities	Quantity	Weight
Final Examination	1	100
SUM		100
Term (or Year) Learning Activities		40
End Of Term (or Year) Learning Activities		60
SUM		100

Language of Instruction

Turkish

Work Placement(s)

None

Workload Calculation

Activities	Number	Time (hours)	Total Work Load (hours)
Midterm Examination	1	1	1
Final Examination	1	2	2
Attending Lectures	14	3	42
Problem Solving	14	1	14
Self Study	14	1	14
Individual Study for Mid term Examination	2	5	10
Individual Study for Final Examination	4	2.5	10
TOTAL WORKLOAD (hours)			93

Contribution of Learning Outcomes to Programme Outcomes

	PO 1	PO 2	PO 3	PO 4	PO 5	PO 6	PO 7	PO 8	PO 9
LO1	2	2	1	2	4	4	2	2	1
LO2	2	2	1	2	3	4	2	2	2
LO3	2	2	2	2	4	4	2	2	2
LO4	2	2	2	2	4	4	2	2	3
LO5	2	2	1	2	3	4	2	2	2

* Contribution Level : 1 Very low 2 Low 3 Medium 4 High 5 Very High