THE LEGAL REGULATION OF CORPORATE GOVERNANCE IN CREDIT INFORMATION COMPANIES TO PROMOTE FINANCING OPPORTUNITIES

Objectives: The dissertation examines the effectiveness of corporate governance laws for credit information companies in the UAE, Bahrain, and Jordan, particularly in relation to their role in facilitating business financing. It aims to identify gaps and issues in these laws that may impact the efficiency of credit information centers and their influence on access to funding. Methods: The study analyzes regulatory frameworks and their implementation across the three regions. It assesses stakeholder perspectives on governance laws and financing accessibility while comparing compliance levels and regulatory effectiveness. Results: The findings reveal significant differences in regulatory compliance and stakeholder perceptions among the three countries. The study suggests a strong link between improved corporate governance and better access to funding. It also highlights that robust regulatory frameworks enhance trust and transparency in credit information markets, which are crucial for financial sector development. Conclusion: The research indicates that strengthening governance systems can improve financing opportunities, which is essential for economic growth and stability. This is particularly relevant in sectors like healthcare, where access to funding is vital for innovation and service delivery. The study provides insights for policymakers and stakeholders to enhance the effectiveness and reliability of financial systems in the region.