Money Banking
gholamreza sabouri; Azam Babaki rad; Seyed Vahid Shalbaf Yazdi
Abstract
In today's era, the wheels of Iran's economy revolve around banks, and this clearly shows the key role of banks in providing financial resources for economic enterprises. The current research was conducted with the aim of designing a policy model for the transparency of resource allocation in the banking ...
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In today's era, the wheels of Iran's economy revolve around banks, and this clearly shows the key role of banks in providing financial resources for economic enterprises. The current research was conducted with the aim of designing a policy model for the transparency of resource allocation in the banking system of Iran. The inductive research approach is based on data theory. The statistical population was experts and policy makers of the banking system and management professors, who were selected as the sample size using the saturation principle and the snowball sampling method. Semi-structured in-depth interviews were used to collect data. Reliability was confirmed using the agreement coefficient of two coders and the Kappa coefficient, whose value was 0.742. Max Kyoda software was used for data analysis. The results included 173 open codes in 15 components and 6 categories. 3 components and 55 open codes for causal factors, 2 components and 29 open codes for the central category, 4 components and 39 open codes for the strategy category, 2 components and 19 open codes for the consequences category, 2 components and 10 open codes for the context category, and 2 components and 21 open codes for the intervention category. It was Gerha. Based on the results, it is very important to design metrics and indicators related to resource allocation transparency in the banking system of Iran.
Money Banking
Nasrin Hashemizadeh; Mohammad Javad mohagheghnia
Abstract
Today’s behavior regarding risk control and using appropriate management tools can strengthen banks' performance in face of financial challenges. The aim of present study is to prioritize behavioral biases of managers on liquidity control of banks in Iran. In order to achieve this goal, a questionnaire ...
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Today’s behavior regarding risk control and using appropriate management tools can strengthen banks' performance in face of financial challenges. The aim of present study is to prioritize behavioral biases of managers on liquidity control of banks in Iran. In order to achieve this goal, a questionnaire was designed using AHP approach and completed by 50 bank managers. In designed questionnaire, three liquidity control criteria in Iranian banks, influential behavioral biases, and control variables for behavioral biases were compared in pairs. Then, using AHP approach, decisions made by bank managers were prioritized. The main results of study showed that among liquidity control criteria, the advertising and deposit attraction sub-criterion is affected with a higher priority than behavioral biases. Also, among the behavioral biases affecting the liquidity control criterion, the mental accounting sub-criterion had a higher priority in affecting liquidity control criterion than others. Among criteria for controlling behavioral biases, sub-criteria of managerial experience and manager gender had a higher priority on behavioral biases, which indicates that bank managers tend to classify and code liquidity in different categories in liquidity control through advertising and deposit attraction. In general, the results show role of different financial manager experience and gender of managers more clearly. Therefore, bank planners and heads can benefit from the results of the study in better control of bank liquidity.
Money Banking
Habib Ansari Samani; Hasan Amoozad Khalili; Morteza Abbasizadeh; Hadis Dalvandi
Abstract
1- IntroductionWith the rapid growth of information and communication technology, electronic banking will play a central and important role in various fields. In this framework, determining the impact of the expansion of electronic banking on banks' costs can be very important. The use of electronic ...
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1- IntroductionWith the rapid growth of information and communication technology, electronic banking will play a central and important role in various fields. In this framework, determining the impact of the expansion of electronic banking on banks' costs can be very important. The use of electronic banking tools has positive and negative effects on the productivity of bank branches and causes the final effect of each of these tools to be different. This research examines the role of electronic banking on productivity in 16 bank branches in Yazd province in the period of 1396-1400. 2- Theoretical frameworkElectronic banking is the optimal integration of all activities of a bank. In other words, by using new information technology based on banking processes and in accordance with the organizational structure, it provides the possibility of providing needed services to customers. This type of banking provides facilities for customers to access banking services without the need for physical presence and using safe intermediaries. Also, it is the use of technology that allows bank customers and other stakeholders to interact with the bank without intermediaries and through various electronic channels.3- MethodologyThis research examines the effect of using electronic banking tools on the productivity indicators of the bank in Yazd province. Therefore, the research data has been obtained using the data provided by the bank's planning and development department, financial department, support department and human capital department; The data is extracted monthly, quarterly and annually. The statistical population of the research includes all branches (16 branches) of the bank in question during the years 1396-1400 in Yazd province. 3-1- Dependent variableThe branch productivity index consists of the combination of four main criteria. The main criteria include equipment, allocation, arrears and performance. Each of these four criteria is calculated by 2 to 5 indexers.3-2- Explanatory variablesExplanatory variables are: electronic banking tools (modern documents and cards), human capital (number of employees, educational qualifications and service history), building (age of branches), deposit interest rate. In the general division of bank documents, they are: small, modern and card documents. Modern documents and cards are known as electronic banking tools.3-3- Research modelThe research model is as follows:(1) Pr = f (Hc, Eq, Eb, Er, Ek)where Pr is the productivity index, Hc is the vector of human capital variables, Eq is the vector of building and equipment quality and quantity variables, Eb is the vector of electronic tools use indicators, Er is the interest rate vector, and Ek is the vector of small documents. 4- DiscussionThe results of Model 1 show that the amount of modern documents has a significant relationship with productivity and has a very small but negative effect on the equipment index. Also, card documents and small documents do not have a significant relationship with the equipment index. The number of manpower, service history and education level of employees have no significant relationship with the equipment index. The age of the building has a positive and significant relationship with the equipment index. The deposit rate also has a negative and significant relationship with the equipment index. In model 2, there is no significant relationship between the number of modern documents and the card with the allocation index. Also, the number of micro documents has a positive and significant relationship with the deposit allocation index. In addition, there is no significant relationship between high education degree and employees' service history with allocation index. In model 3, there is a positive and significant effect between the amount of modern documents and the arrears index. But the amount of card documents has no significant relationship with the arrears index. Also, micro documents do not have a significant effect on the arrears index. In addition, the high level of education and the number of employees have a negative effect on the arrears index. But the service history does not affect the arrears index. In model 4, modern documents have a significant and negative relationship on the performance index. On the other hand, micro documents have a significant and positive relationship on this index. There is a positive and significant relationship between the average level of education and performance index. The deposit interest rate also has a negative effect on the performance index, and the age of the building does not affect the performance index. In the 5th model of the research, the general and summarized mode is 4 productivity indicators under the index of the total score, and the title of productivity is determined from the total score. According to the targeting of the studied bank in the indicators affecting productivity, finally, the number of documents has been used as a factor affecting productivity. The number of modern documents and cards do not have a significant relationship with the productivity index. Therefore, the null hypothesis is not rejected and it cannot be said that electronic banking documents have been able to influence the productivity of the bank. Among the variables of education degree, service history, building age and deposit rate, only service history has a significant relationship with the productivity index, and it cannot be said that these variables play a significant role in the bank's productivity.5- Conclusion and SuggestionsAccording to the findings of the research, it is not possible to say that electronic banking has a significant relationship with the bank's productivity, and this shows that electronic banking has not been able to reduce banking costs and create profitability as it should have been. Therefore, the main hypothesis of the research regarding the impact of electronic banking on productivity indicators can be rejected. Therefore, according to the research results, the most important suggestion is: Increasing the quality of providing electronic banking services by updating equipment and software.
