ghomreza askarzadh darh; Zohre Memarpour; Hamed Fallahi
Abstract
Economic growth and development can offer a broad perspective of a country's economy. Developing countries, such as Iran, can attain financial development and economic growth through foresight, planning, and identifying the factors affecting monetary policies. The relationship between inflation and economic ...
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Economic growth and development can offer a broad perspective of a country's economy. Developing countries, such as Iran, can attain financial development and economic growth through foresight, planning, and identifying the factors affecting monetary policies. The relationship between inflation and economic growth matters for formulating and directing monetary policies. Various financial instruments are employed to secure economic growth worldwide. By contrast, many of these instruments are not used in Iran, as they are usurious (Rabavi). Instead, Islamic financial instruments are utilized as suitable tools for banking and economic transactions in Iran. The present study examines the relationship between Islamic financial instruments (Sukuk) and economic growth in Iran. It draws on the ARDL approach. It evaluates seasonal data from early 2010 to the last season of 2018. The results of the model's estimation indicate that Sokuk has significantly and positively affected Iran's economic growth during the period under investigation.
zeynab mollaei; mahdi mankavi
Abstract
Small and medium-sized enterprises (SMEs) have a significant impact on the economic development of any country, but they face obstacles in accessing the financial resources needed to carry out their activities. Similarly, financial institutions such as banks have various challenges in accrediting these ...
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Small and medium-sized enterprises (SMEs) have a significant impact on the economic development of any country, but they face obstacles in accessing the financial resources needed to carry out their activities. Similarly, financial institutions such as banks have various challenges in accrediting these types of businesses to allocate credit. Banks and financial institutions use different credit scoring models to identify the borrower's facility and determine the required collateral value. But because SMEs are considered unorganized in terms of financial data management compared to large corporations, credit risk assessment based solely on financial data leaves banks and financial institutions with multiple concerns about how to repay the facility by acquiring And faces small and medium jobs. In this regard, in this study, after reviewing the literature and credit history of small and medium businesses, different components of credit validation of these businesses in the form of four main components and 26 dimensions were identified and prioritized by 15 credit experts of different banks and then data The obtained data were analyzed using AHP technique. Shows that according to the credit experts of banks, for accreditation of small and medium businesses, among the components, financial components and management are the first and second priority, as well as among the dimensions; financial stability, profitability, technology status, and government policies are the first to fourth priorities, respectively.
mohammad norozi; Mahdiyeh Esfandiarpoor; Rahim Shasavar poor
Abstract
The role of banks in the economy of any country is determined by the economic structure of that system. Since the type of economy in Iran is a money-oriented and so-called bank-oriented market, the importance of banks in the economy of Iran is very different. To achieve the corporate mission on the one ...
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The role of banks in the economy of any country is determined by the economic structure of that system. Since the type of economy in Iran is a money-oriented and so-called bank-oriented market, the importance of banks in the economy of Iran is very different. To achieve the corporate mission on the one hand and social responsibility, on the other hand, banks must fulfill this role by changing the composition of their assets. Today, one of the main problems of banks is the amount of their non-current receivables. The ratio of non-current receivables to lending facilities in the banking system is a criterion that is used to measure the health of the bank. Non-current receivables of banks can be the source of many financial and monetary crises in the world and can have many adverse effects on banks, various economic sectors, and on a larger scale, on the people of any country. Undoubtedly, in recent years, the issue of non-current receivables has become an acute issue for the banking system, and the emergence of this crisis in the financial system can lead to the outflow of depositors' savings from banks and, consequently, their bankruptcy. Therefore, those involved in the banking system are seeking to solve this problem. In this regard, the first step to solving such a problem is to identify the factors affecting the increase of non-current receivables and rank these factors. Therefore, the purpose of this study is to identify and rank the factors affecting the increase in non-current receivables of public, private and Banks subject to principle 44 in Iran empirically.
nader hashemzadeh aghdam
Abstract
Different research has been performed on the organizational information security criteria, however, in the present study, applying information security policies for immunization of data systems users' behavior in terms of directorial support has been tried. Considering this fact, the present research ...
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Different research has been performed on the organizational information security criteria, however, in the present study, applying information security policies for immunization of data systems users' behavior in terms of directorial support has been tried. Considering this fact, the present research has been designed and performed to investigate the indirect effects of directorial support through the intermediary role of the understood trust and self-efficacy on users' adjustment behavior by applying information security policies in a random sample consisting of 256 East Azerbaijan banks personnel in 1398. Modeling results of structural equations showed that considering the research participants' response, comprehended trust and self-efficacy in the intermediary role, apply for directorial support on users' adjustment behavior. Using a multi-dimensional approach, the research model based on planned behavior theory has examined interactions between the director and users and has played a major role in users' behavior adjustment. Besides, this study highlights the directorial support effect (teaching, behavior, and director practice) in the direction of adjusting users' behavior, and has discussed the role of applying data security policies.
Mir Milad Atshani; Mehdi Madan Chi Zaj; Ali Sheidaei Narmighi
Abstract
Banks are one of the most important institutions and an essential element of the financial system of any economy as they play a decisive role in economic development and growth. The role of banks as intermediaries in attracting deposits and redistributing them in the form of investment and granting facilities, ...
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Banks are one of the most important institutions and an essential element of the financial system of any economy as they play a decisive role in economic development and growth. The role of banks as intermediaries in attracting deposits and redistributing them in the form of investment and granting facilities, if done efficiently, will be able to provide the necessary basis for achieving economic growth and development. Therefore, there is always the question about the performance of banks, to what extent and degree of efficiency do banks operate in an economy, and what are the factors influencing them? On the other hand, due to the global financial crisis of 2007-2008, caused by banks' excessive risk-taking, risk-taking is recognized as an influential factor in the banking production process, which should be properly considered in performance measurement models. Therefore, in this study, a random boundary model with random inefficiency coefficients has been used, which can identify the effects of environmental factors such as inflation rate and exchange rate fluctuations on inefficiency. It also shows the role of risk-taking in designing inefficiencies and the various effects of risk on efficiency. To estimate the model, the data of 16 banks from the years 2006 to 2018 have been used according to the available data. Based on the results; Increasing inflation and exchange rate and credit risk have a negative effect and increasing capital risk and market risk have a positive effect on the efficiency of banks.
derakhshan haidary; kumars sohaili; ali falahati
Abstract
Uncertainty of economic policies, including inflation uncertainty, has wide-ranging effects on macroeconomic performance. Uncertainty challenges economic planning and increases investment risks. In such a situation, strategies to prevent tax evasion may become ineffective. In this situation, companies ...
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Uncertainty of economic policies, including inflation uncertainty, has wide-ranging effects on macroeconomic performance. Uncertainty challenges economic planning and increases investment risks. In such a situation, strategies to prevent tax evasion may become ineffective. In this situation, companies mainly adopt defensive behaviors to pay less tax. Therefore, companies reduce risk-taking initiatives to avoid taxes. Considering the topic, this study aimed to investigate the effect of the tax collection rate on the relationship between the uncertainty of economic policies and the tax burden of companies from 2010 to 2018 in selected companies on the Tehran Stock Exchange with the approach of quantile regression and fixed effects. The results of this study showed that the amount of tax collection reduces the relationship between inflation uncertainty and the tax burden of companies.
