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دانلود محصول:عوامل موثر بر عملکرد بانکها- با رويکرد فرهنگي مذهبي

تعداد 120 صفحه فایل word

چکيده

بانک ها از ارکان اصلي اقتصاد در هر کشور محسوب مي شوند. بانکها نقش مهمي در رشد و توسعه اقتصادي دارند. پيروان دين اسلام بر اين باور هستند که دين اسلام، يک دين جامع و کامل است که تمام جوانب زندگي بشر را دربر

مي گيرد. مفهوم مذهب و اثرات آن بر رفتار و شيوه زندگي افراد در بسياري از پژوهش ها مورد بررسي قرار گرفته است و مشخص شده است که مهمترين عامل موثر در رفتار افراد، مذهب، دين و ايدئولوژي مي باشد. هدف پژوهش حاضر بررسي عوامل موثر بر عملکرد شعب بانک سينا با رويکرد فرهنگي مذهبي مي باشد. روش پژوهش از نوع همبستگي مي باشد. براي آزمون فرضيه هاي پژوهش از رگرسيون خطي چندگانه استفاده شده است. نتيجه پژوهش به شرح زيرمي باشد.در شعب سني نرخ سود سپرده عاملي موثرتر در جذب سپرده نسبت به شعب شيعه مي باشند. ميزان دارايي هاي شعب در شعب شيعه عاملي موثر در جذب سپرده مي باشد لکن در شعب سني فاقد تاثير مي باشد. در شعب شيعه نرخ سود تسهيلات عاملي موثر تر نسبت به شعب سني مي باشد.در شعب سني با کاهش نرخ سود تسهيلات نرخ بازيافت وام افزايش مي يابد و دريافت کنندگان تسهيلات نسبت به باز پرداخت تسهيلات اقدام مي کنند لکن در شعب شيعه رابطه فوق بطور معکوس مشاهده مي شود. در شعب شيعه توان وام دهي شعب بر نرخ بازيافت وام تاثيري ندارد لکن در شعب سني اين عامل تاثر گذار مي باشد.

 

واژگان کليدي: اعطاي تسهيلات، بانک سينا، تفاوتهاي فرهنگي و مذهبي، سپرده، وصول مطالبات

 

فهرست مطالب

عنوان                                                                                                                                                                                 صحفه

فصل اول: کليات پژوهش…. 1

1-1- مقدمه.. 2

1-2- بيان مساله.. 2

1-3- ضرورت پژوهش.. 3

1-4- اهداف پژوهش.. 4

1-5- پرسش هاي  پژوهش.. 4

1-6- فرضيه هاي پژوهش.. 5

1-7- روش پژوهش و جمع آوري اطلاعات.. 5

1-8- قلمرو پژوهش.. 6

1-9- استفاده کنندگان پژوهش.. 6

1-10- واژگان کليدي.. 6

1-11 خلاصه فصل.. 7

فصل دوم: بررسي مباني نظري و پيشينه پژوهش…. 8

2-1- مقدمه.. 9

2-2- سير تکاملي بانکداري.. 9

2-2- 1- سير تکاملي بانکداري در جهان.. 9

2-2-2- سير تکامل بانکداري در ايران.. 11

2-3- تاريخچه بانک سينا.. 16

2-4- عملکرد بانکها.. 17

2-4-1- بانکداري اسلامي.. 19

2-4-1-2- تجهيز منابع در بانکداري اسلامي.. 20

2-4-1-2-1- اهميت تجهيز منابع در بانکداري اسلامي.. 21

2-4-1-3- مصرف منابع در بانکداري اسلامي.. 23

2-4-1-3- 1- اهميت مصرف منابع در بانکداري اسلامي.. 26

2-4-1-3- 3- عوامل موثر بر نرخ سود تسهيلات.. 29

عوامل برون سازماني.. 29

عوامل درون سازماني.. 30

2-5-تعاريف و مسائل پيرامون دين و مذهب.. 30

2-5-2- سير تکامل و پيدايش دين از نظر دانشمندان اسلامي.. 32

2-5-3- دسته بندي اديان.. 33

2-5-4- تعريف مذهب.. 33

2-5-4- اديان و مذاهب در قانون اساسي ايران.. 34

2-5-5- تعريف اقليت.. 34

2-5-7- تاثير دين و مذهب در رفتار اجتماعي افراد.. 35

2-5-7- تاثير دين و مذهب در رفتار اقتصادي افراد.. 36

سرمايه و سرمايه‌گذاري در اسلام.. 38

2-6- پيشينه پژوهش.. 40

2-7- خلاصه فصل.. 46

فصل سوم: روش شناسي پژوهش…. 47

3-1- مقدمه.. 48

3-2- روش پژوهش.. 48

3-3- فرضيه هاي پژوهش.. 50

3-4- متغيرهاي پژوهش.. 51

3-4-1- متغير وابسته.. 51

3-4-2- متغير مستقل.. 52

3-5- روش جمع آوري اطلاعات.. 53

3-6- جامعه آماري.. 53

3-8- خلاصه فصل.. 58

فصل چهارم: تجزيه و تحليل داده ها. 59

4-1- مقدمه.. 60

4-2 آمار توصيفي.. 60

4-3 آمار استنباطي.. 60

4-4 بررسي نرمال بودن متغير وابسته تحقيق در فرضيه اول.. 61

4-5 آزمون معني دار بودن کل رگرسيون براي فرضيه اول.. 61

4-6 آزمون دوربين – واتسون براي فرضيه اول.. 62

4-4- اثرات رويکرد فرهنگي و مذهبي.. 68

4-5- خلاصه فصل.. 69

فصل پنجم: نتيجه گيري و پيشنهادهاي پژوهش…. 70

5-1- مقدمه.. 71

5-2- نتايج پژوهش.. 71

5-3- محدوديت هاي پژوهش.. 72

5-4- پيشنهادهاي پژوهش.. 72

5-4-1- پيشنهادهاي کاربردي.. 72

5-4-3- پيشنهادها جهت پژوهش هاي آتي.. 73

5-5- خلاصه فصل.. 73

منابع و مآخذ.. 74

پیوست ها 76

 

عنوان                                                                                                                                                                      صفحه

جدول 2-1) خلاصه اطلاعات منتشر شده توسط بورس اوراق بهادار تهران                                                                     18

جدول 2-2) ارزش توليد و ارزش افزوده خدمات موسسات مالي و پولي به قيمت پايه                                                    18

جدول2-3) آمار جمعيتي مربوط به چهار دين با بيشترين پيروان                                                                                 32

جدول 2-4) خلاصه پيشينه پژوهش هاي داخلي                                                                                                          44

جدول 2-5) خلاصه پيشينه هاي هاي خارجي                                                                                                              45

جدول 3-1) اطلاعات مربوط به متغيرهاي پژوهش                                                                                                         52

جدول 4-1) آمار توصيفي متغييرها                                                                                                                                60

جدول 4-2) نتايج و تجزيه و تحليل آماري براي فرضيه اول                                                                                          61

جدول 4-3) نتايج و تجزيه و تحليل آماري براي فرضيه دوم                                                                                        63

جدول 4-4) نتايج و تجزيه و تحليل آماري براي فرضيه سوم                                                                                        63

جدول 4-5) نتايج و تجزيه و تحليل آماري براي فرضيه چهارم                                                                                     64

جدول 4-6) نتايج و تجزيه و تحليل آماري براي فرضيه پنجم                                                                                       64

جدول 4-7) نتايج و تجزيه و تحليل آماري براي فرضيه ششم                                                                                      65

جدول 4-8) نتايج و تجزيه و تحليل آماري براي فرضيه هفتم                                                                                       66

جدول 4-9) نتايج و تجزيه و تحليل آماري براي فرضيه هشتم                                                                                      66

جدول 4-10) نتايج و تجزيه و تحليل آماري براي فرضيه نهم                                                                                        67

جدول 4-11) نتايج و تجزيه و تحليل آماري براي فرضيه دهم                                                                                       67

جدول 4-12) خلاصه نتايج آزمون فرضيه ها                                                                                                                 68

جدول 4-13) خلاصه نتايج آزمون فرضيه ها ي رويکرد مذهبي                                                                                    68

جدول 5-1) خلاصه نتايج آزمون فرضيه ها                                                                                                                    71

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