The Study of Efficiency of Comercial and Specialized Banking System in Small and Medium Enterprises on the Development of Cooperation (Ardebil Province)

Journal of Monetary & Financial Economics, Volume 19 , Number 3; Page(s) 106 - 129 (2012)

Posted: 9 Oct 2019 Last revised: 17 Apr 2020

See all articles by Hosein Asgari Alouj

Hosein Asgari Alouj

Islamic Azad University (IAU) - Bilesavar branch

Nahid Maleki Nia

Islamic Azad University (IAU) - Bilesavar branch

Azam Gezelbash

affiliation not provided to SSRN

Date Written: 2012

Abstract

This research is about the efficiency of the banking system in small and medium enterprises on the development of cooperation with (DEA). The question of this Research is that: is the efficiency of commercial banks more than specialized banks in job creation of the cooperative sector through facility payment to small and medium enterprises?

To answer, a sample consisting of nine operating banks in Ardabil province was selected and their efficiency was calculated by using DEA method, constant returns to scale (CRS), variable returns to scale (VRS), decreasixy returns to scale (IRS), decrease returns to scale (DRS) models and optimization models (input shaft and output shaft). The Survey results show the average efficiency of commercial banks are more than specialized banks with constant returns to scale, variable returns to scale, increasing returns to scale, decreasing returns to scale models. The average efficiency of banking system with variable returns to scale are more than the average efficiency of banking system with constant returns to scale.

Keywords: Small and Medium Enterprises (SME), DEA, Efficiency

Suggested Citation

Asgari Alouj, Hosein and Nia, Nahid Maleki and Gezelbash, Azam, The Study of Efficiency of Comercial and Specialized Banking System in Small and Medium Enterprises on the Development of Cooperation (Ardebil Province) (2012). Journal of Monetary & Financial Economics, Volume 19 , Number 3; Page(s) 106 - 129 (2012), Available at SSRN: https://ssrn.com/abstract=3460770

Hosein Asgari Alouj (Contact Author)

Islamic Azad University (IAU) - Bilesavar branch

Iran

Nahid Maleki Nia

Islamic Azad University (IAU) - Bilesavar branch

Iran

Azam Gezelbash

affiliation not provided to SSRN

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