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

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