اثر جریمۀ تأخیر تأدیه بر کاهش معوقات بانکی؛ مطالعۀ موردی شعب بانک ملت مازندران.

نوع مقاله : علمی

نویسندگان

1 دانشجوی دکتری اقتصاد، دانشگاه آزاد اسلامی واحد فیروزکوه.ایران

2 استادیار و عضو هیات علمی دانشگاه آزاد اسلامی واحد فیروزکوه، فیروزکوه، ایران

3 استادیار و عضو هیات علمی دانشگاه آزاداسلامی فیروزکوه، فیروزکوه، ایران

4 استادیار و عضو هیات علمی دانشگاه آزاد اسلامی فیروزکوه، فیروزکوه، ایران

چکیده

وجه‌التزام بانکی، مبلغی مازاد بر مقدار وام است که در بانکداری اسلامی برای جریمۀ وام‌گیرنده در صورت دیرکرد در بازپرداخت تعیین می‌شود. هدف از این پژوهش بررسی اثر میزان جریمۀ دیرکرد بر احتمال بروز دیرکرد در بازپرداخت وام است. برای این منظور 19999 نفر از مشتریان شعب بانک ملت در استان مازندران که در فاصلۀ زمانی آذرماه 1391 تا آذرماه 1397 از یکی از این شعب اخذ وام کرده‌اند مورد بررسی قرار گرفته‌اند. تعداد شعب مورد بررسی در این مطالعه شامل 68 عدد می‌شود. الگوی مورد استفاده در این پژوهش یک الگوی پروبیت با داده‌های تابلویی یک طرفه است. به طوریکه یک بعد از داده‌ها نفرات مختلف گیرندۀ وام از شعب و بعد دیگر مختص به شعب بوده و بعد زمان در الگو لحاظ نشده است. نتایج برآورد حاکی از وجود رابطۀ منفی و معنی‌دار میان میزان جریمۀ دیرکرد و تأخیر در بازپرداخت هستند. همچنین برآوردها نشانگر اثر کاهندۀ درآمد، کسر از حقوق، پرداخت تقسیطی و سابقۀ دیرکرد بر بازپرداخت هستند. نتایج این پژوهش قابل کاربست در دیگر بانک‌ها و شعب به منظور اخذ سیاست‌های.مناسب در کاهش دیرکرد بازپرداخت هستند. همچنین برآیند بررسی‌ها حاکی از همخوانی این مفهوم با آموزه‌های اسلامی است.

کلیدواژه‌ها


عنوان مقاله [English]

The Effect of Delay Fine on Reducing Delay in Repayment of Loan; Study of Melat Bank’s Branches in Mazandaran

نویسندگان [English]

  • Fazlollah Porhosein Baghery 1
  • Khosro Azizi 2
  • Yazdan Naghdi 3
  • Soheila Kaghazian 4
1 PhD student, Islamic Azad University, Firoozkuh Branch
2 Faculty member of Islamic َAzad ,University, Firoozkuh branch, Firoozkuh, Iran
3 Faculty member of Islamic Azad University, Firoozkuh Branch, Firoozkuh, Iran
4 Faculty member of Islamic Azad University, Firoozkuh Branch, Foroozkuh, Iran
چکیده [English]

Vajholtezam-e-Banki is the amount of money more than the amount of the loan which is defined in Islamic Banking as the fine for defaulting on a loan payment. The purpose of this study is to analyze the effect of delay fine on the probability of delay in repayment of loans. In order to do so, 19999 costumer in Melat Bank’s branches in the Mazandaran province between 2012 and 2018 were studied. The number of branches amounts to 68. The model devised in this study is a one way Panel – Probit. One dimension of the data will be the individuals and the other dimension will be the branches and the time dimension is not included in the model. The results suggest that there is a significant negative relationship between the fine and delay in repayment. Also, the estimations suggest the decreasing effect of income, salary reduction, dividend of payments, and history of delay on repayment. The results of this study are suitable to be devised as a policy complement in other banks and branches in order to take appropriate policy measures for the purpose of decreasing delay in repayment of loans. Also, the findings of the study indicate that this banking concept is in line with Islamic teachings.

کلیدواژه‌ها [English]

  • Delay Fine
  • Melat Bank’s Branches
  • Mazandaran Province
  • Panel – Probit
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