The analysis of the bank payment of water bills and its impact on expenditures of the water and waste-water companies

فصلنامه آب و توسعه پایدار

Article 4, Volume 2, Issue 1 - Serial Number 4, September 2015, Pages 17-24   

Document Type: review paper

DOI: 10.22067/jwsd.v2i1.45961

Authors

mojtaba zeinali^{* 1}; hamid mozafarian²; shariar baharloee²

¹kerman university

²Water and Wastewater Engineering

Abstract

The water and waste-water industry, as an infrastructure industry, has wide interactions with the public by having more than 20 million subscribers (27 million units). One of these interactions is the collection of debt considering the nature of the obligation sales and service rendered. Collection of debt and the costs imposed as a result of the qualitative and quantitative services offered to the subscribers, is a serious challenge for the water and waste-water industry. Bank fees collection (bank charges), is one of these incurred costs. Statistics show that bank payments over six periods in the year 1393 of approximately 209 billion Rials (122 billion urban, and 87 billion rural) have been incurred to the industry's costs. This is one aspect of the issue, the other aspect is the waste of national assets and resources through bank payment of bills. This study offers solutions and advice from water and waste-water companies' experts in order to propose a comprehensive analysis of bank payments of bills and clarify aspects of the aforementioned challenges. For a closer look, three questions and hypotheses are discussed and the data is analyzed using descriptive statistics and ANOVA techniques. The results show that with a confidence level of 93% (at least), the development of bank payments of bills is under the influence of the provinces' developments. In general, paving the way for non-bank payment of bills is one of the factors that has led to the subscribers' satisfaction and works very much for on-time payments and will provide a timely liquidity.

Keywords

Water bills؛ Electronic banking؛ ANOVA; Bank payment؛ Non-bank payment

References

اسلامی، س. 1391. تعیین و محاسبه درجه توسعهیافتگی استان‏های کشور طی دو مقطع 1385-1375. مجله اقتصادی (دو ماهنامه بررسی مسائل و سیاست‏های اقتصادی)، 12(1): 41-68.

بانک مرکزی جمهوری اسلامی ایران. 1393. بخشنامه‏ی ابلاغ نرخ های جدید کارمزد خدمات بانکی(ریالی) به شبکه بانکی کشور به شماره85331/91 مورخ 05/04/91 و نامه‏ی شماره 110078/91 مورخ 29/04/91 بانک مرکزی. پورتال بانک مرکزی جمهوری اسلامی ایران. نشانی الکترونیک:

http://www.cbi.ir/simplelist/9212.aspx (بند اا).

داودآبادی، م و سیدزاده، س.ع. 1392. راهنمای جامع مدیریت مالی و اقتصادی صنعت آب و فاضلاب (به همراه تحلیل مولفه‏های مالی و اقتصادی-از تئوری تا عمل، فصل نهم: عملکرد مالی شرکت آب دنیوای هلند و مقایسه آن با صنعت آب و فاضلاب ایران در سال‏های 2006 و 2007. موسسه فرهنگی هنری پویه مهر اشراق.

روزنامه دنیای اقتصاد. 1387. شش روش پرداخت غیرحضوری قبوض خدماتی. روزنامه دنیای اقتصاد، شماره 1748 به تاریخ 12/12/87، صفحه 12 (بانک و بیمه). آدرس اینترنتی:

http://www.magiran.com/npview.asp?ID=1815750

شرکت مهندسی آب و فاضلاب کشور. 1393. سامانه‏ی اطلاعات مدیریت (MIS). دفتر آمار و فناوری اطلاعات شرکت مهندسی آب و فاضلاب کشور. نشانی الکترونیک: http://mis.nww.ir/abfamis. تاریخ اخذ اطلاعات: پایان شهریور 1393.