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

اقتصاد پولی مالی

Article 5, Volume 19, Issue 3, January 2013   

Document Type: پژوهشی

DOI: 10.22067/pm.v19i3.28555

Authors

Hosein Asgari alouj^* ; Nahid Maleki Nia; Azam Ghezelbash

Abstract

This research is about the efficiency of the banking system in small and medium
enterprises on the development of cooperation with (DEA)4. 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 theix efficiency was calculated by using DEA method, constant returns
to scale (CRS)1, variable returns to scale (VRS)2, decreasixy returns to scale (IRS)3,
decrease returns to scale (DRS)4 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