Evaluation and prioritization of the impact of the facilities granted by the state banks of Hamadan province in creating jobs for small and medium enterprises during the period (2017-2024)

اقتصاد و توسعه منطقه ای

Volume 31, Autumn&Winter2025 - Serial Number 28, February 2025

Document Type: Original Article

DOI: 10.22067/erd.2024.82606.1184

Authors

Hossein Hajibabaei¹; Mehdi Ajalli^{* 2}; Majid Fosolee³

¹Department of Management, Faculty of Literature and Humanities, Malayer University, Malayer, Iran

²Assistant Professor, Department of Management, Faculty of Management and Accounting, Bu-Ali Sina University, Hamedan, Iran

³Master of Business Administration, Islamic Azad University, Hamedan branch, Hamedan, Iran

Abstract

Abstract
The expansion and revitalization of small and medium enterprises in industrial provinces is an inevitable necessity to reduce unemployment and use the potential capacities of industrial centers. Hamedan province, like other industrial provinces, is no exception in this regard and this factor can be effective in the economic growth of the province. The main purpose of this study is to evaluate and prioritize the impact of facilities granted by state-owned banks on job creation of small and medium enterprises in Hamadan province during the period (2016-2021). The research method is applied in terms of purpose and descriptive-survey in terms of data collection. The statistical population of the study includes 68 experts and managers of state-owned banks and related executive bodies involved in the research subject. Due to the limited size of the population, the census method (all members of the community) is used as a sample. For this purpose, by reviewing the literature, background and interviews with experts of state-owned banks and related executive bodies, a conceptual model consisting of the structures of "facilities granted by state-owned banks" and "employment of small and medium enterprises" was proposed. In order to test the proposed model and hypotheses and answer the research questions, the path analysis approach and the hierarchical analysis process are used. The final result of the evaluation with this process showed that the first factor (facilities related to working capital in the industry and mining sector) with the highest weight (0.43) ranked first, the second factor (facilities related to fixed capital in the industry and mining sector) It is ranked second with weight (0.36). Also, the fourth factor (facilities related to working capital in the agricultural sector) with a weight of (0.21) is ranked last in terms of importance. Finally, scientific and practical suggestions related to the output of the research hypotheses test are presented; Issues and inadequacies in the financing of small and medium enterprises in Hamadan province will be reviewed and solutions and improvement and development proposals for financing small and medium enterprises through the banking system will be presented.             

Keywords

Granting facilities; state-owned banks; employment of small and medium enterprises; prioritization; hierarchical analysis process

References