محاسبه شاخص ترکیبی اندازه‌گیری دسترسی مالی در ایران | ||
| چشم انداز مدیریت مالی | ||
| دوره 11، شماره 33، اردیبهشت 1400، صفحه 193-215 اصل مقاله (642.98 K) | ||
| نوع مقاله: علمی - پژوهشی | ||
| شناسه دیجیتال (DOI): 10.52547/jfmp.11.33.193 | ||
| نویسندگان | ||
| حامد حامدی نیا* 1؛ بهرنگ اسدی2 | ||
| 1دانشجوی دکتری مالی، دانشگاه تهران، تهران، ایران. | ||
| 2دکتری مالی، دانشگاه تهران، تهران ایران. | ||
| چکیده | ||
| دسترسی مالی بدین معنی است که افراد و صاحبان کسب‌وکار بتوانند به محصولات و خدمات مالی مورد نیاز، با راحتی و صرفه اقتصادی مناسب و همچنین از طریق راههای ارتباطی معتبر و پایدار، دسترسی داشته باشند. کاهش فقر، افزایش رشد اقتصادی و کاهش بیکاری از مهم‌ترین مزایای دسترسی مالی به حساب می‌آیند. با توجه به اهمیت موضوع، در پژوهش حاضر به معرفی و تبیین مفهوم دسترسی مالی پرداخته شده و شاخصی ترکیبی طراحی شده است که به وسیله آن میزان دسترسی مالی قابل اندازه‌گیری میباشد. سپس با استفاده از شاخص طراحی شده، دسترسی مالی در هر یک از استان‌های کشور ایران محاسبه شده و استانها از این منظر رتبهبندی شدهاند. نتایج نشان می‌دهد استان‌های تهران، سمنان و یزد بیشترین سطح دسترسی مالی و استان‌های سیستان بلوچستان، خوزستان و آذربایجان غربی کمترین سطح دسترسی مالی را در بین استانها در اختیار دارند. در نهایت، عواملی که منجر به کاهش رتبه استانها در تحقق شاخص دسترسی مالی شدهاند، مورد بررسی قرار گرفته است. | ||
| کلیدواژه‌ها | ||
| انحصار مالی؛ دسترسی مالی؛ شاخص ترکیبی؛ تأمین‌مالی خرد | ||
| عنوان مقاله [English] | ||
| Computation of Financial Inclusion Composite Index in Iran | ||
| نویسندگان [English] | ||
| Hamed Hamedinia1؛ Behrang Asadi2 | ||
| 1Ph.D. Candidate in Finance, University of Tehran, Tehran, Iran | ||
| 2Ph.D. in Finance, University of Tehran, Tehran, Iran. | ||
| چکیده [English] | ||
| Financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs in a reliable and sustainable way. Reducing poverty and unemployment rate along with increasing economic growth are considered to be the most important advantages of financial inclusion. Given the importance of this subject, the concept of financial inclusion has been explained; moreover, a composite index has been developed to measure financial inclusion in this article. Using designed financial inclusion composite index (FICI), the financial inclusion measures have been calculated in each province of Iran and theses provinces have been ranked. The results show that Tehran, Semnan and Yazd provinces have the highest level of financial inclusion and Systan Balouchestan, Khouzestan and Western Azarbayejan provinces have the lowest level of financial inclusion. Finally, the parameters, which have lowered the rank of these provinces in reaching suitable financial inclusion index, have been studied. | ||
| کلیدواژه‌ها [English] | ||
| Composite Index, Financial Inclusion, Financial Exclusion, Microfinance | ||
| مراجع | ||
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