Investigating on effects of different granting loans on bank deposits
This paper investigates the relationship between different granting loans and bank deposits in some governmental banks in province of Semnan, Iran. For the proposed study of this paper, equipment of resources includes cash account, zero-interest account, short term investment and long term investmen...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
Growing Science
2013-02-01
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| Series: | Management Science Letters |
| Subjects: | |
| Online Access: | http://www.growingscience.com/msl/Vol3/msl_2012_339.pdf |
| _version_ | 1828475019521425408 |
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| author | Seyed Kazem Ebrahimi Hassan Nazari |
| author_facet | Seyed Kazem Ebrahimi Hassan Nazari |
| author_sort | Seyed Kazem Ebrahimi |
| collection | DOAJ |
| description | This paper investigates the relationship between different granting loans and bank deposits in some governmental banks in province of Semnan, Iran. For the proposed study of this paper, equipment of resources includes cash account, zero-interest account, short term investment and long term investment and these are considered as dependent variables. There are also seven types of granting loans devoted to customers, which are partnership loans, zero-interest loans, civic participation, contract quantity loans, future contract loans, rent-purchase loans and installment sales loans. The study considers the financial information of 171 governmental banks located in province of Semnan, Iran over the period 2006-2011. The results of our study indicate that five variables maintain positive impact on dependent variable. The highest impact belongs to Partnership loans (0.34), followed by Sales loans (0.24), contract quantity loans (0.21) and Zero-interest loans (0.16) and Future contract loans (0.14) come in the last position. The study also uses Freedman test to rank dependent factors and the results indicate that short- term investment is number one priority followed by long term investment and the other two options including zero-interest and cash accounts are in lower priority. |
| first_indexed | 2024-12-11T06:06:53Z |
| format | Article |
| id | doaj.art-69ce4932029242f2921c57c62c366551 |
| institution | Directory Open Access Journal |
| issn | 1923-9335 1923-9343 |
| language | English |
| last_indexed | 2024-12-11T06:06:53Z |
| publishDate | 2013-02-01 |
| publisher | Growing Science |
| record_format | Article |
| series | Management Science Letters |
| spelling | doaj.art-69ce4932029242f2921c57c62c3665512022-12-22T01:18:15ZengGrowing ScienceManagement Science Letters1923-93351923-93432013-02-0132505510Investigating on effects of different granting loans on bank depositsSeyed Kazem EbrahimiHassan NazariThis paper investigates the relationship between different granting loans and bank deposits in some governmental banks in province of Semnan, Iran. For the proposed study of this paper, equipment of resources includes cash account, zero-interest account, short term investment and long term investment and these are considered as dependent variables. There are also seven types of granting loans devoted to customers, which are partnership loans, zero-interest loans, civic participation, contract quantity loans, future contract loans, rent-purchase loans and installment sales loans. The study considers the financial information of 171 governmental banks located in province of Semnan, Iran over the period 2006-2011. The results of our study indicate that five variables maintain positive impact on dependent variable. The highest impact belongs to Partnership loans (0.34), followed by Sales loans (0.24), contract quantity loans (0.21) and Zero-interest loans (0.16) and Future contract loans (0.14) come in the last position. The study also uses Freedman test to rank dependent factors and the results indicate that short- term investment is number one priority followed by long term investment and the other two options including zero-interest and cash accounts are in lower priority.http://www.growingscience.com/msl/Vol3/msl_2012_339.pdfBanking industryBank depositLoan |
| spellingShingle | Seyed Kazem Ebrahimi Hassan Nazari Investigating on effects of different granting loans on bank deposits Management Science Letters Banking industry Bank deposit Loan |
| title | Investigating on effects of different granting loans on bank deposits |
| title_full | Investigating on effects of different granting loans on bank deposits |
| title_fullStr | Investigating on effects of different granting loans on bank deposits |
| title_full_unstemmed | Investigating on effects of different granting loans on bank deposits |
| title_short | Investigating on effects of different granting loans on bank deposits |
| title_sort | investigating on effects of different granting loans on bank deposits |
| topic | Banking industry Bank deposit Loan |
| url | http://www.growingscience.com/msl/Vol3/msl_2012_339.pdf |
| work_keys_str_mv | AT seyedkazemebrahimi investigatingoneffectsofdifferentgrantingloansonbankdeposits AT hassannazari investigatingoneffectsofdifferentgrantingloansonbankdeposits |