Modeling the factors influencing the non-receipt of financial facilities of cooperatives from the point of view of artificial intelligence (Case of study: cooperatives of Semnan province)

Subject Areas : improving the performance of the public sector; Taking advantage of the opportunities available to fulfill the needs of citizens

reza ziyari ¹ , zahra moghimi ²

1 - استادیار گروه اقتصاد ، واحد سمنان، دانشگاه آزاد اسلامی، سمنان، ایران. رایانامه: [e-mail]
2 - Assistant Professor, Department of Public Administration, Semnan Branch, Islamic Azad University, Semnan, Iran

Received: 2024-05-12 Accepted : 2024-05-30 Published : 2024-05-31

Keywords: obstacles, attraction of facilities, cooperatives, artificial intelligence, coding,

Abstract :

Cooperatives as non-governmental economic enterprises can play an important role in creating cultural and executive models in the country's economy. Due to the limited financial resources in cooperatives, one of the ways to increase the share of the cooperative sector in Iran's economy is to apply support policies by granting credit facilities from the government sector. This is despite the fact that the cooperative sector in the country is often operating with traditional approaches and structures, and it has limitations in the field of using modern technology and benefiting from the capabilities of artificial intelligence in achieving the set goals. Therefore, the current research has been conducted with the aim of designing a model of factors influencing the non-attraction of financial facilities of cooperatives in Semnan province from the point of view of artificial intelligence. The current research is exploratory and qualitative research. After reviewing the theoretical foundations and using the foundational data theory and conducting in-depth semi-structured interviews with experts, the data was coded, and the theoretical model of the research was presented. To form the expert panel, 16 university professors and experimental experts were selected by purposive sampling. The results showed "drafting appropriate policies regarding the use of artificial intelligence"; "Validation of applicants to receive facilities using artificial intelligence capabilities"; "Familiarizing and justifying applicants with electronic and intelligent processes of receiving facilities"; "Removing bureaucratic obstacles and cumbersome banking regulations"; "Consistency in the main provisions of the regulations"; And "creating coordination between the involved executive bodies" is one of the effective strategies in attracting facilities by cooperatives.

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