Identifying and Prioritizing the Obstacles Leading to Bank Overdue, Using DEMATEL and VIKOR

Subject Areas : مدیریت

Amir Mohammadzadeh ¹ , Mohammad Ataei ² , Hossein Salimi ³

1 - استادیار دانشکده مدیریت و حسابداری، دانشگاه آزاد اسلامی، واحد قزوین، قزوین، ایران
2 - استادیار دانشکده مدیریت و حسابداری، دانشگاه آزاد اسلامی، واحد قزوین، قزوین، ایران
3 - کارشناس ارشد مدیریت بازرگانی گرایش مالی، دانشکده مدیریت و حسابداری، دانشگاه آزاد اسلامی، واحد قزوین، قزوین، ایران (عهده¬دار مکاتبات)

Received: 2013-06-10 Accepted : 2014-01-12 Published : 2014-05-22

Keywords: Overdue, Current, Noncurrent, Dubiously Paid,

Abstract :

Today, Overdue are considered as one of the main challenges faced by banks as well as financial and credit Institutes. The loans received by the customers are not paid on due time, resulting in the deposit of sums of money   in the account. This poses big challenges for the banks in Iran. Thus, the studies need to be conducted on what cause these debts and overdue to build up in the banking system and to offer the solutions accordingly. This study aims to identify the obstacles leading to the accumulation of overdue. The study uses a descriptive method of research and 30 experts from Bank Tejarat in Qazvin Province constitute the statistical population. The data were collected using questionnaire and they were analyzed using GMADM which includes DEMATEL and VIKOR. Three questionnaires were devised and 14 obstacles were identified, with the lack of credited guarantor for banks loan as having the highest weight (0.085) in bringing about these overdue. As for loans prioritization, short term loans were identified as the first priority followed by medium term loans and long term loans.