In Iran, banking business models have not been designed to effectively finance manufacturing enterprises, causing a lack of liquidity for enterprises in most cases. Meanwhile, the manufacturing sector's deficiencies, such as the inability to repay installments, have not secured the interests of banks in injecting liquidity into manufacturing enterprises. Therefore, banks are interested in fulfilling social obligations by providing services in the framework of social banking while aiming to maximize their profits. Thus, they have two missions and financial conflict of interest with small manufacturing enterprises, which should be resolved. Despite studies on liquidity problems in manufacturing enterprises, there have been few studies on the financial conflict of interests between banks and manufacturing enterprises. Hence, the theoretical background and supporting theories were used to identify the main variables, which were finalized by experts using the fuzzy Delphi technique. To identify the correlations between variables, the questionnaire was completed by 35 team members and the results were analyzed using the fuzzy DEMATEL (decision making trial and evaluation laboratory) technique. The results show that in developing social banking, creating sustainable value creation, strengthening the banking system, and financing sustainable projects are more important and important factors such as optimal resource allocation, transparency, and access to facilities by people will lead to sustainable value creation and optimal allocation of banking resources. At the same time, value creation allows businesses to grow, especially micro and small businesses, leading to the development of social entrepreneurship and ultimately minimizing the conflict between banks and manufacturing enterprises. Manuscript profile