The Effect of Components of Knowledge Based Economy on Gharzol Hasana Deposit in public banks
مهدی جعفری
1
(
دانشگاه حضرت معصومه
)
سید رضا میر عسکری
2
(
استادیار گروه مدیرت دانشکده ادبیات و علوم انسانی دانشگاه گیلان، رشت ایران
)
سیدجواد عمادی
3
(
accounting,management and accounting,rasht,iran
)
Keywords: "Gharzol Hasana", " Deposit", " Knowledge", "Knowledge Based Economy", " ARDL",
Abstract :
The rights and privileges of this contract for contract parties have made it attractive both for collecting savings and for offering funds to the needy and investors. The components of the knowledge-based economy are one of the determinant factors in increasing the Qarz al-Hasna deposits, because, improving the rule of law, improving institutional and economic regimes, promotion of communication systems such as the Internet and creating new technologies will lead to increased confidence in the banking system and increase people's willingness to deposit, as well as increase in Qarz al-Hasna deposits. Also, electronic banking services in the field of Qarz al-Hasna will increase the willingness to deposit in Qarz al-Hasna deposits. On the other hand, the upgrading of communication systems will lead to the optimal allocation of Qarz al-Hasna resources. Therefore, this present investigates the effect of knowledge-based economy components on Gharz-ul-Hasna deposits in Iran during the period 1998-2023 using Autoregressive Distributed Lag(ARDL) method in quarterly data. The results show that in the short term, the components of knowledge-based economy have a positive and significant effect on Qarz al-Hasna deposits. But in the long run, the variable of education and human resources has a positive and significant effect on Qarz al-Hasna deposits. Also, the effect of innovation and information infrastructure variables on Qarz al-Hasna deposits in the long run has not been confirmed. But the variable of institutional and economic regimes in the long run has a negative and significant effect on Qarz al-Hasna.
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