Low interest loans in micro businesses and its impact on social entrepreneurship using data envelopment analysis

Subject Areas : International Journal of Data Envelopment Analysis

Sajjad Tavakoli ¹ , Mahnaz Ahadzadeh Namin ² , Navid Khabiri ³

1 - Department of Financial Management, Safadasht Branch, Islamic Azad University, Tehran, Iran.
2 - Department of Mathematics, Shahr-e-Qods Branch, Islamic Azad University, Tehran, Iran
3 - Department of Management, Safadasht Branch, Islamic Azad University, Tehran, Iran

Received: 2023-03-07 Accepted : 2023-07-01 Published : 2023-07-01

Keywords: Micro loans, Data Envelopment Analysis, Social entrepreneurship, Micro businesses,

Abstract :

Evaluating the efficiency of low-fee loans in small businesses and comparing them with each other can be a support for strategic planning. Banks and escape from economic inflation. One of the methods of measuring efficiency is data coverage analysis. In this research, the indicators affecting the performance of low-fee loans have been researched and identified, and then the researched samples have been estimated. In three parts, the evaluation of the public institution of Resalat (Qarz Al-Hasna Resalat Bank) which is active in paying microloans has been done and in order to measure the impact of microloans on business creation, it has been compared with 9 other banks. In fact, the purpose of this research is to measure the efficiency of micro-bank facilities and its impact on the creation of micro- and home-based businesses and to identify indicators that affect micro-businesses. At the end, the steps of the research are described with a practical example