Economics and Marketing
- -; Toktam Mohtashami; Fatemeh Rastegaripour
Abstract
Among the risks that threaten banks and financial institutions, credit risk is the most important risk due to its centrality, volume of operation and especially its sensitivity. Due to the lack of proper transportation equipment and communication infrastructure and the need to manager water resources ...
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Among the risks that threaten banks and financial institutions, credit risk is the most important risk due to its centrality, volume of operation and especially its sensitivity. Due to the lack of proper transportation equipment and communication infrastructure and the need to manager water resources and initial capital for advertising and packaging, a major part of Saffron producers in the northeast of the country and especially Zaveh city in Khorasan Razavi province, use banking facilities to provide floating capital. However, for reasons that cause agricultural risk, part of the facilities granted to them is not returned every year and causes the risk of non-repayment for the bank. Accordingly, the aim of this research is to measure the credit risk of facilities granted to Saffron producers in Zaveh city. Examined information is related to 16.000 real customers from three branches of Keshavarzi bank located in Zaveh city from the beginning of 2017 to the end of 2019, which has been analyzed using the Logit model. According to the results, it can be said that specialization of loans in the agricultural sector, payment to technical and trained people and non-renewal of these facilities on time, along with better follow-up and supervision can improve credit risk efficiency. Also, due to the greater impact of financial characteristics than personal characteristics in customer default, getting closer to Islamic banking in which the bank is the partner of facilities in economic activities and the individual's contribution is considered as a guarantee, may better cover credit risks while freeing the core collateral to select better customers.
Economics and Marketing
Fatemeh Rastegaripour; Alireza Karbasi; Mohammad Ghorbani; fatemeh Rastegaripur
Abstract
Saffron is considered as an important crop for farmers of the Khorasan Razavi province due to the ability to create high employment and generate appropriate income. Problems of saffron producers in marketing and export has caused this product not to be in a good position in the world market despite its ...
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Saffron is considered as an important crop for farmers of the Khorasan Razavi province due to the ability to create high employment and generate appropriate income. Problems of saffron producers in marketing and export has caused this product not to be in a good position in the world market despite its high quality. Therefore, the study of marketing mix as one of the most important factors affecting marketing of saffron in the region seems to be necessary. In order to identify the strengths, weaknesses, opportunities and threats of marketing mix of saffron, a strategic factor analysis approach was used in this study. The required information was collected through face-to-face interviews and completing a questionnaire with managers and experts of saffron producing and exporting companies in Mashhad and Torbat Heydarieh cities in 2015. To investigate the validity of the questionnaire, the questionnaires were reviewed by supervisors and consultants and several experts. At first, some initial questions were completed and using the Cronbach's alpha method, the reliability coefficient was 0.79. The results of the internal factor matrix showed that the weaknesses overcome the strength and, according to the results of external factors matrix, the points of opportunity are superior to the threat. The results of the study showed that the increase in the value added due to saffron processing with a score of 0.57 and export value with a score of 0.54 are the most important strength and low purchase price of farmers with a score of 0.13 and a lack of knowledge of the price of competitors with a score of 0.11 are the most important weaknesses in marketing mix price. Also, the export of the product with different qualities based on the financial ability of target customers with a score of 0.32 and price determination based on the competitive and economic environment with 0.23 are most significant opportunities, and the volatility of the exchange rate with a score of 0.4 and a price fluctuation in the export market with a score of 0.36 are the most important current threats of saffron marketing. The general results obtained from the status analysis matrix indicate that the saffron processing factor strategies are defensive. Therefore, according to the results, the strategies of establishing a regional exchange market for saffron and long-term control of prices in export markets with the aim of paying attention to pricing and fair purchase are suggested.
Economics and Marketing
Fatemeh Rastegaripour; Alireza Karbasi; Ahmad Ahmadian
Abstract
The purpose of this study is to designing the strategic plans of the Saffron institute of the university of Torbat-e Heydarieh. The research method is analytical–descriptive. The size of the statistical sample for this research was n=50 including, principal and associate principal of the university ...
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The purpose of this study is to designing the strategic plans of the Saffron institute of the university of Torbat-e Heydarieh. The research method is analytical–descriptive. The size of the statistical sample for this research was n=50 including, principal and associate principal of the university and the institute, staff, professors and experienced researchers who were selected by purposive sampling. Review of literature, study of documents, interviews, questionnaire, surveys, forms for determining strategic issues and strategic meetings were used for collecting data. The validity of the SWOT questionnaire was approved by several professors of sport management and experts and the reliability was confirmed according to Cronbach's alpha (α=0.91). For analyzing the data, descriptive statistics, Friedman test, Internal and External factor matrixes, SWOT analysis based on intuition and brainstorming were used for developing strategies. The results of this research showed saffron institute, university of Torbat-e Heydarieh has 7 strengths, 18 weaknesses, 7 opportunities, and 11 threats. Accordingly, subjects such as mission statements, vision statements, and long – terms objectives, core values, strategic situation, strategies and plans were determined. In addition, the analysis of internal and external matrix showed that this office is located in the Weakness-Opportunities (WO) position.
Economics and Marketing
Alireza Karbasi; Fatemeh Rastegaripour
Abstract
With due attention to facilities, and different potentials and sources in agriculture of Torbat Heydarieh city, this region is suitable for cultivation and production of saffron. In this study comparative advantage of saffron production in Torbat Heydarieh investigated using DRC index and policy analysis ...
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With due attention to facilities, and different potentials and sources in agriculture of Torbat Heydarieh city, this region is suitable for cultivation and production of saffron. In this study comparative advantage of saffron production in Torbat Heydarieh investigated using DRC index and policy analysis matrix (PAM) during 2012-13. Also in this study evaluated comparative advantage of saffron export using RCA and RSCA index. The Results showed that saffron production in Torbat Heydarieh has a comparative advantage. According to the NPC price index is higher than market price and so producers benefited from subsidies and market support. According to the EPC standard, government interventions has a positive effect on production of this crop, so was supported from input and production markets this crop. In result, NSP index was positive in all sectors. Results of these two indexes showed that Iran, Spain and Greece had preferences on export relative advantage in the world during 2004-2012. While value added of Iran saffron export is not considerable, therefore, for improving this condition, joining Iran to the WTO in order to reduce tariffs on exports, paying more attention in marketing and supplying necessary facilities such as foreign exchange support in the country was suggested.
