چکیده:
After the Islamic revolution, justice was always one of the major polices of the leader. But performance of banking system from the perspective of justice was criticized by the economic experts. Scientific criticism must be based on the performance evaluation and empirical evidence. Measuring justice dimensions and its components requires the use of appropriate indicators. Considering the criticism of the banking system about the weakness of justice, in this paper, we examine the issue that the position of justice in the Iran banking system is improving. Therefore a number of justice indicators in the field of Islamic banking were extracted and then estimated the degree of compliance of the banking system with the criteria and indexes of justice by using the secondary data of the central bank. Non-parametric statistical methods named Mann-Kendall trend test was conducted for detecting the trends of each factor. Improving the components of justice (fairly distribution of resources, realization the purpose of depositor, poverty alleviation, and realization the rights of the parties) were tested through four hypotheses. The results showed that all of the justice factors, except the “realization the purpose of depositor” have no significant improving. In other words, the “realization the purpose of depositor” has a significant increasing trend. Furthermore, there was a downward trend in “fairly distribution of resources” and “poverty alleviation”. Also significant increasing trend of “non-realization the rights of the parties” was identified.
خلاصه ماشینی:
5. Data Analysis and Presentation of Findings In this section, based on the four elements of justice (fair distribution of resources, consideration of depositor incentive, poverty alleviation, and fulfillment of the rights of both parties) and the measurable indicators based on these four components, the level of success and effectiveness of the country's banking performance in the post-revolution period will be evaluated regarding the identified indicators.
Table (2): Results of the Mann-Kendall non-parametric test Justice components start year end year n Z statistic significance level result Fair distribution of resources 1385 1395 - 3/74 11 *** Reject Consideration of depositor incentive 1363 1395 33 5/50 *** Accept Poverty alleviation 1363 1395 33 - 6/71 *** Reject Fulfillment of rights of both parties 1358 1387 30 6/46 *** Reject *** Significance at 0/001 error level ** Significance at 0/01 error level Source: Research findings As shown in the table above, regarding the time series trend of the ratio of facilities for deprived areas to total facilities, which is the indicator of fair distribution of resources in the banking system (Hypothesis 1), since the absolute value of the Mann-Kendall test statistic is greater than 3/291, it can be said that this test is significant at a 99/9% confidence level.
Furthermore, regarding the time series trend of the ratio of overdue claims to total banking facilities, which is the indicator of the non-fulfillment of the rights of both parties in the banking system (Hypothesis 4), since the absolute value of the Mann-Kendall test statistic is greater than 3/291, it can be said that this test is significant at a 99/9 percent confidence level.
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