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بررسی عوامل تأثیرگذار بر سواد مالی اسلامی با استفاده از تکنیک دنپ | ||
| نشریه علمی «تحقیقات مالی اسلامی» | ||
| مقاله 4، دوره 11، شماره 1 - شماره پیاپی 21، آبان 1400، صفحه 75-110 اصل مقاله (816.3 K) | ||
| نوع مقاله: علمی - پژوهشی (تئوری مالی اسلامی) | ||
| شناسه دیجیتال (DOI): 10.30497/ifr.2022.242426.1690 | ||
| نویسندگان | ||
| جلال نادری1؛ محمود رامشینی* 2؛ فاطمه زارعی3 | ||
| 1دانش‌آموخته دکترای مدیریت مالی، دانشگاه تهران، تهران، ایران | ||
| 2استادیار گروه آموزشی مدیریت بازرگانی، دانشگاه بجنورد، بجنورد، ایران | ||
| 3استادیار گروه مدیریت، دانشگاه میبد، میبد، ایران | ||
| چکیده | ||
| سواد مالی به‌عنوان یکی از سرمایه‌های انسانی محسوب می‌شود که در تأثیرگذاری بر رفتار مالی نقش مهمی دارد. لزوم توسعه محصولات مالی اسلامی، تقویت سواد مالی اسلامی است تا از تصمیم‌گیری‌های مالی مردم حمایت شود. هدف این مقاله شناسایی و تحلیل مهم‌ترین عوامل مؤثر بر سواد مالی اسلامی در کشور جمهوری اسلامی ایران با استفاده از تکنیک دنپ (دیمتل مبتنی‌بر فرآیند تحلیل شبکه‌ای)[i] است؛ بنابراین ابتدا با استفاده از مطالعه آرشیو و بررسی دقیق منابع مختلف مهم‌ترین عوامل مؤثر بر سواد مالی اسلامی شناسایی شد. سپس این عوامل بهمنظور رتبه‌بندی در قالب یک پرسشنامه مقایسه زوجی در اختیار خبرگان -شامل اساتید دانشگاه و کارشناسان بازارهای مالی اسلامی- قرار داده شد و درنهایت 5 مورد از مهم‌ترین این عوامل مورد تحلیل قرار گرفت. نتایج حاصل از مقاله نشان می‌دهد که عوامل اجتماعی دارای بیشترین اهمیت است. همچنین نگرش مالی اسلامی، فرهنگ، تعلقات مذهبی، دوستان و همسالان و دانش مالی اسلامی مهم‌ترین زیر عوامل مؤثر بر سواد مالی اسلامی در جمهوری اسلامی ایران است. 1. DANP (The Dematel based Analytic Network Process) | ||
| کلیدواژه‌ها | ||
| سواد مالی اسلامی؛ نگرش مالی اسلامی؛ دانش مالی اسلامی؛ تعلقات مذهبی؛ تکنیک دنپ | ||
| عنوان مقاله [English] | ||
| Investigating the Factors Affecting Islamic Financial Literacy Using DANP Technique | ||
| نویسندگان [English] | ||
| Jalal Naderi1؛ Mahmood Ramshini2؛ Fatemeh Zarei3 | ||
| 1Ph.D. in Financial Management, Tehran University, Tehran, Iran | ||
| 2Assistant Professor, Business Management Department, University of Bojnord , Bojnord, Iran | ||
| 3Assistant Professor, Management Department, Meybod University, Meybod, Iran | ||
| چکیده [English] | ||
| Financial literacy is considered as one of the human capitals that plays an important role in influencing financial behavior. In order to develop Islamic financial products, Islamic financial literacy must be strengthened to support people's financial decisions. The purpose of this study is to identify and analyze the most important factors affecting Islamic financial literacy in Iran using DANP (The Dematel based Analytic Network Process) technique. Therefore, first, by studying the archives and carefully reviewing various sources, the most important factors affecting Islamic financial literacy were identified. Then These factors were presented to experts in the form of a pairwise comparison questionnaire for ranking. They included university professors and experts in Islamic financial markets. Finally, five of the most important of these factors were analyzed. The results of the research show that social factors are the most important. Also, Islamic financial attitude, culture, religious affiliations, friends and peers and Islamic financial knowledge are the most important sub-factors affecting Islamic financial literacy in Iran. | ||
| کلیدواژه‌ها [English] | ||
| Islamic Financial Literacy, Islamic Financial Attitude, Islamic Financial Knowledge, Religious Affiliation, DANP Technique | ||
| مراجع | ||
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