IDEAS home Printed from https://ideas.repec.org/a/spr/syspar/v33y2020i3d10.1007_s11213-020-09524-x.html
   My bibliography  Save this article

The Critical Heuristics of Iranian Banking Credit System: Analysis of the Antithetical Opinions of the Beneficiaries

Author

Listed:
  • Mahmoud Dehghan Nayeri

    (Tarbiat Modares University)

  • Moein Khazaei

    (Tarbiat Modares University)

  • Fatemeh Alinasab-Imani

    (Tarbiat Modares University)

Abstract

Considering the unfortunate intensification of the Non-performing loans in Iran`s credits system makes it vital to study the current system shortcomings. Although many researchers have dealt with it theoretically, employing a critical approach through the different stakeholders’ views will be enlightening. Therefore, with the purpose of a keen revision through a critical approach, the present study scrutinizes the banking credit system according to Critical System Heuristics (CSH) in four issues of motivation, power, and knowledge and legitimation base. The process of perception and reflection of the beneficiaries (hidden) opinions happens using 12-boundary questions, in two forms of “what is” and “what ought to be”. Findings make propositions based on the perception and understanding of the beneficiaries’ boundary judgments (primary judgments about the system) to redesign the credits and facilities system and make key changes in search of common understanding and more efficiency in practice. Ultimately, the Importance-Gap analysis is proposed to prioritize the developed decision options in order to achieve effective and step by step roadmap.

Suggested Citation

  • Mahmoud Dehghan Nayeri & Moein Khazaei & Fatemeh Alinasab-Imani, 2020. "The Critical Heuristics of Iranian Banking Credit System: Analysis of the Antithetical Opinions of the Beneficiaries," Systemic Practice and Action Research, Springer, vol. 33(3), pages 363-392, June.
    • Handle: RePEc:spr:syspar:v:33:y:2020:i:3:d:10.1007_s11213-020-09524-x
    DOI: 10.1007/s11213-020-09524-x
    as

    Download full text from publisher

    File URL: http://link.springer.com/10.1007/s11213-020-09524-x
    File Function: Abstract
    Download Restriction: Access to the full text of the articles in this series is restricted.
    File URL: https://libkey.io/10.1007/s11213-020-09524-x?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. J Rosenhead, 2006. "Past, present and future of problem structuring methods," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 57(7), pages 759-765, July.
    2. Robert S. Pindyck, 1979. "The Structure of World Energy Demand," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262661772, April.
    3. Carin Venter & Roelien Goede, 2017. "The Use of Critical Systems Heuristics to Surface and Reconcile Users' Conflicting Visions for a Business Intelligence System," Systemic Practice and Action Research, Springer, vol. 30(4), pages 407-432, August.
    4. Asli Demeirgüç-Kunt & Ross Levine (ed.), 0. "Finance and Growth," Books, Edward Elgar Publishing, number 17119.
    5. Jackson, Mike C., 2001. "Critical systems thinking and practice," European Journal of Operational Research, Elsevier, vol. 128(2), pages 233-244, January.
    6. Thorsten Beck (ed.), 2009. "Entrepreneurship in Developing Countries," Books, Edward Elgar Publishing, number 13496.
    7. Beck, Thorsten & Levine, Ross & Loayza, Norman, 2000. "Finance and the sources of growth," Journal of Financial Economics, Elsevier, vol. 58(1-2), pages 261-300.
    8. Nir Klein, 2013. "Non-Performing Loans in CESEE: Determinants and Impact on Macroeconomic Performance," IMF Working Papers 2013/072, International Monetary Fund.
    9. L White, 2006. "Evaluating problem-structuring methods: developing an approach to show the value and effectiveness of PSMs," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 57(7), pages 842-855, July.
    10. D Champion & J M Wilson, 2010. "The impact of contingency factors on validation of problem structuring methods," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 61(9), pages 1420-1431, September.
    11. W Ulrich, 2003. "Beyond methodology choice: critical systems thinking as critically systemic discourse," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 54(4), pages 325-342, April.
    12. Mingers, John & White, Leroy, 2010. "A review of the recent contribution of systems thinking to operational research and management science," European Journal of Operational Research, Elsevier, vol. 207(3), pages 1147-1161, December.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Atour Taghipour & Moein Khazaei & Adel Azar & Ali Rajabzadeh Ghatari & Mostafa Hajiaghaei-Keshteli & Mohammad Ramezani, 2022. "Creating Shared Value and Strategic Corporate Social Responsibility through Outsourcing within Supply Chain Management," Sustainability, MDPI, vol. 14(4), pages 1-25, February.
    2. Moein Khazaei & Mohammad Ramezani & Amin Padash & Dorien DeTombe, 2021. "Creating shared value to redesigning IT-service products using SYRCS; Diagnosing and tackling complex problems," Information Systems and e-Business Management, Springer, vol. 19(3), pages 957-992, September.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Yearworth, Mike & White, Leroy, 2014. "The non-codified use of problem structuring methods and the need for a generic constitutive definition," European Journal of Operational Research, Elsevier, vol. 237(3), pages 932-945.
    2. Smith, Chris M. & Shaw, Duncan, 2019. "The characteristics of problem structuring methods: A literature review," European Journal of Operational Research, Elsevier, vol. 274(2), pages 403-416.
    3. Carin Venter & Roelien Goede, 2017. "The Use of Critical Systems Heuristics to Surface and Reconcile Users' Conflicting Visions for a Business Intelligence System," Systemic Practice and Action Research, Springer, vol. 30(4), pages 407-432, August.
    4. Luke Houghton & Larry Crump, 2016. "Temporal Events and Problem Structuring," Systems Research and Behavioral Science, Wiley Blackwell, vol. 33(3), pages 324-340, May.
    5. White, Leroy, 2009. "Understanding problem structuring methods interventions," European Journal of Operational Research, Elsevier, vol. 199(3), pages 823-833, December.
    6. Aleksandra Riedl, 2019. "Household debt in CESEE economies: a joint look at macro- and micro-level data," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q1/19, pages 6-28.
    7. Midgley, Gerald & Cavana, Robert Y. & Brocklesby, John & Foote, Jeff L. & Wood, David R.R. & Ahuriri-Driscoll, Annabel, 2013. "Towards a new framework for evaluating systemic problem structuring methods," European Journal of Operational Research, Elsevier, vol. 229(1), pages 143-154.
    8. David Lowe & Louise Martingale & Mike Yearworth, 2016. "Guiding interventions in a multi-organisational context: combining the Viable System Model and Hierarchical Process Modelling for use as a Problem Structuring Method," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 67(12), pages 1481-1495, December.
    9. Alexandre de A. Gomes Júnior & Vanessa B. Schramm, 2022. "Problem Structuring Methods: A Review of Advances Over the Last Decade," Systemic Practice and Action Research, Springer, vol. 35(1), pages 55-88, February.
    10. Luke Houghton & David Tuffley, 2015. "Towards a Methodology of Wicked Problem Exploration through Concept Shifting and Tension Point Analysis," Systems Research and Behavioral Science, Wiley Blackwell, vol. 32(3), pages 283-297, May.
    11. Annielli A R Cunha & Danielle C Morais, 2016. "Analysing the use of cognitive maps in an experiment on a group decision process," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 67(12), pages 1459-1468, December.
    12. Gutiérrez-Romero, Roxana & Ahamed, Mostak, 2021. "COVID-19 response needs to broaden financial inclusion to curb the rise in poverty," World Development, Elsevier, vol. 138(C).
    13. Lo Turco, Alessia & Maggioni, Daniela & Zazzaro, Alberto, 2019. "Financial dependence and growth: The role of input-output linkages," Journal of Economic Behavior & Organization, Elsevier, vol. 162(C), pages 308-328.
    14. Pradeepta Sethi & Brajesh Kumar, 2014. "Financial structure gap and economic development in India," Journal of Business Economics and Management, Taylor & Francis Journals, vol. 15(4), pages 776-794, September.
    15. Tongurai, Jittima & Vithessonthi, Chaiporn, 2018. "The impact of the banking sector on economic structure and growth," International Review of Financial Analysis, Elsevier, vol. 56(C), pages 193-207.
    16. Massimiliano Affinito, 2011. "Convergence clubs, the euro-area rank and the relationship between banking and real convergence," Temi di discussione (Economic working papers) 809, Bank of Italy, Economic Research and International Relations Area.
    17. Jinyoung Hwang & Jong Ha Lee, 2013. "Financial deepening and business cycle volatility in Korea," Applied Financial Economics, Taylor & Francis Journals, vol. 23(21), pages 1693-1700, November.
    18. Diego Comin & Ramana Nanda, 2019. "Financial Development and Technology Diffusion," IMF Economic Review, Palgrave Macmillan;International Monetary Fund, vol. 67(2), pages 395-419, June.
    19. Gani, Azmat & Scrimgeour, Frank, 2014. "Modeling governance and water pollution using the institutional ecological economic framework," Economic Modelling, Elsevier, vol. 42(C), pages 363-372.
    20. I.Igal Magendzo, 2002. "Are Devaluations Really Contractionary?," Working Papers Central Bank of Chile 182, Central Bank of Chile.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:syspar:v:33:y:2020:i:3:d:10.1007_s11213-020-09524-x. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.