Examining ways to increase debtors incentives to repay debt (case study of the Refah Bank of East Azerbaijan province)

Hedayat Hosseinzadeh¹ Mehdi Hooshmand² Jahan Ranjbari³

1) Assistant Professor, Department of Economics, Payame Noor University, Iran
2) Master student of Economics and Electronic Commerce, Payame Noor University, Tabriz Center -
3) Graduate of Financial Engineering, Ahar Azad University -

IOI Code : XDFG-FCAZZ
Publication : 3 rd Conference on Industrial Engineering, Economics and Management (iemconf.com)
Abstract :
    Abstract The purpose of this study is to investing ate the methods of increasing the motivation of debtors repay debt in the East Azerbaijan Refah Bank. This research is Applied in terms of purpose and descriptive in terms of nature and method. The statistical population of this study includes 415 employees and customers of Refah Bank of east Azerbaijan province. The number of statistical samples based on Cochran-orkut has been obtained for 200 employees and 380 customers. Data collection tools in this research include a researcher-made questionnaire. To evaluate the validity of the questionnaires the views of university professors and experts have been used and to evaluate their reliability Cronbach s alpha coefficient test has been used the validity and reliability of which are appropriate. One sample t-test and Friedman test were used to analyze the research questions. The finding showed that the indicators increasing the motivation of debtors to repay debts in the Refah Bank if east Azerbaijan province from the perspective of Refah Bank employees, includes the index of crimes of good behavior, high sense of civic citizenship and installments of their debts and indicators to increase the motivation of debtors to repay debt in the Refah Bank of east Azerbaijan province from the perspective of Refah Bank customers, including indicators of forgiveness of crimes good behavior ,high sense of civic compliance with the law. Also based on the prioritization of the crim forgiveness (56/4) has the first priority debt installment (28/4) second priority, high civilation population (87/3) good behavior (86/3) observance of law (70/2) and observance of law (70/2) and increase the credit (73/1) are in the next priorities.

Keywords : increasing the motivation of debtors debt repayment forgiveness of crimes good behavior