Indian Journal of Science and Technology

Abstract

The objective of this research is to study the effective factors of financing bank assets through the absorption of operational resources in banks and financial institutions and to present a suitable scientific strategy for using factors which affect the absorption of resources in a way that the goal of gaining profit is achieved. The time period of the present research was 2006-2008. Of all the factors affecting the absorption of resources, three have been chosen for this article based on which three hypotheses have been put forward as follows: 1) There is a significant difference between the amount of resources in branches with high quality services and branches with low quality services. 2) There is a relationship between facilities granted in a banking system and the resources absorption level. 3) There is a significant difference between the amount of resources in branches equipped with electronic services and branches which lack these services. The statistical population of the present research was all Sepah banks in the country, while its statistical sample included all Sepah bank branches in Guilan province. Data collection was done through the library method and the tool for collecting information for the questionnaire was interviewing the personnel and using bank documents. The method used for analyzing data in the first and third hypotheses was t-test, while for the second hypothesis, the analysis was done using Pearson correlation coefficient and SPSS software. In the end, all three hypotheses mentioned above were confirmed.
Keywords: Absorption of Resources, Electronic Services, Granted Facilities, Operational Resources, Quality of Services