Research Article
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EFFICIENCY ANALYSIS OF SELECTED BANKS IN IRAN: EAST AZERBAIJAN CASE BETWEEN 2013-2016

Year 2019, Volume: 4 Issue: 8, 72 - 90, 28.02.2019
https://doi.org/10.25204/iktisad.484517

Abstract

The
most important principle in firm activities improving is performance
measurement. Financial institutions, especially commercial and specialist
banks, have a great role in the economic and social development of countries.
Therefore, performance analysis of these institutions is of great importance.
The main purpose of this study is to measure the performance efficiency of
eight selected commercial and expert banks in East Azerbaijan province of Iran
between 2013-2016. Data Envelopment Analysis which is based on linear
programming was used as the method in this study. According to the results of
the study, the scale inefficiency was greater than technical inefficiency in
all years and in almost all years the average managerial
efficiency was greater than the average scale efficiency. Therefore, the
problem of not operating the banks at the optimum scale is more severe than the
managerial inefficiency. In this context, banks are advised to use existing
resources more effectively, taking into account scale sizes.

References

  • Abtahi, H. and Kazemi, B. (1996), Productivity, The Institute of Business Studies and Research, Tehran-IRAN. (in Persian Language)
  • Afshar Kazemi, M., Setayesh, M., Mehrabian, S. and Anvari, K. (2006), Assessing the Relative Efficiency of Iran Export Development Bank Branches with Data Envelopment Analysis Model, Bank and Economics Journal, 75, 42-48. (in Persian Language)
  • Alam Tabriz, A., RajabiPour Meybodi, A. and Zareian, M. (2009), Investigating the Function of Fuzzy Topsis Technique to Improve the Evaluation of Branch Efficiency Using DEA Technique, Industrial Management Journal, 1(3), 99-118. (in Persian Language)
  • Alizadeh Sane, N. (1999), Evaluation of Banking System Efficiency Using Data Envelopment Analysis Methodology (Case Study of Saderat Bank), MA Thesis, Azzahra University, Tehran-IRAN. (in Persian Language)
  • Allen R, Athanassopoulos A., Dyson RG, Thanassoulis E (1997). Weight Restrictions and Value Judgements in Data Envelopment Analysis: Evolution, Development and Future Directions. Ann. Oper. Res. 73(13):13-34.
  • Aslani . G. Momeni- S. H.Malek ., A.(2009) Bank efficiency evaluation using a neural network-DEA method . Iranian Journal of Mathematical Sciences and Informatics. 4(2): 33-48.
  • Bauer.P.W ,Berger.A.N ,Ferrier.G and Humphrey.D (1998), Consistency conditions for regulatory analysis of financial institutions ; A Comparison of Frontier Efficiency Methods; Working Paper Series, 02/97. Forthcoming Journal Of Economics And Business.
  • Bauer.p.w, Berger.A.N, Ferrier and Humphrey.D.(1998), Consistency Conditions For Regulatory Analysis of Financial Instiutions: A Comparison of Frontier Efficiency Methods, Journal Of Economics And Business, 50(2): 85-114.
  • Borhani, H. (1998), Measurement of Efficiency in Iranian Commercial Banks and Its Relation with Organizational Dimensions, Lectures and Articles of the 9th Islamic Banking Seminar, Central Bank of Islamic Republic of Iran, Tehran-IRAN. (in Persian Language)
  • Charnes, A.,Cooper, W. and Rhodes, E.l. (1978). Measuring the Efficiency of Decision Making Units, European Journak of Operational Research, 2(6): 429-439.
  • Das A, Ray SC, Nag A (2009). Labor-Use Efficiency in Indian Banking: a Branch-Level Analysis, Omega, 37(2):411-425.
  • Depren, S. and Depren, O. (2016), Measuring Efficiency and Total Factor Productivity using Data Envelopment Analysis: An Empirical Study from Banks of Turkey, International Journal of Economics and Financial Issues, 6(2): 711-717.
  • Ebrahimi, S., Bidram, R. and Emadzadeh, M. (1998), The Efficiency Analysis of Islamic Banks in Different Countries of the World (Using Data Envelopment Analysis), Economic issues, 5(10): 115-136. (in Persian Language)
  • Eken. M.h and Kale. S(2011). Measuring Bank Branch Performance Using Data Envelopment Analysis (DEA): The Case of Turkish Bank Branches. African Journal of Business Management, 5(3): 889-901.
  • Emami Meibodi, A. (2000), Principles of Measuring Efficiency and Productivity, The Institute of Business Studies and Research, Tehran-IRAN. (in Persian Language)
  • Eslami Bidgoli, G. and Kashani, M. (2004). Comparison and Evaluation of Methods for Assessing the Efficiency of Branches and Provide A Suitable Model, Quarterly Journal Of Accounting and Auditing, 11(38): 3-27. (in Persian Language)
  • Farrell, M. j. (1957), The Measurement of Productive Efficiency. Journal of the Royal Statistical Society, 120(3): 253 – 28.
  • Fettahoğlu, S., İnal, M. ve Yaşar, H. (2018) “Türev Ürün Kullanımının Banka Etkinliği İle İlişkisinin Belirlenmesine Yönelik Bir Çalışma”, Verimlilik Dergisi, (2):99-113.
  • Gaganis C, Liadaki A, Doumpos M, Zopounidis C (2009). Estimating and analyzing the efficiency and productivity of bank branches: Evidence from Greece. Manage. Finance, 35(2):202-218.
  • Gilak Hakimabadi, M., Esna Ashari, A. and Ahmadpour, H. (2006), The Study of the Efficiency of Commercial Banks in Iran; Case Study of Mazandaran Saderat Bank, Journal of Economic Research, 3(5): 130-162. (in Persian Language)
  • Giokas DI (2008). Assessing the Efficiency in Operations of a Large Greek Bank Branch Network Adopting Different Economic Behaviors. Econ. Model, 25(3):559–574.
  • Hadian, E. and Azimi Hoseini, A. (2004), Calculation of Efficiency in Iran's Banking System Using Data Envelopment Analysis Method (DEA), Iranian Journal of Economic Research, 6(20): 1-25. (in Persian Language)
  • Haghighat, J. and Nasiri, N. (2003), A Survey on Banking System Efficiency by Data Envelopment Analysis (Case Study: Agricultural Bank), Quarterly Journal of Iranian Economic Research, 3(9): 133-166. (in Persian Language)
  • Hajihassaniasl, S. (2013), Türkiye İmalat Sanayisinde Ölçek Etkileri: Stokastik Metafrontier Analizi, Doktora Tezi, Dokuz Eylül Üniversitesi, Sosyal Bilimler Enstitüsü, Izmir.
  • Hejazi, R., Anvari Rostami, A. and Moghaddasi, M. (2008), Total Productivity Analysis of the Export Development Bank and Productivity Growth of Its Branches Using Data Envelopment Analysis, Industrial Management Journal, 1(1): 39-50. (in Persian Language)
  • Jahan Shabloo. G. and Alirezaee, M. (1995), Tutorial on Data Envelopment Analysis Proceeding of 28th Amic, Tabrize University, march 28-30, Tabriz-IRAN.
  • Jalali, A. and Rashidi Sharifabadi, A. (2007), Deviation of Exchange Rate from Equilibrium and Productivity Growth in Iran's Agricultural Sector, Sixth Congress of Agricultural Economics of Iran, Mashad University, Mashad-IRAN. (in Persian Language)
  • Kordbache, H. (2010), Multi-Purpose Efficiency Analysis Method: A Case Study of the Performance of the Iranian Banking System, Iranian Journal of Economic Research, 45(93): 133-158. (in Persian Language)
  • Meepadung N, Tang JCS, Khan DB (2009). IT-based banking services: Evaluating operating and profit efficiency at bank branches. J. High Technol. Manage. Res., 20(2):145-152.
  • Namazi M, Salehi M (2010). The Role of Inflation in Financial Repression: Evidence of Iran. World Appl. Sci. J., 11(6): 653-661.
  • Namazi, M. and Ebrahimi, SH. (2010), Assessment of the Efficiency of Iranian Banks Using Stage Method DEA, Industrial Management Journal, 2(5): 159-174. (in Persian Language)
  • Nasiri, N. (2004), Assessment of the Efficiency of the Banking System Using Data Envelopment Analysis (A Case Study of the Agricultural Bank), MA Thesis, Tabriz Azad University, Tabriz-IRAN. (in Persian Language)
  • Oral, M and Yolalan.R (1990) An Empirical Study on Measuring Operating Efficiency and Profiability of Bank Branches ; European Journal of Operational Research,46(3): 282-298.
  • Paradi JC, Rouattb S, Zhu H (2010) Two-stage Evaluation of Bank Branch Efficiency Using Data Envelopment Analysis. Omega. 39(1):99-109.
  • Rezaee, J., Soltani, H. and Tavakkoli Baghdadabad, M. (2009), Evaluation of Total Factor Productivity Changes in Iran's Commercial Banks Using Malmquist Index, Quarterly Journal of Commercial Research, 48: 69-102. (in Persian Language)
  • Salehi M, Yousefi Z (2011). Factors Affecting to Entrepreneurship in Banking Sector: Empirical Evidence of Iran. International Journal of Academic Research, 3(2): 916-921.
  • Saremi, M. and Khoveyni, A. (2004), Determining and Predicting the Efficiency of Mellat Bank Branches in Qazvin Province by Using Randomized Data Envelopment Analysis, Journal of Management Knowledge, 17(64): 107-126. (in Persian Language)
  • Shammari ,M and Salimi , A (1998) Modeling the Operating Efficiency of Banks Nonparametric Methodology; Logistics Information Management, 11(1): 5-17.
  • Sherman .H. and F. Gold. )1985( :Bank branch operating efficiency: Evaluation with data envelopment analysis. Journal of Banking and Finance, 9: 297-315.
  • Sherman H, Ladino G (1995). Managing Bank Productivity Using Data Envelopment Analysis, Interfaces, 25(2): 60–73.
  • Sherman H, Zhu J (2006). Service Productivity Management Improving Service Performance Using Data Envelopment Analysis (DEA), Springer, USA.
  • Soteriou A, Zenios SA. (1999), Operations, Quality, and Profitability in the Provision of Banking Services, Management Sciences, 45(9): 1221–1238.
  • Svitalkova, Z. (2014), Comparison and evaluation of bank efficiency in selected countries in EU, Procedia Economics and Finance, 12(2014): 644 – 653.
  • Titko, J., Stankevičienė, J. and Lace, N. (2014), Measuring Bank Efficiency: DEA Application, Technological and Economic Development of Economy, 20(4): 739–757.
  • Worthington A. C. (1998), The Application of Mathematical Programming Techniques to Financial Statement Analysis: Australian Gold Production and Exploration. Australian Journal of Management, 23(1): 97-113.
  • Yang Z. (2009), Bank Branch Operating Efficiency A DEA Approach. Proceed. Int. Multi Conf. Eng. Computer. Sci., Vol II.
  • Zara Nejad, M. and Yousefi HajiAbad, R. (2010), Assessing the Productivity of Maskan Bank Factors Using Malmquist Productivity Index, Quarterly Journal of Money and Economics, 2: 117-144. (in Persian Language)

İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ

Year 2019, Volume: 4 Issue: 8, 72 - 90, 28.02.2019
https://doi.org/10.25204/iktisad.484517

Abstract

Firma faaliyetlerinin
iyileşmesindeki en önemli ilke, performans ölçümüdür. Finansal kurumlar ve
özellikle ticari ve uzman bankaların, ülkelerin ekonomik ve toplumsal
gelişmelerindeki rolleri çok büyüktür. Bu nedenle, bu kurumların performans
analizi de çok büyük önem arz etmektedir. Bu çalışmanın temel amacı 2013-2016
yıllar arası İran’ın Doğu Azerbaycan ilindeki seçilmiş sekiz ticari ve uzman bankanın
performans etkinliğini ölçmektir. Çalışmada yöntem olarak doğrusal programlama
temelli olan Veri Zarflama Analizi kullanılmıştır. Çalışmanın sonuçlarına göre,
incelenen bütün yıllarda, ölçek etkinsizliği, teknik etkinsizlikten daha büyük
olup ve hemen hemen bütün yıllarda ortalama yönetimsel etkinlik ortalama ölçek
etkinlikten daha büyük olmuştur. Bu nedenle incelenen bankaların optimum
ölçekte faaliyet yapmama problemi, yönetimsel etkinsizlikten daha şiddetlidir
sonucu ortaya çıkmıştır. Bu bağlamda, bankalar ölçek büyüklüklerini dikkate
alarak, mevcut kaynakları daha etkin bir şekilde kullanılmaları önerilmektedir.

References

  • Abtahi, H. and Kazemi, B. (1996), Productivity, The Institute of Business Studies and Research, Tehran-IRAN. (in Persian Language)
  • Afshar Kazemi, M., Setayesh, M., Mehrabian, S. and Anvari, K. (2006), Assessing the Relative Efficiency of Iran Export Development Bank Branches with Data Envelopment Analysis Model, Bank and Economics Journal, 75, 42-48. (in Persian Language)
  • Alam Tabriz, A., RajabiPour Meybodi, A. and Zareian, M. (2009), Investigating the Function of Fuzzy Topsis Technique to Improve the Evaluation of Branch Efficiency Using DEA Technique, Industrial Management Journal, 1(3), 99-118. (in Persian Language)
  • Alizadeh Sane, N. (1999), Evaluation of Banking System Efficiency Using Data Envelopment Analysis Methodology (Case Study of Saderat Bank), MA Thesis, Azzahra University, Tehran-IRAN. (in Persian Language)
  • Allen R, Athanassopoulos A., Dyson RG, Thanassoulis E (1997). Weight Restrictions and Value Judgements in Data Envelopment Analysis: Evolution, Development and Future Directions. Ann. Oper. Res. 73(13):13-34.
  • Aslani . G. Momeni- S. H.Malek ., A.(2009) Bank efficiency evaluation using a neural network-DEA method . Iranian Journal of Mathematical Sciences and Informatics. 4(2): 33-48.
  • Bauer.P.W ,Berger.A.N ,Ferrier.G and Humphrey.D (1998), Consistency conditions for regulatory analysis of financial institutions ; A Comparison of Frontier Efficiency Methods; Working Paper Series, 02/97. Forthcoming Journal Of Economics And Business.
  • Bauer.p.w, Berger.A.N, Ferrier and Humphrey.D.(1998), Consistency Conditions For Regulatory Analysis of Financial Instiutions: A Comparison of Frontier Efficiency Methods, Journal Of Economics And Business, 50(2): 85-114.
  • Borhani, H. (1998), Measurement of Efficiency in Iranian Commercial Banks and Its Relation with Organizational Dimensions, Lectures and Articles of the 9th Islamic Banking Seminar, Central Bank of Islamic Republic of Iran, Tehran-IRAN. (in Persian Language)
  • Charnes, A.,Cooper, W. and Rhodes, E.l. (1978). Measuring the Efficiency of Decision Making Units, European Journak of Operational Research, 2(6): 429-439.
  • Das A, Ray SC, Nag A (2009). Labor-Use Efficiency in Indian Banking: a Branch-Level Analysis, Omega, 37(2):411-425.
  • Depren, S. and Depren, O. (2016), Measuring Efficiency and Total Factor Productivity using Data Envelopment Analysis: An Empirical Study from Banks of Turkey, International Journal of Economics and Financial Issues, 6(2): 711-717.
  • Ebrahimi, S., Bidram, R. and Emadzadeh, M. (1998), The Efficiency Analysis of Islamic Banks in Different Countries of the World (Using Data Envelopment Analysis), Economic issues, 5(10): 115-136. (in Persian Language)
  • Eken. M.h and Kale. S(2011). Measuring Bank Branch Performance Using Data Envelopment Analysis (DEA): The Case of Turkish Bank Branches. African Journal of Business Management, 5(3): 889-901.
  • Emami Meibodi, A. (2000), Principles of Measuring Efficiency and Productivity, The Institute of Business Studies and Research, Tehran-IRAN. (in Persian Language)
  • Eslami Bidgoli, G. and Kashani, M. (2004). Comparison and Evaluation of Methods for Assessing the Efficiency of Branches and Provide A Suitable Model, Quarterly Journal Of Accounting and Auditing, 11(38): 3-27. (in Persian Language)
  • Farrell, M. j. (1957), The Measurement of Productive Efficiency. Journal of the Royal Statistical Society, 120(3): 253 – 28.
  • Fettahoğlu, S., İnal, M. ve Yaşar, H. (2018) “Türev Ürün Kullanımının Banka Etkinliği İle İlişkisinin Belirlenmesine Yönelik Bir Çalışma”, Verimlilik Dergisi, (2):99-113.
  • Gaganis C, Liadaki A, Doumpos M, Zopounidis C (2009). Estimating and analyzing the efficiency and productivity of bank branches: Evidence from Greece. Manage. Finance, 35(2):202-218.
  • Gilak Hakimabadi, M., Esna Ashari, A. and Ahmadpour, H. (2006), The Study of the Efficiency of Commercial Banks in Iran; Case Study of Mazandaran Saderat Bank, Journal of Economic Research, 3(5): 130-162. (in Persian Language)
  • Giokas DI (2008). Assessing the Efficiency in Operations of a Large Greek Bank Branch Network Adopting Different Economic Behaviors. Econ. Model, 25(3):559–574.
  • Hadian, E. and Azimi Hoseini, A. (2004), Calculation of Efficiency in Iran's Banking System Using Data Envelopment Analysis Method (DEA), Iranian Journal of Economic Research, 6(20): 1-25. (in Persian Language)
  • Haghighat, J. and Nasiri, N. (2003), A Survey on Banking System Efficiency by Data Envelopment Analysis (Case Study: Agricultural Bank), Quarterly Journal of Iranian Economic Research, 3(9): 133-166. (in Persian Language)
  • Hajihassaniasl, S. (2013), Türkiye İmalat Sanayisinde Ölçek Etkileri: Stokastik Metafrontier Analizi, Doktora Tezi, Dokuz Eylül Üniversitesi, Sosyal Bilimler Enstitüsü, Izmir.
  • Hejazi, R., Anvari Rostami, A. and Moghaddasi, M. (2008), Total Productivity Analysis of the Export Development Bank and Productivity Growth of Its Branches Using Data Envelopment Analysis, Industrial Management Journal, 1(1): 39-50. (in Persian Language)
  • Jahan Shabloo. G. and Alirezaee, M. (1995), Tutorial on Data Envelopment Analysis Proceeding of 28th Amic, Tabrize University, march 28-30, Tabriz-IRAN.
  • Jalali, A. and Rashidi Sharifabadi, A. (2007), Deviation of Exchange Rate from Equilibrium and Productivity Growth in Iran's Agricultural Sector, Sixth Congress of Agricultural Economics of Iran, Mashad University, Mashad-IRAN. (in Persian Language)
  • Kordbache, H. (2010), Multi-Purpose Efficiency Analysis Method: A Case Study of the Performance of the Iranian Banking System, Iranian Journal of Economic Research, 45(93): 133-158. (in Persian Language)
  • Meepadung N, Tang JCS, Khan DB (2009). IT-based banking services: Evaluating operating and profit efficiency at bank branches. J. High Technol. Manage. Res., 20(2):145-152.
  • Namazi M, Salehi M (2010). The Role of Inflation in Financial Repression: Evidence of Iran. World Appl. Sci. J., 11(6): 653-661.
  • Namazi, M. and Ebrahimi, SH. (2010), Assessment of the Efficiency of Iranian Banks Using Stage Method DEA, Industrial Management Journal, 2(5): 159-174. (in Persian Language)
  • Nasiri, N. (2004), Assessment of the Efficiency of the Banking System Using Data Envelopment Analysis (A Case Study of the Agricultural Bank), MA Thesis, Tabriz Azad University, Tabriz-IRAN. (in Persian Language)
  • Oral, M and Yolalan.R (1990) An Empirical Study on Measuring Operating Efficiency and Profiability of Bank Branches ; European Journal of Operational Research,46(3): 282-298.
  • Paradi JC, Rouattb S, Zhu H (2010) Two-stage Evaluation of Bank Branch Efficiency Using Data Envelopment Analysis. Omega. 39(1):99-109.
  • Rezaee, J., Soltani, H. and Tavakkoli Baghdadabad, M. (2009), Evaluation of Total Factor Productivity Changes in Iran's Commercial Banks Using Malmquist Index, Quarterly Journal of Commercial Research, 48: 69-102. (in Persian Language)
  • Salehi M, Yousefi Z (2011). Factors Affecting to Entrepreneurship in Banking Sector: Empirical Evidence of Iran. International Journal of Academic Research, 3(2): 916-921.
  • Saremi, M. and Khoveyni, A. (2004), Determining and Predicting the Efficiency of Mellat Bank Branches in Qazvin Province by Using Randomized Data Envelopment Analysis, Journal of Management Knowledge, 17(64): 107-126. (in Persian Language)
  • Shammari ,M and Salimi , A (1998) Modeling the Operating Efficiency of Banks Nonparametric Methodology; Logistics Information Management, 11(1): 5-17.
  • Sherman .H. and F. Gold. )1985( :Bank branch operating efficiency: Evaluation with data envelopment analysis. Journal of Banking and Finance, 9: 297-315.
  • Sherman H, Ladino G (1995). Managing Bank Productivity Using Data Envelopment Analysis, Interfaces, 25(2): 60–73.
  • Sherman H, Zhu J (2006). Service Productivity Management Improving Service Performance Using Data Envelopment Analysis (DEA), Springer, USA.
  • Soteriou A, Zenios SA. (1999), Operations, Quality, and Profitability in the Provision of Banking Services, Management Sciences, 45(9): 1221–1238.
  • Svitalkova, Z. (2014), Comparison and evaluation of bank efficiency in selected countries in EU, Procedia Economics and Finance, 12(2014): 644 – 653.
  • Titko, J., Stankevičienė, J. and Lace, N. (2014), Measuring Bank Efficiency: DEA Application, Technological and Economic Development of Economy, 20(4): 739–757.
  • Worthington A. C. (1998), The Application of Mathematical Programming Techniques to Financial Statement Analysis: Australian Gold Production and Exploration. Australian Journal of Management, 23(1): 97-113.
  • Yang Z. (2009), Bank Branch Operating Efficiency A DEA Approach. Proceed. Int. Multi Conf. Eng. Computer. Sci., Vol II.
  • Zara Nejad, M. and Yousefi HajiAbad, R. (2010), Assessing the Productivity of Maskan Bank Factors Using Malmquist Productivity Index, Quarterly Journal of Money and Economics, 2: 117-144. (in Persian Language)
There are 47 citations in total.

Details

Primary Language Turkish
Subjects Economics
Journal Section Research Papers
Authors

Saeid Hajıhassanıasl 0000-0003-2127-5604

Nasser Nasırı This is me 0000-0003-4858-6971

Publication Date February 28, 2019
Submission Date November 17, 2018
Published in Issue Year 2019 Volume: 4 Issue: 8

Cite

APA Hajıhassanıasl, S., & Nasırı, N. (2019). İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ. İktisadi İdari Ve Siyasal Araştırmalar Dergisi, 4(8), 72-90. https://doi.org/10.25204/iktisad.484517
AMA Hajıhassanıasl S, Nasırı N. İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ. JEBUPOR. February 2019;4(8):72-90. doi:10.25204/iktisad.484517
Chicago Hajıhassanıasl, Saeid, and Nasser Nasırı. “İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ”. İktisadi İdari Ve Siyasal Araştırmalar Dergisi 4, no. 8 (February 2019): 72-90. https://doi.org/10.25204/iktisad.484517.
EndNote Hajıhassanıasl S, Nasırı N (February 1, 2019) İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ. İktisadi İdari ve Siyasal Araştırmalar Dergisi 4 8 72–90.
IEEE S. Hajıhassanıasl and N. Nasırı, “İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ”, JEBUPOR, vol. 4, no. 8, pp. 72–90, 2019, doi: 10.25204/iktisad.484517.
ISNAD Hajıhassanıasl, Saeid - Nasırı, Nasser. “İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ”. İktisadi İdari ve Siyasal Araştırmalar Dergisi 4/8 (February 2019), 72-90. https://doi.org/10.25204/iktisad.484517.
JAMA Hajıhassanıasl S, Nasırı N. İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ. JEBUPOR. 2019;4:72–90.
MLA Hajıhassanıasl, Saeid and Nasser Nasırı. “İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ”. İktisadi İdari Ve Siyasal Araştırmalar Dergisi, vol. 4, no. 8, 2019, pp. 72-90, doi:10.25204/iktisad.484517.
Vancouver Hajıhassanıasl S, Nasırı N. İRAN’DA SEÇİLMİŞ BANKALARIN ETKİNLİK ANALİZİ: 2013-2016 DOĞU AZERBAYCAN ÖRNEĞİ. JEBUPOR. 2019;4(8):72-90.

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