Identifying and ranking strategies to improve the access of Small and medium-sized enterprises to banking services in Iran

Document Type : Research Paper


1 Department of Technology Management, Faculty of Management College of Alborz, University of Tehran, Tehran, Iran.

2 Management faculty, Imam Sadiq University, Tehran, Iran

3 Department of Industrial Management, Faculty of Islamic Studies and Management, Imam Sadegh (AS) University, Tehran, Iran.


The development of small and medium-sized businesses is an important factor in the economic development of countries, and all economists agree on the importance of this issue in the prosperity of production and economic growth. However, despite the great importance of these businesses in the economy, their lack of proper access to financial resources is recognized as one of the most important obstacles to the growth of this type of business. There are different ways to finance small and medium-sized businesses, but due to the bank-based structure of the Iranian economy and the lack of development of alternative financial instruments, banks still play a pivotal role in financing these businesses. The main issue of this research is to provide solutions to facilitate the access of small and medium businesses to Iranian banking services and then prioritize these strategies. The present study is descriptive-survey based on the applied purpose and based on the data collection method. In the present study, while examining global experiences and scientific resources related to the subject and also using the opinion of banking and entrepreneurship experts, 38 strategies to improve the access of small and medium businesses to banking services were identified and analyzed by content analysis method, then by TOPSIS method Were prioritized.


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