"Islamic Finance Researches" (IFR)
The mental model of the beneficiaries of Qarz al-Hasneh in Iran's Qarz al-Hasneh Mehr Bank
Document Type : Science - Research (Islamic Banking)
Authors
1 Emam Hossein university
2 *Corresponding Author . Department of Accounting Imam Hossein university ,Tehran . Iran.
3 استاد یاردانشکده مدیریت، دانشگاه جامع امام حسین(ع)، تهران، ایران
Abstract
A loan has always been used as one of the financing tools to provide the resources needed by the borrower, and at the same time, paying the loan as a loan has been deeply encouraged and usury has been condemned. The present study was conducted with the aim of identifying the mental patterns of the beneficiaries of Qarz al-Hasneh Bank in Iran's Qarz Al-Hosneh Mehr Bank. In terms of practical purpose, the research was an exploratory mixed method in terms of execution method. A semi-structured interview (qualitative) was used to identify the expressions of the discourse space, and factor analysis method and Q method (quantitative method) were used to identify the patterns.. Due to the fact that the purpose of this research is to know the mental patterns of the beneficiaries regarding Qarz al-Hasnah loans, Q method was used. The statistical population of this research was made up of all the beneficiaries of Qarz Al-Hasna Mehr Bank in Qom, 30 of whom were selected to interview and answer 12 semi-structured questions made by the researcher.The analysis of the obtained results shows that the beneficiaries of Qarz al-Hasneh Mehr Iran had 7 different mental patterns, which include quality orientation, recommendation orientation, modernity, habit orientation, trust orientation, spiritual orientation and perceived value, and only one of these mental patterns is orientation Manavi was compatible with the main goal of this bank, which is to expand the loan services. Based on the results obtained, only 10% of the beneficiaries had the mental model of spiritual tendencies, which was a very low percentage and caused this model to be in the last place in the ranking of mental models.
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