بررسی عوامل تأثیرگذار بر سواد مالی اسلامی با استفاده از تکنیک دنپ

نوع مقاله : علمی - پژوهشی (تئوری مالی اسلامی)

نویسندگان

1 دانش‌آموخته دکترای مدیریت مالی، دانشگاه تهران، تهران، ایران

2 استادیار گروه آموزشی مدیریت بازرگانی، دانشگاه بجنورد، بجنورد، ایران

3 استادیار گروه مدیریت، دانشگاه میبد،‌ میبد، ایران

10.30497/ifr.2022.242426.1690

چکیده

سواد مالی به‌عنوان یکی از سرمایه‌های انسانی محسوب می‌شود که در تأثیرگذاری بر رفتار مالی نقش مهمی دارد. لزوم توسعه محصولات مالی اسلامی، تقویت سواد مالی اسلامی است تا از تصمیم‌گیری‌های مالی مردم حمایت شود. هدف این مقاله شناسایی و تحلیل مهم‌ترین عوامل مؤثر بر سواد مالی اسلامی در کشور جمهوری اسلامی ایران با استفاده از تکنیک دنپ (دیمتل مبتنی‌بر فرآیند تحلیل شبکه‌ای)[i] است؛ بنابراین ابتدا با استفاده از مطالعه آرشیو و بررسی دقیق منابع مختلف مهم‌ترین عوامل مؤثر بر سواد مالی اسلامی شناسایی شد. سپس این عوامل به­منظور رتبه‌بندی در قالب یک پرسشنامه مقایسه زوجی در اختیار خبرگان -شامل اساتید دانشگاه و کارشناسان بازارهای مالی اسلامی- قرار داده شد و درنهایت 5 مورد از مهم‌ترین این عوامل مورد تحلیل قرار گرفت. نتایج حاصل از مقاله نشان می‌دهد که عوامل اجتماعی دارای بیشترین اهمیت است. همچنین نگرش مالی اسلامی، فرهنگ، تعلقات مذهبی، دوستان و همسالان و دانش مالی اسلامی مهم‌ترین زیر عوامل مؤثر بر سواد مالی اسلامی در جمهوری اسلامی ایران است.

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  • تاریخ دریافت: 11 دی 1400
  • تاریخ بازنگری: 22 بهمن 1400
  • تاریخ پذیرش: 17 اسفند 1400
  • تاریخ اولین انتشار: 17 اسفند 1400