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Conceptual analysis of socially responsible banking and identification of its requirements from the perspective of human resources in the Iraqi banking sector using the interpretive structural modeling (ISM) approach and innovation diffusion analysis (Rogers)
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Haider Yousif Ibrahim Al-Zuhairi1   , Seyed Hossein Kazemi *2 , Mahdi Mortazavi3 |
1- PhD student Department of Public Management, Faculty of Management and Economics, Tarbiat Modares University, Tehran, Iran
2- Assistant Professor, Department of Management, Faculty of Economics and Management, Tarbiat Modares University, Tehran, Iran , h.kazemi@modares.ac.ir
3- Associate Professor, Department of Management, Faculty of Economics and Management, Tarbiat Modares University, Tehran, Iran |
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Abstract: (14 Views) |
Objective: The present study aims to conceptually analyze socially responsible banking and identify its requirements from the perspective of human resources in the Iraqi banking sector, with an emphasis on causal relationships and the leveling of these requirements.
Methodology: This study is applied in terms of purpose and descriptive-survey with a mixed approach in terms of method. In the qualitative part, ten key requirements of socially responsible banking were identified using a systematic review of 23 internationally recognized articles and semi-structured interviews with 15 experts in the Iraqi banking industry. The interpretive structural modeling (ISM) method was used to analyze the data. After forming the structural interaction matrix (SSIM), the initial and final access matrix, the iterative leveling process and MICMAC analysis were performed. Also, to predict the diffusion rate of this approach in the Iraqi banking system, a conceptual analysis based on Rogers's theory of diffusion of innovation was used.
Findings: The results showed that the requirements of socially responsible banking can be classified in a five-level hierarchical structure. At the lowest level (Level V), sustainability competency training and development (F2) and green human resource management (F6) interrelate to form the basic infrastructure. At Level IV, responsible organizational culture (F3) and employee participation (F7) interrelate to create soft and cultural platforms. At Level III, sustainability-based evaluation and reward system (F5) and responsible transparency and reporting system (F9) act as operational mechanisms. At Level II, senior management commitment (F1), integration of sustainability into strategy (F4) and social and environmental risk management (F8) are strategic requirements. At the highest level (Level I), alignment of organizational structures and processes (F10) is positioned as the final outcome of fully institutionalizing responsible banking. MICMAC analysis showed that most factors are located in the linked quadrant, which indicates high complexity and intertwining of requirements. Rogers’ analysis also indicates a medium to low and slow diffusion rate (5 to 10 years) for socially responsible banking in Iraq with a score of 52%.
Conclusion: Promoting socially responsible banking in the Iraqi banking sector requires a phased and hierarchical approach that begins with establishing basic infrastructure (training and green human resource management), then continues with developing cultural platforms (culture and participation), establishing operational mechanisms (assessment and transparency), fulfilling strategic requirements (management commitment, strategy and risk), and ultimately leading to full alignment of structures and processes. The presented model can be an operational roadmap for Iraqi banking policymakers to prioritize resources and make effective decisions. |
Article number: 4 |
| Keywords: Socially Responsible Banking, Human Resources, Interpretive Structural Modeling (ISM), MICMAC Analysis, Rogers', Diffusion of Innovation Theory, Iraqi Banking |
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Full-Text [PDF 719 kb]
(6 Downloads)
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Article type: Research |
Subject:
General
Received: 2026/05/21 | Accepted: 2026/08/23 | Published: 2026/11/11
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