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:: Volume 14, Issue 53 (1-2026) ::
mieaoi 2026, 14(53): 379-411 Back to browse issues page
Identifying Implementation Strategies of Credit Policies in the Country's Qard Al-Hasan Banks Based on Content Analysis Method
Mohammad Mahdi Gholami1 , Ali Farhadi Mahalli2 , Alireza Matoufi3 , Hossein Aryaeinezhad4
1- Department of Public Administration, Go.C., Islamic Azad University, Gorgan, Iran
2- Department of Public Administration, Go.C., Islamic Azad University, Gorgan, Iran (Corresponding Author) , alifarhadi@iau.ac.ir
3- Department of Management, Go.C., Islamic Azad University, Gorgan, Iran
4- Department of Accounting, Go.C., Islamic Azad University, Gorgan, Iran
Abstract:   (2 Views)

The purpose of the current research is identifying implementation strategies of credit policies in the country's Qard Al-Hasan Banks. The current research is based on interpretive paradigm and its nature is exploratory-descriptive and in terms of the purpose, it is also included in the category of applied research. In order to obtain data, a qualitative method was used. The statistical population of the research is scientific experts and executive-management experts. The data collection tools were semi-structured interview, library studies and literature review. By using non-probability targeted sampling method, 15 exploratory and in-depth interviews were conducted with experts. To analysis the data, the method of content analysis and MAXQDA20 software was used. A multilevel diagram of the relationships between the exploratory themes of research (strategies for implementation of credit policies) was extracted with 113 basic themes, 15 organizing themes, and 3 comprehensive themes (legal strategies, implementation strategies, and control strategies). Credit policies based on the bank's directions, priorities, principles and goals are known as an important and integral part of a bank's macro policies, and using the strategies presented in this research will be effective in implementation of credit policies.

Article number: 14
Keywords: Credit Policy, Policy Implementation, Qard Al-Hasan Bank, Strategy
Full-Text [PDF 1179 kb]   (2 Downloads)    
Article type: Research | Subject: Special
Received: 2025/06/24 | Accepted: 2025/09/20 | Published: 2026/01/30
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Gholami M M, Farhadi Mahalli A, Matoufi A, Aryaeinezhad H. Identifying Implementation Strategies of Credit Policies in the Country's Qard Al-Hasan Banks Based on Content Analysis Method. mieaoi 2026; 14 (53) : 14
URL: http://mieaoi.ir/article-1-1827-en.html


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Volume 14, Issue 53 (1-2026) Back to browse issues page
نشریه اقتصاد و بانکداری اسلامی Islamic Economics and Banking
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