The role of moral (social) crisis in the sales crisis in Iran's banking industry
Subject Areas : Ethics and Islamic EducationRozita Shahbaz Keshvari 1 , Reza Salehzadeh 2 * , Amir Khanlori 3
1 - PhD student of Crisis Management, Department of Management, Shahid Ashrafi Esfahani University, Isfahan, Iran.
2 - Assistant Professor, Department of Management, University of Isfahan, Isfahan, Iran
3 -
Keywords: moral (social) crisis, moral responsibility, sales crisis, banking risk, ethics,
Abstract :
Although the country's banking system is committed to the implementation of upstream documents and has always tried to implement its coded ethical charters, a favorable proposal to promote ethical responsibility in banks and further institutionalize this useful and effective culture in the country's banking system is that the central bank By compiling a set of ethical codes, present them to the banking network for implementation. Compilation and notification of these codes and in the continuation of monitoring and evaluation and rating of banks will be able to create competition among banks in conducting ethical activities to obtain top ratings. Therefore, the aim of this research is to investigate the role of moral (social) crisis in the sales crisis in Iran's banking industry. The current research is of a qualitative type using thematic analysis method. In order to identify the role of moral (social) crisis on the banking sales crisis, we tried to extract the factors that form the moral (social) crisis that are effective on the banking sales crisis. The sampling method was purposeful and judgmental. In this judgmental purposeful sampling, our intention is to select cases that have a lot of information according to the purpose of the research, so semi-structured interviews were conducted with 15 people from the banking community (R&D managers and corporate banking managers of private commercial banks). . To check the qualitative sample size, we used the theoretical sampling method until the data saturation stage. The factors shaping the moral (social) crisis that are effective on the bank sales crisis were extracted in the form of 2 main themes, 2 sub-themes and 21 concepts. The findings showed that the influential components of the moral (social) crisis that lead to the bank sales crisis are: social factors and internal (moral) drivers. The results showed social factors such as changing expectations and changing attitudes of investors and customers, high unemployment rate and decreasing social capital of banks (lack of trust in banks due to lack of attention to issues important to people (economic and political, etc.)) in addition to moral factors such as Internal banking corruption among employees in relation to customers, improper communication with customers and customers' dissatisfaction with banking services, unethical behavior that is only in line with economic logic, and lack of lending based on trust are the most frequent factors in the aggravation of the banking sales crisis.
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