Document Type : Original Article
M.A., Islamic Azad University, Science and Research Branch, Iran
Assistant Professor of Economics, Gonbad Kavous University, Iran
The present study seeks to evaluate and analyse the performance of Bank Saderat in transferring microcredit to low-income groups in Tehran. The statistical population in this study are the managers of Bank Saderat branches in Tehran who have been monitored and collected idata during the years 2017-2018. The sampling method in this study is multi-stage. Based on Cochran's formula, the statistical sample in this study is 215 people. Also, standard questionnaires have been used to collect the necessary data in this research. The research method is descriptive-correlation and in terms of purpose is in the category of empirical research. Spearman correlation, sample t-test, Friedman and paired t-student tests were used to test the hypotheses. According to the results of the hypothesis test, based on the Spearman correlation test, there is a positive and significant relationship between value, financial, internal work processes, growth and learning. Also, according to the sample t-test, value, financial, internal work processes, growth and learning at 95% confidence level, had an average lower than 3 (mid-Likert spectrum), and therefore did not have a desired state. On the other hand, according to Friedman test, value index is of the highest importance and financial indicators, internal work processes and growth and learning are the next priorities. Finally, the results of paired t-student test also showed that there is a significant gap between the current and the desired state of micro-credit transfer indicators.