ارایه مدل تامین مالی صنایع کوچک و متوسط و بررسی مشکلات و راهکارها

فصلنامه مدیریت راهبردی در سیستم های صنعتی (مدیریت صنعتی سابق)

دوره 18، شماره 64، مرداد 1402، صفحه 79-98   

نوع مقاله: مقاله پژوهشی

شناسه دیجیتال (DOI): 10.30495/imj.2023.1985518.1842

نویسندگان

صادق رضایی منفرد¹؛ سید جواد ایرانبان^{* 2}؛ رضا رادفر³؛ علی حاجیها⁴

¹دانشجوی دکتری مدیریت صنعتی، واحد علوم و تحقیقات، دانشگاه آزاد اسلامی، تهران، ایران

²دانشیار، گروه مدیریت صنعتی، واحد شیراز، دانشگاه آزاد اسلامی، شیراز، ایران

³مدیریت تکنولوژی، دانشکده مدیریت و اقتصاد، دانشگاه آزاد اسلامی واحد علوم و تحقیقات، تهران، ایران

⁴استاد یار، گروه مدیریت صنعتی، واحد تهران شمال، دانشگاه آزاد اسلامی، تهران، ایران

چکیده

چکیده
تامین مالی همواره یکی از چالش‌های اصلی ایجاد و توسعه کسب‌و‌کارهای نوپا و صنایع کوچک اقتصادی بوده است. لذا هدف از پژوهش حاضر شناسایی و ارائه مدلی برای تأمین مالی صنایع کوچک و متوسط با رویکرد آزمایشگاه ارزیابی و آزمون تصمیم گیری بر پایه فرآیند مدل سازی ساختاری تفسیری و دیمتل فازی می باشد. مقاله حاضر به طراحی سناریوهای مختلف در تأمین مالی بنگاه های کوچک و متوسط پرداخته است. به همین جهت با توجه به مطالعات پیشین و روش غربال گری فازی به استخراج عوامل مؤثر بر تأمین مالی بنگاه های کوچک و متوسط و مشخص نمودن حلقه های علی - معلولی اقدام و مدل دینامیکی تدوین شده است. سپس با استفاده از تکنیک مدل سازی ساختاری و دیمتل فازی روابط و سطوح بین آنها میزان ضرایب تأثیرگذار و تأثیر پذیر مشخص و در مدل لحاظ شده است، در نهایت به منظور تست صحت مدل و مشخص شدن رفتار متغیرهای حالت و نرخ، اقدام به جمع آوری اطلاعات از 30 بنگاه کوچک و متوسط ، متقاضی شناخت روش های نوین تأمین مالی در بازه زمانی 12 ماهه شده است، که با تحلیل رفتار متغیرها در چهارچوب مدل همچنین تحلیل حساسیت، روایی الگوی دینامیکی طراحی شده مورد ارزیابی قرار گرفت. نتایج نشان داد، بنگاه های کوچک و متوسط از مدل و سناریوهای طراحی شده می توانند جهت تأمین مالی بهینه کسب و کار خود بهره مند گردند.

کلیدواژه‌ها

بنگاههای کوچک و متوسط؛ پویایی سیستم؛ موانع تامین مالی

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