Dr Parvaneh Salatin, Dr Maryam Khodaverdi Samani, Mr Sydrasol Hashemi,
Volume 14, Issue 51 (5-2023)
Abstract
Interest rate is one of the most important effective tools in policymaking. It affects investments, stability, economic growth and the real sector of the economy. The main purpose of this study is to investigate the effect of real interest rates on convergence of banks' efficiency in provinces. The results using spatial econometrics during the period 1400-2011 showed that the real interest rate has a positive and significant effect on the efficiency of banks in the provinces. . The absolute convergence rate was 0.211 and in conditional models was 0.222 and 0.228, which shows that in conditional condition, the convergence rate of provinces was higher. With the introduction of real interest rates, the pace of convergence has also increased. In other words, 11.2% in absolute convergence mode and 22.2% and 28.2% in conditional convergence mode are resolved from the economic gap of provinces to stable state. Also, economic growth has a positive and significant effect and human capital and ICT have a negative and significant effect on the convergence of banks' efficiency in the provinces.
Parvaneh Salatin, Mahdi Molania, Mahmood Mahmoodzadeh, Mohammad Hosein Fatehi,
Volume 14, Issue 53 (11-2024)
Abstract
Today, information and communication technology affects all aspects of human life. The result of which is a transformation in all methods of production and distribution to education, exchanges and human relations. On the other hand, the requirement for the realization of economic development and growth is the higher growth rate in poor and underdeveloped areas than in rich and developed areas, which is proposed as the hypothesis of convergence. In this regard, regional inequalities are a fundamental challenge for the development of regions and these inequalities are a serious threat to create a balanced development of regions. Therefore, the main goal of the current study is to investigate the convergence of Fava among the provinces of the country. The results using the Nahar and Inder method during the period of 2002-2013 showed that out of the 30 investigated provinces, divergence in land use occurred in 22 provinces. Also, at the infrastructure level, the average slope of 31 provinces is positive, but the t-value is significant for the provinces of South Khorasan, Khuzestan, Alborz and Fars, which shows that digital divergence has occurred in these provinces during the period under review. Therefore, it can be seen that although in terms of infrastructure, we have had less divergence at the level of the provinces, but in terms of usage, this gap and divergence has increased.
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