واقع المسؤولية المجتمعية لدى البنوك الاسلامية الفلسطينية ودورها في تلبية احتياجات المجتمع الفلسطيني
Date
2023-01-10
Authors
ورود خالد محمود المصري
WOROUD KHALID ALMASSRI
Journal Title
Journal ISSN
Volume Title
Publisher
جامعة القدس
Abstract
هدفت الدراسة إلى التعرف على واقع المسؤولية المجتمعية لدى البنوك الإسلامية الفلسطينية، ودورها في تلبية احتياجات المجتمع الفلسطيني، حيث تم دراسة المسؤولية المجتمعية من خلال الأبعاد التالية: البعد الاقتصادي، البعد القانوني، البعد الأخلاقي، والبعد الإنساني.
استخدمت الدراسة المنهج الوصفي التحليلي في إجراءاتها، وتكون مجتمع الدراسة من العاملين في مستويات الإدارة: التنفيذية، الوسطى، والعليا في البنوك والمصارف الإسلامية الفلسطينية والممثلة بالبنوك التالية: البنك الإسلامي الفلسطيني، البنك الإسلامي العربي، ومصرف الصفا، ونتيجة لصعوبة الإفصاح عن أعدادهم الفعلية، فقد تم الاعتماد على العدد الإجمالي لكافة العاملين في هذه المصارف المذكورة، والذي يبلغ (1466) موظف وموظفة وفقاً للتقارير السنوية لهذه البنوك للعام 2021، وكان الحجم الكلي لعينة الدراسة (205) مدير ومديرة، وكانت نسبة الاسترجاع لأداة الدراسة (93.6%).
توصلت الدراسة إلى عدة نتائج أهمها: وجود علاقة إيجابية وقوية بين المسؤولية المجتمعية للبنوك الإسلامية بأبعادها: الاقتصادية، القانونية، الخيرية، والإنسانية، وبين احتياجات المجتمع الفلسطيني، وقد بلغت قوة هذه العلاقة من خلال معامل الارتباط r (89.9%)، كما توصلت الدراسة إلى نتيجة مفادها أن المسؤولية المجتمعية لدى البنوك الإسلامية بكافة أبعادها مجتمعة تفسر التباين الحاصل في تلبية احتياجات المجتمع الفلسطيني بمقدار قيمة R2 أي بنسبة لا تقل عن (80.9%)، وانه لا يمكن القيام بالمسؤولية المجتمعية بشكل مجتزأ من خلال الأبعاد، فلا بد من تحقيق المسؤولية المجتمعية بكافة الأبعاد مجتمعة لدى البنوك الإسلامية.
كما أظهرت الدراسة أن واقع المسؤولية المجتمعية لدى البنوك الإسلامية الفلسطينية جاء بدرجة متوسطة بلغت نسبتها (66.4%)، وأن أعلى الأبعاد تطبيقاً هو البعد الاقتصادي في حين كان كل من البعد القانوني والأخلاقي هما الأقل تطبيقاً، وبينت النتائج أن أهم القنوات التي يتم الصرف فيها من خلال المسؤولية المجتمعية لدى النبوك الإسلامية هي التبرعات والهبات إضافة إلى التعليم والصحة.
اقترحت الدراسة عدة توصيات أهمها: أن تقوم البنوك الإسلامية الفلسطينية بوضع المسؤولية المجتمعية بكافة أبعادها وبشكل تكاملي في بنود موازناتها السنوية مع تحديد أرقام محددة وثابتة لتوجيهها نحو قنوات محددة تفيد المجتمع الفلسطيني كالصحة والتعليم والتنمية المحلية، إضافة إلى العمل وفق خطة وطنية شاملة لتفعيل المسؤولية الوطنية المجتمعية في كافة الشركات والمصارف والبنوك العاملة في فلسطين، وربط المسؤولية المجتمعية للقطاع الخاص ككل باحتياجات المجتمع الفلسطيني بالتعاون مع الحكومة والقطاع الخاص بكافة قطاعاته.
الكلمات المفتاحية: البنوك الإسلامية، المسؤولية المجتمعية، احتياجات المجتمع، البعد الاقتصادي، البعد الأخلاقي.
The study aimed to identify the reality of social responsibility of Islamic banks operating in Palestine, and its role in meeting the needs of the Palestinian society, where social responsibility was studied through the following dimensions: the economic dimension, the legal dimension, the ethical dimension, and the human dimension. The study used the descriptive analytical approach in its procedures, and the study population consisted of employees at the executive, middle, and senior levels of management in Palestinian Islamic banks and banks, represented by the following banks: Palestine Islamic Bank, Arab Islamic Bank, and Al-Safa Bank, and as a result of the difficulty of disclosing their actual numbers, they The total number of all workers in these mentioned banks was relied upon, which amounts to (1466) male and female employees according to the annual reports of these banks for the year 2021. The total size of the study sample was (205) male and female managers, and the recovery rate for the study tool was (93.6%). The study reached several results, the most important of which are: the existence of a positive and strong relationship between the social responsibility of Islamic banks in its dimensions : economic, legal, charitable, and humanitarian, and the needs of the Palestinian society, and the strength of this relationship reached through the correlation coefficient r (89.9%), and the study also reached the conclusion that the social responsibility of Islamic banks in all its dimensions together explains the variation in meeting the needs of the Palestinian society by the value of R2 That is, by no less than (80.9%), and that social responsibility cannot be carried out piecemeal through dimensions, so social responsibility must be achieved in all dimensions combined with Islamic banks. The study also showed that the reality of social responsibility among Islamic banks operating in Palestine came to an average degree of (66.4%), and that the highest dimensions applied is the economic dimension, while both the legal and ethical dimension were the least applied, and the results showed that the most important channels in which disbursement is made through social responsibility at Islamic banks are donations and donations, in addition to education and health. The study proposed several recommendations, the most important of which are: that Islamic banks operating in Palestine put social responsibility in all its dimensions and in an integrated manner in the items of their annual budgets with the identification of specific and fixed numbers to direct them towards specific channels that benefit the Palestinian society such as health, education and local development, in addition to working according to a comprehensive national plan to activate national social responsibility in all companies, banks and banks operating in Palestine, and linking the social responsibility of the private sector as a whole to the needs of the Palestinian society in cooperation with the government and the sector for all its sectors. Keywords: Islamic banks, social responsibility, community needs, economic dimension, ethical dimension.
The study aimed to identify the reality of social responsibility of Islamic banks operating in Palestine, and its role in meeting the needs of the Palestinian society, where social responsibility was studied through the following dimensions: the economic dimension, the legal dimension, the ethical dimension, and the human dimension. The study used the descriptive analytical approach in its procedures, and the study population consisted of employees at the executive, middle, and senior levels of management in Palestinian Islamic banks and banks, represented by the following banks: Palestine Islamic Bank, Arab Islamic Bank, and Al-Safa Bank, and as a result of the difficulty of disclosing their actual numbers, they The total number of all workers in these mentioned banks was relied upon, which amounts to (1466) male and female employees according to the annual reports of these banks for the year 2021. The total size of the study sample was (205) male and female managers, and the recovery rate for the study tool was (93.6%). The study reached several results, the most important of which are: the existence of a positive and strong relationship between the social responsibility of Islamic banks in its dimensions : economic, legal, charitable, and humanitarian, and the needs of the Palestinian society, and the strength of this relationship reached through the correlation coefficient r (89.9%), and the study also reached the conclusion that the social responsibility of Islamic banks in all its dimensions together explains the variation in meeting the needs of the Palestinian society by the value of R2 That is, by no less than (80.9%), and that social responsibility cannot be carried out piecemeal through dimensions, so social responsibility must be achieved in all dimensions combined with Islamic banks. The study also showed that the reality of social responsibility among Islamic banks operating in Palestine came to an average degree of (66.4%), and that the highest dimensions applied is the economic dimension, while both the legal and ethical dimension were the least applied, and the results showed that the most important channels in which disbursement is made through social responsibility at Islamic banks are donations and donations, in addition to education and health. The study proposed several recommendations, the most important of which are: that Islamic banks operating in Palestine put social responsibility in all its dimensions and in an integrated manner in the items of their annual budgets with the identification of specific and fixed numbers to direct them towards specific channels that benefit the Palestinian society such as health, education and local development, in addition to working according to a comprehensive national plan to activate national social responsibility in all companies, banks and banks operating in Palestine, and linking the social responsibility of the private sector as a whole to the needs of the Palestinian society in cooperation with the government and the sector for all its sectors. Keywords: Islamic banks, social responsibility, community needs, economic dimension, ethical dimension.