مقارنة الكفاءة التقنية للعاملين بالبنك الزراعي العربي السعودي

Abstract EN

Agriculture Saudi Arabian bank considers as the main tool for applying development policies at agriculture sector, because it offers free interest rate loans to farmers and agricultural projects, in addition to different forms of supporting agriculture sector.

the study problem is decreasing the labor resource technical efficiency at the bank, which result in decreasing the rate of re-collecting of loans at different regions.

the study goal is to estimate the technical efficiency of labor, based on its level of education, at all13 regions of bank branches over the study period , 1999-2003.

the study results showed that , only Riyadh, Kaseem, and Nagran had a full technical efficiency of labor, while 77% of banks need to improve its technical efficiency.

the movement among efficiency categories over the study period indicate that the second category, efficiency range from < 1 to >0.5, will increased from 23% in 1999 to 54% and 60% based on total value and number of loans respectively.

the study results found a positive and significant relation between the technical efficiency estimation and each employee share of total loan value and number.

such result proofs that experience of employee with more loans done would have a positive impact on the bank technical efficiency of labor resource use.

re-allocation of employees among bank branches and offering a new jobs at some others would be an application of study results that showed the actual and optimal number of employees at each bank branch of 13 different regions.

that goal reflects the way to increase labor resource technical efficiency, which can support the bank in doing its job in the best way.

for future research, the information about other resources and its costs, including labor wages, would be used to estimate allocative and economic efficiencies for all bank resources to increase its efficiency and impact of developing agriculture sector at Saudi Arabia.

the study results showed the impact of optimal bank branches, at each region, on the average optimal number of employees at each branch.

such results achieved by including the actual branches number of bank at each region as an independent variable, so the optimal bank number was driven.

technical efficiency indicator explained the differences of optimal employee number for each branch, based on education level.