عوامل مؤثر بر فساد مالی از نگاه کارکنان بانک ها و مؤسسات مالی استان خوزستان

This research was carried out in a surveying method aiming at recognizing the effective factors on financial corruption among staffs of banks and financial establishments in khuzestan province. The research statistical society included 15000 staffs of financial establishments and 384 of them were experts selected through a random sampling proper to the volume and they were selected as the sample volume through Cocran sampling formula. In the first phase, the data gathering tool was interviewing chief managers and in the second phase, it was a questionnaire. The reliability of the research tool was approved by the experts and its validity was estimated through Kronbachys alpha coefficient and Gotman 0.87 and 0.86, respectively. The PCA results through factors exploitation criterion with the special value of more than one showed that the exploited factors of the intended interviews have been put at least on a special-valued factor more than one time and the exploited factors describe 47.674 of data variance totally. The results of analyzing the discovered factor revealed that the effective factors on the financial corruption can be classified into two groups (organizational factors with 31 factors and cultural-social one with 17 factors). Increased inclination toward hiding bureaucratic crimes, paying no attention to rotating financial staffs in time and taking time in investigating process of the crime among high level of administrative dimensions allocate the factor load to themselves. Individualism growth in the society, high level of expectations in the families, low social expenses for corruption and the lack of informing the public regarding different kinds of crimes and their punishments have also allocated the higher factor load in the cultural and social dimensions to themselves. According to the achieved results (KMO=0.776) and considering 0.60 criterion, KMO statistical criterion had an acceptable amount.