محمدعلی حسینی

Optimizing the financing of Iran's higher education system faces major challenges such as smallness of the private sector, lack of a competitive market in knowledge production, the state's small role in higher education, and also the absence of new financial instruments in the capital market along with the development of the money market. As a result, the most important financing resources and major clients of academic research projects are state-run organizations, which also raise finance through tuition. Apparently, there are a few reasons why the higher education system should change its financing methods to achieve great goals. These reasons include intensified economic sanctions, declined capacity of the state to finance this sector, decreased power of families and firms to cover educational and research expenses through private budgets, and the necessity of making higher education expenses efficient with respect to the need to train the future workforce. The method of this study is a descriptive-qualitative, which was carried out in two stages of the library and the implementation of the Delphi method by referring to 20 experts. Aiming to introduce new instruments to make banking asset-backed securities (of facilities type) to education and research clients (families and firms), this study seeks to prove the hypothesis that the mortgage-backed securities can be employed to achieve the following goals. The first goal is to grant facilities to the students who are financially unable to pay tuition. This relieves the pressure on the Students Welfare Fund. The second goal is to grant business financing facilities to talented students. Finally, the third goal is to finance the firms that have research needs but are unable to cover the expenses through their revenues. Regarding 17 indicators, the research findings indicate that experts reached a consensus (Kendall's W= 0.702).

Purpose : The purpose of this study was to provide a model for the development of children's education. Methodology : The research method was mixed (qualitative-quantitative). The statistical population in this study was all experts in the field of educational management and curriculum planning and training of working children. After the 11th interview, theoretical saturation took place. Validity was obtained through 4 experts and by two colleagues and reliability of the Copa formula (0.632). In order to conduct this research, in addition to documentary study, the content analysis technique with MAXQDA12 software was used to identify the dimensions, components and indicators of the development of working children education, and in the quantitative data analysis section, the structural equation technique was used. Findings : As a result of qualitative analysis, 3 dimensions, 8 components and 43 indicators were identified. The dimensions of health-individual education, socio-cultural education and education of knowledge and academic and professional skills were identified as the main dimensions of the development of education of working children. Finally, all indicators were approved using structural equation technique and education of knowledge and academic skills. And vocational education with a coefficient of 0.858, health-individual education with a coefficient of 0.701 and socio-cultural education with a coefficient of 0.605 showed the most impact and importance in the model, respectively. The validity of the model was measured by 5 dimensions (philosophy and purpose with an average of 4.8, theoretical foundations with an average of 4.9, executive principles with an average of 4.70, evaluation system with an average of 4.8 and executive mechanism with an average of 4.8) that all dimensions were approved. . Conclusion : Finally, a model with 5 dimensions (philosophy and purpose with an average of 4.8, theoretical foundations with an average of 4.9, executive principles with an average of 4.7, evaluation system with an average of 4.81 and executive mechanism with an average of 4.80) was designed and validated