درخت حوزه‌های تخصصی

One of the most important risks that the banks and financial institutes face, is credit risk which is related to not-paid instalments or the instalments paid with delay by borrowers. Banks use credit scoring models In order to prevent this type of risk. The goal of this research is to investigate the joint effect of economic time cycles and the industry sector on credit scoring models we are seeking to answer the key question: “when should bank change their credit scoring models based on economic time cycles and for which industry sectors?”. The dataset of the research involves all companies that were applied for a loan in one of the Iranian major banks during the years 2008-2011. The companies have been divided into four industry sectors including “Industry and Mine”, “Oil and chemical”, “Service and Infrastructure” and finally “Agriculture”. Based on the sector of the industry and year, 54 explanatory variables, both financial and non-financial, 12 distinct industry sectors and time-specific data sets are built then classification methods were used to classify customers into two groups of defaults and non-defaults. Finally, we compared the results by Wilcoxon Test. The results show that the companies that are in the groups of Industry and Mine and Agriculture, need their own special credit scoring based on industry type model and time but two other groups don’t need of course in the studies dataset duration. Finally, the study concluded by introducing the credit scoring strategies for different four-cycle of economies

SCImago Journal Rank (SJR) is one indicator of a journal's reputation.  The value is calculated based on several published journals, such as scholarly journals' scientific impact, representing the number of quotes sent to a journal and the relevance or reputation of journals from which the quotations originate. A high SJR value means that the corresponding journal has a high reputation. This study aims to approach the SJR classification by implementing a machine learning approach. A simple yet powerful method Naïve Bayes Classifier (NBC), is selected. NBC utilizes probability calculations based on Bayes' theorem. However, NBC has an assumption that the attribute values do not depend on each other. This method is optimized using Particle Swarm Optimization (PSO) to overcome this weakness. This study used SJR data of the computer science domain from 2014 to 2017. Publication without Q rank is filtered for better performance. As a result, the accuracy of the proposed method is higher than the baseline. The use of PSO  significantly improves the NBC performance based on the performed T-test. The PSO-NBC selects four of eight features: H index, Cites/ Doc (2 Years), and Ref. / Doc. Overall results show that using PSO-NBC is closer to SJR rather than using mere NBC.

Background: The Internet of things (IoT) is a new technology that expanding rapidly and has led to the emergence of new services in the banking industry. Although IoT is an emerging technology in Iran, it is expected to become a paradigm in the future. IoT applications in banking have helped to provide high quality and fast responses to customers anytime, anywhere. Purpose: This research aims to identify and prioritize IoT applications in the Iranian banking industry based on business continuity indicators. Methods: First, based on the comprehensive literature review and practical experiences, IoT applications in the banking industry are identified. Then, each indicator's weight was calculated using the Grey Decision-making trial and evaluation laboratory (DEMATEL). Finally, IoT-based applications in the Iranian banking industry have prioritized using the multi-attribute utility theory (MAUT). Due to the unstable economic conditions for the financial sector, business continuity indicators are employed in this study. Also, the reason for using MAUT is to consider the utility of banking experts for performing IoT banking services. Findings: According to results, IoT-based services in the banking industry, including Transmit instant reports, smart ATMs, non-contact electronic payments, and electronic checks, are identified for Iranian banks. Then, These appropriate services are prioritized with the capabilities of Iranian banks.

Smart applications with interconnected intelligent devices for sharing services arise serious security problems to the stability of this IoT complex and heterogeneous environment. Unless security considerations are analyzed and implemented properly in real time then IoT cannot be perceived as a pervasive network for the possible stakeholders. Current state of the art has analyzed trust-based security solutions as additional feature to application layer of the system which can identify and filter out the malicious nodes. In this paper we are proposing holistic trust management with edge computing mechanism to create trustworthy zones comprising different clusters, where Gateway on behalf of clusters will initiate migration of their nodes if falls below the defined Zone trust threshold level. The created zones are self-resilient against any malicious attacks and saves lots processing usage time and energy to address the security issues. By analyzing our proposed algorithm with other contemporary approaches to handle IoT security issues using trust mechanism, this approach is more precise in terms of protecting system against incurring malicious behavior, and also prolong the application operation duration by reducing communication and processing overhead.

The progression of Internet as a vehicle to penetrate and develop markets is far reached. Advancement in telecommunication and technology are very rapid in Malaysia. Further, the spur is supported and promoted by the government whilst Malaysian’s are receptive to this. However, Malaysian retailers seem to channel much of its turnover through the old avenue. This study is a litmus test on Malaysians awareness on the local apparel sites. Some of the highlighted rationale to shop for apparels online is the experience, convenience and availability. On the flip side, non-user friendly, safety and non-sensory environment are underscored. These variables are analyzed using Chi-Square analysis to test its statistical independence, followed by correlation and further regressed. The research is focused on university students within Klang Valley. There are limited resources to previous studies done on this subject as source of reference. Therefore, further studies can bring forth insights on retailers in Malaysia and the consumer’s behavior; or either one, as the catalyst influence awareness on our local apparel sites. Rhetorical as it may sound, no one is prepared to assume risks in a questionable market

The modeling engineering of psychotherapeutic approaches to diabetic patients has a positive impact on the quality of the support process and organizational, personal and professional development, in the sense that the education and neuro-educational training project constitutes a powerful human resources management vector. The research would attempt to analyze therapeutic education models and corresponding health promotion approaches, as well as the identification of methods and techniques used in health practice As a result, the quality of the neuro-educational approaches is the guarantor of the effectiveness of the recommended support system. Adopting this imperative highlight, a new PCA patient-centered approach. This major concern therefore calls on the medical profession to question the impact and effects of collaborative support in the process of building and developing the conceptual, procedural and behavioral skills of diabetic patients which facilitate their self-knowledge, their self-determination and their awareness of the factors of therapeutic effectiveness and the promotion of their physical, moral, social and psychological well-being. It prompts us to ask ourselves how the different care teams and support actors organize and coordinate their andragogical actions, with a view to complementarity and synergy. We proceed, through a descriptive and exploratory research approach, opting for a so-called longitudinal survey, by a semi-directive questionnaire and by an interview technique. By comparing the results of the study with the validation interviews, it emerges that appropriate attention must be paid to the support process to allow the diabetic patient to master all the components of reflective therapeutic practice and to achieve his personal and organizational development necessary for the development of a subject actor of change and innovation. This support system engineering will define the frame of reference, including the ethical values ​​and the basis of the required professional skills which will be applicable to any program for the development of cognitive and behavioral skills in diabetic patients. The new vision will be built around adapted support practices, collaborative approaches, a comprehensive, harmonious and balanced therapeutic education program, personalized training courses and inclusive evaluation methods that go well beyond validation and tenure. (Towards a sick-centered vocation).

This study aims to investigate the effectiveness of university roles in entrepreneurial intentions among university students. This study is also measuring the functions of the system supports as the control variables towards entrepreneurial intentions. Universities seem to compete in the industry to provide and develop the entrepreneurial skills set to their students. Perhaps they may add more benefit in preparing and equipping their students as entrepreneurs once they completed their studies. The study was conducted in local universities. Three hundred respondents were approached in getting the data compiled. Based on that, only 250 complete and usable data received in returns. An 83% response rate is achieved because the sample was from a list of young entrepreneurs' schemes currently being assessed by the government agencies. Questionnaires used to validate the items from university roles (6 items), entrepreneurial intentions (5 items), and finally support systems (6 items). Likert scales were used to measure all the items. Besides that, there are also seven questions for respondents' profiles. The results indicate that all tested hypothesized were positively significant. Universities should consider finding ways to develop and motivating their students towards entrepreneurial intentions. Further study may continue the model with different sets of control variables for concrete solutions in managing the student's entrepreneurial intentions.

In the era of globalization and standardization, Information Technology (IT) brought many changes in people’s lives, it also influenced people's behaviour, communication, and lifestyle. The ability of IT in the business and community is to sustain in an increasingly competitive and global environment which largely influenced their capacity to access information as a resource and usage of advanced technologies. This paper analyzing the impact of IT on the Muslim community in the era of Globalization and Islamization. Several types of research have been done on IT and Islam, IT and behavioural and so on, while this paper specifically focusing on the Muslim community in the era of Globalization and Islamization. Information technology has undoubtedly become the central drive for the evolution of a modern Muslim society globally. The Muslim world or society, like the rest of the ‘world’, participates in the evolution, as well as the usage of using IT to obtain Islamic materials. Such materials include among others the translation of the Qur’an, Tajweed, Hadith, and Tafseer, which are available in word, audio, and video forms through digital content or via interactive chat rooms and forums. This paper focuses on Islamic literature globally accessible and assumes a vital role in spreading Islam all over the world. The paper recommends initiatives policy by government and NGO to promote IT technologies among Muslims around the world for a viable impact on society