درخت حوزه‌های تخصصی

Tasks are as useful devices for identifying learners’ needs and thus for designing specific purpose courses. Hence, the present study aimed at examining the viable effects of three varieties of task manipulation, i.e., oral reproduction, role-play, and group discussion, on the accuracy and fluency components of Iranian EFL learners’ oral speech. For the sake of homogeneity of the participants, 60 L1 Persian EFL students were selected through Oxford Placement Test (OPT) and divided into three 20-participant comparison groups: Oral Reproduction Group (ORG), Role-play Group (RPG), and Group Discussion Group (GDG). Each of the three comparison groups was treated just through a single task. ORG, RPG, and GDG were treated by oral reproduction, role-play, and group discussion tasks, respectively. The participants were pretested and posttested by the speaking part of Preliminary English Test (PET). The three groups were exposed to ten sessions of treatment, each of which lasted one hour and thirty minutes. The results of the study, obtained through ANOVA and Post Hoc analyses, revealed that the three types of task manipulation had significant influence on the fluency and accuracy of the participants’ speech. It was also revealed that GDG, treated through group discussion type of task manipulation, outperformed the other groups in terms of accuracy and fluency achievement. Tasks are hence recommended to be used in EFL teaching and testing contexts in that they are assumed to be effective tools to enhance the accuracy and fluency of English learners’ oral speech.

The present study is aimed to Rating the loans granted to the real customers of Bank Melli Iran in accordance with the credit factors of the customers using the multi-objective meta-heuristic algorithm of genetics-adaptive neuro-fuzzy network system (GENETIC-ANFIS). This research is a qualitative-quantitative design and exploratory based on purpose in terms of purpose and descriptive in terms in terms of data collection and analysis method and survey. Qualitative data was collected via the research of Rezaei et al. (2022) and the decision making team of the banking field, and quantitative data was collected through 1178 real customers of Bank Melli of Mazandaran province during the years 2012 to 2021 based on 14 types of loans. According to the rating of granted loans, the risk of each loan was measured separately for 4 personal, environmental, economic and credit factors. In Mudharabah loans, Musyarakah, debt purchase, Istisna and salaf, the economic factor showed the highest sensitivity. Also, the behavior of the research meta-heuristic model has indicated 78% reliability in the accuracy and interpretability of the model compared to genetic algorithm, neural network, fuzzy logic and neural-fuzzy network models..

Karbala city is destination of millions of pilgrims from all over the world every year. Therefore, this research has assessed strategies for developing religious tourism in Karbala city, with an emphasis on improving the pilgrims' experience and exploiting the economic and social capacities of this city. First, indicators related to religious tourism infrastructure were identified, and then their impact on the pilgrims' experience was analyzed using statistical methods. Data collection tool is a researcher-made questionnaire, which was used to examine its validity from the specialists and experts in quantitative and relative content validity coefficient, and to examine its reliability, was used Cronbach's alpha. The statistical sample includes two groups, 19 people in the qualitative section and 550 people in the quantitative section, selected using convenience sampling. Data analysis includes initial coding, classification, extraction of indicators and variables, descriptive and inferential statistics such as one sample t-test, analysis of variance, Pearson correlation, and linear regression. Results showed residence index with the maximum mean and minimum dispersion indicates the its importance and diversity for pilgrims. The recreational and commercial services index with the lowest mean showed less importance. Correlation results indicate a positive and significant relationship between the attraction index and other indicators at the 0.001 level, which shows that as tourist attractions are strengthened, other services and infrastructure are equally effective in improving the pilgrims' experience. Results of compare means between pilgrims and local residents showed in the catering service and residence indexes, mean of rank pilgrims (253.21 and 254.49) are higher than local residents (239.65 and 234.55) at a significance level of 0.398 and 0.215, respectively. As a result, improving tourism infrastructure, accessibility and improving the quality of recreational and medical services can lead to increased pilgrim satisfaction.

The banking industry is undergoing a significant transformation driven by digital technologies, evolving customer behaviors, and increasing regulatory pressures. To remain competitive, banks must adopt governance frameworks that integrate digital innovations to enhance operational efficiency and improve environmental, social, and governance (ESG) performance. This study identifies governance framework archetypes essential to digital transformation in banks through a comprehensive research methodology, including a literature review of digital governance frameworks, a comparative analysis of 11 leading digital banks worldwide, and latent class analysis to uncover key archetypes. Our findings reveal nine distinct governance archetypes, categorized into three dimensions: structural, including Centralized, Semi-centralized, and Open Innovation-oriented banks; dedicated processes, comprising Continuous Improvement, Vanguard, and Fast Follower banks; and relational mechanisms, featuring Self-empowering, Explorer, and Relationship-oriented banks. This classification advances the understanding of governance approaches that effectively support banks in their digital transformation journeys. The implications of these archetypes are substantial, offering a framework for banks to align their strategies with digital transformation initiatives. By adopting these governance structures, banks can better navigate the complexities of the digital landscape, foster innovation, and ultimately enhance their service offerings while addressing the evolving demands of customers. This research contributes to the growing body of knowledge on digital governance in banking and provides guidance for financial institutions striving to succeed in an increasingly digital world.