درخت حوزه‌های تخصصی

Purpose- In addition to preservation of and getting religious and legal rights of the government and people, one of the most important goals of ownership and consolidation of national and government domains is to keep and develop renewable natural resources and to allocate them for development of agricultural and productive activities. The ultimate goal of the legislator, has been movement towards comprehensive agricultural self-sufficiency, deprivation reduction, and development in villages. The present study aims at investigating the effect of national land resource allocation on rural sustainable development. As a result, the rural districts of Northern and Southern Bar’an, as a part of the central province of Isfahan, were selected. Design/methodology/approach- The present study is applied in terms of aims, descriptive-analytical in terms of research method, and survey study in terms of data collection. Data collection was performed through library and field studies. The population of the research consisted of farmers of five villages of the Northern Bar’an rural district and five villages of the Southern Bar’an rural district and 30 experts. A sample 260 farmers were selected using Cochran formula. Findings- The results indicated that the effectiveness of the allocation of national and government lands on the dimensions of rural sustainable development is at a moderate level. It shows poor efficiency of allocation of national and public land resources. Research limitations / implications- Problems like farmers' reluctance to cooperate and questionnaire distribution were among the challenges faced in this research. Originality/value: Given the importance of the studied region in production and agricultural, the findings of the present study can be regarded a big step in exploiting the potentiality of this region to determine strategies for sustainable rural development.

The objective of this study is to present a framework to increase the return and profitability and reduce credit risk of Mellat Bank customers by developing the RFM model. In this study, which was conducted as a case study in Mellat Bank of Iran, first the variables of RFM model were identified. In the next step, relevant weights of RFM variables were calculated using AHP technique. In the next step, using the K-means algorithm, customers were clustered based on weighted RFM and extended RFM. The result included customer clusters. The results indicated that the three clusters 5, 1, and 7 obtained the highest scores for receiving facilities and the coefficients for receiving facilities were equal to 0.271, 0.173, and 0.556, respectively. By determining the facility coefficient for the cluster and consequently for the customers presented in these top groups, granting facility becomes more transparent and more purposeful, and therefore, it will help the company increase profitability, reduce the churn among high-efficiency customers, and create value for customers. This research demonstrates a systematic method for granting facilities to recognize the true value based on the capability and prevention of arbitrary acts