درخت حوزه‌های تخصصی

Profit is one of the most important factors influencing economic decision making, the changes of which depend on various factors. Banks, as one of the most important business units, have a special reliance on the concept of profitability and their performance is significantly influenced by macroeconomic conditions. Government economic policies are placed. This paper aims at applying the panel regression model to study the effect of monetary policy on the profitability of banks from 2006 to 2018 using data from 30 provinces to find appropriate policy recommendations for decision-making in the banking system. The research method was the use of GMM regression technique in the context of combined data. According to the results, the performance and profitability of banks are improved by the implementation of expansionary monetary policy. However, bank lending and price inflation have a negative effect on banks' performance. According to the results of this study, control variables such as the amount of overdue claims and GDP also had a positive effect on the performance of banks. Also at the macro level, with regard to the negative effects of Expansion monetary policy and the growth of liquidity, with the controlled implementation of Expansion monetary policy, it helps to improve the performance of banks in the banking system.

Financial markets play a key role in economic development, and the insurance industry as a financial institution can be the bedrock of economic growth. Thus, risk and performance appraisal are very important in the insurance industry. There are several methods for evaluate risk and efficiency in financial markets, but since the performance of insurance companies is different from other financial institutions for the risk acceptance of other organizations and individuals, it is necessary to rank factors affecting efficiency and risk in insurance companies separately based on the performance of companies prior to focus on the calculation method. This paper discussed factors affecting the financial risks of insurance companies and efficiency and their rankings using the Delphi qualitative method and collecting expert’s opinions as well as data from domestic and forign papers. The statistical population of the research is experts and specialists in the field of risk and insurance. Spss, Eviews and Excell 2013 were used to review the questionnaires and estimate the results. The results of this paper identified the factors affecting each of the risks of financial wealth, liquidity, credit, operations and efficiency, and in the ranking obtained through Friedman test, efficiency is the highest rank, followed by liquidity, operational and credit risk in the rankings.

Services are important major element of the economy in today's societies, and banks as one of the most important service organizations direct and support many of the community's economic activities. The purpose of this study was to develop an optimal model for East Azarbaijan banks' performance based on organization risk management using the standardized questionnaire of Kosovo 2017. In order to achieve this purpose, the director or assistant director, head or deputy head, bank managers and experts of banks were selected for statistical sampling and structural equation Modeling approach was used for estimating the model and tests. Organizational risk management factors including "written job descriptions and resources to describe personnel duties, fraud risk assessment with regard to how management and other employees participate" were assessed as factors af-fecting bank performance. Therefore, the structural problems of the banking sys-tem should be resolved so that this system can function and develop in the future, and consequently, in order to resolve the crisis of the banking system, it is neces-sary to reform the banking system.

Chatbots is a computer software powered by artificial intelligence designed to replicate human interaction. It is also possible to refer to them as digital assistants that comprehend the capacities of humans. The bot interprets the user's intent, then processes their queries and provides prompt responses. Chatbots perform their most crucial role: to analyse and detect the intent of the user's request to extract relevant entities. AI-powered chatbots were introduced to improve operational efficiency, eventually saving organisational costs. This study investigates the role of system and service quality in customer satisfaction in banking services. One hundred forty-five usable data were used for analysis. Data were analysed using the Smart PLS. The results revealed that response time, usability, adaptability, empathy and responsiveness were insignificant for customer satisfaction. The result is important as it gave the insight point of customers with regards to the new services. Business organisations may need to introduce chatbots and perhaps make some improvements from time to time to provide better services.

The bibliometric study aims to map and expand respective knowledge by establishing connections between important actors in academic research regarding the government venture capitals (GVCs). The scope is to analyze documents published on Scopus database starting from 2011 to 2020.  Accordingly, the United States (U.S.) is the top country in all categories with China catching up. Alperovych, Quas, and Colombo are top co-authors. On the other hand, Leleux, Grilli, Lerner and Cumming are prolific authors. Articles by Grilli and Li Y are two most cited documents. Investments, venture capital, economics, public policy, and government are most co-occurrence index keywords. Research policy, venture capital, and journal of technology transfer, journal of business venturing and small business economics are top sources of cited documents. Closely associated themes with respect to the study of GVCs are government role in venture capital support, effective Innovation financing policies, performance differential, performance of portfolio companies, funding challenges and investment strategy, decision making model and critical success factors for IT startups. The analysis generated gaps and directions for future research consisting of fund’s structure and characteristics, key personnel’s work experience and network, geographic location, investment horizon, shareholding rights.

The purpose of this study is to develop proposals for the introduction of ecological, digital, professional, innovation and social public procurements in the national strategy on E-Public Procurement Reform and the strategy of procurements on the company-customer level. The relevance of this study is due to the need to ensure the development of “smart”, sustainable, inclusive economy, which will help reduce unemployment, poverty, facilitate access for people with disabilities to work, create opportunities for the education of young people and adults, stimulate innovations, meet expectations of citizens, solve environmental problems, carry out digital transformations taking into consideration the best world practices. The share of public procurements in expenditures of the state budget and gross domestic product of Ukraine, the dynamics of the procurement’s participants in the B2G segment is evaluated. In Ukraine, the largest share of expenditures falls on security and social protection, however, the prosperity index in these categories is critical (“red” zone). In order to form The E-Public Procurement Strategy, the best world practices of introducing innovative, environmental and social procurement criteria should be considered. Strategic directions of public procurement, namely – ecological, digital, professional, innovation and social, which provide sustainable and inclusive development of economy, are proposed.

Agriculture is one of the essential sources of occupation and revenue in India. Conferring to existing statistics, most agriculturalists are facing severe losses due to poor farming yield. Farming activities are challenged by various environmental factors that affect agricultural productivity to a greater extent. The present farming situation is above the average of the process involves more biochemical bases for managing the diseases and other destructing facts. The foremost problems they are facing in day-to-day farming tasks are crop or plant diseases affecting productivity. Also, the growth of weeds along with field crops has been another challenge.  The technology has developed to rectify the problems using some machine learning algorithms like Random Forest algorithms, Decision trees, Naïve Bayes, KNN, K-Means clustering, Support vector machines. The result has been evaluated and observed through the performance evaluation metrics using confusion matrix, accuracy, precision, Sensitivity, specificity with the observations, research, and studies. The statistics have expressed the overall accuracy of 98% by achieving the detection of diseases in plants and by removing the weeds that ruin the growth of plants.

Allocating fixed costs with undesirable data has recently been one of the most important issues for managers to discuss. Lack of attention to undesirable data may lead to incorrect cost allocation. Considering and determining undesirable inputs and outputs, data envelopment analysis (DEA) technique can be significantly helpful in determining the cost allocation strategy. In-puts and outputs are divided into two desirable and undesirable groups. Obviously, desirable inputs and undesirable outputs must be reduced and undesirable inputs and desirable outputs must be increased to improve performance. This manuscript presents two strategies for allocating fixed costs with undesirable data. In the first strategy, each decision making unit (DMU) first determines the minimum and maximum shares that it can receive from the fixed resources while the efficiency of that DMU and other DMUs re-mains the same after receiving the fixed resources. Finally, the decision maker chooses the fixed cost for each DMU between the minimum and maxi-mum cost values proposed. In the second strategy, the allocation of fixed costs is done using the CCR multiplicative model with undesirable data. The effectiveness of both methods is examined by an applied study on the commercial banks.

Despite a strong background in education and human resources, teachers’ Individual Development Planning (IDP), as a reflective tool for further learning, has remained untouched in the domain of ELT. Therefore, the current study is an attempt to investigate EFL teachers’ IDP in light of the grounded theory approach in an Iranian context. To do so, a semi-structured interview was conducted with 17 expert participants selected through purposive sampling in the field of IDP from all over Iran. Interviews were transcribed and labeled as open, axial, and selective codes. The results led to 9 main categories of EFL teachers’ IDP: identifying EFL teachers’ current status, identifying EFL teachers’ duties, tasks, and educational needs, school and teachers’ mutual agreement, setting goals, providing resources, planning for an IDP, implementing an IDP, self-evaluation, and reformative acts. Data also unveiled the causal, contextual, and intervening conditions in the way of developing and implementing an IDP. The findings of the study can have theoretical and practical implications for EFL teachers, school principals, and educational policymakers.

This study is a longitudinal mixed method design investigating Iranian English learners' perception of native-speaker English teachers (NSETS) and non-native-speaker English teachers (NNSETS) in New Zealand and Iran within the conceptual framework of Kumaravadivelu (2003), Rudolf (2018), and Benson el al. (2013).  A semi-structured interview and a questionnaire (consisting of 21 Likert items and 3 open-ended questions) were used twice ten months apart in each context. An online narrative interview was employed in 2022 to supplement the data. Non-parametric data analyses were run on the Likert items. Several coding schemes were developed and a thematic analysis was employed. Findings revealed that NNSETS in New Zealand and NSETS in Iran were perceived by the learners as more effective in guiding their students toward developing a multilingual identity. This is interpreted as the "cross-actional influence of context in language learners' perception of teachers regarding L2 identity development in students" in this research. The findings also showed a shift in students' perception from NSETS to NNSETS in both contexts over time due to the better instructional strategies of NNSETS for teaching reading, listening, grammar, and their deeper understanding of the student's needs. This study informs language teachers, teacher educators, and education authorities on 1) the cross-actional influence of context on students' perception of teachers regarding L2 identity development as a normal procedure, 2) the pattern of a shift from NSETS to NNSETS due to the qualifications of NNSETS should be considered in teacher training programs to make the most proficient language teachers accordingly.

The newly demanded language learning methodologies can exhibit their maximum efficiency if they are monitored meticulously and regularly in their particular contexts of application. The prerequisite would be putting educational programs in the spotlight and identifying the decisive elements of each learning context. Accordingly, based on the solicited responses from 638 students, in this study, a scale was developed and validated to inquire into the participants’ perceptions about the extent to which classroom interaction, learner needs, learner autonomy, pedagogical scaffolding, and learner identity could regulate learning activities in Iranian academic contexts. Importing the survey results to AMOS 22, we tested and validated a hypothetical model of the addressed variables. The validated model supported the interwoven relationships of the study variables and the pivotal role of interaction in regulating, predicting, shaping, and explaining the behaviors of other variables. The results can raise awareness of the sociocultural manifestations of classroom interaction, learner needs, learner autonomy, pedagogical scaffolding, and learner identity in Iranian TEFL programs and encourage highly positive developments and generally accepted practices to improve the status quo. Decision-makers and stakeholders can also gain a detailed insight into how sociocultural variables interrelate and accordingly coordinate their social and educational policies and measures.

INTRODUCTION: Virtual education and learning exert diverse effects on courses of different natures. Moreover, considering that the prime goal pursued by universities of applied sciences and technology is to focus on skills enhancement, the method of presentation, and the tools used. The teaching method should be designed appropriately and evaluated in terms of effectiveness. The current research, focusing on the effect of virtual education on practical and theoretical courses, seeks to assess the impact of virtual education on the achievement of the goals of the University of Applied Sciences and technology during the Covid-19 pandemic in the Applied Science Higher Education Institute Red Crescent Society of the Islamic Republic of Iran. METHODS: This applied research was conducted based on a descriptive-survey design. The data collection tools were information and data, library resources, and a researcher-made questionnaire. FINDINGS: Based on the results and the means obtained for each item, holding question and answer sessions with the highest number of good and very good items ranked first. On the other hand, uploading videos and photos to the system and providing links to related resources ranked in last place. CONCLUSION: According to the experience of virtual education in recent years following the Covid-19 pandemic, the use of hybrid methods, including online and face-to-face teaching, is recommended for teaching in skill-oriented higher education centers.

INTRODUCTION: Women's empowerment has been introduced as a mechanism to improve the quality of women's work and personal life, one of the basic principles of protecting human rights and eradicating poverty. This study aimed to investigate the effect of social capital, social support, and Internet use on the empowerment of working women with a mediating role in socioeconomic status. METHODS: In this descriptive survey study, 4,000 women were studied working in the RCS of Tehran province, Iran. About 384 samples were selected due to Cochran's formula by a simple random method. The required data were collected using some questionnaires, namely the Social Capital (Hoff and Heisman, 2009), subjective assessment of the socioeconomic status (Nabavi et al., 2007), Social Support (Sherburne and Stewart, 1991), the researcher-made questionnaire of Internet Use and Women’s Empowerment. FINDINGS: The results showed that social capital, social support, and the use of the Internet had a direct impact on the empowerment of women, and socioeconomic status played a mediating role in the relationship between social capital and empowerment. It was also found that socioeconomic status played a mediating role in the relationship between social support and the empowerment of working women. CONCLUSION: According to the results, attention to the components of social capital, social support, and the use of the Internet and cyberspace provided the basis for the empowerment of working women, while in this process the key role of women's socioeconomic status should not be overlooked. However, managers' attention to strengthening organizational trust and women's participation in decision-making, providing conditions for good communication, training, and promoting women's media literacy, would increase the socioeconomic status proportionately and improve women's empowerment.

INTRODUCTION: Improving the social capital of the Red Crescent Society can play an effective role in crisis management also control and increase productivity in responding to incidents. This research aimed to explain the role of mass and social media in the development of the social capital of the Iranian Red Crescent Society. METHODS: This practical research was conducted using a mixture of qualitative and quantitative research methods. The statistical population of the research in the qualitative part included 21 executive managers and pundits, who were selected using a purposeful and snowball sampling method. In the quantitative part, a total of 2,815 volunteer members of the Red Crescent Society formed the population, who were chosen by stratified random sampling method. The statistical data of the qualitative part were collected by holding semi-structured interviews, while those of the quantitative part were gathered using a questionnaire having content validity as well as the study of organizational documents. Data analysis in the qualitative part was performed through the thematic analysis method and in the quantitative part through the frequency and comparison of statistical data. FINDINGS: The findings showed that the effective role of the media should not be neglected. It was revealed that mass and social media played a role in the development of the social capital of the Red Crescent Society through three important components, namely news and information, mass education, and accreditation. CONCLUSION: According to the results of the current research, the Red Crescent Society can boost the productivity and effectiveness of humanitarian and public benefits programs and activities by understanding the very effective role of communication media and improving the level of cooperation and altruism culture in society with the help of mass media members, activists, and celebrities of social networks.

INTRODUCTION: After the approval of the country's crisis management law, the upstream documents related to this law, including the preparedness and response programs at the national and provincial levels, are among the tasks assigned to increase the efficiency of the crisis management processes. METHODS: This study presents a general framework for developing a provincial crisis response program. The proposed process has been used to develop the crisis response program of Hamadan province. In the phase of understanding the current situation, questionnaires and in-depth interviews were used to collect field data and determine the challenges presented to crisis management in Hamadan province. Moreover, a method for allocating the specialized functions of the response phase to the provincial organizations has been presented using the national crisis documents. FINDINGS: In general, the findings of this research can be assigned to three groups. The first group pertained to the project method, including the stages of understanding the current situation and developing the response program of the provinces. The second group of findings was the summary of the analysis of field data collected regarding the state of preparedness and response in Hamadan province. The third group encompassed determining and allocating specialized crisis response functions in Hamadan province. The functions of the provinces (n=32) and after their compliance with the national functions, the crisis management law, and the capabilities of the existing organization in the province, 56 specialized sub-functions were identified in the provinces, and the responsible, collaborating, and supporting institutions were determined. CONCLUSION: As evidenced by the obtained results, in the process of function allocation, some problems have been identified due to the shortage of information in the upstream documents, which are suggested to the crisis management organization for better planning.