درخت حوزه‌های تخصصی

This paper investigates the effect of relationship-lending on loan contract terms, especially on the interest rate, loan value, and collateral requirements. For this purpose, data on 4850 loans granted by a bank in 2016 is employed. Our estimations show a negative and significant relationship between the interest rate and quality and quantity of borrower-lender relationship. Furthermore, there has been a positive and significant relationship between loan volumes granted to the borrower and the scope of his/her relation with the bank. Finally, there has been a positive and insignificant relationship between customer relationship with the bank and pledged collateral. The relationship-lending, as a solution for asymmetry information problems, is a winner-winner game such that the lender saves on screening expenses and the borrower is financed at lower costs. Thus, deliberate regulation in support of relationship lending increases the welfare of both sides of the credit market.

This study is an attempt to examine the effects of external shocks on macroeconomic variables in selective small open emerging economies in Southeast Asia. A quarterly Global Vector Autoregressive (GVAR) model, including 33 countries, was used throughout 1979–2013. The empirical results showed that the target countries were affected by external shocks, especially the shocks in the U.S, Euro area, China, South Korea, Singapore, and oil price, due to a high dependency on exports and a high degree of globalization in financial markets. The difference in the economic structure of these countries has led to different reactions to shocks. Meanwhile, equity price, exchange rate, and the real output were the most important transmitters of shocks to the interior economy. Furthermore, the shock to the macroeconomic situation in the U.S, the U.K, and South Korea is related to the top ten effective factors on Forecast Error Variance Decomposition (FEVD) of these three variables. Concurrently, the domestic shock in GDP and the exchange rate in each country, except Indonesia, have the highest share in FEVD. According to the results, the effects of the mentioned shocks have to be noticed by macro-prudential analysis studies in the target countries to optimally manage the risks in the various areas of the economy.

The stock market is influenced by other parallel markets and macroeconomic variables; such variables have impacts on the behavior of financial market players. Accordingly, this study first examines the existence of herding behavior among investors in the Tehran Stock Exchange (TSE). It then investigates the effects of exogenous economic variables on this industry-level behavior in the Tehran Stock Exchange (TSE) throughout 2008- 2018. For this purpose, 12 different industries were studied, and the results of nonlinear regression analysis showed the existence of herding behavior in all selected industries in the bearish market. However, this is not true for the bullish market. The findings also indicate that the effects of exogenous variables are not the same in different industries.

With advanced information and communication technology, the organizations’ business model has undergone fundamental changes. These changes are also observed in the banking industry. This research aims at explaining the Iranian electronic banking business model and recognizing its challenges in the transformation to digital banking, which is considered as the research innovation. In terms of method, the present research is a qualitative study and in terms of goal, it is primary research. In this research, grounded theory has been used as a systematic method for the investigation of complex multilateral issues. The population includes the expert managers of the banking industry who have mastery over macro policies of banking and electronic payment in Iran. Regarding the research method, all the interviews were recorded and converted to text. The coding and classification process was done based on three stages of open coding, axial coding, and selective coding. The outputs of these three stages were provided in the form of codes, concepts, and categories. During and after data collection, the data were reviewed for several times, the key points were specified, and the related codes were counted. Finally, 761 codes, 26 concepts, and 14 categories related to the research topic were identified based on which, the conceptual business model of Iranian electronic banking was developed. Based on the conceptual model of the research, seven challenges for digital banking transformation were identified.

By using the household data on food consumption, income and other social indicators including activity status, age, literacy, place of residence employment, and marital status, this paper aims to investigate the transitory impact of temporary and permanent income shocks on food consumption in Iran over the period 2009-2014. To study the deterministic effects of the household on food consumption and income, firstly, an Ordinary Least Squares (OLS) method is used to estimate the impact of some Iranian social characteristics on households’ income and food consumption. Then, the variance– covariance structure of income and food consumption processes is utilized, which has described by the Permanent-Temporary model (PT) to identify the characterizing parameters, which link the behavior of consumption and income to estimate the consumption-smoothing parameters. The results indicate that there is nearly complete food consumption smoothing against temporary and permanent income shocks throughout the sample period. Moreover, households’ social indicators have significant effects on their food consumption, income levels, and insurance opportunities.

The purpose of research is focused on the insight into the future of Bitcoin on the financial situation, its implications and challenges. The problem of study is to investigate how to deal with a new type of digital currencies (such Bitcoin) that does not have a physical presence and there is no specific body to issue. Thus, this study aims to identify the nature of Bitcoin currency and what are the challenges associated with it as well as exchange rates with some currencies, as the research hypothesized the main hypothesis that Bitcoin will contribute to financial development in the future, the research also used the analytical rooted approach to present concepts and data, using financial technical analysis to display the results The research also came up with a number of conclusions and recommendations. The results of paper significantly contribute to the literature through providing evidence from financial data of Bitcoin.

There is a causal relationship between high-quality cost systems and pricing decision makers because pricing decision is in dire need of modern systems that help make rational decisions. The aim of this research is to confirm that quality cost systems affect pricing decisions-making in maintaining the industrial companies. The research results can be utilized by beneficiaries taking into account the effects, obligations and costs involved. This study focused on the importance of the growing interest of companies and individuals interested in quality on the necessity of maintaining the product quality and reaching the high quality of products through strategic decisions-making for the continuity of industrial companies and elimination of future risks. The problem of this study is that quality cost systems are among the most important factors involved in pricing decisions-making of industrial companies. This is attributed to the superiority of foreign companies' interest in high quality production over Arab companies in terms of their interest in product quality in pricing decisions-making within advanced methods used by these companies in maintaining the quality of their products. This study is based on the descriptive approach to form the theoretical base of research by relying on the relevant published books and scientific research. The analytical approach was then adopted through the questionnaire. Among the most important findings is the existence of a positive relationship between quality costs and pricing decisions. Hence, quality costs positively affect the rationalization of pricing decision by providing the necessary data and information about the risk to the organization in increasing the competitive advantage among companies. This competitive increase has led to an increase in seeking more opportunities for companies with quality costs. One of the most important recommendations is to prepare plans to mitigate the competitive risks that have been chosen. The aim of these plans is to provide the necessary information to make strategic long-term decisions, aiming at protecting the rights and interests of shareholders to economic unity and strategic decisions-making that serve interests.

This study examines how gamification mechanics could be used in online retailers' loyalty programs. In other words, this article attempts to create a conceptual model for the relationship between gamification mechanics and customer loyalty elements. We used a field study to conduct our research. In order to validate the survey, 450 customers from one of the greatest online stores in Iran were questioned. The results of this survey were used to validate our 11 phrases on the relationship between gamification mechanics and customer loyalty. The results were analyzed using confirmatory factor analysis, path analysis, and model fitness tests in structural equations modeled in the Lisrel software. According to the research findings, the relationship between variables and the proposed conceptual model was confirmed. Based on the performed analysis, all 11 phrases were verified .

Enterprise risk management represents a process of assessing exposure to risks in an institution. It is a systematic mechanism and a comprehensive tool for predicting events, including unexpected events, and their impacts. This paper is a conceptual study. It aims at designing a model for testing the mediation effect of information technology (IT) quality on the relationship between the enterprise risk management (henceforth, ERM) practice and the financial performance of financial institutions in Iraq. Based on reviewing the literature on ERM, it is found that ERM (leadership roles, risk culture and compliance) has a positive and important effect on the financial performance of financial institution in Iraq. In addition, this paper shows that the IT quality is a good medium for increasing the interaction between practices of ERM and financial performance positively. It provides a practical and theoretical contribution to practices of ERM in listed companies in Iraq. It also has major implications for professional practitioners, regulators and academics in Iraq. Finally, this paper contributes to building relevant knowledge in the field of leadership role, risk culture, compliance and IT quality.

Persian language is one of the most widely used languages in the Web environment. Hence, the Persian Web includes invaluable information that is required to be retrieved effectively. Similar to other languages, ranking algorithms for the Persian Web content, deal with different challenges, such as applicability issues in real-world situations as well as the lack of user modeling. CF-Rank, as a recently proposed learning to rank data, aims to deal with such issues by the classifier fusion idea. CF-Rank generates a few click-through features, which provide a compact representation of a given primitive dataset. By constructing the primitive classifiers on each category of click-through features and aggregating their decisions by the use of information fusion techniques, CF-Rank has become a successful ranking algorithm in English datasets. In this paper, CF-Rank is customized for the Persian Web content. Evaluation results of this algorithm on the dotIR dataset indicate that the customized CF-Rank outperforms baseline rankings. Especially, the improvement is more noticeable at the top of ranked lists, which are observed most of the time by the Web users. According to the NDCG@1 and MAP evaluation criteria, comparing the CF-Rank with the preeminent baseline algorithm on the dotIR dataset indicates an improvement of 30 percent and 16.5 percent, respectively.

Social support is the physical and emotional comfort given to someone in times of need or crises and it is especially important for maintaining good physical and mental health. Despite the contribution of intelligent technological devices, which have led to the availability of various types of social support systems, the latter are still not widely known to many. These support systems are currently available in many versions, such as in tablets and smartphones, where many health information systems have been created specifically to accommodate to the needs of current mobile healthcare consumers. In this paper, we systematically review the role of social support provided via health information systems and report a qualitative study that investigates the perceptions of healthcare professionals and consumers towards incorporating social support in self-care applications. The results obtained through our study reveal that social support is associated with better health management and is a vital component to be incorporated in any novel health information system. Likewise, the results are supported by our qualitative study that indicates healthcare professionals and consumers emphasize the inclusion of the social support component in self-care applications to achieve better health outcomes.

This study investigates the constructs and related theories that drive social capital in energy sector from the intention perspectives. This research uses theories of ‘social support’ and ‘planned behaviour’ alongside satisfaction and perceived value to propose a research model that drives social capital for energy sectors in Malaysia. The model reveals that the Theories of Planned Behaviour (TPB) and Social Support Theory (SST) alongside satisfaction and perceived value factors promote social capital development in energy sectors. Using PLS–SEM to analyse data gathered from energy sector employees in Malaysia, this research demonstrates that social capital is present when there is trust and loyalty among the users and positively effects energy sectors in terms of the productivity, effectiveness, efficiency and profitability. The study also contributes to the understanding of individuals' use of social capital in energy sector. A survey is adapted and distributed to 100 respondents as a mean to study on the validity and reliability of the research factors. Results indicate that all seven hypotheses proposed significantly influence social capital.

Housing developments in Lagos State peri-urban settlements have contributed immensely to the alleviation of the challenges of housing deficits in central Lagos. This research aims at exامینing the characteristics of housing development in the peri-urban settlements of Lagos State, Nigeria. Using a case study approach, housing developments in peri-urban settlements in Ibeju-Lekki Local Government Areas were selected to represent the rapidly urbanizing metropolitan peripheral areas in Lagos State. Data was collected through primary and secondary sources which include survey questionnaires, direct observations and in-depth interviews. Using two-stage sampling techniques, a questionnaire was distributed to households in purposively selected 16 peri-urban settlements in IbejuLekki. Data collected through field survey were analyzed using frequencies, percentages, cross tabulations while qualitative data were analyzed using descriptive analysis. Findings demonstrate that different housing initiatives in the peri-urban settlements performed differently in typology and resident’s perception. Socio-economic attributes revealed a multi-cultural households composition, reasonable literacy level. It is recommended that improved quality and user performance peri-urban housing development can be achieved through residents’ participation in housing policy design and also by timely regional policy response to the pace of housing development in Lagos peri-urban settlements.

In this paper, the system of language and architecture has been studied in three levels of elemental, structural and semantic in cases of traditional and modern mosques in Iran through the method of analyzing the content of texts and in a conceptual model. Then, in a comparative method, the common patterns of these systems have been explained at all three levels. The common features at the elemental level included double-edged signs, the notion of sign value, as well as syntagmatic relations. Concepts such as the two-way functioning of the systems, textuality and spatial cohesion were identified at the structural level. The concepts of marking, explicit and implicit meanings, and metaphors were investigated at the semantic level of the architecture of the mosques. In the following, the variables were categorized in tables based on the concepts and the data were analyzed through inferential analysis. Then, the findings were coded based on the indices of each variable. On this basis, it became clear that the common patterns, the mental forms of the language sign system can be translated into the physical forms of the architecture system through representation. The respondent also reads or interprets based on a picture or a represented form when confronting the representation. The research findings indicate that readings are based on the collective language and interpretations are based on the individual’s personal language. In the meantime, the cultural, historical, and ethnic contexts, as well as the role of mass media are of high prominence.