درخت حوزه‌های تخصصی

The core goal of this study was to simulate the share and predict the current and non-current receivables in Shahr Bank using an agent-based approach. To this end, we employed the data related to the examined features in 11 bank branches aimed at determining the degree of importance of each of the factors affecting the repayment behavior of borrowers using the C5.0 algorithm, the decision tree method, and the simulation process in NetLogo software. We utilized the comparison of the repayment status of a sample of 100 customers over the past year (12 months ago) and at present aimed at assessing the simulated model. The estimation results of the simulation model, as well as the real findings, suggested that the number of type 1 customers (with active repayment status) has decreased during the last 12 months and the number of type 2 customers (with past due repayment status) has enhanced. If the economic recession conditions continue the same way, and considering the low effect of the recession conditions on the businesses of the bank''s customers in the next four years, then, the ratio of the bank''s current customers will decrease from about 89% to about 81%, while the ratio of the past-due customers of the bank will increase to more than double to about 13%. In the next step, we tried to simulate the future situation of the ratio and the share of the current bank customers'' claims in the next 4 years.

The aim of this study was to identify the challenges of the business model of small and medium enterprises in the path of digital transformation during the Covid 19 epidemic. The research is applied in terms of purpose and descriptive-survey in terms of method. For this purpose, first, using the literature review, the challenges of the business model in the path of digital evolution during the Covet 19 epidemic have been identified, then in order to sift and consensus of the components extracted from the literature, the Delphi method was used in two rounds. The Delphi panel consisted of 30 experts in the field of research who were selected by purposive sampling. In the next step, in order to ensure the factor structure and validity of the structures, and to fit the model using the field method and distribution of questionnaires, a survey of senior managers of small and medium companies in Tehran was conducted. The sample size was determined using the sample size method required for modeling structural equations, 200 people, and finally 162 questionnaires were selected using a simple random method. Smart PLS software was used to analyze the data. Findings indicate 23 sub-components in 6 main components of change challenges, market challenges, financial, organizational, individual and environmental. The results also showed that the factor of "lack of necessary infrastructure" has the highest priority,"lack of government support during the Pandemic" and "lack of intangible resources(experience,knowledge,flexible manpower) for digital transformation" are in the next ranks.

Considering that today's competitive environment is growing and the movement of organizations towards complexity and dynamism has started, the ability to learn earlier and faster than competitors will be the only relative advantage in the next decade and should The prospects and long-term and short-term contributions of organizations should be examined in a different way, and creativity, innovation along with the use of current information should be an inseparable part of managers' decision-making, and only an organization can claim superiority and success that To use the capabilities, commitment and learning capacity of employees at all levels of the organization in the best way. Based on this, the current research has studied the Board influence on the role of environmental innovation in the success and stock price risk. The statistical population of the research is all the Companies listed in Tehran Stock Exchange to the stock exchange, the period from 2014 to 2019 and the sample is 153 companies. Based on the investigations, the findings showed that environmental innovation has a positive and significant effect on the company's long-term success, and with the Board influence in the company, the role of environmental innovation on the company's long-term success shows a better effect. Also, environmental innovation has a positive and significant effect on the company's success in the short term, and with the Board influence in the company, the role of environmental innovation on the company's short-term success becomes more colorful (intense). Finally, environmental innovation has a negative and significant effect on the Stock price risk in the long run.