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.

Religious tourism is a kind of tourism that nowadays is defined by the elements of the spiritual motivation of the tourists rather than the destination of this tourism. This paper aims to introduce The Eye of Insight Islamic mysticism and Third Eye in the philosophy of the East and to investigate the importance of opening these eyes in creating the sense of spirituality for the tourists. Results showed that both in Islamic mysticism and in the philosophy of the East, human perfection has been depicted as a journey from material world to the world of meaning. In this regard, seekers are recommended to open eyes of their hearts in order to contemplate on nature and explore the meaning hidden in it. Relying on such an approach helps the tourists correct their attitudes toward nature based on this ideology and is effective in the individual and ethical perfection of the tourists. It has also abundant effects in collective and global scale since it can prevent the negative effects of the view that considers nature as a means for enjoyment and consumption which is frequently seen in mass tourism. This approach is also useful in sustainable tourism and protection of natural resources.

There has not been presented any comprehensive index for Corporate Governance in spite of its crucial role in resolution and responsiveness. Although diverse methods have been sought for measuring the Corporate Governance in the previous studies, in this study, a comprehensive index is proposed for measuring Corporate Governance taking other indexes into account through mathematical equations. For testing the designed model’s functionality, a set of data related to 149 firms from 2014 to 2019 has been used jointly, too. To do so, a questionnaire, which asks the experts their idea about the weight and significance of the criteria of measuring the Corporate Governance of the firm, is made and distributed and the weight and significance of the criteria were determined through one method of multi-criteria decision model (Shannon Entropy). To measure the changeable hidden relationship which exists in this study of the Corporate Governance, provided with the measurement items, a confirmatory factorial analysis was taken, too; results show that the supposed model has been a proper index for Corporate Governance. This mixed index includes criteria such as the board of directors' size, independence, meetings, and its education, the CEO's permanence, the size, independence, financial specialty, financial experience, tenure and the meetings of the auditors hip committee, ownership concentration, organizational ownership, governmental ownership, deals with the dependent persons, the quality of the disclosure, proper information and weaknesses if the internal controls,