مطالب

Objective: Family functioning is one of the structures that can have a significant impact on the psycho-social functioning of its members. For this reason, identifying the factors affecting it will greatly help to improve the family's performance. The purpose of the current research was to develop a causal model of Family function based on psychological Hardiness and Psychological capital through Persistent psychological symptoms post-COVID-19 Syndrome. Methods:  The statistical population of the present study was men and women of Karaj and Tehran provinces in 2023 who had at least one history of contracting COVID-19. From the statistical population, using an available sampling method, 395 eligible individuals were selected to participate in the research and complete the research questionnaires. In this research,  Kobasa's Psychological Hardiness questionnaires, Depression, Anxiety, and Stress Scale (DASS-21), Corona Disease Anxiety Scale (CDAS), Corona Stress Scale (CSS-18), suitable for the Iranian lifestyle, and the Questionnaire of Family Functioning were used. The collected data were analyzed using the structural equation analysis method in Amos software (0.084). Results: The findings of this research indicated that Psychological Hardiness directly (0.085) and indirectly through psychological symptoms after COVID-19 (p<0.05) was able to significantly predict family functioning. Conclusion: According to the findings of this research, it seems that strengthening personal psychological structures in the face of environmental stressors can improve people's performance in dealing with these conditions.

One of the most important determinants of bank profitability is the bank's financing strategy. Therefore, banks must continuously innovate to design and implement new financing instruments. Among these, Islamic financial instruments—particularly sukuk—play a significant role. The present study investigates the impact of sukuk on different levels of profitability (low, medium, and high) for 24 Islamic banks and 12 conventional banks, considering additional control variables such as GDP growth and inflation. The analysis covers the period 2003–2023 and specifically examines the role of the 2008 global financial crisis. Using dynamic panel quantile regression, the findings reveal that during the crisis, the expansion of the sukuk market positively influenced the profitability of conventional banks but negatively affected Islamic banks, with the strongest reduction observed among banks with low profitability. In contrast, outside the crisis period, sukuk development shows a mixed effect: negative for both Islamic and conventional banks at low and high levels of profitability, while remaining neutral in the middle quantiles.

Forfaiting, as one of the modern instruments of international trade finance, enables the conversion of medium- and long-term receivables into immediate liquidity while transferring the full spectrum of political, commercial, and credit risks to financial institutions. This method has played a significant role in facilitating transactions and enhancing the competitiveness of exporters in many countries, particularly in emerging economies. Despite these advantages, no clear institutional and legal framework has yet been developed for its implementation in Iran, and the existing research has largely been confined to theoretical and legal aspects. This gap highlights a critical research necessity, the examination of which can contribute to financial and trade policymaking in the country. The purpose of the present study is to assess the feasibility of establishing a forfaiting institution in Iran’s financial market and to analyze its effect on reducing investment risk. The research is applied in nature and conducted through a descriptive–survey method. The statistical population consisted of 152 experts in the monetary and banking sector as well as financial market practitioners, with data collected using a structured questionnaire. The validity of the instrument was confirmed by experts and statistical criteria, while its reliability was verified through Cronbach’s alpha and composite reliability values exceeding 0.7. The collected data were analyzed using SPSS (version 24) and SmartPLS software. Within this framework, four main dimensions—risk reduction, risk coverage, operational mechanism, and institutional framework—were examined as determinants of the feasibility of forfaiting.