مطالب

Economic crisis imposes extensive losses on banks and credit institutions, thereby increasing their credit risk and dissolution. In fact, the economic conditions of countries are the major cause of financial stress, the destructive effects of which can greatly be reduced by accurate risk management in the banking system. This study aims to examine stress testing in the Iranian banking system by using the data of Iranian banks from 2008 to 2017. The results in the panel VAR framework and Monte Carlo simulation by using macroeconomic variables and credit risk show that the Iranian banking system is mostly affected by the scenarios of long-term shock in the macroeconomic factors of the country. In other words, changes in one period of the variables have a minimum effect on credit risk. However, a three-period horizon of interest rate and the inflation rate has the maximum effect, while economic growth has the minimum effect on the degree of default in Iranian banks.

Teacher written feedback (TWF) has received growing attention from researchers and teachers. Although TWF arguably targets multiple dimensions of students’ writing, research to date has largely focused on the relationship between written corrective feedback and language development. More research is needed to understand TWF more holistically and as a two-way social process (Storch, 2018). As such, it is important to understand students’ perspectives on TWF in different instructional contexts. The present study explores Vietnamese EFL students’ perceptions of TWF practices and their preferences for TWF. Data was collected from 97 English-major students in a Vietnamese tertiary setting by means of a questionnaire and follow-up interviews. The findings show that while TWF tended to weigh more on the linguistic end of the form-meaning continuum, students preferred TWF to target both form and global issues of content/idea development and writing style. However, students were divided in their preferences for comprehensive/selective feedback and for direct/indirect feedback. Although students were aware of the necessity of revising their writing upon reception of feedback, they reported different post-feedback actions. Above all, students’ preferences and expectations were underpinned by their own beliefs about the values of TWF that encompass both cognitive/non-cognitive and affective dimensions. The study offers important pedagogical implications for planning written feedback in writing instruction.

This study investigated rhetorical functions and their associated linguistic realizations in English review article abstracts. The analysis was based on a corpus of 100 English review article abstracts from linguistics and applied linguistics disciplines and followed a corpus-driven discourse analytic top-down approach. MAXQDA and WordSmith were used to code the moves and analyze their associated sub-corpora, respectively. The results of calculating range and frequency distributions showed that English conceptual review article abstracts use a rhetorical structure, different from that of research paper abstracts. This rhetorical organization is realized through a different set of moves, namely 1) establishing the territory or area of study, 2) identifying the problem, 3) introducing the present research, 4) organizing the paper, and 5) concluding or reflecting. Moreover, each move was realized through a distinct set of sub-moves. In terms of range, the moves dealing with purpose and structure were the most widely present moves; in terms of frequency distribution, the move dealing with structure was the most frequent. Furthermore, the highly frequent use of plural self-mentions indicates that in review article abstracts the emphasis is on research as a group activity inclusive of the researcher(s) and objects of study. In addition, the presence of ‘establishing the territory’, together with ‘identifying the problem’ can be seen as an attempt to sell the research. Finally, the prevalent use of the five moves showed that most review article abstracts are indicative-informative in function

Writing as one of the important skills needed for communication has always been the topic of research in English teaching contexts. To improve the writing of English students, teachers employ different methods. This study was designed to investigate the impact of the inquiry learning method on the grammatical accuracy of Iranian EFL learners’ writing. To do so, 90 intermediate EFL learners from Abadan Medical University were selected through the Oxford Placement Test (OPT) and participated in a quasi-experimental study, and then they were randomly divided into experimental and control groups (EG & CG). Their ages ranged between 20 to 30. A pretest was administered to compare the results of their performance at the beginning of the study. The inquiry learning method was taught to the EG as the treatment, while the conventional method was employed for the CG. In the experimental class, the teacher did not teach everything directly, and the learners were expected to discover the knowledge and generate rules, but the presentation of materials in the CG was conventional without any discussion, and the students in the CG were mainly passive. After the instruction, a posttest was given to both groups to observe the impact of the inquiry learning method on the grammatical accuracy of their writings. The analysis of the data was accomplished through the application of a dependent sample t -test and an independent-samples t- test to compare the mean scores, and the results indicated that the inquiry learning method improved the EGs̕ writing, and they outperformed the CG. The findings of this study could have implications for the EFL learners, teachers, and material designers that may help them in EFL language learning and teaching.

Textbook evaluation seems to be inevitable where textbooks are the main source of teaching and learning processes. This study aimed to investigate to what extent ''Vision 3'' (the last volume of the English book series entitled “English for schools”) has the characteristics of a CLT syllabus based on teachers’ points of view. To fulfill the objectives of this study, 60 male and female high school English teachers, teaching at different high schools answered an online questionnaire adapted from AbdelWahab (2013) which is a 3-point Likert scale checklist (i.e. poor, satisfactory, & good). The design of the scale enabled the researchers to evaluate the book in terms of four main criteria including; (1) physical and utilitarian attributes, (2) efficient outlay of objectives and supplementary materials, (3) learning/teaching content, and (4) language skills. The analysis of the data indicated that EFL teachers had a positive attitude towards the English textbook based on the CLT principles except for cultural considerations. The conclusion indicates that the book needs to be modified to include some aspects of cultural values about the target language culture. The results can guide the teachers, syllabus designers, textbook writers, evaluators, and curriculum designers in their planning and designing of future textbooks.