فهرس المقالات foundation factor simulation حرية الوصول المقاله صفحة الملخص نص كامل 1 - Modeling of Overdue Receivables in the City Bank Using Factor-based Simulation (Northwestern Provinces of the Country) davoud norouzi alireza bafandeh zendeh morteza honarmand azimi 10.30495/jsm.2022.1943442.1560