List of Articles davood norouzi Article 1 - Modeling of Overdue Receivables in the City Bank Using Factor-based Simulation (Northwestern Provinces of the Country) 20.1001.1.23222301.2022.8.2.1.5 10.30495/jsm.2022.1943442.1560 davoud norouzi alireza bafandeh zendeh morteza honarmand azimi Journal of System Management , Issue 2 , Year , Spring 2022