• List of Articles Banks

      • Open Access Article

        1 - بررسی معنویت در محیط کار و بهره‌وری نیروی سازمانی در بانک گردشگری
        zahra amirhosseini shadi ghobadi
        The present study is considering the effect of spirituality in the workplace on organizational efficiency of the Bank 's tourism . Spirituality in the workplace is a significant component of the work , a feeling of solidarity and harmony with the values ​​of the organiz More
        The present study is considering the effect of spirituality in the workplace on organizational efficiency of the Bank 's tourism . Spirituality in the workplace is a significant component of the work , a feeling of solidarity and harmony with the values ​​of the organization. The study is descriptive . The population of this research is all the employees of Tourism Bank . The instrument was questionnaire. The data analysis was performed using SPSS and Lisrel softwares . Survey results showed that the there is significant relationship between spirituality in the workplace and organizational productivity. Manuscript profile
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        2 - The effect of non-commitment condition on banks' exemption in documentary documents
        mohammad reza bagheri jafar jamali ali zare
        10.30495/jlap.2022.20407
        Abstract:Given the importance and application of this condition in banking contracts and its impact on the realization of liability or exemption of banks, it is necessary to study the concept, effects and scope and the possibility or impossibility of invoking this condi More
        Abstract:Given the importance and application of this condition in banking contracts and its impact on the realization of liability or exemption of banks, it is necessary to study the concept, effects and scope and the possibility or impossibility of invoking this condition. The question is, is such a binding condition known due to the bank's trust? How to combine it with the security duties and inherent commitment of banks to the customer's interest is also an ambiguity about which no comprehensive and independent research has been done, and at the same time, the answer is effective in fulfilling the responsibility or exemption of banks and customer rights. The ambiguity of this condition and its imposition can be criticized and pave the way for numerous lawsuits.The research method is descriptive-analytical and in terms of data collection, it is library.Considering the basis of civil liability of banks, in any case where the mentioned condition is in conflict with the trustworthiness and inherent obligation of the banks to review the documents and pay the credit, there should be no hesitation in not paying attention to this condition and deviating from it. It can be a document for breach or non-observance of the obligation to the bank and exemption from liability.Keywords: Letter of credit, non-liability condition, imposed conditions, serious fault, banks' exemption from liability Manuscript profile
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        3 - The Effect of Liquidity Risk and Credit Risk on Financial Stability Banking industry in Iran; Multiple regression approach
        Moosa Bozorg Asl Farrokh Barzideh Mohammad Taghi Samadi
        The impact of different risks is of great importance in banking industry on financial sustainability, given its functional entity. Given the lack of consensus on the relationship between financial risks in banks, in particular, in credit risk and liquidity in banks, thi More
        The impact of different risks is of great importance in banking industry on financial sustainability, given its functional entity. Given the lack of consensus on the relationship between financial risks in banks, in particular, in credit risk and liquidity in banks, this research investigates the relationship of these two types of risks and their impacts on financial sustainability in banking industry in Iran during 2005-2014 with panel data method. In this regard, in order to investigate the impact of liquidity and credit risks on financial sustainability, Quintile regression method. The results indicate the negative and significant impact of these two types of risks on financial sustainability in most reviewed decimals. This means that with an increase in financial sustainability, the impact of these two types of risks is reduced. In other words, those banks placed in the higher decimals of sustainability distribution are affected less by credit and liquidity risks. Manuscript profile
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        4 - Investigation of the Effect of Interest Rate and Investment Rate on Iran Economic Growth
        Sina Nematizadeh Mahdiye Siydall Mosavi
        This paper investigates the effect of interest rate and investment rate onIran economic growth using data from 1376 (1997) to 1386 (2007).,Atfirst we calculated the Interest rate, Investment rate and Iran economicgrowth, the related result is analyzed by SPSS14 and Evie More
        This paper investigates the effect of interest rate and investment rate onIran economic growth using data from 1376 (1997) to 1386 (2007).,Atfirst we calculated the Interest rate, Investment rate and Iran economicgrowth, the related result is analyzed by SPSS14 and Eview3 software.The result suggested that there is a positive correlation between interestrate and economic growth but there is no positive correlation betweeneconomic growth and investment rate .this paper also suggested that thereis no relationship between interest rate and investment rate Manuscript profile
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        5 - Investigating the effects of financial development, economic stability and efficiency of cooperative contracts of banks during recession and prosperity
        Mohsen mirzasaf Marjan Damankeshideh manizheh hadinejad alireza daghighi mohammadreza mirzaeinejad
        10.30495/jfksa.2023.22388
        Financial development and stability and their relationship with economic growth are important and influential issues on economic growth. Therefore, economic experts have investigated this issue in many researches by applying various conditions. The purpose of this resea More
        Financial development and stability and their relationship with economic growth are important and influential issues on economic growth. Therefore, economic experts have investigated this issue in many researches by applying various conditions. The purpose of this research is to investigate the effects of financial development, economic stability and efficiency of government cooperative contracts during recession and prosperity, which done by applying the Markov switching regime change approach based on the annual data of Iran's economy during the period of 2016-2018. The results of the model estimation show that the variables of financial and oil crises, economic and financial risk, inflation in both periods of prosperity and recession have a negative effect on the efficiency of cooperative contracts. The results show the probability of transition from one regime to another regime and the duration of the regime, if Iran's economy is in a recession at time t, it will remain in the same state despite economic and financial risks and financial and oil crises. Also, there is a 0.80 probability that Iran's economy will return to the state of recession due to other factors. The amount of exposure of Iran's economy to the period of stagnation in the current research is 21 periods against 9 periods of prosperity. Manuscript profile
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        6 - Pathology And Providing a Model Of The Development Of Administrative Ethics In Governmental Organizations (Case Study: Iranian Governmental Bank)
        Javad Shamsipour Abolhassan Faghihi Reza Najaf Beigi mohammad javad kameli
        10.30495/ijfaes.2023.73912.10138
        Manuscript profile
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        7 - Design and Formulate a Conceptual Framework for Sustainable Development in Iranian Governmental Banks with the Delphi Technique and Shannon Entropy Approach
        mohamad ali jafari gorji Reza Najaf Beigi Abolhassan Faghihi mohammad javad kameli
        10.30495/ijfaes.2023.73510.10133
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        8 - Determinants of interest free banking service in Ethiopia: The case of Commercial Bank of Ethiopia, Bale Robe, Ethiopia
        Yohannes Seifu
        Manuscript profile
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        9 - Essays on Loan Disbursed to Microfinance Institutions by Financial Institutions: Insights from India.
        Ashraf Rehman
        Manuscript profile
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        10 - Performance Analysis of Banks and Microfinance Institutions in India
        K. Pal Narwal S. Pathneja M. Kumar Yadav
        Manuscript profile
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        11 - A Comparison of the Customer Relationship Management Strategies of Nigerian Banks and Insurance Companies
        Ayodele Fagbemi Folake Olowokudejo
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        12 - Performance of Credit Risk Management in Indian Commercial Banks
        A. Singh
        Manuscript profile
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        13 - Leadership Style and Job Satisfaction of Greek Banking Institutions
        D. Belias A. Koustelios A. Gkolia
        Manuscript profile
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        14 - Impact of Readiness for Change on Organizational Change of Banking Sector in Salem District
        P. Anjani
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        15 - Investigating the Impact of Managers Personal Branding On Building Level Five Leaders (Case Study: of Government Banks)
        Karim Esgandari Mojtaba Ramazani samane goli
        Personal branding helps a person to achieve his goals, with which individual placement can be achieved and positioned on competitors. A personal brand is valid when there is a common unity in the behavior of individuals. Not having a personal perspective, personal knowl More
        Personal branding helps a person to achieve his goals, with which individual placement can be achieved and positioned on competitors. A personal brand is valid when there is a common unity in the behavior of individuals. Not having a personal perspective, personal knowledge, personal learning, thinking, trust, and interest are like having no personal brand. Therefore, a personal brand for managers can be considered as merit. The issue of bank managers is of paramount importance with regard to competition between banks. Hence, the main purpose of this study is to examine the effect of individual brand managers on the creation of fifth-level leaders. To reach this statistical society, the heads of government bank branches in the East Azerbaijan province conduct the research. Based on snowball method, 128 people were selected as sample size. The required information was collected through a researcher-made questionnaire. The reliability of this questionnaire was calculated using Cronbach's alpha of 0.85. Finally, the conceptual model is fitted using structural equation modeling and Laser Level software. The result of the research also indicates the significant effect of the personal brand on managers on the fifth level. Manuscript profile
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        16 - The effect of business intelligence on financial performance with the role of mediating brand value and creativity (Case study of private banks in Khuzestan province)
        hashem Rashidi goghakhor ali Rezaian
        10.30495/jomm.2022.60249.1807
        The present study was conducted with the aim of the effect of business intelligence on financial performance with the mediating role of brand value and creativity of private banks in Khuzestan province. The research was applied in terms of purpose and descriptive-survey More
        The present study was conducted with the aim of the effect of business intelligence on financial performance with the mediating role of brand value and creativity of private banks in Khuzestan province. The research was applied in terms of purpose and descriptive-survey in terms of method. The statistical population in this study consists of all employees of private banks in Khuzestan province that 1000 employees were considered as the statistical population and the sample size was selected using the Cochran's formula of 287 employees; And is simple using the random method; And standard financial performance questionnaires of Qaranfleh et al. (2010), Popovij et al. (2020) business intelligence questionnaire, Sin and Verma brand sharpening questionnaire (2017) and Doriji et al. (2001) creativity questionnaire were performed on them; Using Cronbach's alpha test, the reliability of financial performance questionnaire (0.86), business intelligence questionnaire (0.85), brand equity questionnaire (0.85) and creativity questionnaire (0.86) were obtained. The collected data were analyzed using SPSS software version 24 and from descriptive statistics (mean, standard deviation, etc.) and for structural equations from AMOS software, the results showed. Business intelligence affects the financial performance of private banks. Also, business intelligence with the mediating role of brand equity and creativity has a positive and significant effect on the financial performance of private banks in Khuzestan province. Manuscript profile
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        17 - Comparing Market Orientation in Parivate and Governmental Banks and its Effect on Bank Service Quality (Case Study: Yazd City)
        Sh. Nayebzadeh
        The main purpose of this research is Investigation market orientation in private and government banks and its effect on customer perception of perceived service quality; According to this goal private and government banks in Yazd have studied as statistical society. The More
        The main purpose of this research is Investigation market orientation in private and government banks and its effect on customer perception of perceived service quality; According to this goal private and government banks in Yazd have studied as statistical society. The present research method is correlation and applied research. Data analysis was done by using test t, a Wilcoxon rank test to compare means, Mann-Whitney test, Kruskal-Wallis test and Friedman's rank test and Pierson correlation test. The results of this investigation showed that there aren’t significance differences between market orientation extent in private and government banks, and between market orientation customer’s perceptions of bank's service quality significance linear relationship was not considered.   Manuscript profile
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        18 - Judicial-Legal Relationship between Cryopreservation Applicants and Their Frozen Gametes in Cryopreservation Banks
        Nazli Mahmoodian Seyyed Mohammad Reza Ayati Mahmood Abbasi
        Although the development of medical knowledge about human and his organs has caused  better life but some of them caused legal and ethical problems. One of this aspects is Cryopreservation. Nowadays, inside of freezing human organs  complete freezing of whole More
        Although the development of medical knowledge about human and his organs has caused  better life but some of them caused legal and ethical problems. One of this aspects is Cryopreservation. Nowadays, inside of freezing human organs  complete freezing of whole body is possible, too. That one of its important utilization is human gametes freezing that causes complex jurisprudent, legal, ethical, and social problems. Determination of legal persons for decision about the frozen gametes fate is one of this problems. According to the legal nature of frozen gametes and considering them as property, and as the human gametes are one part of the organs of his body, all of theories about relation between man and his body in law is true in relation between man and his gametes. So, there is a ownership relation between the man and his frozen gametes. Therefore, only the gamete owners can decide about their fate. For having decision about the abandoned frozen gametes the Cryopreservation centers try to have contacts whit gamete owners, but when there is no accessibility to their owners, then they ask the inheritors to decide about them, so if they be inaccessibility situation after that in order to determine their fate as properties, the governor is permitted to make decisions about their disposal or donation for researches. Manuscript profile
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        19 - Investigating the relationship between total quality management and financial performance of banks, insurance companies, and active investment companies in Iran.
        Ahmad Ahmadpour Amir Soodbakhsh
        The purpose of this research is investigating the relationship between total quality management and financial performance of banks, insurance companies, and active investment companies in Iran. The studied population is banks, insurance companies and investment companie More
        The purpose of this research is investigating the relationship between total quality management and financial performance of banks, insurance companies, and active investment companies in Iran. The studied population is banks, insurance companies and investment companies, and due to the limitation of access to the information of all of them and the necessity of obtaining accurate data, 10 banks, 5 insurance companies and 16 investment companies which were accepted in Tehran Stock Exchange, were selected as samples. In order to investigate and test the research hypothesis, SPSS and Amos software, Kolmogorov-Smirnov test, structural equations modeling, Pearson correlation and multiple regression analysis were used. The results of this study showed that there is a significant and positive relationship between the seven dimensions of total quality management (including leadership, continuous improvement, internal and external partnerships, focus on customer, process management, staff achievements and learning) and financial performance, and thus, between total quality management and financial performance of banks and insurance companies and investment companies. Manuscript profile
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        20 - The Effects of Corporate Governance on financial soundness of Iran commercial banks
        Hamid Tabaiezade Fesharaki mohammad Ebrahim MohammadPour Zarandi Mehrzad Minouei
        The recent financial crisis has induced many discussions about stability of financial system, which is naturally dependent primarily on banks. Bank stability issue became crucial for both depositors and governments of different countries. This paper focuses on the corpo More
        The recent financial crisis has induced many discussions about stability of financial system, which is naturally dependent primarily on banks. Bank stability issue became crucial for both depositors and governments of different countries. This paper focuses on the corporate governance of banks. In this paper we discuss the state of corporate governance in Iranian commercial banks and try to find a link between corporate governance mechanisms and financial stability indexes. We use Structured Estimation Modeling (SEM) and find that there are some relationships between auditing quality measures, characteristics of CEO and board of directors as measures of corporate governance mechanisms and asset quality measures, efficiency measures, profitability measures, liquidity measures and capital sufficiency as measures of financial stability in Iranian commercial banks. We report that the finding can improve the governance roles and performance evaluation of Iranian commercial Banks. This findings provide useful contributions for managers in making decisions in banking industry Manuscript profile
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        21 - Systematic research review of bank mergers in Iran and the world
        amir ehsani mehrzad minooei zadalah fathi
        Merger in banks or in other words, merger policy is one of the major issues in the banking sector that has been undertaken successfully worldwide with the aim of preventing bankruptcy, improving profitability and so on. A merger is a combination of two or more firms and More
        Merger in banks or in other words, merger policy is one of the major issues in the banking sector that has been undertaken successfully worldwide with the aim of preventing bankruptcy, improving profitability and so on. A merger is a combination of two or more firms and, like an acquisition, is such that the acquiring firm assumes responsibility for the assets and liabilities of the acquired firm or firms, furthermore, a departmental overlap may arise with the acquisition of a firm or bank. Since this issue is of great importance and sensitivity, it is very important to understand this process, its dimensions and types, and to use a new and efficient approach to implement this policy in the best way possible. Therefore, an attempt has been made in this study to provide suitable suggestions and solutions for banking mergers and then present a new and innovative method in this field, which is accompanied by a review of all relevant aspects, using the systematic review method to address this issue. Manuscript profile
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        22 - The relationship between banks’ financial corruptions news and banks’ stock price and subsidiaries firms
        zahra dianati dalami Ahmad Heshmati
        Financial corruption has a profound effect on economic growth, the optimal allocation of resources and active decision-makers of the capital market. The main purpose of the present research is to investigate the relationship between the publication of financial corrupti More
        Financial corruption has a profound effect on economic growth, the optimal allocation of resources and active decision-makers of the capital market. The main purpose of the present research is to investigate the relationship between the publication of financial corruption news on stock prices of banks and their affiliated companies. In order to collect data, the library method and the historical information in the stock exchange library and stock trading prices at the TSETMC site were used during the period from the beginning of 2011 to the end of 2017. The hypothesis test has been used in 14 news stories using the paired comparison test method for 25 banks and 17 companies that have been admitted to Tehran Stock Exchange or OTC in Iran. The results of the research indicate that there is no significant relationship between the publication of financial corruption news and stock prices of the respective banks, also this relationship has been no significant in relation to the stock prices of subsidiaries of banks and other banks accepted in Tehran Stock Exchange or OTC in Iran. Manuscript profile
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        23 - Liquidity Trap in Iranian Banks (Based on Indexing of Key Ratios)
        fahimeh baghani Fraydoon Rahnamay Roodposhti
        Today, economic crises and financial market uncertainties affect the stability of institutions and banks, which, as a result of instability from the financial sector, has led investors to achieve satisfactory returns with different constraints Has encountered an environ More
        Today, economic crises and financial market uncertainties affect the stability of institutions and banks, which, as a result of instability from the financial sector, has led investors to achieve satisfactory returns with different constraints Has encountered an environment. The field of financial affairs in today's world is one of the major challenges facing third-world organizations and societies, and we are witnessing the emergence of crises that we are always seeing. Appropriate and timely decisions in this area are very effective in preventing economic, social, cultural and political harm, and plays an important role in creating peace and prosperity in the community. Making the right decision in the financial arena can be considered one of the most important skills of successful managers. In this paper, we try to introduce and explain a model for predicting banks' liquidity trap using financial statements data by collecting information and financial ratios of banks and credit institutions in Iran with the rial approach. Manuscript profile
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        24 - Bank opacity and efficiency of stock prices
        Heyedeh Erfani Ali Rahmani Alireza Heidarzadeh Hanzaee
        This research investigates the effect of opacity on the delay of the stock price (Tehran stock exchange and Iran Farabourse) reactions in the banks and other companies in Iran Capital Market. The proxy of opacity has been considered the spread (bid – ask gap). Hou More
        This research investigates the effect of opacity on the delay of the stock price (Tehran stock exchange and Iran Farabourse) reactions in the banks and other companies in Iran Capital Market. The proxy of opacity has been considered the spread (bid – ask gap). Hou and Moskowitz's (2005) model was used to calculate the price delay reaction. Moreover, considering the importance of economic conditions, the impact of periods of boom and stagnation (GDP) on this relationship was also investigated. The research sample consisted of banks listed in Iran Capital Market as well as companies whose market capitalization is equal to 25% of the average market value of banks. The time period was from the beginning of 2009 to the end of September 2016. The hypotheses were tested using panel data. The results indicated a significant relationship between reaction price delay and spread, which confirmed the effect of opacity on the delay price reactions. The results also showed that there is no significant difference between the stock price delay reaction of banks and other companies while there is a significant relationship between economic conditions and delay price reactions. Manuscript profile
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        25 - Investigation Of The Relationship Between Corporate Governance And Profitability Indexes Of Investment In Iranian Commercial Banks.
        mohamad ebrahim mohamadpur zarandi Mehrzad Minouie hamid tabaiezadeh fesharaki
        This paper focuses on the corporate governance and profitability indexes of investment in iranian commercial banks. In this paper we discuss the state of corporate governance in Iranian commercial banks and try to find a link between corporate governance mechanisms and More
        This paper focuses on the corporate governance and profitability indexes of investment in iranian commercial banks. In this paper we discuss the state of corporate governance in Iranian commercial banks and try to find a link between corporate governance mechanisms and those indexes. We found that there are some relationships between auditing quality measures, characteristics of CEO and board of directors as measures of corporate governance mechanisms and asset quality measures, efficiency measures, profitability measures, liquidity measures and capital sufficiency as measures of profitability indexesof investment in Iranian commercial banks. We report that the finding can improve the governance roles and performance evaluation of Iranian commercial Banks. Manuscript profile
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        26 - Lending fluctuations in modeling monetary policy relationships, capital structure and banks' risk-taking
        ایوب تابانی حسین بدیعی Saeed Moradpour محمد حسین رنجبر
        Monetary policy can affect the position of banks, including their risk-taking. In implementing monetary policy, the central bank can directly use its regulatory power or indirectly use its influence on money market conditions as a powerful money issuer. Therefore, the p More
        Monetary policy can affect the position of banks, including their risk-taking. In implementing monetary policy, the central bank can directly use its regulatory power or indirectly use its influence on money market conditions as a powerful money issuer. Therefore, the purpose of this study is lending fluctuations in modeling the relationship between monetary policy, capital structure and banks' risk-taking. In this study, the financial information of 21 banks listed on the Tehran Stock Exchange during the years 1391 to 1397 was used. Sampling was performed by systematic removal method. The required data were collected from the financial statements of companies, Rahavard Novin Tadbir Pardaz software and also from the site belonging to the Stock Exchange Organization and the sites www.rdis.ir and www.irbourse.com as well as the site of the Central Bank. . Excel software has been used to classify the data. Also, after classifying the research data, Eviews10 software has been used to process the information and test the research hypotheses. The statistical method used in this study was correlational and multivariate regression model was used to calculate the independent and dependent variables and also to test the hypotheses. The results of testing the research hypotheses indicate that there is a significant relationship between monetary policy, bank lending fluctuations, capital structure and banks' risk-taking. In the study of control variables, the determination of the ratio of assets to equity of banks has a significant relationship with fluctuations in bank lending. Manuscript profile
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        27 - Evaluating the performance of private sector banks in Iran based on financial ability indicators using the fuzzy multi-criteria decision making method
        Akbar Eftekhari Aliabadi Morteza Momen
        10.30495/jik.2024.23167
        The main goal of the current research is to evaluate the performance of private sector banks in Iran based on financial ability indicators using the fuzzy multi-criteria decision making method. The current research is from the point of view of applied-developmental natu More
        The main goal of the current research is to evaluate the performance of private sector banks in Iran based on financial ability indicators using the fuzzy multi-criteria decision making method. The current research is from the point of view of applied-developmental nature and from the point of view of survey method, and in terms of the nature of the data, it is of qualitative type.In this research, indicators and options for evaluating with the help of reviewing the literature of various studies, using fuzzy Delphi methods, paired comparison matrix and fuzzy TOPSIS by presenting 3 questionnaires in 3 stages among 36 people The statistical sample was analyzed. The results showed that the indicators of interest income to total funds, operating profit to total funds and interest spent to total funds should be removed.According to the results of the matrix of paired comparisons, the index of the coverage ratio of financial expenses is the most important and the index of operational expenses to total funds is the least important index. According to the fuzzy TOPSIS results, based on the weights obtained from the pairwise comparison matrix, Carfarin Bank, Ansar Bank and Pasargad Bank ranked 1st to 3rd respectively. The results of this research show that bank managers can help by monitoring and carefully examining the six indicators identified in this research and emphasizing the improvement of the constituent elements of these indicators in terms of improving the quality and increasing the financial strength of the bank. Manuscript profile
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        28 - A Comparative Study of Venture Capital Instruments in Iranian Commercial Banks
        Mohammad Ebrahim Pourzarandi Majid Shahriari
        Venture capital is an interesting area in banks financial decisions and because of its uncertainty, brings lots of challenges. Despite the increasing tendency for banks in this kind of investments, there is not any certain method to analyze the risk and return of ventur More
        Venture capital is an interesting area in banks financial decisions and because of its uncertainty, brings lots of challenges. Despite the increasing tendency for banks in this kind of investments, there is not any certain method to analyze the risk and return of ventures; thus it is neccessary to develop an effective research in this area. Recently, development of the studies about ventures, has facilated conditions for investors and increase the proportion of venture capital in commercial banks portfolio. This paper as a novel study, at first, consider the literature review of financing VC projects and their instruments, and then try to find the usablity of these methods in  Iranian commercial banks in a comparative approach. Manuscript profile
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        29 - Ranking Iranian banks according to corporate governance based on banks documents
        Ali Mahdavi Parsa Marziyeh Nourahmadi
        The aim of this paper is to investigate and analyze the content of documents (including vision, mission, objective, ethic charter and fundamental values) of 36 bank and credit institution operating in the banking system without rabbis from the perspective of corporate g More
        The aim of this paper is to investigate and analyze the content of documents (including vision, mission, objective, ethic charter and fundamental values) of 36 bank and credit institution operating in the banking system without rabbis from the perspective of corporate governance in its categories and concept's. In this paper, after reviewing the literature of corporate governance and previous research on this subject , we review and analysis of documents Iranians banks and exploiting  issues related to corporate governance, and assessing importance of this issue in Iranian banks and finally on this basis we ranking Iranian banks. Our research method is content analysis. The results suggest that attention to corporate governance and its implications in the documents Iranian banks is relatively low, Which reflects the significantly lower level of decision-making banks to corporate governance.    Manuscript profile
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        30 - Accrual Quality Assessment Model in Banking Industry
        Gholamhossein Assadi Bahador Nayebi
        This paper provides a new categorization of balance sheet items for commercial banks by putting them in to financial and operational parts. Results of the study shows that banks with higher net financial assets compared to net operational assets have less incentives for More
        This paper provides a new categorization of balance sheet items for commercial banks by putting them in to financial and operational parts. Results of the study shows that banks with higher net financial assets compared to net operational assets have less incentives for earnings management, which results in higher accruals quality. Furthermore, we have studied the role of loan contract types and capital adequacy on accruals quality. The results show that banks with higher share of fixed-income loan contracts and higher capital adequacy ratio have a better quality of accruals. We also found out that banks which give loans to corporations of leading industries, have less earning management actions, which leads to higher accruals quality. Based on this finding, we have developed a future-looking measure of accruals quality for banks focused on industries which banks put higher portion of the loans on and called it Portfolio Quality Index (PQI).     Manuscript profile
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        31 - مدل BCC تحلیل پوششی داده ها نایقین با درجه باور: یک مطالعه موردی در بانکهای ایرانی
        محمد جمشیدی مسعود صانعی علی محمودی راد قاسم توحیدی فرهاد حسین زاده لطفی
        تحلیل پوششی داده ها (DEA) به عنوان یک ابزار تحلیلی قوی که در اندازه گیری کارایی نسبی گروهی از واحدهای تصمیم گیرنده (DMUs) با  چندین ورودی ها و خروجی ها مورد استفاده قرار می گیرد، شناخته می شود. مدلهای DEA به ورودی ها و خروجی هایی با اطلاعات دقیق نیاز دارند. با این More
        تحلیل پوششی داده ها (DEA) به عنوان یک ابزار تحلیلی قوی که در اندازه گیری کارایی نسبی گروهی از واحدهای تصمیم گیرنده (DMUs) با  چندین ورودی ها و خروجی ها مورد استفاده قرار می گیرد، شناخته می شود. مدلهای DEA به ورودی ها و خروجی هایی با اطلاعات دقیق نیاز دارند. با این حال، در شرایط دنیای واقعی،  ورودی ها و خروجی ها ممکن است ناپایدار و پیچیده باشند،  بنابراین نمی توان به طور دقیق آنها را اندازه گیری کرد. این مسأله منجر به بررسی مدلهای  DEA  نایقین می شود. مدل BCC که در این مقاله مورد مطالعه قرار می گیرد،  در یک محیط نایقین مورد مطالعه قرار گرفته است که در آن ورودی ها و خروجی های نایقین، مبتنی بر درجه باور هستند که  برای مواردی که هیچ اطلاعات تاریخی از یک رویداد نامشخص در دسترس نیست ، مفید می باشند. به عنوان یک روش جواب، مدل BCC نایقین، به طور جداگانه به یک مدل قطعی با استفاده از روشهای مقدار مورد انتظار (EV) و روش محدودیت شانس و مقدار مورد انتظار (EVCC) تبدیل می شود.  سرانجام ، یک مثال کاربردی در مورد سیستم بانکی ایران برای شرح روش پیشنهادی ارائه شده است. Manuscript profile
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        32 - Performing Social Responsibility and Its Reporting Method in the Iranian Banks
        Yaser Sadeghi Reza GholamiJamkarani
        Social and environmental responsibility is inflicted with arbitrary behavior in the Iranian banks because reporting them is optional and there is not a single standard to reassure accountancy services and confirm those reports. The present research relies on content ana More
        Social and environmental responsibility is inflicted with arbitrary behavior in the Iranian banks because reporting them is optional and there is not a single standard to reassure accountancy services and confirm those reports. The present research relies on content analysis, and the data is collected by library study, electronic (email) or face-to-face interviews. The results showed that pivot categories related to the social responsibility of banks include performing social responsibility through their business transactions as well as special attention to social and environmental issues. Moreover, pivot categories related to reporting the social responsibility of banks involve reporting their undertaken social responsibility, reassuring and supervisory services referring to their reports, reforming accountability and transparency procedures, and maintaining moral values. The results indicate the significant importance of performing the banks' responsibility simultaneously with their business transactions and that using these methods can decrease their economic costs. As for reporting social responsibility of the banks, we refer to their effective use of physical facilities available in their branches with the least economic cost to reflect their social and environmental activities as well as the need for the establishment of supervisory institutions to ensure the performance of the social responsibilities. Manuscript profile
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        33 - Providing an intelligent credit risk management system of the bank based on the macroeconomic indicators in the country's stock exchange banks
        Mohsen ziaee Bidhendy Mehrzad Minooee Mirfeiz Fallahshams
        10.22034/amfa.2021.1941377.1636
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        34 - Investigating the role of development banks in fixed investment formation in Iran
        Raziye Ahmadi Ghoochan Atigh mohammad hashem botshekan Abbas Memarnejad Jafar Jamali
        10.22034/amfa.2022.1964597.1780
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        35 - Assessment of the efficiency of banks accepted in Tehran Stock Exchange using the data envelopment analysis technique
        Mehdi Esfandiar Mahmood Saremi Hossein Jahangiri Nia
        10.22034/amfa.2018.540815
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        36 - Designing a Positioning Model for State Banks' Services and its Validation from the Perspective of External Customers
        Zohreh Kian Mehr Hossein Hakimpour Mahdi Mahmoodzadeh Vashan Mohammad Mohammadi
        10.30495/jsm.2021.1942925.1543
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        37 - Prioritizing the Dimensions, Components and Indicators of the Intellectual Capital Model in State Banks with the Competency Approach of Managers
        Abouzar Hatami Ghoushchi Karamolah Daneshfard Abbas Toloui Ashlaghi Fereydon Rahnamay Roodposhti
        10.30495/jsm.2021.1942510.1536
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        38 - Designing a New Behavioral Model of Blockchain Technology Acceptance in Public Banks
        Saba Berenji Maryam Rahmaty Davood Kiakojouri
        10.30495/jsm.2023.1993115.1865
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        39 - Profitability and Effectiveness by Means Two Stage DEA Model in Iranian Bank
        Morteza Shafiee
        Manuscript profile
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        40 - The association of social orientation and social responsibility with moral behavior in banks managers
        حسین سلم آبادی حوریه وطن خواه فاطمه شریفی شیوا ممیز امیر آهنگری ثمینه بهادری جهرمی
        This research aimed to investigate the association of social orientation and social responsibility with moral behavior in banks managers. This study was a descriptive analytical from type of correlation. The population of research included all banks managers of Varamin More
        This research aimed to investigate the association of social orientation and social responsibility with moral behavior in banks managers. This study was a descriptive analytical from type of correlation. The population of research included all banks managers of Varamin and Pishva city in 2016 year. From them 160 person were selected by simple random sampling method and all of them completed the questionnaires of social orientation (Harrison, 2001), social responsibility (Galavandi and et al, 2014) and moral behavior (Swanson and Hill, 1993). Data was analyzed with Pearson correlation and multivariate regression with stepwise model methods. The findings showed social orientation and social responsibility had a positive and significant relationship with moral behavior of banks managers. Also social orientation and social responsibility can predict 33/5 percent of variance of moral behavior of banks managers that in this prediction the share of social orientation was higher than social responsibility (P<0/01). Therefore it is suggest that to improve the moral behavior of banks managers increase the social orientation and social responsibility of them. Also suggest that officials and planners consider the symptoms of mentioned variables and design and implementation appropriate programs to improve the moral behavior of banks managers. Manuscript profile
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        41 - Identification and ranking of intellectual capital components in state-owned banks of the Islamic Republic of Iran
        Behzad Zareian moradabadi Alireza Eslamboulchi kambiz hamidi tohfe ghobadilamouki
        The aim of this study was to identify and rank the components of intellectual capital in state-owned banks of the Islamic Republic of Iran in order to take steps to better manage these investments. This research is in terms of combined method and in terms of exploratory More
        The aim of this study was to identify and rank the components of intellectual capital in state-owned banks of the Islamic Republic of Iran in order to take steps to better manage these investments. This research is in terms of combined method and in terms of exploratory-applied purpose. The statistical population of the study was the senior managers of state-owned banks in the country, and 17 of them were selected as sample members using the snowball sampling method. The results of the research consist of 2 parts: in the first part, a set of intellectual capital was identified and in the second part, the importance and priority of each capital was determined. Due to structured interviews with experts, the use of experts' opinions in conducting interviews and the fact that the difference between the fuzzy mean of the two stages is less than 0.1, the present study has good reliability, so in the present study, experts, experts and Were experts in the field of research, as a result of the research, the content is valid. The results show that the components of human capital, organizational intelligence, competitive intelligence, value creation, customer orientation, relationship capital, structural capital, innovation capital, leadership and knowledge management are the most important intellectual assets of state-owned banks. Manuscript profile
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        42 - Evaluating the impact of the diversity of activities on the financial performance of Iranian banks with emphasis on the efficiency of human capital: a case study of Pasargad Bank
        Amir Hossien Cheraghian Kamran Yeganegi Amirreza Keyghobadi
        Considering that this article deals with the evaluation of the impact of the diversity of activities on the financial performance of Iranian banks, focusing on the efficiency of human capital (case study of Pasargad Bank), it is practical in terms of purpose, and the re More
        Considering that this article deals with the evaluation of the impact of the diversity of activities on the financial performance of Iranian banks, focusing on the efficiency of human capital (case study of Pasargad Bank), it is practical in terms of purpose, and the research method, in terms of data analysis, is quantitative. It is analytical. The statistical population of the research includes all the employees of Pasargad Bank, and the Cochran-Orcutt formula is used to obtain a statistical sample of 384 people. Since the statistical population of this research is homogenous, therefore, we use random sampling method, and since each member of the society has the same chance to be selected, we use simple random sampling. The data collection tool in this research is a questionnaire. . To check the content validity and face validity of the questionnaire in this research, the opinions of the supervisor and the esteemed consultant were used and Cronbach's alpha method was used to check its reliability. For data analysis, spss, Smart PLS software was used. The results of the hypothesis test showed that the value of the activity diversity index is 78%, human capital efficiency is 91%, and human performance is 82%, the fit of the model is appropriate. It shows the positive and meaningful impact of the diversity of banking activities on the financial performance of banks, considering the role of human capital efficiency. Manuscript profile
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        43 - Pirtaqi dam and hydroelectric power plant site selection using multi-criteria evaluation (AHP)
        Rezvan Yaghuobi Jafar Rahnamarad Fatemeh Jamshidian
        The Pirtaqi dam will be constructed in 50 km eastern of Miyaneh and 45 km south-western of Khalkhal, onQezel-Oezan River in Ardebil province. For the Pirtaqi site were purposed two dam site, named 15 and 15A. Inthis paper by using multi-criteria evaluation of AHP (Analy More
        The Pirtaqi dam will be constructed in 50 km eastern of Miyaneh and 45 km south-western of Khalkhal, onQezel-Oezan River in Ardebil province. For the Pirtaqi site were purposed two dam site, named 15 and 15A. Inthis paper by using multi-criteria evaluation of AHP (Analytic Hierarchy Process), the preferred dam site fordam construction had presented. For selection of best dam site have been descript 8 criteria and 26 sub criteria,then had evaluated by using Super Decision software. On the base of preferred evaluations for sub criteria thathad depended to Q, RMR, and DMR classifications, quantitative values of RQD, SPI and GSI, permeability ofbanks and bed rock, uniaxial compressive strength, deformation modulus's, stability and conditions of powerplant tunnel, major joints and faults in dam axis, excavation volume, depth of weak pyroclastic rocks andalluvium texture, the 15A dam site has higher scores of pair wise comparison matrix and has been presented forpreferred dam site Manuscript profile
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        44 - Test of the effect of speculative price bubble and cost of capital on the relative net profit of the group of banks and credit institutions listed on the Tehran Stock Exchan
        Mahdi Rajabi Akbar Bagheri
        Manuscript profile
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        45 - Investigating the Effect of Critical Thinking with the Approach of Political Behavior and Public Policies of the Government on the Promotion of Organizational Health in State-Owned Banks
        avazallah sarfaraz Caramallah Danshfard abdolkhalegh gholami
        The purpose of this study is to investigate the effect of critical thinking on promoting office health. In the qualitative part, the Delphi method was used and in the quantitative part, structural equation modeling was used. In the Delphi approach, the opinions of 12 he More
        The purpose of this study is to investigate the effect of critical thinking on promoting office health. In the qualitative part, the Delphi method was used and in the quantitative part, structural equation modeling was used. In the Delphi approach, the opinions of 12 heads of different branches of Melli Bank and Sepah Shahr in Isfahan were collected through interviews and after analysis, 33 variables in the form of 6 main categories of search and facts, free-thinking, analysis, systematization, trust in His ability and curiosity to improve the administrative health system were determined. All structures have the necessary validity and reliability as well as all 6 main variables are effective in promoting the health of the administrative system. Finally, it can be said that organizational managers should consider the six variables obtained in this study as variables that can improve administrative health in state-owned banks in Isfahan. Manuscript profile
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        46 - Identify the required features of the board of directors in state-owned banks
        Yousef Mobini Dehkordi Mohammadreza Dalvi Isfahani Alireza Shirvani Jowzadani Abdolmajid Abdolbaghi Ataabadi
        Selection of members of the Board of Directors should be transparent, perspicuous, and based on an assessment of a variety of skills, competencies, experiences, and structure. Therefore the purpose of this research is to identify the required characteristics of board me More
        Selection of members of the Board of Directors should be transparent, perspicuous, and based on an assessment of a variety of skills, competencies, experiences, and structure. Therefore the purpose of this research is to identify the required characteristics of board members in state-owned banks. The nature of this exploratory research with an inductive approach and its philosophy is a developmentally oriented interpretation. Hence for this purpose, the qualitative method of data theory was used. Also statistical population was professors familiar with the field of finance, economics and management. Thus a combination of purposeful judgment and snowball method were also used to select the sample. Research data were collected from semi-structured interviews with twelve university professors. As a result of analyzing research data by open, axial and selective coding method, variables of size, composition and criterion of board selection were extracted as main features required of board members in state-owned banks. Manuscript profile
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        47 - Reducing the risk of Insolvency and costs in the field of banking with the approach of selecting partners
        Moussa Azarbad Amirabbas Shojaie Farshid Abdi Vahidreza Ghezavati kaveh khalili Damqani
        Banking is one of the main components of any system and government, and proper management and proper promotion are one of the key factors in the country's economic growth. Banks are exposed to multiple risks as well as lack of control over bank charges; in this regard, More
        Banking is one of the main components of any system and government, and proper management and proper promotion are one of the key factors in the country's economic growth. Banks are exposed to multiple risks as well as lack of control over bank charges; in this regard, appropriate strategies have to be adopted to improve banks' performance in this regard. One of these methods is the selection of partners to divide and reduce risk and share costs, so that they can reduce the Insolvency Risk of Banks and reduce the bank's share of cost control and lead to the bank's growth in financing and ultimately, economic growth in the country. In this research, a multi-objective model for selecting partners in the field of banking has been presented and further optimized using a multi-objective genetic algorithm.In this research, a multi-objective model for selecting partners in the field of banking has been presented and further optimized using a multi-objective genetic algorithm. Manuscript profile
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        48 - Brand Relationship,The Cornerstone on Building Strong Brand in Commercial Banks
        Kambiz Heidarzadeh Javad Abbasi
        The present Research is an investigation to identify the factors that influence the commercial banks brand equity and to study their relationships in form of a brand assess model. The purpose is to provide a local model for banking industry in Iran. Therefore, by conduc More
        The present Research is an investigation to identify the factors that influence the commercial banks brand equity and to study their relationships in form of a brand assess model. The purpose is to provide a local model for banking industry in Iran. Therefore, by conducting a mixed research, first through explanatory studies three dimensions of brand equity, branding knowledge and brand relationship were identified in commercial banks. Afterwards, by designing appropriate and high-quality measurement tools, and data gathering, the assessing model of brand equity for banking industry in Iran was analyzed and tested. In the present research, the statistical populations were all the clients of the banks. The number of the selected sample was 802. The findings of the research showed that the variables of brand relationship serve as an intermediary variable. In other words, brand knowledge has a positive effect on customers' relationship with the bank brands; and the consequences of banks brand equity were directly affected by the relationship between the customers and bank brands. This article provides managerial applications, suggestions for further research as well as the research limitations. Manuscript profile
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        49 - Study of the faculty ’s use rate of electronical information banks in educational and research activities (case study of university of isfahan)
        Sharam shahbazi Badri Shah Talebi Sayed Mohamad Jafar Mahdian
        The purpose of the present research was to study the faculty’s use rate of electronical information banks in educational and research activities. The method of research was descriptive – scanning and the statistical society of this research  was all mem More
        The purpose of the present research was to study the faculty’s use rate of electronical information banks in educational and research activities. The method of research was descriptive – scanning and the statistical society of this research  was all members of faculty of Isfahan university (655) in educational year 1387-1388 the sample volume was selected 260 bodies according to Morgan and Krijcie table by random classificatory sampling method. the tool of collecting information was a verified questionnaire with justifiability 0/84 and reliability 0/85 consists of 3 parts. the first part is related to individual information , the second and third parts , respectively , dealt with study of the use of electronic informational banks by faculties in educational and research activities. in order to analysis the information , descriptive statistical methods include percentage of frequenty mean and standard deviation and the level of inferential of uni variable t – test and post _hoc (LSD) test were used. the study of significance of test at the level  and bigger t obtained from critical value of table according to faculty showed all research indices represented with average (3/84) higher than middle level(3).the most use of electronic information resource was in compilating articles with average (4/12)by faculty. about educational activities all cases presented with average (3/47) were affective of electronic informational resources too. and the use of educational softwares with average (3/68) has the higher rate among educational activites based on electronical information banks. Manuscript profile
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        50 - Designing and Validating an Excellence Organizational Climate Model in Private Banks in Iran
        Alireza Moradisaleh Hassan Rangriz Akbar Hassanpoor Bijan Abdollahi
        10.30495/qjopm.2021.1875325.2577
        This mixed-methods research was conducted to identify and design the dimensions, components and factors of an excellence organizational climate and validate it. The qualitative phase of the study was based on the grounded theory and MAXQDA software while the quantitativ More
        This mixed-methods research was conducted to identify and design the dimensions, components and factors of an excellence organizational climate and validate it. The qualitative phase of the study was based on the grounded theory and MAXQDA software while the quantitative stage was conducted using SPSS software. The research population comprised Iranian private banks from which a convenient sample was selected based on theoretical adequacy and availability during the qualitative phase. Interviews were run with the sample to reach the theoretical saturation. Further, the quantitative phase of the study started with a sample of 318 participants who had been selected based on a multi-stage cluster sampling procedure from 1815 employees using the Cochran formula. The reliability and validity of the qualitative and quantitative phases of the research were checked through Lincoln and Guba evaluation and Cronbach's alpha, respectively. The collected data were analyzed to explain the paradigmatic model of the excellent organizational climate that was then validated via Wilcoxon test. The findings indicated that the main dimensions of the excellence organizational climate include "employee credibility", "employee and management mutual respect" and "employees’ honoring the job and the organization" and that this model can promote organizational efficiency and profits, productivity, quality of professional life and organizational culture, branding and more willingness to work in a competitive environment. Manuscript profile
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        51 - An Investigation of the Relationship between Organizational Entrepreneurship and Learning Organization’s Features
        Hassanali Aghajani Hossein Samadi Miarkolaei Hamzeh Samadi Miarkolaei
        Entrepreneurship is the thought and process of the creation and development of economic activities through the ability to blend risk taking, creativity, and/or innovation with sound management within an existing organization or a new enterprise. One of the effective and More
        Entrepreneurship is the thought and process of the creation and development of economic activities through the ability to blend risk taking, creativity, and/or innovation with sound management within an existing organization or a new enterprise. One of the effective and strong factors influencing organizational entrepreneurship is the rate of organizational learning. The main purpose of the present research is to investigate the relationship between learning organization’s features and organizational entrepreneurship within the private banks of the west of Mazandaran province. The statistical population of the study includes 600 staff members of the private banks of the west of Mazandaran Province, from among whom 224 were selected as the research sample. The data were collected through the use of a questionnaire. Data analysis was done by SPSS and LISREL softwares. Results showed that the relationship between organizational learning and organizational entrepreneurship is positive and significant. Also, a positive and significant relationship was found between the dimensions of learning organization and organizational entrepreneurship. Entrepreneurs keep pace with changes and attempt to discover and benefit from the opportunities created in the process of these changes. Moving along with changes calls for an appropriate cultural context and the existence of a higher level of individual and organizational learning that values and welcomes change. Manuscript profile
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        52 - The Comparative Investigation of Financial Ratio Effects on Decision-making of Bank Managers (Governmental and Private) by the Use of Analytical Hierarchy Process (AHP) Technique
        Rasoul Baradaran Hassanzadeh Farhad Nejhad Irani Mahrokh Lotfollahi Haggi
        The managers and the experts who give credit to the customers are the two groups for whom the financial information relavent to performance is so important. Accordingly, they consider some information like financial ratios to investigate the status of the company on the More
        The managers and the experts who give credit to the customers are the two groups for whom the financial information relavent to performance is so important. Accordingly, they consider some information like financial ratios to investigate the status of the company on the basis of which they make the appropriate decision. Analyzing the financial ratios has been done since a long time ago. In this study, at first, the importance of the different financial performance criteria was investigated by considering the ideas of the bank experts and by using the technique of AHP. After that, the ratios were put in order of priority and the four main groups were considered in order to get the ideas of the experts and the managers ofthebanks(public and private),therateofincompatibilitywas computed.It is clear that ordering in priority could be used as a suitable guide for the experts and the managers of both private and public banks, according to which they can consider the financial ratios to give credit to their customers and compare it with the ranking technique of horizontal ordering. This study was done to find the difference between the main changes of financial performance, and tried to find a sound relationship between liquidity, efficiency, investment, and profitability among the public and private banks. By using the statistical ways of computing the analysis of variance tow-way within-subjects (ANOVA), it was found that there is no difference between the general financial operations and the decision of the managers of the private and public banks of the two provinces; West Azerbaijan and East Azerbaijan. Then,By using the T-test  it was found that there is no difference between the sub financial operations (such as liquidity, profitability, efficiency and investment) that may affect the decision making process of the bank managers of the private and public banks of the two provinces;West Azerbaijan and East Azerbaijan. Manuscript profile
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        53 - Assessment of the efficiency of banks accepted in Tehran Stock Exchange using the data envelopment analysis technique
        mehdi esfandiar hossein jahangirnia
        Manuscript profile
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        54 - The Impact of Islamic Banking and Non-banking Financial Institutions on Economic Growth in Iran – A Generalized Method of Moments (GMM)
        saeed farahanifard majid feshari yavar khanzadeh
        Abstract The banks and non-banking financial institutions have facilitated trading and commercial activities and increased the markets, and economic growth and prosperity by organizing and directing the payments. In this study, firstly, the researchers have explained t More
        Abstract The banks and non-banking financial institutions have facilitated trading and commercial activities and increased the markets, and economic growth and prosperity by organizing and directing the payments. In this study, firstly, the researchers have explained the channels by which banking and non-banking financial institutions affect economic growth, and secondly, paid attention to the ways of affecting the explanatory variables on economic growth in Iran. At the end, by using the traditional model of King and Levine Generalized Method of Moments (GMM), the effects of non-banking financial institutions supervised by Central Bank of IRI and Commercial and specialized banks are studied during 1999:Q1 - 2013:Q4. The empirical results of this study have indicated that all explanatory variables used have significantly positive effect on economic growth. Also, the experimental results have shown that banking financial institutions have a greater and significant effect on economic growth compared to non-banking financial institutions. Manuscript profile
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        55 - Assessing the Structure of Bank Deposits Market in Iran
        mohammad nabi shahiki tash kamran mahmoodpour
        Abstract The main purpose of this paper is to evaluate the structure of banking structure in Iran and assess the monopoly power factor based on Bresnahan and Lau approach. In this paper, the market situation of monetary in Iran consisted 18 active banks are studied dur More
        Abstract The main purpose of this paper is to evaluate the structure of banking structure in Iran and assess the monopoly power factor based on Bresnahan and Lau approach. In this paper, the market situation of monetary in Iran consisted 18 active banks are studied during 2007–2011. By the use of Bresnahan's market power model, it is found that there is no deposit market for pre-said banks in Iranian banking industry. The coefficients estimated by the research model have represented that the hypothesis of perfect competition without any withholding rates and deposit rates can be rejected for the entire market. Manuscript profile
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        56 - Coherent horizontal drawing in line with technology development and financial strategy in the Iranian banking system
        abozar yadollahi parviz saeidi Arash naderian Jamadordi Gorganli Doji
        Today, advances in financial technologies include robotic financial transactions, payments made through Today, advances in financial technologies include robotic financial transactions, payments made through cryptocurrency-free operating systems, fundraising platforms, More
        Today, advances in financial technologies include robotic financial transactions, payments made through Today, advances in financial technologies include robotic financial transactions, payments made through cryptocurrency-free operating systems, fundraising platforms, financial consulting, technical and robotic assistance through cyberspace, and the latest virtual coins that have recently been developed. The value of global investment in current financial technologies has been significant in recent years. Accordingly, in this study, the issue of drawing a coherent horizon in order to develop a strategy with financial technologies in Iranian commercial banks has been addressed. The statistical population of the research includes all the participants from among the experts in the number of 20 experts and academic experts in the fields of accounting, finance, management, banking and economics in the field of commercial banks in Iran who have reached theoretical saturation.. The research method is mixed (quantitative-qualitative) and all the required data and information have been collected. Then, to test the research hypotheses, it has been prepared through theoretical foundations and field investigation (distribution of 384 questionnaires). Descriptive and inferential statistical techniques such as Cronbach's alpha tests, Kolmogorov-Smirnov and structural equation modeling (SEM) have been used to analyze the data. In the qualitative part, the key criteria of the research were identified by fuzzy Delphi method. Then by conducting factor analysis and structural analysis, the results showed that each of the components of financial strategies, financial technology, conditions and features of the banking system environment, intervening factors and ... Manuscript profile
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        57 - Identifying and Ranking Indicators Affecting the Evaluation of Financial Performance in Private Banks using the Fuzzy AHP Method
        Zahra Fazeli Farzaneh Bikzadeh Abbasi Soheila Sardar
        10.30495/fomj.2023.1995996.1114
        Manuscript profile
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        58 - Identification of Barriers and Solutions of Using Capabilities of Electronic Informational Banks from the Point of View of Graduate Students (Case Study: Isfahan University)
        Narges Keshtiaray Ali Reza Yousefi Shahram Shahbazi
        The purpose of this study was the identification of most major barriers and solutions of using capabilities of electronic informational banks from the point of view of graduate students of Isfahan University. The method of the research was descriptive-survey and the sta More
        The purpose of this study was the identification of most major barriers and solutions of using capabilities of electronic informational banks from the point of view of graduate students of Isfahan University. The method of the research was descriptive-survey and the statistical population was all graduate students of Isfahan University (4035 people) in the 2008-2009 academic year. According to Krejcie and Morgan table, 380 persons were selected by random stratified sampling method. The data collecting tool which consists 3 parts was a researcher made questionnaire with 0.84 validity and 0.85 reliability. The first part was related to the demographic information; the second part was related to the identification of most major barriers of using capabilities of electronic informational banks; and the third part deals with the identification of most major solutions. In order to analyze the information, the statistical methods of frequency, percentage and one sample t test was used. The results showed that the graduate students considered the most important barriers of using electronic informational banks as "lack of familiarity with information searching skill", with average 4.27 that is more than mean (3). Also they stated that "establishing English language courses towards better use of world web network" (81.2%), and "establishing special courses for training skills of searching electronic informational banks" (75.7%) were the most important solutions. Manuscript profile
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        59 - ارزیابی عملکرد بانک های هند با استفاده از تکنیک های CAMEL و GRA
        hari Tata
        در این مقاله تلاشی برای بررسی عملکرد بانک های هند با کمک CAMEL (C-کفایت سرمایه، A- کیفیت دارایی، M- کیفیت مدیریت، E-سود، L-نقدینگی یعنی CAMEL) سیستم امتیازدهی، در طول مدت پنج سال از (2011-2015) انجام شد و سپس کارآمدی بانک ها با کمک تکنیک GRA (تحلیل رابطه خاکستری) با به More
        در این مقاله تلاشی برای بررسی عملکرد بانک های هند با کمک CAMEL (C-کفایت سرمایه، A- کیفیت دارایی، M- کیفیت مدیریت، E-سود، L-نقدینگی یعنی CAMEL) سیستم امتیازدهی، در طول مدت پنج سال از (2011-2015) انجام شد و سپس کارآمدی بانک ها با کمک تکنیک GRA (تحلیل رابطه خاکستری) با به دست آوردن اعتماد به نفس از سرمایه گذاران و رتبه بندی آنها ارزیابی شد. در این مقاله تاثیر درجه هر عامل عملکرد از طریق تجزیه و تحلیل رابطهای خاکستری مورد مطالعه قرار گرفت و توسط رتبه عملکرد هر بانک انجام شد. نتیجه بدست آمده با رتبه های به دست آمده با استفاده از روش CAMEL مقایسه شده است. یافته های پژوهش نشان میدهد که برخی از بانک ها در شرایط استفاده هستند و در نتیجه در امکان بداهه بیشتر اشاره میشود. بانک ها سازگاری قابل توجهی در سطح بهره وری خود را در طول دوره مورد مطالعه نشان میدهند. Manuscript profile
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        60 - کاربرد تکنیک های ابر کارایی در اندازه گیری کارایی شعب بانک (مورد مطالعه:بانک ملی استان گیلان )
        میترا صفری منصور صوفی مهدی همایونفر
        در دنیای رقابتی امروز، بسیاری از شرکتهای تولیدی و خدماتی از جمله بانک ها، ناگزیر شده اند به رویکردهای جدید مدیریتی و روش های ارزیابی عملکرد سازمانی رو بیاورند. از جمله این رویکردها، رویکرد تحلیل پوششی داده ها (DEA) است که از سال 1978 در ارزیابی عملکرد سازمان‌ها مورد است More
        در دنیای رقابتی امروز، بسیاری از شرکتهای تولیدی و خدماتی از جمله بانک ها، ناگزیر شده اند به رویکردهای جدید مدیریتی و روش های ارزیابی عملکرد سازمانی رو بیاورند. از جمله این رویکردها، رویکرد تحلیل پوششی داده ها (DEA) است که از سال 1978 در ارزیابی عملکرد سازمان‌ها مورد استفاده قرار گرفته است. هدف این تحقیق، کاربرد تکنیک های ابر کارایی در اندازه گیری کارایی شعب بانک (مورد مطالعه:بانک ملی استان گیلان) می باشد. در این پژوهش از مدل ورودی محور تحلیل پوششی داده ها در فرم تحت بازده به مقیاس ثابت  و مدی ابرکارایی اندرسون – پیرسون (AP) برای اندازه گیری کارایی شعب درجه 1،2و3  بانک ملی استان گیلان در سال 1394 پرداخته شده است به طور خلاصه نتایج نشان داد که میانگین امتیاز کارایی شعب مورد بررسی در سال 1394 ،0.75 می باشد، شعبه ی درجه یک گلسار رشت به عنوان کاراترین مورد بررسی و بندر کیاشهر به دلیل احتساب امتیاز کارایی 0.8 و پاییین تر از میانگین کل شعب به عنوان ناکاراترین شعبه معرفی شد. نتایج نشان داد  که  مهم‌ترین عامل در ضعف مدیریت هزینه‌ی شعب ناکارا مربوط به هزینه تبلیغات و بازاریابی و بیشترین ضعف در برنامه ریزی مربوط به  حوزه ی  آموزش کارکنان شعب ناکارا بوده است. Manuscript profile
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        61 - On the Retrieval of Natural Systems of Settlements around Riverbanks with Sustainable Development Approach (Case Study: Asara Region, Hasanakdar Village)
        Leila Ziafati Kafi Ahmad Pourahamd
        Rivers as one of the structural elements of city and natural corridors, play an effective role in providing environmental resources. Therefore, investment on adjacent lands, and construction and development of recreational gardens around them, not only has considerable More
        Rivers as one of the structural elements of city and natural corridors, play an effective role in providing environmental resources. Therefore, investment on adjacent lands, and construction and development of recreational gardens around them, not only has considerable environmental impact, but also has great economic effects' previous and next links. Despite of enjoying potential and actual facilities, in terms of its geographical location, Hasanakdar village faces many limitations and bottlenecks in the development process from different points of view. Generally, in this village, inappropriate access to economic infrastructures, restrictions and distribution of natural resources, and finally, lack of effective economic performance in the region's economic system, have resulted in poverty and unemployment in socio-economic context. The present study examined these issues by studying the geographic, economic and social characteristics of this village. The aim of this study was to organize Hassankar village through environmental priorities with the strategy of sustainable development and the recognition and introduction of regulatory criteria. The present study analyzed using a descriptive-analytical method based on library and field studies to collect relevant documents, components and criteria for environmental promotion and organizing settlements, through SWOT analytical model and AHP hierarchical method. According to the results of this study, organizing the settlements around rivers and directing them in rural guiding plans towards a spatial order can have sustainable effects on reforming the context of rural settlements, and conduct them to a lawful behavior. Manuscript profile
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        62 - Economic Analysis of Cooperative Societies and Agricultural Productivity in Rural Households in Delta State, Nigeria
        Peter Emaziye
        Manuscript profile
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        63 - Designing and explaining the organizational model in the employees of state banks in Iran Based on Grounded Theory
        Alireza Najafpour reza Najafbeigi karamallah daneshfard
        The purpose of this study is to define and design organizational learning model among the Iranian state banks employees. The research is carried out in the framework of qualitative approach by using grounded theory method. The Statistical Society of managers and staff o More
        The purpose of this study is to define and design organizational learning model among the Iranian state banks employees. The research is carried out in the framework of qualitative approach by using grounded theory method. The Statistical Society of managers and staff of state banks, informants and elites of organizational learning of state banks such as university professors, researchers and those who have information from the structure of these banks which 15 people of them were selected by purposive sampling method. Semi-structured interviews were used to collect data; simultaneous analysis of interviews was performed using three stages of open, axial and selective coding. According to results, the organizational learning in the Iranian state banks was modeled in 5 category include: casual conditions(Individual skills, Mental models, Financial resources) , context(Cultural context, Political and economic context) intermediaries (Organizational rules, Common vision) , strategies(Performance management, Intellectual capital management, Create learning opportunities, Team learning, Systematic thinking) and results (Develop staff capabilities, Environmental adaption, Organizational success, Social learning). Manuscript profile
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        64 - Explaining the Impact of Knowledge Management and the Role of Business Networks in Islamic Banking
        Abolghasem karimi Majid Ahmadi Alireza Rousta
        After the Islamic revolution, the implementation of Islamic banking in the country's banking system has been one of the most important issues in the banking field.The remarkable growth of Islamic banking inthe last few decades has attracted the attention of many researc More
        After the Islamic revolution, the implementation of Islamic banking in the country's banking system has been one of the most important issues in the banking field.The remarkable growth of Islamic banking inthe last few decades has attracted the attention of many researchers in the field of finance and banking.Considering the importance of Islamic banking, the purpose of the research is to explain the impact of knowledge management and the role of business networks in Islamic banking in Tehran.In terms of purpose, the research method is applied and according to the method of data collection, it is descriptive of the correlation type.The statistical population of the research is all customers of Qarz al-Hasaneh Mehr Iran Banks and Qarz al-Hasaneh Resalat Banks in Tehran province.Also, the number of 384people was determined as a sample using Cochran's formula, and 400 questionnaires were distributed by available sampling method and394 questionnaires were collected.The reliability of the questionnaire was measured by evaluating Cronbach's alpha coefficient, which was0.808. Also, the data were measured by the method of structural equation modeling and by Smart-PLS software.The results of research hypotheses indicate that market measurement, market capture, business networks, financial networks and knowledge management play a role in Islamic banking. Manuscript profile
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        65 - The effect of behavioral error and the power of the CEO on the policy of reducing the fragility of the banking network
        Simin Rajizadeh AmirHossein Taebitafandari Hadis Zeinali
        In the world economic literature today, the role and importance of the monetary system and, consequently, the banking network as a tool for economic development is evident. There are several factors in creating the fragility of the banking network; one of the important More
        In the world economic literature today, the role and importance of the monetary system and, consequently, the banking network as a tool for economic development is evident. There are several factors in creating the fragility of the banking network; one of the important and influential factors is the behavioral error and power indicators of the CEO that lead to irrational and irrational decisions.. The statistical population of this research is 31 banks and credit institutions listed on the Tehran Stock Exchange during the years 1390 to 1399. To test the research hypotheses, multiple generalized least squares regression has been used in the Aetta software. Findings indicate that according to the hypothesis test, the more the effect of behavioral error and CEO power increases, the more vulnerability and fragility of banks increases. The results show that behavioral error and CEO power cause vulnerability and fragility of banks. Manuscript profile
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        66 - The Effect of Islamic Banks on GDP Growth: Evidence from Selected Islamic Countries
        hadis dalvandi Davood Jafariseresht Mohsen Khezri
        Today, the banking sector is one of the most important pillars of the financial sector. In this study, while expressing the theories related to the relationship between Islamic banking and GDP growth, the effect of loans from Islamic banks as an indicator of Islamic ban More
        Today, the banking sector is one of the most important pillars of the financial sector. In this study, while expressing the theories related to the relationship between Islamic banking and GDP growth, the effect of loans from Islamic banks as an indicator of Islamic banking activities on the GDP growth of 20 selected Islamic countries for the period of 2010-2017 has been evaluated and the panel vector autoregression model has been used in order to investigate the effect of variables of total banking activity, Islamic banking activity, inflation rate, government expenditures, trade openness and institutional quality on GDP growth. The results show that the relationship between Islamic banking activity and GDP growth is positive and significant. Also, the effect of inflation rate, institutional quality and trade openness on GDP is positive and significant and the effect of government expenditures and total banking activity on GDP growth is negative and significant. Therefore, countries with sound macroeconomic and institutional policies (prudent government expenditures, good regulatory frameworks and high institutional quality) have higher GDP growth. Manuscript profile
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        67 - Investigating the impact of risk incentives on the strength of the market value of banks' shares admitted to the stock exchange
        fatemeh Sehbaradaran Reza Rahimi Hadi Mohamadi mohamadi
        Some market participants believe that with the increase in market volatility and the decrease in the number of small shareholders, a type of stability will be created in the decision-making process of bank management that only considers the interests of majority shareho More
        Some market participants believe that with the increase in market volatility and the decrease in the number of small shareholders, a type of stability will be created in the decision-making process of bank management that only considers the interests of majority shareholders. This disrupts market activities and reduces the cash asset reserves of banks based on optimal risk incentives. The aim of this study is to investigate the effect of risk incentives on the market value of banks. This research is a library-based analytical study based on panel data analysis. Financial information from 10 accepted banks in Tehran Stock Exchange during the period from 2016 to 2021 was examined. The results showed that liquidity fluctuations as one of the risk incentives had a positive and significant effect on the market value of banks during the studied period. Financial performance fluctuations also had a positive and significant effect on the market value of banks. Manuscript profile
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        68 - Experimental Iinvestigation of the Effect of theTtriangular Vanes on the Channel Bed Ttopography
        Nushin Najafi Birgani Mahmood Shafai Bejestan Mohammad Bahrami Yarahmadi
        Manuscript profile
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        69 - Effect of Stock Market Volatility on Banks Performance Accepted in Tehran Stock Exchange
        Hoda Hemmti Abdorrahman Abbasifar
        In this research bank performance was measured, using variables of: economic value added (EVA), average return on assets (ROAA),  and average return on equity (ROAE).This study was causal comparative research (using past data) and the aim is classified on the basis More
        In this research bank performance was measured, using variables of: economic value added (EVA), average return on assets (ROAA),  and average return on equity (ROAE).This study was causal comparative research (using past data) and the aim is classified on the basis of the nature of the correlation method on the combined data. The population of the study consisted of all member banks at Tehran Stock Exchange for the period of 1387- 1392. Research findings indicates that 95% variable stock market development and competitiveness of banking, with the dependent variable EVA significant relationship is between the Mean monthly returns of stocks and the development of the banking sector with the dependent variable EVA direct link is established. With95% of all variables except for "the development of the banking sector" have a significant relationship with the dependent variable ROAA. Also there is a positive relationship between monthly returns stocks and market development relationship with the dependent variable ROAA. There is also a significant correlation between all variables except "banking competition" with the dependent variable ROEA. There is a negative correlation between stock market development and the dependent variable ROEA. There is a positive and significant relationship between Mean of monthly returns stocks and the development of the banking with the dependent variable ROEA. Manuscript profile
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        70 - Macroeconomic Uncertainty and Investment Decisions of Banks
        حافظ نیکخو تیمور رحمانی فرزانه خلیلی
        10.30495/fed.2022.691021
        AbstractIn times of uncertainty, the planning, decision-making and policy-making process in all sectors of the economy is disrupted due to the impossibility of predicting the future. The present study seeks to investigate the uncertainty effects of macroeconomics on inv More
        AbstractIn times of uncertainty, the planning, decision-making and policy-making process in all sectors of the economy is disrupted due to the impossibility of predicting the future. The present study seeks to investigate the uncertainty effects of macroeconomics on investment decisions of Iranian banks over a 15-year period (2004-2018) using the seasonal data of 15 domestic banks experimentally. For this purpose, first the generalized conditional variance of inflation, exchange rate, economic growth rate and oil price indicators is estimated and then the effect of their average weight as an uncertainty indicator of macroeconomics on banks' investment decisions is identified by panel data method. Our empirical results show a significant relationship between banks' credit portfolio variation and macroeconomic uncertainty. In other words, as the macroeconomic uncertainty and banks' inability to predict their rate of returns on different assets increase, they allocate less resources to risky assets and more resources to safe assets. Also, there is a significant relationship between bank's specific risk and its investment decision. In other words, as the variance of bank's specific indices increase, the dispersion of risky assets in bank's portfolio increases.  Manuscript profile
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        71 - بررسی ارتباط بین عرضه پول و گسترش شعب بانکی
        میر حسین موسوی علی شهابی معصومه نعمت پور
        Manuscript profile
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        72 - The Impact of Growth, Tangibility of Assets, Open Economy and Economic Indexes on Performance Efficiency Banks
        زهرا پورزمانی کاظم قاسمی
        Abstract Banks through the provision of banking services to customers, earn it. So, as banks will be able to use economies of scale to gain more profit. One of the most important source of information for investors, creditors, and other users, the benefits pr More
        Abstract Banks through the provision of banking services to customers, earn it. So, as banks will be able to use economies of scale to gain more profit. One of the most important source of information for investors, creditors, and other users, the benefits provided by the organization is in regular intervals. The forecast profit organizations is also of considerable importance. Because macroeconomic indicators, including indicators of economic openness on the financial performance and profitability are known to be effective, according to the above description, to examine the impact of asset growth and objectivity, openness and Iranian inflation on the profitability of banks during 1383 to 1392 will be discussed. In terms of purpose, the type of applied research and the method of deduction in the group of cross-correlation, because to explore the relationships between variables, regression and correlation techniques which will be used in this way, the argument inductive.Also, since the test data available, we will conclude this research group theory will be positive. Manuscript profile
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        73 - Investigating the effect of central bank intervention on the profitability of commercial banks in the country: a mild transfer regression approach
        Azam Sadat Atyabi Alireza DagigiASL Gholamreza Garyenjad
        10.30495/fed.2023.702193
        Abstract In the present study, in the first stage, the central bank's policy intervention index and foreign exchange market pressure were calculated, and then, using gentle transfer regression (STR), the effect of central bank intervention on the profitability of the c More
        Abstract In the present study, in the first stage, the central bank's policy intervention index and foreign exchange market pressure were calculated, and then, using gentle transfer regression (STR), the effect of central bank intervention on the profitability of the country's commercial banks was investigated. According to the model results; In 24 of the 30 years surveyed, the country's economy has faced increasing pressure from the foreign exchange market. In other words, between 1370 and 1399, the central bank's intervention activities eliminated an average of 24% of the foreign exchange market pressure. Also, the results of STR model estimation show the positive effect of economic growth rate variable on bank profitability and the negative effects of central bank intervention, stock return rate, credit risk, inflation rate and interest rate on the profitability of commercial banks. The negative coefficient of the central bank intervention index can indicate that the central bank, in the face of increasing positive deviations in the exchange rate, is pursuing a decline in the growth of its foreign reserves. In other words, with a further increase in the supply of foreign exchange in the market, its value decreases and the exchange rate return to its long-term path. On the other hand, if there is a negative deviation in the exchange rate of the central bank, by increasing the volume of foreign reserves and reducing the supply in the foreign exchange market, it can increase this rate and approach its long-term path, which is in line with existing theories. This is the context. Manuscript profile
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        74 - Provide a framework for financial reporting of banks in Iran with an Islamic banking approach
        Morteza Darvishi Reza Nazari Bahman Banimahd Mehdi Moradzadehfard
        10.30495/fed.2023.698851
        AbstractObjective: The purpose of this study is to provide a framework for financial reporting of banks ‎in Iran according to the characteristics of the banking system.‎Methods: in this research, the qualitative research method and the approach based on ‎Gro More
        AbstractObjective: The purpose of this study is to provide a framework for financial reporting of banks ‎in Iran according to the characteristics of the banking system.‎Methods: in this research, the qualitative research method and the approach based on ‎Grounded theory have been used. First, by obtaining the opinions of accounting and auditing ‎experts, related managers in the Auditing Organization, the factors affecting the quality of ‎reporting in the Iranian banking system are examined. Finally, a model including causal ‎conditions, intervening factors and context, as well as strategies related to quality, reporting ‎and its consequences are presented.‎Results: According to the results of the research, reforming the operating structure of the ‎banking system, reforming the supervisory structure of the central bank, training staff, creating ‎new Islamic tools, applying sharia supervision, amending the law on interest-free banking, ‎creating monetary policy tools in accordance with Sharia and implementing jurisprudential ‎criteria as the most important Background variables  and habit, different theories of jurists, ‎speculation, formalities of activities, legal weaknesses, weakness in religious supervision, costly ‎ness, the category of usury, the separation of the realm of religious issues with scientific issues ‎and the conflict between theories of Islamic economics and conventional economic theories. ‎Were identified as the most important inhibitory variables.‎Conclusion: the implementation of financial reporting of banks in Iran with the approach of ‎Islamic banking, leads to justice, proper distribution of wealth, performance improvement, job ‎security, compliance with Sharia, proper structure of the banking system, sustainable economic ‎development and finally Islamic ethics.‎ Manuscript profile
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        75 - Presenting a conceptual model of corporate banking in specialized banks
        alireza nazari Mohammad Hossein Ranjbar Sirajuddin Mohebbi Mehdi Bagheri
        The purpose of this study is to identify the dimensions and components of the corporate banking model in specialized banks. In the last two decades, banks have tried to base their activities on providing services to the people. Review of corporate banking concepts After More
        The purpose of this study is to identify the dimensions and components of the corporate banking model in specialized banks. In the last two decades, banks have tried to base their activities on providing services to the people. Review of corporate banking concepts After conducting a review of the status of advanced banks, by interviewing banking industry experts using qualitative analysis method, we designed the corporate banking model in specialized banks by banking industry experts and identified metrics and components. Professors, experts and experts in the field of banking and corporate banking and the sample size includes 21 of them. To collect the data while conducting a semi-structured interview and using the Delphi method, a qualitative analysis was performed with the software of MAXQDA (MAXQDA 2018). Based on this, thirteen components in corporate banking were identified in specialized banks and finally the results showed that eleven components. : Customer identification, marketing strategy, communication channels, corporate banking performance, needs identification, competitive advantage, data security, customer acquisition and retention, innovation and diversity, skill and expertise and customer loyalty were approved. Finally, a conceptual model is presented. Manuscript profile
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        76 - Substitution model for Iranian banks: A phenomenological study
        zhila mohamadi dariush gholamzadeh Vahidreza Mirabi Ahmad Vedadi
        Scientists consider the issue of succession as one of the most important challenges facing today's organizations, especially banks, and believe that if organizations do not have strategic plans for succession, they will face many problems in the future. The aim of this More
        Scientists consider the issue of succession as one of the most important challenges facing today's organizations, especially banks, and believe that if organizations do not have strategic plans for succession, they will face many problems in the future. The aim of this study was to provide an appropriate model for succession planning in Iranian banks. The study was a qualitative phenomenography. Data collection was done in a field method with in-depth and semi-structured interviews. The sample size was 12 experts and specialists who were selected by snowball method. Dimensions and components were identified by coding method (open, axial, selective). In this study, strategic factors, talent management, support of senior managers, cultural factors and educational-development programs as succession requirements, information-technological factors and individual-motivational factors as facilitators and career path management, performance management and resources - infrastructure Were identified as background conditions. The final conclusion is that the succession process is different from one organization to another, and banks are no exception, and all aspects must be considered in the succession process Manuscript profile
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        77 - Identifying the effective factors on relational marketing in the banking industry under the conditions of embargo on private banks and its ranking
        Reza Mohammadi Sina Nematizadeh Seyed Abbas Heydari
        This research is in terms of practical purpose, in terms of mixed exploratory data (qualitative and quantitative) and in terms of research implementation method, it is of the type of foundation data (qualitative phase) and cross-sectional survey (quantitative phase). Th More
        This research is in terms of practical purpose, in terms of mixed exploratory data (qualitative and quantitative) and in terms of research implementation method, it is of the type of foundation data (qualitative phase) and cross-sectional survey (quantitative phase). The population of the qualitative stage was all the managers and specialists of the private banks in the west of the country, from whom 21 people were selected by the targeted snowball method, and the statistical population in the quantitative part was all the employees of the private development banks of the west of the country, among them there were 250 people based on the formula Cochran was selected as a sample by stratified random method. The research tools were interviews and questionnaires .used. Data analysis was done based on pls software and foundation data. The results showed that expanding communication, using social networks, mpowering management causal conditions, organizational planning, effective organizational strategy interactive strategies, intra-organizational support and extra-organizational support. Among the intervening conditions, organizational participation, capable human resources and customer satisfaction are background factors. One of the consequences of the implementation of the cases raised is to reach the related marketing of the banking network in the conditions of sanctions. Manuscript profile
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        78 - Modeling to Predict the Liquidity Risk of Iran's Government Banks Using Artificial Neural Networks and Accounting Indicators
        Mahdi Khosroyani Farzaneh Heydarpoor
        10.30495/faar.2022.697091
        AbstractOne of the most important risks of bank is liquidity risk, so banks must have appropriate information systems to measure, predict and control liquidity risk. Banks manage their liquidity risk using different tools and methods, depending on the conditions and typ More
        AbstractOne of the most important risks of bank is liquidity risk, so banks must have appropriate information systems to measure, predict and control liquidity risk. Banks manage their liquidity risk using different tools and methods, depending on the conditions and type of activity. Despite the fundamental differences in the size, type of activity and structure of Government owned banks,is it possible to model and forecast the liquidity risk of state banks? To answer this question in this study, using the accounting information of Government banks in Iran, and the research accounting indicators were calculated and liquidity risk was modeled by the multilayer perceptron neural network. Then, the difference between the results of the model and the real data was measured by MSE. The research results showed that the designed model can be used to predict the liquidity risk of Iran's Government owned banks. Manuscript profile
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        79 - Developing a quantitative Banking cooperation model in integrating banks and institutions with a marketing approach
        Hamidreza Ramezani Parviz Saeidi Amir Ghafourian shagerdi Seyyedmohammadreza Hosseini
        Businesses are constantly changing, and changes are so vast and unpredictable that every day we see or integrate businesses based on new models, the banking system is no exception. To prevent failure, adapt itself to existing models to consolidate its presence. In this More
        Businesses are constantly changing, and changes are so vast and unpredictable that every day we see or integrate businesses based on new models, the banking system is no exception. To prevent failure, adapt itself to existing models to consolidate its presence. In this research, the researcher attempts to design a model based on the principles of collaborative marketing when merging between banks. That is, at the quantitative stage of the initial conceptual model based on mature causal variables b 23 variables including cobanking's topic and six dimensions and 16 design components and then in the second (quantitative) questionnaire consisting of 67 design questions that its validity through academic experts and its reliability using structural equation software with mean 75 % Confirmed that the relationships between variables were analyzed using Structural Equation Method in two parts: Model fit analysis (Examination of measurement models - Structural model investigation and General model) and Testing hypotheses. The template (one concept - six dimensions and ten components) was developed. Manuscript profile
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        80 - Determining of optimal risk level and optimal structure of capital based on logarithmic model of Border Operational Efficiency in Banks
        mir hamid sadat salmasi iman dadashi hasmidreza gholamnia roshan
        The purpose of this study was to determine the optimal level of risk and optimal capital structure based on the logarithmic model of boundary operating efficiency in banks. In this study ، data envelopment analysis based on logarithmic boundary function modeling with as More
        The purpose of this study was to determine the optimal level of risk and optimal capital structure based on the logarithmic model of boundary operating efficiency in banks. In this study ، data envelopment analysis based on logarithmic boundary function modeling with assumption of geometric convexity is used to evaluate the efficiency of each Iranian bank for the performance years under study. Among the 28 factors identified through content analysis and knowledge domain analysis, sixteen factors included inputs, outputs, risk, Capital Structure (Minimum Capital, Minimum Capital Risk and Minimum Leverage Ratio), Bank Level Properties (Bank Size, Return on Assets, Return on Equity, Deferred Facility Rate and Liquidity Rate), Factors affecting efficiency, risk and capital structure of banks are identified. The research method relied on a theoretical-applied research design and a descriptive-deductive inference method. Twenty-five banks were selected from the Iranian banks by elimination method and studied over a six-year period ending on 29/12/97. Validation of estimation models based on coefficients of determination showed that regression equations have high explanatory power in determining the optimal level of risk and optimal capital structure based on different measures and Fisher's significant level of significance and generalizability of the estimated results are significant. Manuscript profile
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        81 - Identification of Effective and Influential Factors on Debt Financing for Financial Institutions and Banks in the form of crowdfunding Using Fuzzy DEMATEL Method
        Ghazal Shahabi shojaei Shadi Shahverdiani Hashem Nikoumaram
        The purpose of this research is to identify the effective factors on the debt financing of the financial institutions and banks in the form of the crowdfunding using Fuzzy DEMATEL to propose a model for obtaining the essential conditions for crowdfunding. Debt financing More
        The purpose of this research is to identify the effective factors on the debt financing of the financial institutions and banks in the form of the crowdfunding using Fuzzy DEMATEL to propose a model for obtaining the essential conditions for crowdfunding. Debt financing is borrowing money from companies and investors through bonds, banks or financial institutions to support related business activities. The research methodology is fuzzy technique, in which multi-criteria decision method (MADM) is used. The opinions of the experts and interviews with ten related experts and the snowball method have been used to reach the theoretical saturation stage in order to identify the factors affecting the development of crowdfunding model and also open, axial and optional coding has been considered. The results depicted identification of the influential factors in crowdfunding including legalism, culture building, funding, collective communication, e-commerce and trust building. According to the results of the study, it can be concluded that this issue is difficult regardless of the effective factors of crowdfunding to finance debt in financial institutions and banks in order to grow. Manuscript profile
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        82 - Examining the Effective Factors on Commercial Bank Profitability of Iran Using Panel ARDL Method
        Iraj Shariatzadeh Mehdi Shabanzadeh Gholamreza Zomorodian
        In any economic system the role of banks to collect deposits of the banking system (Procurement of resource) and its application in the financing of investment projects (allocation of resource) is very important. Nowadays, Expansion of global markets and increase compet More
        In any economic system the role of banks to collect deposits of the banking system (Procurement of resource) and its application in the financing of investment projects (allocation of resource) is very important. Nowadays, Expansion of global markets and increase competition in the markets for financial services is affected the profitability of the banking industry, significantly. Given that the profitability of banks is one of functions of banks and a more profitable bank has more power to deal with negative shocks to the market, Therefore, attention to the profitability index as one indicator of evaluating the performance of the banks and its role in decisions related to the mobilization of resources, financing and resource allocation is essential. in this study To achieve this goal, the affective factors on profitability of commercial banks has been modeled and studied during 2009-2013. The scope of this study contains 8 commercial banks listed on Tehran Stock Exchange including Eghtesade Novin, Parsian, Karafarin, Pasargad, Mellat, Tejarat, Saderat and Sina. The study also is used the Panel ARDL method to achieve the targets. The results of this study showed that, The ratio of shareholders' equity to assets, The ratio of credit to assets, bank size and inflation have a direct and positive effect on the profitability of commercial banks. So, increasing and improvement of this variables increase the profitability of commercial banks in the short term and long term. However, the effect of credit risk on commercial bank's profitability index is negative. So that increasing of this variable deacrease the profitability of commercial banks in the short term and long term. finally, The results of ECM model reveal that the speed of adjustment towards long-run equilibrium is low, So that if the shock enters the model the long time require for correct the short-run and long-run imbalance equilibrium and back model to first equilibrium. Manuscript profile
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        83 - A Model for Crowdsourcing Science-based Companies in banks
        Seyyed Yusef Haji Asgari Vahid Reza Mirabi hasan mehrmanesh Mir Feyz Fallah
        Research field and purpose: There is a potential for crowdsourcing in different fields. rowdsourcing has been built on the basis of general intelligence and it is able to collect data and also reduce time and cost.crowdsourcing is possible only through IT technology and More
        Research field and purpose: There is a potential for crowdsourcing in different fields. rowdsourcing has been built on the basis of general intelligence and it is able to collect data and also reduce time and cost.crowdsourcing is possible only through IT technology and requires active and ongoing participation, stakeholders’ interaction and transparent feedback. Therefore, this research aims to propose a model for crowdsourcing science-based companies’ in banks. Method: Considering the method of data collecting and data required for analysis, the present study is a combination of quantitative and qualitative research, in other word, mixed research. It is applied In terms of objective type, samples are collected in descriptive method and it is a survey research in terms of data collection. Findings: findings show that the contributing factors of crowdsourcing directly explain 88.6% of the changes related to the sources of crowdsourcing, 91.5% of the changes related to crowdsourcing phenomenon and 96% of the changes related to the accelerating or slowing factors.. Results: According to the results of the research, the effectiveness of all dimensional components is confirmed. The component of external tissue factors has the highest effect on other factors.Also, factors such as smart malking financial resources, relation factors and psychological and motivational factors have the greatest effect. Manuscript profile
      • Open Access Article

        84 - The Effect of Risk on Stock Prices of Banks and Insurance Companies with Regard to the Role of Corporate Governance Mechanisms
        سحر پژوهی امین ناظمی نویدرضا نمازی
        10.30495/jdaa.2022.693139
        Abstract The purpose of this study is to investigate the effect of risk on stock prices of banks and insurance companies with respect to the moderating role of corporate governance mechanisms. For this purpose, the data of 24 banks and 25 insurance companies listed on More
        Abstract The purpose of this study is to investigate the effect of risk on stock prices of banks and insurance companies with respect to the moderating role of corporate governance mechanisms. For this purpose, the data of 24 banks and 25 insurance companies listed on the Tehran Stock Exchange in the period 2010 to 2019 were studied. Multivariate regression model were used to test the hypotheses. The results showed that in banks, market risk has a positive and significant effect on stock prices and the variables of credit risk and liquidity risk have a negative and significant effect on the stock price of the banking industry. In insurance companies, market risk and liquidity risk have a positive and significant effect on stock prices and credit risk has a negative and significant effect on stock prices in this industry. Also, the findings on risk showed that in the credit risk of banks, the variables of institutional ownership, independent committee and audit committee have a negative and significant effect on the stock price of the banks. In banks' market risk, the variables of the independent committee and the audit committee have a negative and significant effect on the bank's stock price. In addition, in the credit risk of insurance companies, managerial ownership has a positive and significant effect on the company's stock price and the size of the board has a negative and significant effect on the company's stock price. In the market risk of insurance companies, managerial ownership has a positive and significant effect on the company's stock price and the independent committee has a negative and significant effect on the company's stock price. In the liquidity risk of insurance companies, managerial ownership has a positive and significant effect on the company's stock price. The results of this study can help managers of banks and insurance companies to make strategic decisions. Manuscript profile
      • Open Access Article

        85 - Effects of Monetary Policy on Gross Development Product and Inflation through House Price Index in Iran
        H. Sharifi-Renani S. Ghobadi F. Amrollahi N. Honarvar
        The purpose of this research was to analyze the effect of monetary policy on gross domestic product and inflation via house price index as a proxy for other assets in Iran in 1989-2008. For the analysis time series data and vector error correlation method were used. The More
        The purpose of this research was to analyze the effect of monetary policy on gross domestic product and inflation via house price index as a proxy for other assets in Iran in 1989-2008. For the analysis time series data and vector error correlation method were used. The results showed that in the pattern 1 the positive monetary shocks in the short run increased the product and decreased the prices but, in the long run it decreased the product and increased the prices. The debt shocks of the banks to the central bank in the short run had little effect on the product and the prices. In the intermediate run these shocks had decreased the product and increased the prices. And in the long run it increased the product and decreased the prices. In pattern 2 positive shock of the legal deposits ratio leads to decrease in the production and increase in the inflation in the short, intermediate and the long run, through the banking lending. Results shoed also that money policy instruments (banks loan to the central bank and the rate of legal deposits) had a little effect on the granted facilities of the banks. Manuscript profile
      • Open Access Article

        86 - The role of management accounting in banks
        Leila Zamanianfar Shahrzad Seraj Zahra Kohandel Javad Ojaghi
        10.30495/afi.2023.1975140.1180
        Purpose: In general, management accountants may be seen as value-creators which in turn assist an organization to gain a competitive advantage. They are responsible for the integrity of top management and the reliability of the reports they provide. Also, they assume a More
        Purpose: In general, management accountants may be seen as value-creators which in turn assist an organization to gain a competitive advantage. They are responsible for the integrity of top management and the reliability of the reports they provide. Also, they assume a role in which they are responsible for helping managers in strategic planning and controlling operations. The main purpose of this article is to provide an insight into the role of management accounting in creating and maintaining competitive advantage in the banking industry.Methodology: The current research is based on a philosophical and scientific approach based on the method of historical knowledge and is designed and implemented with the aim of promoting knowledge in a library manner by reviewing articles. The result of which is the development of management accounting knowledge.Findings: Studies show that management accounting provides skills and methods that play a vital role in planning, developing, implementing and evaluating strategic competitive policies. Also, studies have shown that the rapid growth and competition of the banking industry can be attributed to the use of innovative management accounting practices. In fact, to remain competitive, banks must offer services to customers that differentiate it from its competitors.  This issue shows the significant importance of management accounting in banks.Originality / Value: Based on the philosophical and scientific approach, the current research has explained the role of management accounting in banks. Manuscript profile
      • Open Access Article

        87 - Simple and multiple relationships between Strategic Human Resources Management Programs and Employees Empowerment
        farshad nemati rafigh hasani
        Nowadays the success of any organization is linked to the quality and level of human resources’ capacity and empowering human resources is a significant strategic tool to gain competitive advantage. The main objective of this research was to investigate the relati More
        Nowadays the success of any organization is linked to the quality and level of human resources’ capacity and empowering human resources is a significant strategic tool to gain competitive advantage. The main objective of this research was to investigate the relationship between strategic human resources management programs and empowering employees. The purpose of this research is applied and its nature is descriptive-correlational. Statistical population consists of all private and public banking employees in the city of Marivan, totaling 277 employees. Finally 148 employees were selected using stratified random sampling. Chen and Huang questionnaire (2009) was used to measure the variable of strategic human resources management programs and Spreitzer and Mishra (1995) questionnaire was used to measure the variable of empowering employees. Kolmogrov-Smirnov test was used for investigating the normality of data and correlation test, regression coefficient, t independent groups, ANOVA was used to analyze data and test research hypothesis. The results showed that there is 0/56 positive and significant relationship between strategic human resources management programs and empowering employees (R=0/56, P<0/05). Also multiple regression analysis showed that 0/31 changes of employee empowerment through strategic human resource management programs is predictable, and the highest share in this prediction is related to the factor of participation (β=0/57). The results demonstrated no significant difference between any of the above variables in terms of empowerment.   Manuscript profile
      • Open Access Article

        88 - The Application of Combined Fuzzy Clustering Model and Neural Networks to Measure Valuably of Bank Customers
        Raheleh Nasiri Sharifi Maryam Rastgarpour
        Manuscript profile
      • Open Access Article

        89 - The hybrid approach based on genetic algorithm and neural network to predict financial fraud in banks
        Afsaneh Azimi Majid Noor Hosseini
        Manuscript profile
      • Open Access Article

        90 - Studying Organizational learning of Bank Staffs in Dorud
        Maisam Latifi Mohammad Reza Hashemi
        This descriptive survey is conducted to study organizational learning process of bank staffs in Dorud city. Research statistical population included 321 staffs of understudied banks. 175 individuals were selected as research sample through using Cochran formula. Researc More
        This descriptive survey is conducted to study organizational learning process of bank staffs in Dorud city. Research statistical population included 321 staffs of understudied banks. 175 individuals were selected as research sample through using Cochran formula. Research data were collected through a questionnaire. Data were analyzed using SPSS. Research findings showed that collective learning, organizational evolution, individual empowerment, knowledge management, as well as applying information technology were more than intermediate among bank staffs in Dorud. According to research results, it concluded that organizations may cause development along with global evolutions by providing necessary requirement of permanent learning for staffs Manuscript profile
      • Open Access Article

        91 - Presenting a model for evaluating the social responsibility planning and management of banks (including a case study)
        Ehsan Beigi Mohammadreza Rasouli Seyed Vahid Aghili
        Compared to other companies, banks play a key role in institutionalizing social responsibility in societies. The role of banks as facilitators and drivers of economic and trade wheels, as wealth-generating institutions and also as service providers for local, national a More
        Compared to other companies, banks play a key role in institutionalizing social responsibility in societies. The role of banks as facilitators and drivers of economic and trade wheels, as wealth-generating institutions and also as service providers for local, national and international communities, shows the importance of these institutions in promoting the intellectual movement of social responsibility in the whole society. The purpose of the research is to provide a model to evaluate the social responsibility planning and management of banks. Among the main functions of this research, we can mention the identification of goals and formulation of programs related to corporate social responsibility, creating a common understanding and language of corporate social responsibility among senior managers, facilitating measures related to social responsibility planning and management, and supporting the implementation of these programs. did The findings show that there is a perfect match between the perspective of public relations and the performance of banks in choosing areas of responsible activity, so that both departments state that charitable and humanitarian activities, helping the injured, etc., have been favored by banks. Manuscript profile
      • Open Access Article

        92 - operational and credit risk model on planning management and efficiency of banks admitted to the stock exchange
        Seyed Siavash Abolghasemi , Seyed Ali , Nabavi Chashmi Erfan Memarian Mohammad Taghipour
        In the current research, the model of operational and credit risk on planning management and efficiency of banks admitted to the stock exchange was investigated. The present method is among descriptive and applied research. From the 318 active banks in the Tehran Stock More
        In the current research, the model of operational and credit risk on planning management and efficiency of banks admitted to the stock exchange was investigated. The present method is among descriptive and applied research. From the 318 active banks in the Tehran Stock Exchange that were present in the years 1386 to 1398, according to the limitations, 108 banks were selected as a sample. To determine whether statistically the variance of the errors is significantly dependent on time or not. LM test was used. In order to calculate and prepare the research variables, as well as to extract the descriptive statistics of the main research variables, Excel software was used, and SPSS and GARCH statistical software were used to estimate the regression models and test the hypotheses. The results of the research showed that all research hypotheses were confirmed, in other words, credit growth and profitability and capital-to-asset ratio are significant on the stock returns of banks admitted to the Tehran Stock Exchange. Manuscript profile

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