savings

Open Access Article

1 - Impact of Service Quality on Customer Perception: An Empirical Study in India’s Post Office Savings Banking Sector Using SERVQUAL
S. VijayAnand M. Selvaraj

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Open Access Article

2 - The Role of Teachers in Cultural Instruction & Modification of Consumption Patterns A Case Study: Secondary Schools (For Girls) - Tehran District 1
محمد باقر نوبخت توران تقدیمی

Introduction and Research objective: The main object of this study is to find the correlation of guidance school teachers and optimal consumption .In this direction, we investigate the role of teachers as main coustodian of education and as factor that inspire the cultu More

Introduction and Research objective: The main object of this study is to find the correlation of guidance school teachers and optimal consumption .In this direction, we investigate the role of teachers as main coustodian of education and as factor that inspire the culture of optimal consumption on accessible resources of schools and investigate correlation between optimal consumption and teacher's instruction. Method: This is field study and data gathered from library. Also Data are collected by questionnaire and in depth interview as instrument. Method of research is descriptive and inferential. Data are analyzed by spss software. Relationship between the variables is determined by correlation .The population of research is guidance teachers and administrations of 1st District of Tehran. And for determining coefficient ratio Spearman formula is being utilized. Findings: Administrators evaluate direct delivery as effective way but teachers perceive direct delivery has less effective .The difference is significant; Teachers and Administrators both perceive indirect Instruction as similar; Frequency distribution of direct instruction according to educational level has no significant difference and frequency distribution of direct instruction according to work experience has meaningful difference. Conclusion: For consuming pattern, compliance with criterion can reform consumption of students. Because they are in relationships with family and community As a result of compliance with the following criteria modifying consumption pattern will affect entire community and will close moderation. Indirect education is more effective than direct education. So, we can say strictly educating through culturalization, or in another word, cultural education and indirect education is more important and is the richest source in education Manuscript profile

Open Access Article

3 - Appropriate water recycling systems for use in residential architecture in Iran
saharossadat lohmoosavi hutan iravani mohammad kooshafar

10.30495/jest.2023.67400.5682

Background and Objective: In this research, we have interpreted and investigated gray water and provided information through a library. Considering the critical conditions of water resources, it is measured by studying and investigating all types of gray water treatment More

Background and Objective: In this research, we have interpreted and investigated gray water and provided information through a library. Considering the critical conditions of water resources, it is measured by studying and investigating all types of gray water treatment systems with four variables: factors (economic, environmental, residential use and the amount of space used) with entropy and TOPSIS methods. Material and Methodology: The research method in this research is a survey type, the data was collected through a library and field with statistical analysis, the result was obtained that based on the priority of primary physical treatment with a number of 0.881, biological treatment with a number of 0.483, and simple treatment. With a score of 0.305, they have won the third rank. Findings: Three physical, chemical and biological methods have been investigated for the treatment of gray wastewater, of which 62 percent are related to domestic gray wastewater. In this research, gray wastewater treatment is investigated and finally, the best practical option is determined by comparative study and compatibility with residential architecture in Iran. Discussion and Conclusion: In this research, according to the research and collection of materials related to water treatment and examination of gray water treatment systems, the results were obtained using entropy and TOPSIS statistical analysis methods. Manuscript profile

Open Access Article

4 - The role of teachers in improving students' economic behaviors with an action research approach
Mahbobeh Montazer Ataei Somayeh Shemshadi Marzieh Shemshadi

10.30495/ee.2021.685533

Today, the economic behavior of children and adolescents is one of the most important issues in the field of education. All activities of individuals, including children and adults, are somehow related to economic knowledge and economic behavior. The aim of this study w More

Today, the economic behavior of children and adolescents is one of the most important issues in the field of education. All activities of individuals, including children and adults, are somehow related to economic knowledge and economic behavior. The aim of this study was to investigate the role of teachers in improving students' economic behaviors with an action research approach. The research method is mixed. In the qualitative part, action research and in the quantitative part, the survey method has been used. The statistical population is female elementary school students in the second grade of Mashhad city, which was selected by statistical judgment sampling method. The statistical sample of 36 students in Nasr non-governmental primary school in Mashhad was selected. Operational actions in this research have been performing various and attractive practical activities such as games, storytelling, poetry, practical assignments and scientific visits. In the data analysis method, the dependent sample t-test (pre-test and post-test) was used. The results showed that there was a significant difference between the study group before and after the action research. Also, the pleasure of earning money and being involved in seemingly small economic transactions has a great impact on improving their economic behavior. Also, informing children about economic issues has a scientific approach to economic activities in social life and in the macro debate can improve individual efficiency and productivity in society. Manuscript profile

Open Access Article

5 - The use of renewable energies for air conditioning and its role in reforming consumption patterns
Nima Hemmati

This paper examines the opportunities and potential use of renewable energy resources in Iran's.The energy necessary for economic development , social and quality of life and continuous energy, and sustainable economic growth is necessary for any development .Iran has c More

This paper examines the opportunities and potential use of renewable energy resources in Iran's.The energy necessary for economic development , social and quality of life and continuous energy, and sustainable economic growth is necessary for any development .Iran has considerable natural resources to modernize energy supply and the transition to a sustainable energy system is .For the use of wind energy , geothermal energy , hydroelectric power development and use of solar thermal energy is ideal context forIn addition, this study is based on a case study on renewable energy and solar thermal energy and its use in the air conditioning to reduce the use of fossil fuels and the greenhouse effect is taken into consideration . Manuscript profile

Open Access Article

6 - New Economic Instruments of State Regulation of Private Savings, Social Security and Pension Support
Sergii Zakharin Anastasia Duka Maksym Zhytar Olga Rudenko Olha Serdiuk

10.22094/joie.2020.677819

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Open Access Article

7 - Examining the Profile of Consumption and Income of Iranian Households During Life Cycles
Farzaneh Anvari Sajjad Barkhordari Mohsen Mehrara

10.30495/eco.2023.1991316.2767

This study, using the dynamic planning approach and using the statistics and information obtained from the cost and income of Iranian households in the theoretical framework of the life cycle theory of Modigliani and Brumberg (1954), examines the consumption and income More

This study, using the dynamic planning approach and using the statistics and information obtained from the cost and income of Iranian households in the theoretical framework of the life cycle theory of Modigliani and Brumberg (1954), examines the consumption and income profile of the life cycles of Iranian households in the form of two versions. "Certainty Equivalent " and " Buffer stock " (which is equivalent to consumption under uncertainty) from Friedman's theory of permanent income and separate different educational groups and occupations. The results of this study show that in all of these profiles, consumption and income profiles follow entirely each other before the age of 45; In this way, it can be claimed that the CEQ theory is valid until the age of 45 and can explain the consumption and income profile of Iranian households well. The changes in the consumption behavior of Iranian households after the age of 45 show the change in preferences and the uncertainty of future incomes, so the profile of consumption and income after the age of 45 can only be explained with models that also consider uncertainty . Other results of this study show that Iranian households save up to the age of 45 with a "precautionary" motive; After the age of 45, the precautionary motivation to save is weakened, and with the change of preferences and the type of uncertainty, the motivation to "finance retirement expenses" is strengthened, and after the age of 65, they save with the motivation of inheritance. Manuscript profile

Open Access Article

8 - Understanding Factors Impacting to Low Members’ Savings among Savings and Credit Co-operative Societies (SACCOS), A Survey Study in Rural Kwimba District, Mwanza Region, Tanzania
Paulin Paul

The functionality of the Savings and Credit Cooperative Societies (SACCOS) sorely depends to members’ savings. Specifically this study aimed to determine SACCOS’ members saving capacity and to identify factors leading to low members’ savings. Ninety SA More

The functionality of the Savings and Credit Cooperative Societies (SACCOS) sorely depends to members’ savings. Specifically this study aimed to determine SACCOS’ members saving capacity and to identify factors leading to low members’ savings. Ninety SACCOS members were selected and used in this study. Data were collected using structured questionnaire, checklist of interview and documentary review. The collected data was analyzed descriptively whereby percentages and multiple responses analysis were computed. The study findings revealed that SACCOS members in Kwimba District have low saving capacity of below 10,000TZS per month. Among the revealed factors leading to low member savings included; un-payment of interest to members’ savings, few sources of income among members and lack of faith with SACCOS as a strong financial institution hence members fear of losing their money when they consider depositing to SACCOS. Stiff competition from other competitors that offer loans without savings was also among the factors leading to low member savings. The study concludes that low member savings among SACCOS members in Kwimba District is sorely associated with; demographic characteristics of individual SACCOS member, SACCOS as an institution and external environment particularly SACCOS competitors. The study recommends that; SACCOS management should work upon the identified hindrances of low member savings in order to improve member savings capacity and the entire functionability of the SACCOS in Rural Kwimba District. The study as benefited the SACCOS management to strategize on how to increase members savings capacity hence improve liquidity and functionality of the entire SACCOS. Manuscript profile

Open Access Article

9 - تحلیل ساختار و صرفه‌های حاصل از مقیاس تولید سیب زمینی با استفاده از تابع هزینه ترانسلوگ ( شهرستان اردبیل)
جلال خیرخواه مقدم ابوالفضل محمودی غلامرضا یاوری امین دلاور

چکیدهاین تحقفیق با هدف بررسی هزینه‌های تولید و صرفه‌های اقتصادی این محصول در شهرستان اردبیل انجام گرفته است. جامعه آماری این پژوهش 183 سیب زمینی کار می‌باشند که به روش نمونهگیری تصادفی انتخاب شده و اطلاعات به صورت پیمایشی و از طریق تکمیل پرسشنامه جمعآوری شده ا More

چکیدهاین تحقفیق با هدف بررسی هزینه‌های تولید و صرفه‌های اقتصادی این محصول در شهرستان اردبیل انجام گرفته است. جامعه آماری این پژوهش 183 سیب زمینی کار می‌باشند که به روش نمونهگیری تصادفی انتخاب شده و اطلاعات به صورت پیمایشی و از طریق تکمیل پرسشنامه جمعآوری شده است. نتایج تحقیق نشان داد: ساختار تابع هزینه با توجه به آماره‌ی کای اسکویر بدست آمده (36.8) غیر هموتتیک، نتایج آزمون ولد غیر بازده ثابت نسبت به مقیاس و آماره  F بدست آمده(17.04) غیر کاب داگلاس می‌باشد. رابطه جانشینی متقاطع آلن برای ماشین آلات نیروی کار، ماشین آلات و بذر، نیروی کار و بذر، نیروی کار و آب، بذر و آب، مثبت،  برای نهاده‌های ماشین آلات و زمین، ماشین آلات و آب، زمین و ماشین آلات ، زمین و نیروی کار، زمین وّ بذر، زمین و آب منفی بود. کشش هزینه 5044.1- است. که نشان دهنده‌ی کاهش هزینه متوسط به ازای افزایش تولید بوده و تولید در قسمت نزولی منحنی هزینه واقع شده است. صرفه حاصل از  مقیاس برابر با2.504که حاکی از افزایش 2.5 درصدی محصول وستانده به ازای افزایش یک در صدی هزینه می‌باشد.  Manuscript profile

Open Access Article

10 - Cryptocurrencies as a source of value
mohamad mahdi nasiri mohammadreza Kashfy Nishaburi

For long-term savings purposes, cryptocurrency is considered a controversial asset because the value of the cryptocurrency changes significantly several times during the week. Despite the fact that the value of the cryptocurrency has changed since the beginning of the y More

For long-term savings purposes, cryptocurrency is considered a controversial asset because the value of the cryptocurrency changes significantly several times during the week. Despite the fact that the value of the cryptocurrency has changed since the beginning of the year, the cryptocurrency may lose a lot of its value. Cryptocurrency is an innovation that has created many questions even for experts in various industries. In some countries, cryptocurrency has not only become a means of payment, but also an investment tool that is included in the investment portfolio of cryptocurrency fans. In this article, focusing on cryptocurrency as a source of value, cryptocurrency is examined from the perspective of the role of money. Cryptocurrency can be useful as a form of money and has the characteristics of money such as divisibility, durability, dynamism and other features. The function of cryptocurrency is not based on physical assets such as gold and silver, but on mathematical principles. The actual price of a cryptocurrency is determined by the demand from people who want the coins and Manuscript profile

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