iraj nouri

The purpose of this research was to identify the factors affecting financial technology in small and medium businesses using the Grounded theory and structural equation model. The method used in this study was a hybrid method including a qualitative method based on the Grounded theory approach and a quantitative method based on the structural equation approach. In the present study, the data obtained from the text of the interviews were analyzed by MAXQDA software in order to increase the accuracy and speed of the research. Based on the qualitative tactics of content analysis and the foundation's data strategy, 98 initial codes were obtained. Three concepts of economic and employment factors, innovation in the economy and change in customers' behavior were obtained as causal conditions affecting the central phenomenon (formation of the financial technology market). The coefficients obtained from the structural equations show that the variables of economic and employment factors, innovation in the economy and the change in customer behavior have a positive and significant effect on the formation of the financial technology market.

In the current situation of the country, the sanctions and its consequences against the country's economy (difficulty importing raw materials, increasing exchange rates, increasing prices, inflation, economic stagnation and increasing production costs) have caused producers to develop The quantity and quality of their products and especially in the field of financing the supply chain of their products face many problems. Therefore, the current research was conducted with the aim of designing the model of the financing chain in the household appliance assembly industry. In terms of the purpose of this study, it is a type of developmental and exploratory research that was conducted in a qualitative manner using thematic analysis method. The statistical population of this research consists of the sources that were used to analyze the theme. And in order to strengthen the validity of the research, the opinions of supply chain experts and professors were used in the evaluation of the findings. The sampling method is purposeful. Based on this, after searching the databases, 147 sources, including books and articles, were identified and downloaded, and a total of 51 sources contained related codes, which were considered as the selected sample of the research. The results of theme analysis identified 151 basic themes, 43 organizing themes, and 13 comprehensive themes, which were presented in the framework of the assembly industry financing chain model.

The objective of this study is to present a framework to increase the return and profitability and reduce credit risk of Mellat Bank customers by developing the RFM model. In this study, which was conducted as a case study in Mellat Bank of Iran, first the variables of RFM model were identified. In the next step, relevant weights of RFM variables were calculated using AHP technique. In the next step, using the K-means algorithm, customers were clustered based on weighted RFM and extended RFM. The result included customer clusters. The results indicated that the three clusters 5, 1, and 7 obtained the highest scores for receiving facilities and the coefficients for receiving facilities were equal to 0.271, 0.173, and 0.556, respectively. By determining the facility coefficient for the cluster and consequently for the customers presented in these top groups, granting facility becomes more transparent and more purposeful, and therefore, it will help the company increase profitability, reduce the churn among high-efficiency customers, and create value for customers. This research demonstrates a systematic method for granting facilities to recognize the true value based on the capability and prevention of arbitrary acts

Because in the theory of economics, the value of a company is based on the current value of future cash flows and profit is used as a substitute for cash flows, profit forecasting is of particular importance. In the research, the effect of rounding and revision in predicting earnings per share on the investors' attention in Iran has been investigated. After designing the investors' attention assessment indexes, the transaction information was collected from the Stock Exchange in the five-year period of 2011-2015. The statistical sample consists of 120 companies selected by systematic elimination method and totally obtained 600 year-firm. In this research, linear regression and correlation were used to investigate the hypotheses of the research and Eviews software was used to analyze the data and test the hypotheses. What can be said in the summing up and conclusion of the test of research hypotheses is that predicting the earning per share influences investors 'attention, as well as the revision of the earnings per share influences the investors' attention. On the other hand, research studies show that the rounding in interaction with the revision in predicting earnings per share can also affect the investors' attention.

ISO 14001 has attracted interest from industry, international organizations and governments around the globe. ISO14001 standards are designed to help organizations to establish management processes for controlling and improving their environmental performance and for reducing the impact of their operations on the environment. An empirical study using the analytic hierarchy process (AHP) was carried out to find the relative weights and priorities of these critical success factors and benefits The study was carried out in the SMEs ARAK which includes 190 companies; the results of the study indicate that the critical success factors in the order of importance are as follows: management approach, organizational change, technical aspects, and external and social aspects. The results of the study also indicate the benefits that can be obtained by the implementation of ISO 14001: improvement inthe company’s image and reputation, improvement in company’s processes and profits, improvement in customer loyalty and trust, and improvement in staff morale and employere employee relations.

Customer satisfaction represents a modern approach for quality in enterprises and organizations and serves the development of a truly customer-focused management and culture. Measuring customer satisfaction offers an immediate, meaningful and objective feedback about client's preferences and expectations. In this way, company's performance may be evaluated in relation to a set of satisfaction dimensions that indicate the strong and the weak points of a organization. In this research and for the first time in Iran; Multicriteria satisfaction analysis is offered for measuring and analysis of customer satisfaction in export development bank of Iran (EDBI). The integrated methodology evaluates the satisfaction level of a set of customers based on their values and expressed preferences. This research has been performed in according to request of Customer Affairs and Branch Coordination Department in EDBI that by solution of several linear programming model (with respect to Hierarchical structure of customer's satisfaction dimensions), average satisfaction level and importance (weight) of each dimension will be achieved and finally by development of a set of quantitative indices and perceptual maps makes possible the provision of an effective support for the satisfaction evaluation problem.