Evaluating the Productivity of Production Factors in Refah Bank in North Khorasan Province Using Malm Quist Index
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The Study and Prioritization of Job Satisfaction Dimensions in Zanjan-Based Refah Bank Employees
International Journal of Finance & Banking Studies IJFBS Vol.1 No.1, 2012 ISSN: 2147-4486 available online at www.ssbfnet.com The study and prioritization of job satisfaction dimensions in zanjan-based Refah Bank employees Siavash Rashidia*, Hashem Kozechiab, Akbar Heidaryc a,c Islamic Azad University Zanjan Branch ,Iran bTarbait Modares University, Iran Abstract Theories associated with job satisfaction are based on the principle that all environmental elements could shape entire career satisfaction. In literature, major studies illustrate that positive and negative emotions are largely associated with job satisfaction. Job satisfaction source is not only job position but also other factors such as the physical and social work environment, relationships with supervisors and colleagues, group culture and management style of the managers. In this study, it is aimed to evaluate and prioritize the five dimensions of job satisfaction in Zanjan Refah Bank employees: (i) the nature of the job (ii) supervisor, (iii) peer, (iv) promotion and (v) payment. In this study a field research was applied with a survey study. To testify the hypothesis, the Pearson parametric and Friedman test was conducted. The major findings of this study are (i) there is a negative correlation exists between level of education and nature of the job (ii) job promotion and payment, (iii) there is not any significant differences in job satisfaction between men and women. Keywords: Refah Bank, Zanjan, job satisfaction © 2012 Published by SSBF. 1. Introduction Banking industry today is faced with numerous challenges, For example, increased competition, tighter regulations, customers are more intelligent and sensitive to price and discrimination in assessing of banks are challenges that banks face (Hoffmann et al., 2012). -
The Effect of IT on Organizational Structure (Case Study: Refah Bank in Guilan)
The Effect of IT on Organizational Structure (Case study: Refah bank in Guilan) Received 17 March 2012, Accepted 20 May 2012 Afshin Mirmasoudi Yaghob Farjami Alireza Pourebrahimi M.A of Information Technology Manage- Assistant Prof. Faculty of Engineering, Assistant Prof. of Islamic Azad University, ment, Islamic Azad University, E-Campus University of Ghom, Ghom, Iran E-Campus Refah Bank, Emam Khomeini St., Rasht, Iran P.O.Box: 37161-46611 No. 166, Zafar St., Tehran, Iran +98 911 1343929 +98 912 7472685 +98 21 22221632 [email protected] [email protected] [email protected] ABSTRACT 140 managers and heads of branches and experts of ‘Refah’ Undoubtedly, information technology (IT) has undergone Bank in Guilan. The collected data was subsequently ana- extensive developments in various social and economic lyzed by using software SPSS 18 the propounded hypothe- spheres; its effect on human society is in such a way that sis based on research model were duly analyzed with t-test, the world today is referred as information society. Besides, which confirmed significant relationship in the impact of information technology, attributed as the main agent of IT on organizational structure. The obtained results pin- global change, is to achieve meta- organization purposes. It pointed the importance of IT in easing the complexity and also pertains to appropriate information formulated in the Centralization and reducing bureaucracy (Formalization) strategic policy of a given organization to achieve its ulti- in organizational structure of the ‘Refah’ Bank in Guilan. mate organizational goals. Extensive research from differ- ent aspects is conducted on the impact of IT on organiza- Keywords tional structure over the past three decades. -
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Int. J. Nonlinear Anal. Appl. Volume 11, Special Issue, Winter and Spring 2020, 299-309 ISSN: 2008-6822 (electronic) http://dx.doi.org/10.22075/ijnaa.2020.4604 Evaluating the Effectiveness of Data Mining Techniques in Credit Scoring of Bank Customers Using Mathematical Models: A Case Study of Individual Borrowers of Refah Kargaran Bank in Zanjan Province, Iran Abdollah Nazaria∗, Mohammadreza Mehreganb, Reza Tehranib aPhD Student of Industrial Management, Alborz Faculty, University of Tehran, Tehran, Iran. bProfessor, Faculty of Management, University of Tehran, Tehran, Iran. Abstract Loan deferment is a negative consequence of the activities of financial institutions. Increase in the amount of deferred loans can diminish productivity in the banking sector. The purpose of the present research is to cluster bank customers in order to prevent loan deferment and identify and classify customers with varying levels of loan repayment risk. In the proposed method, k-means, two-step, and Kohonen techniques are used for clustering and determining the behavior of each cluster. The results indicate that the k-means model with five clusters has the highest clustering accuracy. Clustering is also used to determine underlying feauture. loan term, loan value, and collateral value are respectively identified as the most influential feauture . Customers are clustered after removing non-significant feautures. Eight different machine learning techniques are usedfor clustering. These techniques are ranked in terms of efficiency based on certain evaluation criteria and using data envelopment analysis. The results indicated that support vector machine (SVM) and artificial neural networks (ANN) are the most efficient of the examined techniques. Keywords: Credit Scoring, Clustering, Data Mining, Data Envelopment Analysis (DEA). -
CHAPTER 3 HYDROLOGICAL MODELING 3.1 Introduction 3.2
The Study on Flood and Debris Flow Supporting Report I (Master Plan) Paper IV in the Caspian Coastal Area Meteo-Hydrology focusing on the Flood-hit Region in Golestan Province CHAPTER 3 HYDROLOGICAL MODELING 3.1 Introduction An integrated and distributed MIKE SHE hydrological model is used to evaluate rainfall-runoff process in the Madarsoo River basin. The model is able to analyze impacts of watershed management practices, land use, soil types, topographic features, flow regulation structures, etc. over the basin on river flows. For this, MIKE SHE model was coupled with MIKE 11 river modeling system to simulate flows in the river system. Inflows and hydrodynamic processes in rivers are taken into consideration for model development. The model computes river flows taking account of overland flow, interflow and base-flow. An integrated and distributed hydrological model MIKE SHE was set up for the Madarsoo River basin for the following reasons: (1) To generate probable or design discharges precisely in the river system to assist on flood control master plan development, (2) To analyze the impacts of watershed management practices and biological measures of flood mitigation by quantifying river flows under these circumstances, and (3) To analyze the impact of incorporation of flood regulation structures like dam in the river system to reduce peak flows. 3.2 MIKE SHE MIKE SHE is an integrated hydrological model because all components of hydrological cycle (precipitation, evapotranspiration, surface flow, infiltration, groundwater flow, etc.) are incorporated into the model. Similarly, and it is also a distributed model because the model can handle spatial and temporal distributions of parameters. -
Iran-Related Designation Updates; Issuance of Iran-Related General License; Publication of Iran-Related Frequently Asked Questions
Iran-related Designation Updates; Issuance of Iran-related General License; Publication of Iran-related Frequently Asked Questions The following changes have been made to OFAC's SDN List: AMIN INVESTMENT BANK (a.k.a. AMINIB), No. 51 Ghobadiyan Street, Valiasr Street, Tehran 1968917173, Iran; Website http://www.aminib.com [IRAN]. -to- AMIN INVESTMENT BANK (a.k.a. AMINIB; a.k.a. "AMIN 1B"), No. 51 Ghobadiyan Street, Valiasr Street, Tehran 1968917173, Iran; Website http://www.aminib.com; Additional Sanctions Information - Subject to Secondary Sanctions [IRAN] [IRAN-E013902]. BANK KESHAVARZI IRAN (a.k.a. AGRICULTURAL BANK OF IRAN; a.k.a. BANK KESHAVARZI), PO Box 14155-6395, 129 Patrice Lumumba St, Jalal-al-Ahmad Expressway, Tehran 14454, Iran; all offices worldwide [IRAN]. -to- BANK KESHAVARZI IRAN (a.k.a. AGRICULTURAL BANK OF IRAN; a.k.a. BANK KESHAVARZI), PO Box 14155-6395, 129 Patrice Lumumba St, Jalal-al-Ahmad Expressway, Tehran 14454, Iran; Website www.agri- bank.com; alt. Website www.bki.ir; Additional Sanctions Information - Subject to Secondary Sanctions; all offices worldwide [IRAN] [IRAN-E013902]. BANK MASKAN (a.k.a. HOUSING BANK (OF IRAN)), PO Box 11365/5699, No 247 3rd Floor Fedowsi Ave, Cross Sarhang Sakhaei St, Tehran, Iran; all offices worldwide [IRAN]. -to- BANK MASKAN (a.k.a. HOUSING BANK - OF IRAN), PO Box 11365/5699, No 247 3rd Floor Fedowsi Ave, Cross Sarhang Sakhaei St, Tehran, Iran; P.O. Box 11365-3499, Ferdowsi Ave, Cross Sarhang Sakhaie St, Tehran, Iran; Website www.bank-maskan.ir; Additional Sanctions Information - Subject to Secondary Sanctions; all offices worldwide [IRAN] [IRAN-E013902]. -
The Study of the Effect of 5C Factors on the Credit Risk of Natural Customer of Refah E Kargaran Bank and Credit Assessment
European Online Journal of Natural and Social Sciences 2015; www.european-science.com Vol.4, No.1 Special Issue on New Dimensions in Economics, Accounting and Management ISSN 1805-3602 The Study of the Effect of 5C Factors on the Credit Risk of Natural Customer of Refah e Kargaran Bank and Credit assessment Farideh Mohammadi1*, Zadollah Fathi2 1Department of Business Management ,Central Tehran Branch, Islamic Azad University, Tehran, Iran; 2Assistant Professor, Faculty of Management, Central Tehran branch, Islamic Azad University, Tehran, Iran *E-mail: [email protected] Abstract The subject of rating and recognition of banking customer risk is a profound subject that includes the most qualitative indicators to most quantitative cases. Many studies, by determining effective reasons and causes in this domain, have tried to tag well or badly on the customers and be sure of their choice before entering the customer to the bank. This study tries to recognize standards with priority by using three integrated approaches: qualitative based on Decision theory, quantitative based on statistics, and quantitative based on artificial intelligence. This study investigates some banking customers and adjusts its parameters and shows that this integrated approach, which in first step, studies the expected characteristics and recognizes them in a qualitative usage and then uses the artificial intelligence to identify behaviors, has a great value and can perform it with little error percentage. Keywords: Customer Risk, Artificial Intelligence, Multi-Standard Decision, Integrated Approach Introduction Assessment decisions of credit risk are very important for financial institutions because of risks related to inappropriate credit decisions. Credit scoring attracts much attention because the credit industry benefits from money current improvement, credit collections, and reduce the possible risk. -
Kuwaital Kuwayt Mina Al Ahmadi Burqan KUWAIT Wafrah Mina Su’Ud
THE REGIONAL GUIDE AND MAP OF Al Basrah Az Zubayr BASRA Abadan Rumaylah Safwan Khosrowabad Umm Qasr Abu al Khasib Ah Faw Ar Rawdatayn Bi’r Mutribah Al Matla Al Bahrah Al Jahrah KuwaitAl Kuwayt Mina al Ahmadi Burqan KUWAIT Wafrah Mina Su’ud Al Khafji Al Wari’ah As Saffaniyah Weller 11101 WELLER CARTOGRAPHIC SERVICES LTD. is pleased to continue its efforts to provide map information on the internet for free but we are asking you for your support if you have the financial means to do so? With the introduction of Apple's iPhone and iPad and using GoodReader you can now make our pdf maps mobile. If enough users can help us, we can update our existing material and create new maps. We have joined PayPal to provide the means for you to make a donation for these maps. We are asking for $5.00 per map used but would be happy with any support. Weller Cartographic is adding this page to all our map products. If you want this file without this request please return to our catalogue and use the html page to purchase the file for the amount requested. click here to return to the html page If you want a file that is print enabled return to the html page and purchase the file for the amount requested. click here to return to the html page We can sell you Adobe Illustrator files as well, on a map by map basis please contact us for details. click here to reach [email protected] Weller Cartographic Services Ltd. -
The EU Council Tightens Iran Sanctions
Alert Memo BRUSSELS AND LONDON AUGUST 5, 2010 The EU Council Tightens Iran Sanctions On July 26, 2010, the Council of the European Union (the “Council”) adopted a Decision (the “Decision”)1 implementing UN Security Council Resolution 19292 and imposing accompanying measures, with a view to providing a robust and comprehensive package of trade and financial sanctions against Iran. The Council also adopted Council Implementing Regulation 668/2010 (the “Implementing Regulation”),3 adding 74 persons and entities to the list of persons and entities subject to Council Regulation 423/2007 (the “2007 Regulation”),4 which imposed sanctions on specified persons and entities identified as being engaged in or associated with Iran’s proliferation-sensitive nuclear activities or development of nuclear weapons delivery systems, as well as entities acting on behalf of or controlled by such a person or entity. The new measures are effective from July 27, 2010. To become enforceable against natural and legal persons, however, the Decision must be supplemented by implementing measures. By contrast, the Implementing Regulation is binding immediately, but it implements the Decision only in part. Among other things, the new restrictions target: • The financial sector, imposing new restrictions on banking and insurance activities; and • The oil and gas industry, prohibiting new investment, technical assistance and transfers of technologies, equipment and services. The new measures build on existing EU trade sanctions in relation to Iran, which prohibit or restrict the export to and import from Iran of certain technologies relating to nuclear weapons and missiles, where they appear as controlled items in the 2007 Regulation or are dual-use items as listed in Regulation (EC) 429/2009, and freeze the funds and economic entities of specified persons and entities. -
Billing Code 4810-Al Department
This document is scheduled to be published in the Federal Register on 10/14/2020 and available online at federalregister.gov/d/2020-22723, and on govinfo.gov BILLING CODE 4810-AL DEPARTMENT OF THE TREASURY Office of Foreign Assets Control Notice of OFAC Sanctions Actions AGENCY: Office of Foreign Assets Control, Treasury. ACTION: Notice. SUMMARY: The U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC) is publishing the names of one or more persons that have been placed on OFAC’s list of Specially Designated Nationals and Blocked Persons (SDN List) based on OFAC’s determination that one or more applicable legal criteria were satisfied. All property and interests in property subject to U.S. jurisdiction of these persons are blocked, and U.S. persons are generally prohibited from engaging in transactions with them. DATES: See Supplementary Information section for applicable date(s). FOR FURTHER INFORMATION CONTACT: OFAC: Associate Director for Global Targeting, tel.: 202-622-2420; Assistant Director for Sanctions Compliance & Evaluation, tel.: 202-622-2490; or Assistant Director for Licensing, tel.: 202-622-2480. SUPPLEMENTARY INFORMATION: Electronic Availability The SDN List and additional information concerning OFAC sanctions programs are available on OFAC’s Web site (www.treas.gov/ofac). Notice of OFAC Actions On October 8, 2020, OFAC determined that the property and interests in property subject to U.S. jurisdiction of the following persons are blocked under the relevant sanctions authorities listed below. Entities 1. AMIN INVESTMENT BANK (a.k.a. AMINIB; a.k.a. “AMIN IB”), No. 51 Ghobadiyan Street, Valiasr Street, Tehran 1968917173, Iran; Website http://www.aminib.com; Additional Sanctions Information - Subject to Secondary Sanctions [IRAN] [IRAN-EO13902]. -
The Effect of Organizational Neuroticism on Job Attachment of Refah Bank’S Employees (Case Study: Refah Bank’S Employees of the South of West Azerbaijan Province)
Volume 2 Issue 3 INTERNATIONAL JOURNAL OF HUMANITIES AND December 2015 CULTURAL STUDIES ISSN 2356-5926 The Effect of Organizational Neuroticism on Job Attachment of Refah Bank’s Employees (Case Study: Refah Bank’s Employees of the South of West Azerbaijan Province) Saleh Yasamani Department of Public Administration, Mahabad Branch, Islamic Azad University, Mahabad, Iran Mehdi Imani* Department of Public Administration, Mahabad Branch, Islamic Azad University, Mahabad, Iran Abstract The aim of this study is to evaluate the effect of organizational neuroticism on job attachment of branches in the Refah bank of the southern west of Azerbaijan province. The population of staff welfare bank branches was 170 people. The research methodology applied is descriptive- correlation. Also, a standard questionnaire was used to collect data. Validity, approved by supervisors and a number of professors of management and reliability, was confirmed by Cronbach's alpha. To analyze the data, the Kolmogorov-Smirnov test and linear regression were used. The results showed that 95% level of organizational neuroticism (anxious, depressed, dramatic, obsessive, paranoid and schizoid) is positive. The branches of Refah bank have significant effect on job involvement. Keywords: Neurotic Organization, Job Involvement, Bank. http://www.ijhcs.com/index.php/ijhcs/index Page 866 Volume 2 Issue 3 INTERNATIONAL JOURNAL OF HUMANITIES AND December 2015 CULTURAL STUDIES ISSN 2356-5926 Introduction Evidence of organizational studies shows that as humans can experience mental health disorders, the risk of these diseases. Organizations with mental disorders and neurotic conditions return many contradictions and conflicts (Fasl, 1990), which represents a serious threat to organizational health and effectiveness of managers over time for burnout, sabotage and organizational problems (Abdullahi, 2009). -
Discussing the Influence of Pos Devices on Attraction
Indian Journal of Fundamental and Applied Life Sciences ISSN: 2231– 6345 (Online) An Open Access, Online International Journal Available at www.cibtech.org/sp.ed/jls/2015/01/jls.htm 2015 Vol.5 (S1), pp. 5586-5591/Hashemi and Tavrah Research Article DISCUSSING THE INFLUENCE OF POS DEVICES ON ATTRACTION OF REFAH BANK'S RESOURCES FOR INCREASING THE SHARE FROM THE COMPETITIVE MARKET BETWEEN BANKS Ebrahim Hashemi1 and Naser Tavrah2* 1Department of Public Administration, Mahabad Branch, Islamic Azad University, Mahabad, Iran 2Department of Public Administration, Payame Noor University (PNU), P.O. Box, 19395-3697, Tehran, Iran *Author for Correspondence ABSTRACT The purpose of the present research is to investigate the influence of POS devices on attraction of Refah bank's resources for increasing the share from the competitive market between banks in Refah bank branches of West Azerbaijan province. The research is of survey and comparative type. The population includes every store which uses Refah bank's POS device which was announced as13405 individuals by the central branch of Refah bank. Through the Cochran's formula, the sample size was calculated as 374 individuals based on a simple random sampling method. Data collection was undertaken through researcher made questionnaires with reliability of 0.882. Also for the purpose of data analysis via SPSS software relative to measurement at descriptive level the descriptive statistics were used and in terms of explanatory level, the one sample t-test was performed. Test results of the main hypothesis indicates that ease of use and facilitation of accessing Refah bank's POS devices are important elements of banking resources tooling. -
(Cyperaceae) in Northeast of Iran
Annual Research & Review in Biology 4(24): 3848-3862, 2014 SCIENCEDOMAIN international www.sciencedomain.org A Species-Level of Morphological and Nut Micromorphology Study of the Cyperus Complex (Cyperaceae) in Northeast of Iran Maral Pashirzad1, Jamil Vaezi2*, Dorrieh Amiri Moghaddam1, Farshid Memariani3 and Mohammad Reza Joharchi3 1Department of Biology, Faculty of Sciences, Ferdowsi University of Mashhad, Mashhad, Iran. 2Department of Biology, Faculty of Sciences, Shahid Chamran University of Ahvaz, Ahvaz, Iran. 3Research Center for Plant Sciences, Ferdowsi University of Mashhad, Mashhad, Iran. Authors’ contributions This work was carried out in collaboration between all authors. Author MP carried out the study, performed the statistical analyses, and wrote the first draft of the manuscript. The rest of the authors managed the analyses and the literature searches. All authors read and approved the final manuscript. Received 1st May 2014 th Original Research Article Accepted 12 June 2014 Published 10th July 2014 ABSTRACT Background: The genus Cyperus with six subgenera and 45 species is the second largest genus of the Cyperaceae family based on Flora Iranica. This genus includes 23 species in Iran, of which five are located in Northeast of the country. Aims: We determine the taxonomic boundaries among species of the genus Cyperus distributed in Northeast of Iran by using morphological and nut micro-morphological characters. Study Design: Morphometric and nut micro-morphology studies of species of Cyperus in northeast of Iran. Place and Duration of Study: Ferdowsi University of Mashhad Herbarium (FUMH), specimens collected during the growing season 2010 in Northeast of Iran (including three provinces of Khorassan Shomali, Khorassan Jonoubi, and Khorassan Razavi).