مهناز ربیعی

Today, gamification, as a new, attractive and efficient method, can transform disease prevention education. This method uses game elements, such as points, levels, challenges and rewards, to transform the learning process into an enjoyable and motivating experience. In this regard, the aim of this study is to present an applied gamification model for disease prevention education. This study was conducted within the framework of a qualitative approach and using a grounded theory method. In order to collect information, purposeful sampling was used with 22 experts, semi-structured interviews lasting between 30 and 40 minutes in the spring of 1402. Data coding was carried out in three stages: open coding, axial coding and selective coding, and MAXQDA2020 software was used for analysis. The findings include the extraction of 462 open codes, 99 concepts, and 22 categories. The main category in this study is the application of gamification for disease prevention education. The results of the study include providing of a practical gamification model, including causal conditions, central category, context, solution, intervening conditions, and consequences, which can be used to improve disease prevention education. The proposed solutions include: using incentives and rewards; creating attractiveness in the produced content; using modern technology; advertising and information; research and review; evaluation; Finally, it can be said that the use of these strategies in disease prevention education can significantly improve the health and well-being of society.

The purpose of this research is to investigate the impact of shock of budget deficit, public sector debt and government financing methods on the economic welfare index (with an emphasis on the consumption and wealth components) using the Structural Vector Autoregressive Model and annual data over a period of time from 1371 to 1401 S.H. The results indicate that in the long term, the budget deficit has no effect on the consumption and wealth index, the effect of public sector debt (government debt to the country's banking system, including borrowing from the central bank, banks and credit institutions) on the consumption index is negative and on the wealth index is positive. The effect of money issuance and liquidity growth on the consumption and wealth index is negative, the effect of government financing through the issuance of bonds on the consumption index is positive and more strongly positive on the wealth index. Direct tax on the consumption index has positive effects and tax on wealth and property also has an inverse relationship with the wealth index. The results of the research indicate that the government budget deficit alone does not have an effect on the consumption and wealth index, while the consequences of the budget deficit and financing methods can overshadow consumption and wealth.In recent years, due to the unprecedented increase in liquidity, taxes and inflation rate, the disposable income in Iran has decreased significantly, which can have a negative effect on consumption and wealth on the one hand, and on the other hand, increase the budget deficit and public sector debt. As a result, the study of the subject under investigation is of special importance and necessity at the present time, because the problem of budget deficit and government debt, as well as the severe reduction of economic welfare in Iran, is undeniable. From the examination of the above cases and the resulting results, it is possible to understand the severity of the influence of the economic welfare index and household behavior in Iran in relation to monetary and financial policies. Also, regarding the level of government involvement in Iran's economy and the policies adopted during the period of 1371-1401 and the relationship between them and the trend of the economic welfare index, it obtained significant results.

According to the purpose of this article, the best research method is the use of multivariate (systemic) time series patterns, the self-regression pattern of structural survey (SVAR). The main goal in this model is to use economic theories instead of Cholsky's analysis, so that it is possible to recover structural impulses from the impulses of the resolved form.

The results indicate that the budget deficit variable does not have a significant effect on the consumption index, while public sector debt (the government's debt to the country's banking system) causes a decrease in consumption, money circulation and increased liquidity are also identified as the biggest factors in reducing the consumption level index. became Government financing methods, including direct taxes, have a positive but relatively small impact on the consumption index, and finally, government financing through the issuance of bonds has a relatively small positive effect on the consumption index.Regarding the effects of the above variables on the wealth index, the budget deficit variable has no effect on wealth, public sector debt has had a positive and significant effect on wealth, money circulation and increased liquidity also cause a decrease in wealth, and bond issuance is the most important factor. The level of wealth has increased, while the tax on wealth has an inverse relationship with the amount of wealth.

According to the results obtained in this research, it can be concluded that the government budget deficit alone has no effect on the consumption and wealth index, while the consequences of the budget deficit and financing methods can overshadow consumption and wealth.The increase in the amount of money reduces the value of the national currency and the level of household consumption in Iran, this causes the value of people's assets to decrease as a result of the household's purchasing power, disposable income and consequently consumption. On the other hand, since Iran's economy relies on imports, with the increase in liquidity, the value of the national currency decreases, imported goods become more expensive, the demand for goods and services decreases, and as a result, the level of consumption also decreases.The financing of the government, which is done through creating debt and borrowing from the country's banking system, greatly reduces the level of household consumption. In other words, the country's banking system, which is responsible for providing resources to economic enterprises and households, allocates a large amount of these resources to the government sector, which reduces the share of resources allocated to the private sector, and this reduces the access of enterprises and households. It goes to bank resources in the economy, as a result, production and consumption in the economy decreases.An increase in direct taxes will increase consumption to some extent, and an increase in wealth tax will decrease the amount of wealth. In other words, since there is a progressive tax in Iran, the increase in the tax rate includes most of the households with high income, so the level of consumption of households with high income is reduced to some extent and their wealth is also reduced, the government is considering acquiring resources. As a result of taxes, income and transfer payments are distributed to the weaker sections, as a result, since these sections include a large share of the country's population, it leads to an increase in the level of household consumption in the country.

The purpose of this study is to design a model for the implementation of new fintechs in the banking industry (peer-to-peer lending). The research method in terms of nature is applied, the research method and method is qualitative, the research approach is inductive, the paradigm governing the research, the interpretive, the research strategy, the grounded theory, and the source of data collection includes the study of theoretical foundations and interviews. The statistical population of the study was divided into two groups including experts in the banking industry and companies providing financial technology services, and finally 20 people announced their presence using the judgmental sampling method and in the form of a snowball for cooperation and their opinions were collected through semi-structured interviews until reaching theoretical saturation. Data collection from several information sources, permanent comparison method in data analysis and prevention of initial assumptions in conclusions through feedback were used to estimate validity and internal consistency method (Cronbach's alpha coefficient = 0.91) was used to measure reliability. The data analysis method was performed by performing three stages of coding including open, axial and selective coding. The results showed that among the extracted codes, causal conditions including: organizational learning, The core conditions include: communication capital, The governing platform includes: partner banks, and environmental conditions, intervening conditions including: organizational factors, etc. Strategies include: policy-making, And the consequences include: knowledge-based policy-making.

The current research aims at the possible scenarios of the sustainable supply chain in the dairy industry with a future research approach. The method of qualitative and applied research and in terms of data collection is a descriptive-survey research. The statistical population of the research includes 11 expert professors (academic experts), experts and specialists working in the country's dairy industries (industry experts), and independent customers and researchers (public stakeholders). The non-probability sampling method is purposeful (judgmental) and snowball. Effective factors and key uncertainties in the dairy industry were identified by the fuzzy Delphi method, then three compatible scenarios were identified with the help of Wizard Scenario software. According to the findings of the research, the factors influencing the driving forces and key uncertainties on the future of the sustainable supply chain in the dairy industry were identified, which include: foreign trade and communication regulations, the state of competition laws, attention to health and safety issues and standards, attention to Inventory maintenance for each product unit, foreign exchange rate fluctuations, inflation rate fluctuations, the cost of raw material production, the cost of spoilage of dairy products, and the motivation and willingness of private investors to invest in the dairy industry. The results of the research showed that after the possible states for each of the key uncertainties were identified with the help of the Wizard Scenario software, three compatible scenarios were obtained with the titles "prosperous", "realistic" and "incurable". . On the other hand, it was determined that the foreign exchange rate and inflation have the greatest impact on other factors and the future of the dairy industry.

The present study aims to identify the most important variables affecting the fluctuations of gold prices. It is the first Iranian research in which the fluctuations in this market are modeled using non-linear Bayesian Model Averaging (BMA) and deep neural network approaches.

It is applied research where monthly data collected from 2010 to 2022 were used. It evaluates 35 factors playing a role in gold price fluctuations. GARCH and random fluctuation models are used to extract gold price fluctuations. TVPDMA, TVPDMS, and BMA models are used to identify the most important variables causing gold price fluctuations. Furthermore, the deep learning approach is used to investigate how effective the selected variables are in gold price fluctuations.

The results indicated that Support Vector (SV) models were more accurate than GARCH models in capturing fluctuations and that BMA outperformed TVPDMA and TVPDMS. Additionally, 12 variables were identified as influential in gold price fluctuations, with in-market factors playing a more significant role than out-of-market factors. The study also employed Convolutional Neural Network (CNN), Long Short-Term Memory (LSTM), and Multi-Layer Perceptron (MLP) neural network models in deep learning mode to predict gold price fluctuations. It was concluded that global interest rates had the most significant impact on fluctuations in the gold price, with the Pivot Point DeMark's Index making the greatest contribution.

Originality/Value: 

The gold market is known for its volatility, and accurate predictions about its future can significantly impact decision-making. Understanding the gold price and making correct forecasts can help inform decisions about buying and selling gold in global markets, and determine the most favorable times for transactions and investments. Therefore, it is crucial to accurately predict the gold price from various perspectives. This research attempted to develop an intelligent model for forecasting fluctuations in the gold price.

Central Bank Cryptocurrency (CBDC) is a semi-decentralized solution based on DLT. This money is issued electronically by central banks to facilitate payments without intermediaries. this research aims to model CBDC and is conducted with a mixed approach (qualitative and quantitative methods). In the qualitative part, a conceptual model was designed by asking the opinions of 20 experts through an open questionnaire and a coding approach was tested by a sample of 102, banking and payment experts. In the quantitative part, the reliability and validity features of the questionnaires were investigated, and in the structural part, the model coefficients were evaluated to check the research hypotheses. The results of this research, while determining many factors affecting the circulation of the central bank's currency, confirm that the circulation of money is the basis for the social acceptance of this phenomenon and emphasizes the necessity of its precise policy. Some background and intervening factors are also identified in the model. On the other hand, the consequences of publishing cryptocurrency in this model are influencing monetary policy, other businesses, banks, and some other micro and macro factors.

The aim of the current research is to present a model for the implementation of new fintechs in the banking industry (peer-to-peer lending). The research method is applicable in terms of purpose, mixed (qualitative-quantitative) in terms of implementation, and survey in terms of nature and method. The statistical population of the research was the managers, supervisors and employees of the financial and technological fields of banks, experts and specialists in the fintech field in the country; and according to the principles and rules of the unlimited population, 384 people were selected as a sample. Data collection was done by semi-structured interviews in the qualitative part, and by the researcher-made questionnaire in the quantitative part. Coding and MAXQDA software were used in qualitative part data analysis, and SPSS and AMOS software were used in quantitative part. The results of the qualitative data analysis of the research were categorized as follows: In this regard, the extracted categories were categorized as follows: Causal conditions: organizational learning, system attitude, and information technology. Key conditions: communication capital, human capital, and structural capital. Governing platform: partner banks, external theorists, government, and environmental conditions. Intervening conditions: obstacles and challenges including organizational factors, community conditions, individual factors, and lack of education and research. Strategies: policy making, strategic plan, and employee satisfaction and loyalty. Consequence: knowledge-based policy making, knowledge management, innovation, creativity and idea, and knowledge-based organization. The results of the quantitative part showed that the fit indices of the model indicate the confirmation of the model at the confidence level of 99%.

Technology transfer is a process that causes the formation of a technology flow from the owner of knowledge as a source to the beneficiary of knowledge as a receiver. In this process, compliance with the principles of professional ethics plays an important role. With the understanding of this importance, the present research was conducted with the aim of explaining the effective components in the transfer of knowledge-based technologies with emphasis on professional ethics in the automobile industry.

The research method was mixed (qualitative-quantitative), in the qualitative part, the qualitative content analysis method was used with an inductive approach and in the quantitative section, and the descriptive-survey method was used. The participants in the qualitative section were automotive industry experts, and the statistical population in the quantitative section included engineering experts working in Iran's automobile industry from Iran Khodro, Saipa and Pars Khodro companies. The sampling method was used in the qualitative section with 10 people in terms of the theoretical type, and in the quantitative section, it was a stratified random sampling which 138 people were selected as a statistical sample for study. The research data collection tool was in the qualitative section a semi-structured interview and in the quantitative section a researcher-made questionnaire. Validity and reliability of research data collection tools were confirmed, data analysis was done through fuzzy Delphi analysis and exploratory and confirmatory factor analysis in AHP, Amos software.

The results show the components of effective professional ethics in the transfer of knowledge-based technologies in the automotive industry, includes soft technology futures, hard technology futures, political ethics, economic ethics, social ethics and environmental ethics.

Compliance with professional ethics can be considered as a strategy for the transfer of knowledge-based technologies in the automotive industry.

The purpose of this paper was analyzed and evaluated the impact of fiscal shocks on target variables . In other hand this paper studies the viewpoints of various economists and comparing regulation vs. discretion as a basis for monetary policies. For this purpose, a dynamic s dynamic stochastic general equilibrium model with a new Keynesian approach is employed to sketch an appropriate model for Iranian economy. To calculate the required coefficients, data of the period 1991-2021 and also compares the results of them. This model analyzes government spending, which divides it into the consumption of goods, services, and investment and comparing regulation vs. discretion as a basis for monetary policies. Functions of impulse response demonstrate that enhancement effects of government consumption expenditures less than government investment. finally, it is shown that the effect of the presented rules on the inflation variable is higher than the real sector variables.The important point in this research is that in addition to examining and analyzing the effects of financial policies (government consumption and capital expenditures) we have compared the effects of the aforementioned policies in the form of two different monetary policy. An another important issue that shows the importance of choosing the right policy for monetary policies is how these rules influence on economic variables in the face of incoming shocks.

Since the infrastructure of growth and development has not been formed in the developing and oil-producing countries, and also the private sector does not have the power to operate in this field due to institutional reasons, weak financial and sometimes technical ability, among the factors affecting macroeconomic indicators. In these countries, government spending is more important, which affects the general planning process regarding the allocation of consumption and capital budgets to each of the economic activities. The purpose of this research is to investigate the effects of consumption and capital spending impulses The government is under Taylor's two rules of money and the growth of the money supply. To achieve this goal, a general equilibrium model of stochastic dynamics based on the new Keynesian view has been designed using the available information and statistics of Iran's economy during the period of 1370-1399 according to the realities of Iran's economy. Comparing the results obtained from the simulation in two separate models shows that there is not much difference between the interest rate tool and the growth rate of money to influence the variables of the real sector of the economy. On the other hand, in order to influence the non-real variables in the face of the mentioned impulses, the growth rate of the money volume has performed better than the interest rate.

The present study aimed to identify the key factors in film production in Iranian cinema with a family consolidation approach. The research was qualitative and was conducted by content analysis method. The study population was all experts in the field of cinema, including directors, producers, managers of related institutions. In order to select individuals for interviews, the purposeful method of snowball was used and 14 people were interviewed with a theoretical saturation approach. Research data were collected through semi-structured interviews and analyzed with content analysis and coding approach. The validity of the data was obtained by the method of pluralism in the way of doing work, researcher and participant. The findings of the study led to the identification of 81 open codes and 17 central codes, it can be said that it is necessary to study and consider all the key and influential factors in the production of movies in strengthening the foundation of the family; Therefore, cultural officials and decision makers and policy makers in the field of film production should try to develop a codified and workable program for the identified factors and with the help of all cultural stakeholders, especially filmmakers, take steps towards its maximum realization.

In recent years, due to the existence of severe sanctions and obstacles governing the sale of oil, it has led to an increase in the exchange rate, and on the other hand, the decrease in foreign exchange resources has led to a decrease in the government's income, and the limitation of the income caused by the financial policies of the government is sufficient to cover the expenses of the government. does not give and as a result the budget deficit has caused many problems in the government's economic system. So far, no comprehensive research has been done in the field of developing the optimal model of monetary policies for liquidity and income distribution. Thus, in this article, we try to investigate the effects of optimal monetary policy on these variables and close the existing research gap. Based on this, the main goal of this research is to investigate the effect of optimal monetary policy on liquidity and inequality of income distribution.

The current research method is practical. The period of the current research was 1357 to 1398. To estimate the model, the self-regression econometric model with distributed interruptions or ARDL was used in Microfit 5 software space.

Optimal monetary policies have a positive and significant effect on the adjustment of liquidity volume. Optimal monetary policies have a positive and significant effect on income equality.

Based on the results of the model, the liquidity situation and income inequality have worsened during the period under review, as a result, the monetary policy in the country did not have the necessary efficiency.

Nowadays, cloud computing has attracted the attention of many organizations. So many of them tend to make their business more agile by using flexible cloud services. Currently, the number of cloud service providers is increasing. In this regard, choosing the most suitable cloud service provider based on the criteria according to the conditions of the service consumer will be considered one of the most important challenges. Relying on previous studies and using a meta-synthesis approach, this research comprehensively searches past researches and provides a comprehensive framework of factors affecting the choice of cloud service providers including 4 main categories and 10 sub-areas. Then, using the opinions of experts who were selected purposefully and using the snowball method, and using the Lawshe validation method, the framework is finalized.

This research aims to complete the results of previous studies and answer the following questions with a systematic review of the subject literature:-What are the components of the comprehensive framework for choosing cloud service providers?
-What are the effective criteria to choose a cloud service provider?
-What is the selected framework of effective factors?

Many researchers have looked at the problem of choosing the best CSP from different aspects and have tried to provide a solution in this field. In this regard, we can refer to "Tang and Liu" (2015) who proposed a model called "FAGI" which defines the choice of a trusted CSP through four dimensions: security functions, auditability, management capability, and Interactivity helps. "Kong et al." (2013) presented an optimization algorithm based on graph theory to facilitate CSP selection. Some researchers have also provided a framework for CSP selection, such as "Gash" (2015) who provides a framework called "SelCSP" with the combination of trustworthiness and competence to estimate the risk of interaction. "Brendvall and Vidyarthi" (2014) suggest that in order to choose the best cloud service provider, a customer must first identify the indicators related to the level of service quality related to him and then evaluate different providers. Some researchers have focused on using different techniques for selection. For example: "Supraya et al." (2016) use the MCDM method to rank based on infrastructure parameters (agility, financial, efficiency, security, and ease of use). They investigate the mechanisms of cloud service recommender systems and divide them into four main categories and their techniques in four features of scalability, accessibility, accuracy, and trust
In this research, it has been tried to use the models and variables of the subject literature in developing a comprehensive framework. The codes, concepts, and categories related to the choice of cloud service providers are extracted from previous studies, and a comprehensive framework of the factors influencing the choice of cloud service providers is presented using the meta-composite method.

In this research, based on the "Sandusky and Barroso" meta-composite qualitative research method, which is more general, a systematic review of the research literature was conducted, and the codes in the research literature were extracted. Then the codes, categories, and finally the proposed model are formed. The seven-step method of "Sandusky and Barroso" consists of: formulation of the research question, systematic review of the subject literature, search and selection of suitable articles, extraction of article information, analysis and synthesis of qualitative findings, quality control, and presentation of findings. Lawshe validation method has been used to validate the research findings.

In the meta-synthesis method, all the factors extracted from previous studies are considered as codes and concepts are obtained from the collection of these codes. Using the opinion of experts and considering the concept of each of these codes, codes with similar concepts were placed next to each other and new concepts were formed. This procedure was repeated in converting the concepts into categories and the proposed framework was identified. This framework consists of 27 codes, 10 concepts, and 4 categories (Table 1).
Table 1: Codes, concepts, and categories extracted from the sources
category
Concept
Code
No.
Trust
Security
Hardware Security
1 Network Security
2 Software Security
3 Confidentiality
4 Control
5 Guarantee and Assurance
Accessibility
6 Stability
7 Facing Threats
Technical Risk
8 Center for Security Measures
9 Technology
Efficiency
Service Delivery Efficiency
10 Interactivity
11 Hardware and Network Infrastructure
Configuration and Change
12 Capacity (Memory, CPU, Disk)
13 Functionality
Flexibility
14 Usability
15 Accuracy
16 Service Response Time
17 Ease of use
18 Managerial
Maintenance
Education and Awareness
19 Customer Communication Channels
20 Strategic
Legal Issues
21 Data Analysis
22 Service Level Agreement
23 Commercial
Customer Satisfaction
Responsiveness
24 Customer Feedback
25 Cost
Subscription Fee
26Implementation Cost
27The lack of a common framework for evaluating cloud service providers is compounded by the fact that no two providers are the same, so that this issue complicates the process of choosing the right provider for each organization. Figure 1 shows the proposed comprehensive framework including 4 categories and 10 concepts covering the issue of choosing cloud service providers. These factors are useful in determining the provider that best matches the personal and organizational needs of the service recipient. The main categories are: trust building, technology, management, and business, which will be explained in the following.
Figure 1: Cloud service provider selection framework

By comprehensively examining the factors affecting the choice, this research introduces specific areas such as trust building, technology, management, and business as the main areas of cloud service provider selection and add to the previous areas. The category of building trust between the customer, and the cloud service provider is of particular importance. In this research, the concepts related to trust building are: security (including hardware security, network security, software security, confidentiality and control), (availability, stability and stability), and facing threats (technical risk). In 36% of the articles, the concept of trust is mentioned, but in each study, only a limited number of factors affecting this category are discussed. This research takes a comprehensive look at the category of technology, the concepts of productivity (including service delivery efficiency, interactivity), hardware and network infrastructure (including configuration and repair, capacity (memory, processor, disk)), and performance (including flexibility, usability, accuracy of operation, service response time, ease of use). Considering the variety of services on different cloud platforms, service recipients must ensure that the provision of services is managed easily and in the shortest possible time by the cloud provider. The commercial aspect of service delivery deals with the two concepts of customer satisfaction (including responsiveness, customer feedback) and service rates (including: subscription cost and implementation cost), which are of interest to many businesses. The results of this research will help the decision makers of using the cloud space (both organizational managers and cloud customers) in choosing the best cloud service provider to have a comprehensive view of the effective factors before choosing and plan according to their needs.

Health, Safety, and Environment (HSE) is one of the most important principles that should be considered in any activity, including industrial and service activities. Therefore, this study aimed to evaluate the role of HSE in the parameters affecting the technology foresight approach in an automotive industry.

This study was conducted based on the fuzzy analytic hierarchy process (FAHP) in an automotive industry from 2020 to 2021. The statistical population included experts, supervisors, and managers in Pars-Khodro Company (Tehran, Iran), and the study sample was 138 people. The process of conducting this study included identifying the parameters affecting the technology foresight approach in the automotive industry through a comprehensive library study and implementing FAHP through a field study.

The results showed that all parameters of soft and hard technology, as well as political, economic, social, and HSE factors, significantly affected the technology foresight approach in the automotive industry (P<0.001). The final normalized weights for these six parameters were 0.378, 0.163, 0.280, 0.051, 0.098, and 0.031, respectively. The incompatibility rate of the comparisons was 0.09.

The findings indicated that soft technology is the most important factor and HSE factors are the least important one in technology transfer and foresight approach.

The main problem of this study is to identify the effect of economic uncertainty factors on the performance or profit of the insurance company. One of the important goals that institutions pursue is to create more efficiency in allocating resources. Therefore, paying attention to the effects of these uncertainties and the overall macroeconomic environment on the financial system is of particular importance. If these uncertainties lead to deviations in the portfolio and credit behavior of institutions, it can leave negative effects on the efficiency of the country's economic system.

The method of this study is quantitative-survey type. The statistical population of the research is managers and employees of the insurance company, of which 415 people were selected as a sample and the data required for the research was given in the conceptual model. The independent variable is the factors of economic uncertainty, for its calculation, macroeconomic variables include economic growth rate, inflation rate, and unemployment rate, and the dependent variable of insurance performance was measured with three indices: profit margin, asset return, and customer satisfaction. In this research, in order to test the hypotheses in the inferential statistics section, structural equations using pls and sem methods were used. be The data from 1394 to 1397 are considered for macroeconomic variables.

The results showed that macroeconomic variables (growth rate, inflation rate, unemployment rate) have a significant effect on the performance of the insurance industry, and non-financial variables (political stability, independence of insurance companies from the government) have a significant effect on the performance of the insurance industry. you have

The insurance industry is one of the indicators of development and is considered as one of the most important economic institutions that supports the activities of other institutions. The increase in the instability of the exchange rate and the uncontrollable financial and economic monetary policies will disrupt the existing order in the market and create financial crises. External reactions in this type of financial crisis include disruption in cash flow and accumulation of arrears by bank and insurance joint-stock companies. Since macroeconomic factors affect the profitability of insurance companies, creating a favorable macroeconomic environment can be effective in reducing the effect of shocks, and reforming the structure of insurance companies can reduce the vulnerability and losses of these companies against fluctuations. exchange rate and other macroeconomic variables.

This research aims to study the effect of economic uncertainty on the performance of insurance companies. The insurance industry is one of the indicators of development on the one hand and one of the most important economic institutions, and on the other hand it supports the activities of other institutions.

In this research, the independent variable is economic uncertainty, which for its calculation is one of the macroeconomic variables, which includes three components: 1- economic growth rate, 2- inflation rate, 3- unemployment rate, and the dependent variable is insurance performance, which has three indicators. 1-Profit margin 2-Return on assets 3-Customer satisfaction was measured. In the inferential statistics section, it is used to test hypotheses and find relationships between variables. In this research, structural equations using pls method are used to test the hypotheses

The results showed that macroeconomic variables have a significant relationship with the performance of the insurance industry, and non-financial variables also have a significant relationship with the performance of the insurance industry.

Today, in most countries, the issue of economic uncertainty is one of the most important economic issues. Phenomena such as growth, unemployment, inflation, arise in any country for any reason. The results showed: macroeconomic variables (growth rate, inflation rate, unemployment rate) have a significant relationship with the performance of the insurance industry. Also, non-financial variables (political stability, independence of insurance companies from the government) have a significant relationship with the performance of the insurance industry.

The global banking industry has recently been undergoing fundamental changes. The financial system has to react to these changes worldwide. Start-up financial technology companies called Fintech are looking to respond to emerging customer needs and even create new customers' needs. According to available statistics, a large number of Fintech businesses have failed for various reasons, such as not having a clear framework for their business development, which has led to the wastage of resources. This study has provided a suitable model for the development of Fintech businesses. It used the methodology of "Grounded Theory". Based on this method, it conducted more than a thousand minutes of semi-structured interviews with experts in the Fintech industry. The findings are the extraction of 686 components out of which 112 were, specifically, related the Fintech. Based on these findings, the research model was constructed and theory by doing open, axial, and selective coding. In the end, the components of "recognition and creation of value and its accurate measurement" were identified as the central factors of the model.

The main purpose of this study is providing a competency model for talent identification and succession in the National Gas Company. The research was conducted with a mixed approach. The statistical population in the quality department is the human resources managers of the gas company and 5 university professors and the sampling method is purposeful. In the quantitative phase, the statistical population consisted of the staff managers of the National Gas Company, selected by census method. The qualitative-phase data were collected by semi-structured interviews and a researcher-made questionnaire was also used in the quantitative phase. Data analysis was performed in the qualitative part by thematic analysis method and in the quantitative part by confirmatory factor analysis method by PLS software. The results showed that the competency model for the talent identification and succession planning includes three personal, interpersonal, and organizational dimensions, 8 components and 25 indices.

In many developing countries, faced with the need to promote and strengthen the economy's long-term access to new technology, management know-how in many cases significantly associated with lack of resources, have floundered. Strengthen the local economy with a potential role in the shortage of foreign direct investment on economic growth in these countries is long-term. Therefore, this article tries to account 17 during the period 1990 to 2019 to analyze the impact of developing country foreign direct investment on economic growth in these countries will be discussed.In this study, the effect of labor variables, gross domestic fixed capital formation, the rate of economic openness and foreign direct investment on economic growth is estimated to selected countries.Also, although initially positive effect of FDI on economic growth, but this effect was reversed a year break and have a negative impact on the economy, which could be due to leakage of finance, technology, communications, human resources and vulnerability to be closed.

Today, information and communication technology (ICT) has affected human societies in all dimensions. Despite its significant effects on the economic, political and social development of societies, this technology also has adverse effects. Among these effects, we can mention the background of information and communication technology on social actions and conflicts. Accordingly, in this study, using Autoregressive Distributed Lag method the effect of information and communication technology and income distribution (Gini coefficient) on social unrest was investigated in Iran during the period 1984-2018. The Internal Conflict Index presented by the ICRG Political Risk Index was used as a proxy for social unrest. The results showed that information and communication technology and unfair income distribution significantly increases social unrest in Iran. As well as Inflation also significantly increases social unrest in Iran. However, GDP per capita has no significant effect on Iran's social unrest. Therefore, the policy of developing information and communication technology based on the internal Internet network, improving income distribution and curbing inflation in controlling Iran's social unrest seems necessary.

The present study was conducted to examine the effect of banking stability on banking system efficiency in Iran's economy by using the Markov switching econometric model during 1984 - 2019. Results indicated a decline in foreign exchange earnings resulting from negative oil shocks to Iran's economy, which led to lower banking system efficiency of the Iranian economy due to exchange rate volatility and higher credit risk. Finally, some issues have led to the revenue instability of Iranian banks. The issues are as follows: high risk of banking activity (credit risk) and its impact on other financial and monetary sectors, high cost and complexity of the lending process, high cost of loans and low funding sources, bad debts, and failure to achieve goals of facilities, disrupted monetary and banking systems, low banking system efficiency, lack of optimal allocation of financial sources to essential sectors, violation of depositors' rights, mistrust of economic agents in monetary and banking system, no trust in future, violation of banks' rights by influential persons, and prevention of financial resources entering to production sector of the economy. Instability problems will be solved if the issues mentioned above are solved.

The problems of Iran's aviation industry have been largely due to restrictions on the purchase of new aircraft, engines and spare parts from previous years, but with the unremitting efforts of aviation industry activists, the industry has stood on its own two feet so far. In the last one or two years, new problems have been added to the previous ones, such as the impossibility of refueling at airports abroad and the impossibility of transferring currency even through exchange offices, as two examples of new restrictions that Iranian airlines Faced with additional costs and usually the income and expenses of these companies are not the same and the income of any flight, especially on domestic routes, does not cover the cost of the flight. In this regard, airlines, whether providing full service (FSC) or low-cost carrier (LCC) that seek to adopt unique operational and service strategies (such as (ULH)) as a major indicator in the development of the aviation industry of each country. They are considered, because in addition to increasing aviation demand and improving competition, they have also suffered less damage from the economic crises affecting the aviation industry. In addition to increasing aviation demand and improving competition, they have suffered less from the economic crises affecting the aviation industry. In this article, we have tried to review the advantages and disadvantages of low-cost business models by reviewing the business models of airlines and according to the mentioned cases.

The capital market is affected by various factors. These factors are classified into two categories: internal factors and external factors. Among the internal factors, profitability and profit sharing policies of the company, the amount of company risk, the performance of managers, etc. External factors are beyond the control of the company and are among the most important external factors of economic variables that affect the recession and prosperity of the stock market. The main purpose of this study is to investigate the relationship between capital market development and economic growth in Iran. The required data have been reviewed and tested quarterly during the period 1382 to 1391. In the present study, Dickey- Fuller unit root tests were used to evaluate the reliability of variables, Johansen-Josilius co- integration tests and Granger causality test. The results indicate that due to the lack of development of the Tehran Stock Exchange, the effect of capital market development on economic growth is very small and also according to the tests performed, the effect of economic growth on capital market development is small and insignificant.

The present study aims to describe the Experiences of professors of Islamic Azad University, Tehran South Branch of cultural transformation based on values: Phenomenological study.Research

The research method was applied in terms of purpose and in terms of collecting qualitative information using phenomenological method. The statistical population of the study was all professors of the Islamic Azad University, Tehran South Branch. Samples were selected by purposive sampling method and collected. In order to evaluate the reliability of the results, the three approaches of Rao and Perry (2003) were used. For validity of the results, Lincoln and Guba (2007) construct validity approaches, external validity, descriptive validity, and interpretive validity were used. A modified static-collage method is used to analyze the data.

The research findings showed that the antecedents of value-based cultural transformation including 6 main categories of individual, organizational, moral and religious, economic, political, cultural and social antecedents were classified and the consequences of value-based cultural transformation in There were two categories of organizational and meta-organizational consequences.