mohammad ebrahim mohammadpoor zarandi

This research sought to find the determinants and consequences of non-performing loans. For this purpose, meta-synthesis method was used and 7 steps of meta-synthesis proposed by Sandelowski and Barroso (2007) were implemented. The intended sample for meta-synthesis consists of selected studies based on their relationship with the research question. In the present study, the initial sample included 194 sources related to the research topic, which were extracted from databases without time limits. After screening the sources in terms of various items such as title, abstract, content and quality, 151 sources remained, whose results were examined more precisely and combined with each other. The result of this process was the extraction of 118 codes, which were categorized into 10 categories of determinants, 11 strategies to reduce and 12 consequences of non-performing loans. Determinants include international factors, macroeconomic factors, bank-specific factors, industry-related, market, borrower, and loan, political, macro-financial and institutional factors. 36% of determinants were classified in the category of macroeconomics determinants, 31% in the category of bank-specific factors, and 33% in the other 9 categories. Another result of this study is the circular causality observed among the consequences and determinants.

The purpose of this research is to provide a model for evaluating the performance of bank branches using the network coverage analysis model using fuzzy data. In this research, an attempt was made to use a model based on the traditional model of data envelopment analysis, taking into account factors such as the network nature and internal relationships of each decision-making unit, undesirable output, non-optional input, and the variables having a fuzzy nature. which is more consistent with the actual conditions related to the decision-making units and calculates the efficiency in a more accurate way.After presenting the research model, first, based on the studies conducted in the past researches and field studies and obtaining opinions from experts in this industry, indicators were considered as input and output. After identifying the indicators, fuzzy Delphi method was used for initial screening of the indicators. In the following, confirmatory factor analysis technique was used to finalize the screened indicators. At the end of the research, the developed model was solved using the data collected from the studied branches, by Gams software and with the alpha cutting approach. The results indicate that among the 34 investigated branches, 8 are efficient and 26 are ineffective.

The issue of efficiency evaluation is one of the most important challenges facing managers in the dynamic and vital banking industry. Due to the very important and fundamental role of banks in most economic activities, the study of bank efficiency has a special place. Models based on data envelopment analysis had wide applications in the field of measuring and evaluating the efficiency of banks. In this study, we tried to add other assumptions to the traditional model of data envelopment analysis, using a model that is more consistent with the real conditions related to decision-making units and calculates the efficiency more accurately. In designing the data envelopment analysis model in the present study, attention has been paid to the networking and internal relations of each decision-making unit, undesirable output, involuntary input and the fuzzy nature of the variables. After developing the model with the mentioned assumptions, first, based on reviewing previous studies as well as field studies and obtaining opinions from industry experts, indicators considered as input and output. After identifying the indicators, fuzzy Delphi method used for initial screening of the identified indicators from the research literature. After the initial approval of the indices, the indices analyzed using the confirmatory factor analysis technique. Finally, the research model solved using data collected by GAMS software and with alpha-cutting approach. The results show that out of 38 branches examined, 8 branches are efficient and another 30 branches are inefficient.

Liquidity management has been one of the biggest challenges facing the banking system in Iran in the acute inflation conditions in recent years. Facilities granted by banks, regardless of inflationary conditions, usually lead to hidden losses in repayment of loans, resulting in reduced profitability and the risk of inability to meet obligations, resulting in the risk of bankruptcy. The present study aims to estimate the loan repayment loss in Sarmayeh Bank using the weed optimization meta-heuristic algorithm. In the present study, a model was designed to examine the loan repayment loss. Also, to compare the calculated results using the proposed heuristic formula and the income of the granted financial facilities in terms of loan repayment loss prediction, weed optimization meta-heuristic algorithm was used. The results showed that there is a negative correlation between loan repayment losses and the growth of Sarmayeh Bank profitability in high inflation conditions. Also, comparing the loan loss prediction between the calculated results using the proposed heuristic formula, the number predicted by the weed optimization algorithm and the income of the granted financial facilities showed that the loan repayment loss using the weed optimization meta-heuristic algorithm can be calculated.

After-sales service can play an important role in customer satisfaction and maintaining it customers are loyal to a brand after sell to a brand make a constructive connection to it.Thus improving the quality and enhancing the performance of a business. Successful organizations are those that have the ability to consciously use customer information and provide better after-sales service. Therefore, in this research, the credit risk management model in Saipa Yadak dealer network has been designed using financial and non-financial components of after-sales serviceThe results showed that using financial and non-financial components including, service cost, performance of after-sales service agencies, good accounting of agents, the amount of collateral of agents, the quality of services of the network of agencies, the speed of services of the network of agencies Agencies, network age (or age) of agencies, and regional location of the network of after-sales service providers affect optimal credit risk management. Also, firefly algorithm and bee colony algorithm have the ability to predict the optimal management of credit risk using financial components.

The purpose of the present study was to identify and rank business alignment challenges with Information Technology: a strategy for strategic alignment. Statistical population consisted of ten managers and experts of South Steel Company regarding strategic planning and information technologies. A paired comparisons questionnaire was used to collect and to gathering the data, which included six business alignment challenges with information technology (IT) . Hierarchical analysis process was used to analyze the data. The results showed that lack of facilities for performing activities of relative weight (0.308), Lack of board support and relative weight (0.254), Lack of a separate unit for enterprise-wide planning with relative weight (0.163), Lack of appropriate Information Technology (IT) skills and strategies with relative weight (0.134). Failure to evaluate organization readiness with relative weight (0.081). And not using information technology (IT) to gain strategic competitive advantage with a relative weight (.053) ranks first to sixth.

Despite the importance of using information technology, today many organizations are experiencing problems in not meeting business needs due to the high volume of IT investment and the low level of alignment with organizational strategies and performance. On the other hand, the simultaneous investigation of the relationship between the three variables of information technology, business strategy, and organization performance has not been the focus of previous research, which led us to examine the relationship and provide a model between the alignments of information technology investment with IT. Business strategy deals with the performance of the organization AH have been applied and community solidarity survey of all employees of South Steel Company. In this survey, 26 people were selected as the sample size by the total census method. Data were collected using a questionnaire whose validity was evaluated and confirmed by Cronbach's alpha. Data analysis was performed using the Structural Equation Approach and Liesel software. Findings showed that between business strategy and IT investment strategy, between IT investment and business performance strategy, between alignment and Business structure with organizational performance and between alignment and technology investment there is a significant relationship between information and organizational performance. Therefore, if the information technology and organization strategies are defined in the same way, and the organization strategies are integrated with the information technology strategies and will improve the organizational performance.