delphi-fuzzy approach

Today, some systems such as credit scoring and credit customer rating have been developed to validate customers. The present study is aimed to identify and evaluate the effective factors on the credit risk of real customers of Bank Melli in Iran using Delphi-Fuzzy and Fuzzy -DEMATEL approaches. This research is exploratory in terms of purpose and is descriptive and survey in terms of data collection and analysis. The validity and reliability of the research measure were verified statistically using 20 experts related to the research topic, which was in the form of a questionnaire. A total of 60 factors were identified in 4 main dimensions including personal factors, environmental, behavioral and social factors, credit factors and macroeconomic factors. Later, the model was evaluated, and by re-interviewing the experts through the Delphi-fuzzy technique, 55 factors were finally confirmed. Then, the dimensions and indicators of customers' credit risk were ranked, which was done through the fuzzy- DEMATEL technique. The results of research indicators showed that among the indicators, income index had the highest effect and collateral index had the most impact. Also, among the main dimensions, the personal factor had the highest impact among the factors.

the of this publication was marked by the identify and prioritize of the factors affecting in the staff of the Cultural, Handicrafts and Tourism of the Lorestan.This is combined in the domain of method and deductive - inductive in terms of type of type. which is a applied in the of of purpose and descriptive - survey in the terms of nature and method. The statistical of the study is the employees of the Heritage, the Handicrafts and the selected Organization, who has, as well, using the method - based method based on the principle of theoretical. In the present present present, then using a combination of quantitative and qualitative methods, first using the qualitative data from exploratory texts, the factors of the study social and conducting exploratory were; Then, by extracting the factors, these, evaluated and studied. This collection data was part of the qualitative and in the quantitative, part of the questionnaire and in the quantitative were by using the relative content and Koohn test and the content and reliability of the retest. Qualitative Data were by Atlas software and coding method and quantitative Data were by fuzzy Delphi.In the first stage, in the first stage, a set of machines, a set of factors,The show showed that the emergence of the services process to the people was a sign up of the sales process.

The method of this research is applied in terms of purpose and descriptive-survey in terms of nature and method. The statistical population of the study was the faculty members of the university and the organization of the Premier League. This research was conducted in two stages. Thus, in the first stage, in order to identify the stages of football development, 10 semi-structured interviews were conducted with experts and specialists active in the organization of the football league and the field of sports management. Using content analysis, 30 sub-codes and 5 main codes were identified. Then 30 factors in the form of a questionnaire entered the second stage. In the second stage, the fuzzy Delphi technique was used in two stages to reach a group agreement between the experts and the screening of the findings of the first stage. Based on the results, five levels of development were identified as indicators of financial, organizational, competitive, performance and human resource development. Paying attention to these factors and its sub-sections can guide the managers and planners of the league in order to develop professionalism in the Iranian Football Premier League.

Organizational envy's a negative feeling at all levels of the organization. Consequences like Weakening interpersonal relationships, eliminating friendships and harming the exchange of knowledge for the organization Has a companion. This research is combines methods and the type of research is the study of deductive and inductive.The statistical population of the research is top managers and middle managers of governmental organizations in Khorramabad city. Sampling method was used to select 27 of them as sample members. In this study, using a combination of qualitative and quantitative methods, first with use of qualitative data obtained from exploratory studies included exploratory literature review and interviews exploring the causes of Organizational envyhave been identified. Second by extracting their agents through research survey data are evaluated. The results are includingtwo parts, first a series of organizational inertia causes are identified and second the importance and priority of these factors are determined.  The results indicate that the dissemination of culture of injustice, Personality weakness, workplace discrimination, social degradation, personality disagreement with others Lack of attention to individual skills and abilities, promotion of colleagues and low exchange of member leaders. The most important factors affecting on organizational envy.
Practical consequences:Because envy in the workplace leads to negative attitudes and destructive behaviors in the workplace. Therefore, the envy phenomenon in the corporate environment is to increase productivity and improve the performance of individuals.  The present study adds to the management's research by identifying and prioritizing factors affecting organizational envy.