Consumer credit risk assessment involves the implementation of risk assessment techniques to manage a borrower’s account from the event of pre-screening a potential application through to the management of the account during its life-cycle and possible write-off. This paper presents an empirical investigation to study the relationship between 13 different factors such as credit history, applications’ educational and management skills, etc. and credit risk. The study selects the profiles of 380 applicants who received loans from one of Iranian banks named Bank Mellat in city of Tehran, Iran over the period 2010-2011. Using Pearson correlation, the study has determined a meaningful relationship between applicants’ profiles including credit history, business characteristics, personal characteristics, etc. and credit risk.

Customer relationship management (CRM) systems track and measure marketing campaigns over different networks. There are literally many studies associated with the implementation of CRM in different industries. This paper presents an empirical investigation to determine effective factors influencing on the success of CRM implementation. The study designs a questionnaire in Likert scale on measuring various factors and distributes it among selected employees who work for the biggest software maker firm in city of Tehran, Iran. Using principal component analysis, the study has detected five factors influencing on the succes of CRM including customer relationship technologies, customer oriented, enterprise development strategies, customer services and business plan.

A mild and efficient procedure has been proposed for oxidation of benzylic alcohols to the corresponding carbonyl compounds using polymer-supported dichloroiodate (PSDI). The oxidations were carried out in acetonitrile solution, affording the corresponding aldehydes or ketones in high substrate conversion and short reaction time under mild aprotic conditions. Excellent selectivity was observed between primary benzyl alcohols and secondary ones as well as non-benzylic alcohols in the oxidation reactions. The catalyst can be easily prepared and regenerated.

During the past two decades, there have been some concerns on application of multiple criteria decision making on prioritizing production planning. In this paper, we present an empirical investigation to use Technique of ranking by similarity by positive ideal solution (TOPSIS) for ranking various alternatives productions in an Iranian firm in Faucet industry named Irandoosh. The proposed study uses fuzzy numbers to handle uncertainty and using five criteria of profitability, life cycle, quality, social issues and production capacity, analytical hierarchy process is employed to rank various alternatives and then rank different products based on TOPSIS technique.

Capital structure is a controversial issue in the field of corporate finance. There are several studies to find a way to determine the optimal capital structure to minimize the cost of capital and maximize the corporate value. In fact, capital structure is a combination of firms’ liabilities and capital to meet long term assets. This paper investigates the role of the hierarchical theory in explaining the capital structure of the firms based on enterprise life cycle model on selected firms listed on Tehran Stock Exchange (TSE) using three methods of net equities, net liabilities and retained earnings. The study uses Park and Chen’s (2006) method [Park, Y., & Chen, K. H. (2006). The effect of accounting conservatism and life-cycle stages on firm valuation. Journal of Applied Business Research (JABR), 22(3), 75-92.] to categorize the life cycle of 81 randomly selected firms from TSE over the period 2007-2012. The results indicate that the hierarchical theory represents the growing firms better than the matured firms do. The results also show that firms were more willing to reduce their dividend per share for financing their projects.

A green and efficient method for the synthesis of (4 or 5)-aryl-2-aryloyl-(1H)-imidazoles via self-condensation reaction of arylglyoxal hydrates in the presence of ammonium acetate using water as solvent under ultrasonic irradiation was reported. The reactions proceeded in high yields and very short reaction time. Introduced procedure is completely ecofriendly and don’t need any toxic organic solvent in all performing steps. In addition, we use computational chemistry for acquiring some information about the thermochemistry and geometrical structure of these imidazole derivatives.

These days, we see an increasing competition among different business owners and they strive for customer retention. Customer relationship management plays an important role to increase business performance and attracting new customers in an attempt to have more market shares. One primary concern is to find more about important factors influencing customers being satisfied with different services they may receive. This paper performs an empirical investigation to find important factors influencing customer relationship management (CRM) in information and communication firm is city of Tehran, Iran. The survey uses factor analysis to find important factors using a questionnaire consist of 27 variables. Cronbach alpha is calculated as 0.861, which validates the questionnaire. The survey detects six factors influencing CRM learning performance attributes, enterprise resource planning, perception attributes, structure oriented, perception image and organizational resources.

The investigation of dynamic response of intervertebral disc is beneficial for the development of new synthetic and engineered tissues for treating diseased or injured disc. There are limited experimental studies on comparing the effect of loading mode and rate on global response of intervertebral disc. In this study, in-vitro experiments were performed using a total of 24 porcine motion segments. The harvested specimens were assigned to prolong and 2 different cyclic loadings. Both disc deformations and water contents were measured to investigate how the mode and rate of loading affect the response of intervertebral disc. In parallel, a backward FE poroelastic model combined with in-vitro experiments were used to find the material properties of intervertebral discs. The experimental result showed that the final disc height loss under creep loading was significantly greater than cyclic groups. Increasing the frequency of cyclic loading decreased the disc height loss. The water content decreased significantly in cyclic loading from those in prolong loading. The backward FE models showed that, the elastic modulus of anulus fibrosus and nucleus pulposus were 2.43 (±0.48) MPa and 1.46 (±0.29) MPa, respectively. The hydraulic permeability was 2.08 (±0.42) ×10-16m4/Ns, and the Poisson’s ratio was 0.21 (±0.03). In conclusion, this study investigated how the loading mode and rate affect porcine intervertebral disc deformation. It is found that dynamic stiffness is greater at higher frequencies which resulted from interactions between the solid phase and fluid flow within the disc.

Procurement risks analysis is a crucial study in supply chain risk management. According to the phenomenon of snow ball effect, if a risk occurs at the primitive node between buyer and supplier, it will be strengthened and extended throughout the entire network. Hence, it can have more disruptive influences comparing with risks that happen in further nodes. In this paper, through a case study, the most important risk factors and its multi-dimensional consequences in procurement risk analysis is derived from the literature review and implementing a Delphi method that takes into account the nine risks factors and 39 preliminary variables as risk consequences. The nine risk factors are limits of global communication, packaging and transportation, procedures and standards, sanction, supply of equipment, price of equipment, Communication, management of technology and delivery mistakes.

During the past few years, operations research applications in health care operation management have grown quickly. On the other hand blood as a perishable, valuable and lifesaving product is one important asset of any healthcare center. Therefore, designing a blood supply network comes to importance. It also should be noted that a blood supply chain comprises specific modifications. This study intends to locate blood bank components in a network, and to determine the allocations among the network components. The supply chain components considered in this study are donation sites, testing and processing labs, blood banks, and demand points. It is known that demand centers such as hospitals and clinics highly depend on blood products and any deficiency in procurement can even result in a person’s death. Thus, in the last layer of the considered network a transshipment sub-network is considered between demand points. Most of the intricacies in problem formulation of blood supply chain are regarded in this study; cases such as blood wastage, blood product decomposition in lab facilities, and transshipments between demand points. Due to the fact that for such an important and lifesaving supply chain the aim would go beyond minimizing cost, another objective function is presented for the problem. Hence, to obtain a Pareto solution for both objective functions ?-constraint method is utilized. Finally, to demonstrate the applicability of the problem, the model is implemented on a number of problem sets.