One of the most important issues on revenue management in banking industries is the assignment of loan to customers. In fact, a big portion of banks' revenue is from loan assignment and choosing appropriate customers for loan assignment not only reduces the financial risk but also it can increase the revenue. In this study, we perform an empirical study to find out whether customers' financial statements could provide enough information about customers for loan assignment. The other objective of this study is to find out whether banks' officials could understand about the details of customers' financial statements. Finally, we want to find out whether there is any relationship between unpaid loans and customers' credit rating. The present study is executed on an Iranian bank by distributing a questionnaire analyzing the results. The results indicate that there are some strong evidence that financial statement could help bank official determine customers' credit rating. The survey also concludes that highly education and experienced employees are the best people for devoting best credit rating for customers.

The personality of an entrepreneur plays an important role on the success of creating new ideas. There are different characteristics such as courage, hardness, braveness, which could help an entrepreneur reach his/her goals. In this paper, we present an empirical study to learn more about students who are supposed to act as entrepreneur to create jobs in different fields of accounting, computer science, mechanical engineering, etc. In this paper, There are seven aspects of accepting reasonable risk, locus of control, the need for success, mental health conditions, being pragmatic, tolerating ambiguity, dreaming and the sense of challenging in our study to measure the level of entrepreneurship. We implement ANOVA test to measure different entrepreneurship characteristics of students who study in various educational fields. The case study is associated with Sama private university located in city of Zanjan/Iran. The results indicate that there are not meaningful differences among pairwise comparison of many engineering fields.

Teenagers are believed the people who are supposed to build the world & apos; s future. High-risk behaviors such as addiction to drugs, smoking cigarettes, sex, etc. could significantly hurt teenagers and there must be some supporting programs to reduce these issues as much as possible. This paper performs an empirical investigation to study different factors influencing high- risk behavior among teenagers who live in a city of Esfahan, Iran. The proposed study designs a questionnaire and distributes between two groups of female and male teenagers. The results indicate that while there is a meaningful relationship between high-risk behaviors and average teenagers grades among male teenagers there is no meaningful relationship between high-risk behaviors and teenagers & apos; grades among female students. The results also indicate that there is a meaningful difference between gender and high-risk behavior. The season of birth for female and male students is another important factor for having high-risk behaviors. While the order of birth plays an important role among male students, the order of birth is not an important factor among female teenagers. Finally, the results indicate that teenagers & apos; parental financial affordability plays a vital role on both female and male teenagers.

Empowering workers play an essential role on increasing productivity in any organization. The service industries such as insurance companies or banks mostly rely on their own people to retain their customers and incomes. The recent increasing trend on the number of private banks in Iran has increased competition among existing banks. The banking industry strives to empower its employees as much as possible in an attempt to maintain market share by not losing its customers. In this paper, we present an empirical study to detect the most important factors empowering bank employees. The study is implemented for a recently established private bank with 228 people with 32 questions where 15 questions are focused on empowering employees. The results are analyzed using statistical tests and descriptive methods. The results indicate that leadership, academic qualification, appropriate policy and strategy, cooperation and processes play important role on empowering and enabling bank & apos; s employee.

The present research aims to describe and explain factors affecting the success of eCRM system in police telephone-contact centers as a part of their interactive and relationship-oriented programs. In this study, one of the most famous models implemented in several industries such as insurance industry has been evaluated; the results then have been modified for application. The results, in fact, corroborate the main hypothesis, which points to the existence of a relationship between an establishment and its institutional success. In other words, having established an eCRM system, institutions will witness an increase in efficiency, staff satisfaction, and eventually customer satisfaction. The results may also explain the failure of some huge investments in implementing modern technology to disseminate information and establish communication by indicating that large investments in technology do not necessarily bring about required improvement in efficiency. It has also been demonstrated that expanding types of services to include ones such as providing counseling via telephone and placing accurate and relevant information on the website needs to be considered as part of an eCRM system agenda.

The women who lose their partners normally face tremendous challenges among their parents and in society. Women may lose their husbands for different reasons such as divorce, drug addiction, violence and migration. They may often look to build a new life very quickly but will find out that society does not treat them, properly. It is more difficult to find job and even a job opportunity does not provide sufficient pay. In this paper, we study the impact of different affecting parameters on empowering single mothers such as audacity, social responsibility, trouble shooting, flexibility, stress tolerance, etc. We choose 200 single mothers who receive welfare from the government of Iran and distribute a questionnaire among them based on four different questions associated with social, economical, feeling and empowering. The results indicate that audacity and social responsibility are the most important items while being optimistic, independent and flexibility are counted as having the least impact on empowering single mothers.

This paper performs an empirical investigation to study the relationship between different elements such as mental health conditions, believes and overall perception and suicide attempt. Our study covers all female and male students who study in a private university in Iran. There are about 400 students who participated in our survey and we distribute three questionnaires among them consist of various questions. The results indicate that there are strong negative correlations between suicide attempts and students' believes in God regardless of their genders. The survey also indicates that there is not any strong positive correlation between students' mental health care and religious believes. The results of the study show that there is not a meaningful difference between the health care of male students and female students on suicide attempts. The study concludes that there is a strong difference between suicide attempts between female and male students.

This paper identifies and analyzes barriers of customer relationship management (CRM) implementation in SMEs. Hence, based on a comprehensive review of the literature and gathering the viewpoint of experts, the influencing barriers are identified. In order to analyze the identified barriers, DEMATEL methodology is applied and a causal model of the relationships between barriers is developed. Furthermore, based on the DEMATEL results the barriers are also categorized into two groups of driver and dependent. The results of study show that inadequate budget, organization culture, obligation of major management to CRM and inadequate access to modern technical knowledge are among effective impediments and play important role in successful establishment of customer relationship management system.

Agile supply chain plays an important role on having efficient production planning. There are different factors affecting the efficiency of a supply chain and the attempt of this paper is to find the most important elements in agile supply chain. The proposed model of this paper gathers decision makers & apos; opinions and based on DEMATEL technique determines the most important items. The preliminary results of this survey indicate that we could divide the factors into four groups and two elements including automation and utilization of technical tools of relations and information play the most important roles among other factors.

The assessment of risks in an audit work could directly influence the costs, timing, and strategies as well as audit quality. The purpose of this paper is to identify the critical affecting factors on risks proposed in Audit Risk Model (ARM), in Iranian audit environment of Iran. In the present, the Delphi Method consists of 60 audit partners and managers is employed. The panel consists of two equally divided groups, one from audit organization, a governmental organization, and the other from private audit firms. We employ two rounds of Delphi and 58 critical risk factors extracted from auditing literature and Iranian auditing standards and present them to the experts. There are 43 factors categorized as important factors to assess the risks in ARM. The results are considerable in an Iranian audit environment, findings show the most important factors are in inherent risk factors. Finally, we made a comparison with a similar study in Taiwan. Differences indicate that in professional judgment issues like risk assessment, the consideration of particular culture and environment could help enhance the precision of assessments, especially in assessing control risk factors.