During the past century, there were different events where herding behavior created market turbulence and many investors were hurt, significantly. In this paper, we perform a survey to investigate investors’ behavior on creating herding behavior when they face with various levels of uncertainty on available information on the market. The survey designs a questionnaire, distributes it among some investors, and analyzes the results. The findings of our survey indicate that when there is a high level of uncertainty on publicly disclosed information, most investors assign more weights on confidential information or make no decision. In the event the uncertainty is on moderate level, investors rely more on publicly announced news and follow others’ behaviors. Finally, when the level of uncertainty is low, most investors depend on public information but this uncertainty creates less herding behavior compared with the previous case. The study also indicates that those investors who are normally making their decision with high inertia are not influenced by herding behavior.

This paper presents a study to investigate the relationship between creativity and idealistic realistic attitude among high school teachers in city of Gorgan, Iran over the years 2010-2011. The study designs a questionnaire in Likert scale and distributes it among 262 randomly selected teachers. Cronbach alphas have been calculated as 0.88 and 0.876 for creativity and idealistic, respectively. The results of the survey indicate that there was a significant correlation between teachers & apos; creativity and their realistic and idealistic approach. The study also finds out that teachers & apos; with realistic & idealistic approach are more creative than those who are not. In our survey, idealist teachers are more creative than realist teachers are and there is a significant relationship between teachers’ gender and their realistic and idealistic approach.

We present a study to investigate the impacts of four factors on contribution role on society among Arab tribes Jarghoyeh women who live in Iran. The study designs a questionnaire, distributes them among 400 women, and analyzes their feedbacks. There are four hypotheses, which study the effects of various factors on women’s contribution role on society. These factors include educational background, level of welfare, numbers of children and ties of kinship. The results show that while educational background, level of welfare and ties of kinship play important role on women’s contribution role on society, having more children do not statistically have any influence on juvenile delinquency.

This paper presents a social work study on relationship between thinking style and self-esteem as well as socio-economic conditions among university students. The study selects 512 students from Islamic Azad University of Najafabad in province of Esfahan, Iran and distributes a questionnaire, which measures creativity and self-esteem. We also collect students’ socio-economic conditions and analyze the information. The results of our survey disclose that thinking style and self-esteem have overlap with each other. In addition, students with better socio-economic conditions are more creative and use complex style of thinking. The study also provides some guidelines for practically implementing the results of our survey among other students.

This paper presents an empirical investigation to study the effect of internet in insurance industry in Iran. The proposed study designs a questionnaire, distributes it among some experts and analyzes them based on some statistical test. The survey is conducted within insurance firms located in one of provinces of Iran. The results of the study confirm that internet influences competition among providers, bargaining power of customers as well as suppliers, significantly. In addition, internet has meaningful impacts on starting a business, the threat of substitutes, customer satisfaction, perceived image as well as perceived quality. The results of this survey emphasizes on the relative importance of internet for building a better competitive insurance industry.

Automatic teller machine (ATM) is one of the most popular banking facilities to do daily financial transactions. People use ATM services to pay bills, transfer funds and withdraw cash. Therefore, we can treat ATM as a tradition inventory problem and use simulation technique to analysis the amount of cash required on different occasions such as regular days, holidays, etc. The proposed model of this paper uses genetic algorithm to determine the replenishment cash strategy for each ATM. The survey uses all transactions accomplished during the fiscal years of 2011-2012 on one of Iranian banks named Ayande. The study categorizes various ATM based on the average daily transactions into three groups of low, medium and high levels. The preliminary results of our survey indicate that it is possible to do setup different strategies to manage cash in various banks, optimally.

The aim of this study is to examine mediation effect of social skills between impulsivity with substance abuse in adolescents. The research sample consists of 616 students of vulnerable high schools in Ardabil City. Together the data of Impulsivity Scale, Matson social skills scale and substance abuse survey were used [Matson, J. L., Rotatori, A. F., & Helsel, W. J. (1983). Development of a rating scale to measure social skills in children: The Matson Evaluation of Social Skills with Youngsters (MESSY). Behaviour Research and therapy, 21(4), 335-340.]. The results show that impulsivity indirectly is associated with substance abuse students (P & LT; 0.001) through the effect on social skills. The results indicate that high levels of impulsivity and low-level social skills increase substance abuse in students. These results are consistent with other existing results found in the literature.

This paper presents a study to investigate the relationship between organizational culture and communication apprehension among some employees who worked for Iran broadcasting channel. The study has adopted two well-known questionnaires developed by Hofstede (1984) [Hofstede, G. (1984). Culture & apos; s Consequences: International Differences in Work-Related Values (2nd ed.). Beverly Hills CA: SAGE Publications. ISBN 0-8039-1444-X] for organizational culture and McCroskey et al. (1985) [McCroskey, J. C., Beatty, M. J., Kearney, P., & Plax, T. G. (1985). The content validity of the PRCA?24 as a measure of communication apprehension across communication contexts. Communication Quarterly, 33(3), 165-173.] for communication apprehension (CA). We have used Chi-Square test to verify different hypotheses of the survey and the results of the survey have indicated that while there was no relationship between CA and three components including cultures of masculinity, individualistic culture and ambiguity aversion, there was a significance relationship between CA and power distance. The results of our survey indicate that as the power distance increases we may expect a higher level on CA.

This paper presents a comparative study of using a linear probability and Logit models to predict credit risk of the customers in some branches of Bank Mellat in Tehran, Iran. The statistical population of this research includes the applicants of the facilities granted by Bank Mellat in Tehran during the year 2008. Each branches of Bank Mellat of Tehran has been considered as a cluster, where a sample has been taken using simple random method. The sample size consists of 176 companies, 109 legal entities are classified as those ones good at settling their accounts, and 67 as those ones tardy in settling their accounts. The financial ratios of these companies have been calculated based on their audited financial statements and by descriptive and analytical methods of two statistical models. The results show that liquidity ratios are not significant factors for the prediction of credit risks and these two models are not significantly different from each other in this term. Moreover, the accuracy values of credit risk prediction of linear and Logit models are 73.7 percent and 80.3 percent, respectively. Therefore, Logit model is more consistent with reality and more appropriate for such a prediction.