درخت حوزه‌های تخصصی

One of the most important risks that the banks and financial institutes face, is credit risk which is related to not-paid instalments or the instalments paid with delay by borrowers. Banks use credit scoring models In order to prevent this type of risk. The goal of this research is to investigate the joint effect of economic time cycles and the industry sector on credit scoring models we are seeking to answer the key question: “when should bank change their credit scoring models based on economic time cycles and for which industry sectors?”. The dataset of the research involves all companies that were applied for a loan in one of the Iranian major banks during the years 2008-2011. The companies have been divided into four industry sectors including “Industry and Mine”, “Oil and chemical”, “Service and Infrastructure” and finally “Agriculture”. Based on the sector of the industry and year, 54 explanatory variables, both financial and non-financial, 12 distinct industry sectors and time-specific data sets are built then classification methods were used to classify customers into two groups of defaults and non-defaults. Finally, we compared the results by Wilcoxon Test. The results show that the companies that are in the groups of Industry and Mine and Agriculture, need their own special credit scoring based on industry type model and time but two other groups don’t need of course in the studies dataset duration. Finally, the study concluded by introducing the credit scoring strategies for different four-cycle of economies

Now a day's software is the baseline for the success of any organization. There is a huge demand of quality software in the customer-oriented market. Regression testing makes it possible but it’s a costly affair. Regression test suite minimization is way to reduce this cost but it is NP hard problem. This paper proposes an effective approach for regression test suite minimization using Artificial Ecosystem Optimization algorithm. To improve its performance a modified Artificial Ecosystem Optimization algorithm is proposed for Test case minimization. To evaluate the performance of proposed approach experiment is conducted in controlled parameter setting on open-source subject program from SIR repository. The results are collected and analyzed in comparison to existing approaches using statistical test. The test results reflect the superiority of proposed approach.

The data stored in data warehouse is used for making strategic decisions by integrating heterogeneous data from multiple sources at a single storage place, where data is used for querying and analysis purposes. With the advancement in the technology, Business Analytics and Business intelligence are being increasingly used in the financial sector for forecasting business decisions. Many On-Line Analytical Processing (OLAP) tools are being largely explored that can contribute to business decision making. Banking operation handles a lot of data as they operate daily. Subsequently, preparing of this tremendous volume of information requires instant and quick tools that can process the information at high processing speeds. Through this research paper, we represent the OLAP cube as one of the tools which can be used for business analysis. A case study of a bank and loan approval process is considered as one of the areas for implementation and analysis of business decisions using business intelligence which can serve as a key factor for increasing intelligence in the banking sector to make reliable business decisions. Higher management can forecast and predict various outcomes from the bank data warehouse using On-Line Analytical Processing technology which provided a multidimensional view of the data. Analysts can make business decisions by analyzing the reports and pattern trends in the graphs. Management can modify existing policies and procedures to increase the growth of the bank and can have a healthy competition with their competitors.

The aim of the study is to develop a set of organizational and pedagogical conditions for integrated training of working teachers and students of pedagogical institutions of higher education to perform labor functions, highlighting the role of teachers in the professionalization of the educational process in a Smart Environment. The article considers the main directions of transformation of the role position of future teachers in the professionalization of the educational process. The article has presented structurally functional model development of role positions of teachers in the formation of professional competencies of students. The development of the role position of the teacher has considered in relation to his professional and personal development and self-awareness as a subject of the educational process under the influence of a Smart Environment. The mechanism of realization of such model has offered by the integrative program which provides integration of formal and informal education and formation on such basis of new competences and development of components of a role position of the future teacher.

The article focuses on the relevance of the implementation  of information and analytical support mechanisms in the activities of local state administrations. Information resources and information processes in general become the main prerequisites for the effectiveness of public administration and local governments. This requires public authorities to implement systems and structures of information and analytical support of government activities, new forms and technologies of information use, new technologies for its collection, processing and analysis, creation and interaction of information databases. Theoretical bases of functioning of information and analytical maintenance mechanisms of local  administrations activity are substantiated; practical offers concerning the improvement of processes of their formation and functioning in system of public administration are generalized and developed.

For the last three decades, research on Information Technology Business Value (ITBV) has highlighted how organizations can create greater value from IT investments in different industries, including the healthcare sector. There has been some research investigating the business value of Health Information Systems (HIS). However, the current body of knowledge regarding the challenges in front of proper business value realization of these systems is limited. This study investigates the challenges of HIS business value creation using a combination of the Fuzzy Analytic Hierarchy Process (FAHP) and fuzzy Decision-making Trial and Evaluation Laboratory (DEMATEL). First, this study reviews the literature to identify the main challenges in the field. The outcome of this step revealed three main categories and 22 challenges, including technological (ten challenges), organizational (eight challenges), and environmental (four challenges). Then, this study first uses FAHP to evaluate the weighting for each criterion and then adopts the fuzzy DEMATEL method to establish contextual relationships among those criteria. We find out that technological challenges are the most crucial dimension. Moreover, we observed that “infrastructure costs” has the highest priority. Under the technological dimension, “maintenance costs” and “systems compatibility” challenges are the most critical since they are in the cause area and directly influence the HIS outcomes. Under the organizational dimension, “Change in strategic objectives” is the most important challenge. Moreover, “inter-departmental coordination”, “training costs”, “proficiency”, and “users’ knowledge” are affected by each other as well as influenced by the net causes. The outcome of this study shows that to handle HIS business value creation challenges, healthcare executives should start with infrastructure costs, maintenance costs, and systems compatibility challenges.

Information technology is becoming a basic tool for many industries, as well as creating an opportunity for direct active communication of all market participants, which significantly increases competition. As a result, customers have a very large selection of goods and services, fairly easy access to them, and significant price diversification. All this leads to new requirements for modern marketing. Modern marketing significantly changes not only the functions but also the approaches to business processes. A highly competitive environment requires companies to use a system of interconnected marketing tools using an integrated marketing approach. The paper is devoted to investigating advertising prices and advertising strategies of Google. The list of major Google products is analyzed. The relevance of advertising strategies to goals, ad placement, message creation, budget constraints, and ad delivery is determined. The difference in advertising prices in different countries has been studied. The cost per click analysis of European countries is carried out. Using the DEA model analyzed advertisement efficiency by VRS technology and input-oriented efficiency for European countries.

In the era of globalization and standardization, Information Technology (IT) brought many changes in people’s lives, it also influenced people's behaviour, communication, and lifestyle. The ability of IT in the business and community is to sustain in an increasingly competitive and global environment which largely influenced their capacity to access information as a resource and usage of advanced technologies. This paper analyzing the impact of IT on the Muslim community in the era of Globalization and Islamization. Several types of research have been done on IT and Islam, IT and behavioural and so on, while this paper specifically focusing on the Muslim community in the era of Globalization and Islamization. Information technology has undoubtedly become the central drive for the evolution of a modern Muslim society globally. The Muslim world or society, like the rest of the ‘world’, participates in the evolution, as well as the usage of using IT to obtain Islamic materials. Such materials include among others the translation of the Qur’an, Tajweed, Hadith, and Tafseer, which are available in word, audio, and video forms through digital content or via interactive chat rooms and forums. This paper focuses on Islamic literature globally accessible and assumes a vital role in spreading Islam all over the world. The paper recommends initiatives policy by government and NGO to promote IT technologies among Muslims around the world for a viable impact on society

As electronic commerce has gained widespread popularity, payments made for users' transactions through credit cards also gained an equal amount of reputation. Whenever shopping through the web is made, the chance for the occurrence of fraudulent activities are escalating. In this paper, we have proposed a three-phase scheme to detect fraudulent activities. A profile for the card users based on their behavior is created by employing a machine learning technique in the second phase extraction of a precise communicative pattern for the card users depending upon the accumulated transactions and the user's earlier transactions. A collection of classifiers are then trained based on all behavioral pattern. The trained collection of classifiers are then used to detect the fraudulent online activities that occurred. If an emerging transaction is fraudulent, feedback is taken, which resolves the drift's difficulty in the notion. Experiments performed indicated that the proposed scheme works better than other schemes.

This paper focuses on the problems of company’s sustainable management in an emergent environment. The authors’ vision of the functioning peculiarities in the formulation of a company’s strategy based on the information support is presented in the article. The world experience of studying the development of investment projects in companies of different industry sectors is investigated and analyzed according to the economic and mathematical modeling. A multivariate model of evaluation and selection of the investment project based on the hierarchy criterion of company's economic objectives with the information technology is developed as an embodiment of the strategic goal of ensuring the company's sustainability. The essence of the hierarchy criterion method is to determine the order and the value of priority of each individual criterion, thus, application of this method allows providing recommendations for making an effective management decision in unpredictable environment. The proposed model based on the hierarchy criterion of company’s economic tasks allows providing sustainability in emergent environment. The analysis and substantiation of the necessity of applying the proposed model with the information technology support is presented in this paper.

The progression of Internet as a vehicle to penetrate and develop markets is far reached. Advancement in telecommunication and technology are very rapid in Malaysia. Further, the spur is supported and promoted by the government whilst Malaysian’s are receptive to this. However, Malaysian retailers seem to channel much of its turnover through the old avenue. This study is a litmus test on Malaysians awareness on the local apparel sites. Some of the highlighted rationale to shop for apparels online is the experience, convenience and availability. On the flip side, non-user friendly, safety and non-sensory environment are underscored. These variables are analyzed using Chi-Square analysis to test its statistical independence, followed by correlation and further regressed. The research is focused on university students within Klang Valley. There are limited resources to previous studies done on this subject as source of reference. Therefore, further studies can bring forth insights on retailers in Malaysia and the consumer’s behavior; or either one, as the catalyst influence awareness on our local apparel sites. Rhetorical as it may sound, no one is prepared to assume risks in a questionable market