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Using the Hybrid Model for credit Scoring (Case Study: credit Clients of Microloans, Bank RefahKargaran of Zanjan, Iran)

کلیدواژه: Credit scoring,Clustering,Data mining,UTADIS

نویسندگان: NAZARI ABDOLLAH, MEHREGAN MOHAMMADREZA, TEHRANI REZA

ناشر: مجله مهندسی صنایع - JOURNAL OF OPTIMIZATION IN INDUSTRIAL ENGINEERING (JOURNAL OF INDUSTRIAL ENGINEERING)

In any country, commercial banks lay the groundwork for economic growth by collecting national resources and capitals and allocating them to different economic sectors. Optimal allocation of resources is especially important in achieving this goal. Banks with an effective and dynamic system of custo... ادامه

سال:2019

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Real Earnings Management, Corporate Governance Quality and credit Rating

کلیدواژه: Credit rating,Corporate governance Quality,Real earnings management

نویسندگان: Mohammadi Khanghah Golshan, Piry Parviz, MANSOURFAR GHOLAMREZA

ناشر: بررسیهای حسابداری و حسابرسی - THE IRANIAN ACCOUNTING AND AUDITING REVIEW

Objective: Nowadays Owners uses corporate governance mechanisms to reduce the opportunistic behavior of managers and decrease credit rating level. Accordingly, the purpose of this article is to review the effect of real earnings management on the relationship between corporate governance quality and... ادامه

سال:2020

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Management of Information Asymmetry in credit Transactions by the Seller Through credit Insurance and the way of Managing this Risk by the Insurer

کلیدواژه: Adverse Selection / Commercial Credit Insurance / Information Asymmetry / Moral Hazard / Risk Management

نویسندگان: Amini Mansor, Jafari Diba

ناشر: بررسی های بازرگانی - COMMERCIAL SURVEYS

Nowadays, most of the transactions are concluded in credit terms that impose the risk of non-receipt of credit on the seller. The risk may be due to two categories of commercial and political risks such as inability, unwillingness or bankruptcy of the customer. Although the information asymmetry may... ادامه

سال:2023

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Corporate Governance and credit Risk in the Iranian Banking Industry

کلیدواژه: Banking Industry,Credit Risk,Corporate Governance,Tehran Stock Exchange

نویسندگان: Akbarian Saber, ANVARY ROSTAMY ALI ASGHAR, REZAEI NADER, ABDI RASOOL

ناشر: - Journal of Money and Economy - Journal of Money and Economy

The primary purpose of this research is to investigate the impacts of corporate governance on credit risk in the Iranian banking industry. The sample consists of 20 banks listed on the Tehran Stock Exchange during 2011-2016, using panel data. In this research, credit risk and corporate governance ar... ادامه

سال:2019

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Investigating the Application of Hybrid Support vector Machine Models in Predicting River Flow of Karkhe Basin

کلیدواژه: Bayesian Network,Support Vector Machine,Wavelet,Karkhe Basin

نویسندگان: DEHGHANI REZA, Torabi Poodeh Hasan, YOUNESI HOJJATOLLAH, Shahinejad Babak

ناشر: هیدروژئومورفولوژی - HYDROGEOMORPHOLOGY

Introduction: River flow forecasting is one of the most important issues in water resources management and planning, especially in making the right decisions in the event of floods and droughts. Various approaches to hydrology have been introduced to predict river flow rates, among which, intelligen... ادامه

سال:2020

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The optimum size of rotating qarḍ ḥasan savings and credit associations

کلیدواژه: Microfinance ؛ Optimum size ؛ Qard contract ؛ QHA ؛ ROSCA

نویسندگان: S. K. Sadr

ناشر: ISRA International Journal of

Purpose – Several indigenous credit and savings schemes have been accredited recently in developing countries for the benefit of households and entrepreneurs alike. Famous among them are the Rotating Savings and credit Associations (ROSCAs) that exist in almost all continents currently. The rapid de... ادامه

سال:2017

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Using Hybrid Wavelet-Support vector Machine and Wavelet-Neural Network Models for Groundwater Level Prediction in Ardabil Plain

کلیدواژه: SVM,Wavelet transfor,SOM,Groundwater,Ardabil plain

نویسندگان: Daneshvar Vousoughi Farnaz, Manafian azar Vahid

ناشر: هیدروژئومورفولوژی - HYDROGEOMORPHOLOGY

Groundwater has played an important role in the urban and rural water supply and agriculture. In order to manage water resources, an accurate and reliable groundwater level forecasting is needed. In this research, 15 piezometers in Ardabil plain were used. SVM was applied for a prediction method in ... ادامه

سال:2019

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Investigation of Dissolved Oxygen Levels in the Karun River Water Using Hybrid Models Based on Support vector Regression

کلیدواژه: Dissolved Oxygen, Support vector regression, Karun, Modeling

نویسندگان: Babaali Hamidreza, Nohani Ebrahim, Dehghani Reza

ناشر: هیدروفیزیک - HYDROPHYSICS

Oxygen plays a vital role in maintaining the balance of life cycles in all ecosystems. Aquatic life is highly sensitive to dissolved oxygen (DO) levels. This necessitates not only continuous monitoring of DO in aquatic environments but also the development of accurate predictive models for future DO... ادامه

سال:2024

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