abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...

the major purpose of this study was to develop the translation teacher competency test (ttct) and examine its construct and predictive validity. the present study was conducted in two phases: a qualitative phase as well as a quantitative phase. in the first phase of the study, the author attempted to find out the major areas of competency required for an academic translation teacher. the second...

among the low–dimensional allotropes of carbon, nanotubes and graphene have attracted very much attention from nano–science and nanotechnology specialists. they have been proposed as building blocks in nanometer device engineering. however, these structures are not defect–free. in this thesis, we focused on defective carbon nanotubes and graphene, and studied the effect of couple of very common...

today, the route for economic development in most countries is the same as international open competitive economy. economic institutes well known that supportive public economy belonged on the past and they may compete in the global economy. it is obvious that if they have no competitive potency or not familiar with competition technique, they may be devastated. banking system aims to collect t...

this study attempts to investigate the effect of peers’ revision in comparison to that of the teacher, and whether peers’ comments and teachers’ comments facilitate students’ revision? if yes, which one is more effective? also attempts have been made to see which aspects of language are more highlighted by peers versus teachers when commenting. besides, it is investigating the student’s attitud...

the purpose of the present study was to investigate the effect of instruction through debate on male and female efl learners’ reading comprehension, to examine the differences between the performance of male and female participants on the five dimensions of cctst including analysis, evaluation, inference, deductive reasoning, and inductive reasoning, and to examine the differences between male ...

abstract the present study was conducted to investigate the effect of using model essays on the development of writing proficiency of iranian pre-intermediate efl learners. to fulfill the purpose of the study, 55 pre- intermediate learners of parsa language institute were chosen by means of administering proficiency test. based on the results of the pretest, two matched groups, one as the expe...

this study was carried out to investigate the effects of integrative vs. instrumental motivation, learning strategy use and gender on iranian efl learners. to this end, 120 efl learners both male and female majoring in english language and literature at shiraz university participated in the study. in order to conduct this study three instruments were used: oxford quick placement test, motivatio...

this study aimed to investigate the effects of listening strategy training on iranian efl learners listening comprehension and use of such strategies. this work, employing an experimental methodology, was conducted among 60 adult efl learners from a language institute in isfahan, iran, as participants. the participants, who were selected based on the results of a placement test, were assigned t...

vocabulary as a major component of language learning has been the object of numerous studies each of which has its own contribution to the field. finding the best way of learning the words deeply and extensively is the common objective of most of those studies. however, one effective way for achieving this goal is somehow neglected in the field. using a variety of activities such as games can r...