the purpose of this study is to assess the transaction cost of borrowing from non-governmental investment development funds which are established in less than a decade. transaction costs are considered as significant and limiting factors for micro-borrowers in using formal loans. the required data are provided by the investment developing support’s parent company using the stratified random sam...

there has been no research so far conducted on the financial participation of the private sector in iran’s industrial development during the last three decades. the present research has been carried out through documentary, survey and field methods. the participants were a sample of 146 private firm owners. previous studies have indicated that during the first decade after the islamic revolutio...

more than a decade ago, personalized medicine was presented in modern medicine. personalized medicine means that the right drug should be prescribed for the right patient based on genetic data. no doubt is developing medical sciences, and its shift into personalized medicine complicates ethical challenges more than before. in this review, we categorized all probable ethical considerations of pe...

the shift in the axis of development in final decade of 20th century changed its centrality from social sphere to the cultural sphere. nowadays, cultural development is a precondition to achieve other components of development and those countries that are able to achieve cultural development will be regarded successful at individual and societal levels. the present paper reviews the situation a...

low temperature (lt) acclimation, phenological development and vernalization requirement are known to influence the expression of frost tolerance (ft) in winter cereals. a phenotypic study was undertaken to determine the interrelationship between developmental stages and ft in hardy winter wheat and rye cultivars acclimated under field condition in the cold and temperate regions of iran. winter...