Banking is a specific industry that deals with capital and risk for making profit. Credit risk as the most important risk, is an active research domain in financial risk management studies. In this paper a hybrid model for credit risk assessment which applies ensemble learning for credit granting decisions is designed. Combining clustering and classification techniques resulted in system improv...

armenias geopolitics and its historical experience have had a determining impact on the character of its foreign policy .present-day armenia is a small, landlocked country with _11,620 square miles area armenias landlocked nature makes it dependent on the benevolence of its neighbors for access to the outside world a fact that gives it a sense of isolation and vulnerability. as it was indic...

abstract because of the many geopolitical, geo economical and geo strategically potentials and communicational capabilities of eco region, members can expand the convergence and the integration in base of this organization that have important impact on members development and expanding peace in international and regional level. based on quality analyzing of library findings and experts interv...

the main purpose of this study was to investigate any relationship between high school efl teachers metaphorical understandings of their role in class and their self-efficacy beliefs. teachers metaphors were elicited through two different prompts: one picturing what they believed a language teacher should be like in class, and the other demonstrating what they are actually like in class; such...

this research is about the political economy of china in central asia. in this research the political & economic interactions affected on chinas political economy in central asia are examined. chinas goal of presence in central asia including political-security, economic and energy goals is described in one part. in another part, the trade relations between china and central asian countries ar...

introduction: diabetes mellitus is an growing national and international public health concern. the number of people affected by diabetes in world by 2030 will be 69% in developing countries. regular physical activity plays a key role in the management of type 2 diabetes melitus, particularly glycemic control. it has been recommended that peoples with type 2 diabetes participate in moderate-int...

while performance-based language assessment has led to an increased authenticity and content validity in the practice of writing assessment, the reliability of ratings has become a major issue. research findings have shown different reactions by native english speaker (nes) and non-native english speaker (nns) teachers to students’ writings. the focus of this study is on investigating whether i...

بررسی تآثیر کورکومین بر بیان آکواپورین5 در سلول های سرطانی روده بزرگ انسان(ht-29) سرطان روده بزرگ جزو بیماری های خطرناک بوده و از نظر شیوع سومین سرطان شایع و دومین علت مرگ ومیر ناشی از سرطان در جهان محسوب می شود. خطرابتلا به این سرطان تحت تاثیر دو عامل محیطی وفاکتورهای ژنتیکی می باشد. آکواپورین ها، پروتئین های کانال آبی بوده که نقش مهمی را در انتقال آب در بافتهای اندوتلیالی و اپی تلیالی بر عهد...