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 construct of self-efficacy has received increasing attention in research over the past two decades. many studies have been carried out 1.3 significance of the study this study has pedagogical implications since improving students’ self- efficacy and autonomy is important for promoting actual performance on classroom academic tasks. in academic settings, it has been shown that self-effi...

abstract over the past two decades, applied linguists and language teachers have shown a great deal of interest in genre-centered approaches , mainly because of pedagogic concerns . this has been due to the need to help non-native readers enhance their ability to understand academic and scientific texts. following swales’ (1981) works on genre analysis, studies of different sections of resear...

چکیده هدف اصلی این پژوهش بررسی رابطه بین شایسته سالاری و عدالت سازمانی مدیران دانشگاه اصفهان و علوم پزشکی اصفهان بود که در قالب 5 فرضیه با در نظر گرفتن ابعاد شایسته سالاری و عدالت سازمانی مدیران دانشگاه اصفهان و علوم پزشکی انجام شد. روش پژوهش توصیفی از نوع همبستگی می باشد. جامعه آماری کلیه اعضای هیأت علمی و مدیران گروه در دانشگاه اصفهان و علوم پزشکی اصفهان به ترتیب 104- 645 – 33- 468 نفر در س...

چکیده «محکم و متشابه»، «نسخ» و «قرائات» از موضوعات مهم علوم قرآنی است. آیت الله معرفت در هر سه موضوع ضمن نقد دیدگاههای گذشته و رایج، به ارائه نظریاتی بدیع پرداخته اند. تعریف روشن از محکم و متشابه، تفاوت بین متشابه و مبهم، طبقه بندی تشابه به ذاتی و عرضی و ضابطه مند ساختن معانی تأویلی و باطنی، از جمله نوآوری های آیت الله معرفت در حوزه محکم و متشابه به شمار می رود. در موضوع نسخ، شاهد دو قرائت...

nanotechnology is a general term which is related with field of all advanced science term that generally predicates with all modern technologies which consider nanoscales. improvement in the quality of products by adding some nanoparticles and study of their behavior in the presence of these nanoparticles have been obtained in many researches. on the other hand numerous demands for sowing ...

the quest for power has formed much of the world history especially in 20th and 21st centuries. oil (energy) particularly after industrial revolution has been a tool for conquest and power and has been transformed to a geopolitical issue. from a geopolitical point of view this has been the case for the last two centuries in central asia and caucasus. central asia and caucasus has always been...

this study is an outlook of iranians religious practices and customs in eras such as nasser one. it attempts to answer the main question, "religious practices and ceremonies in the society during naseri ruling" and other subsidiary questions with scientific and historical theories. iran was a traditional and religious community . people abided by their religious practices and duties within reli...

phatic communion is a cultural concept which differs across cultures. according to hofstede (2001), the u.s. tends to have individualistic culture; however, asian countries tend to have collectivistic cultures. these cultures view phatic communion differently. in individualistic cultures like u.s., phatic communion reflects speakers’ socio-cultural relationships in conversations. to see whether...

this study sought to examine the effect of cooperative game on iranian students achievements in english alphabet learning. cooperative games are games, in which players or teams work together towards a common goal without defeating someone. the methodology used in this study was experimental. the population of the study was 60 female students from the grade one in secondary school in tabriz, ir...