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...

it is definitely necessary to understand the concept and behavior of causation of life insurance policies and its determinants for insurance managers, regulators, and customers. for insurance managers, the profitability and liquidity of insurers can be increasingly influenced by the number of causation through costs, adverse selection, and cash surrender values. therefore, causation is a materi...

abstract deviation or in other words committing a crime is literally a social problem. this research that was conducted in 1389 and 1390 has tried to investigate the causes of crimes committed by young male inmates qazvin central prison and effective variables on their tendency to deviation. accordingly after collecting theoretical framework and offering theoretical model including both hirsch...

چکیده هدف اصلی این پژوهش شناسایی الزامات نظام مدیریت کیفیت فراگیر در حوزه پژوهشی دانشگاه اصفهان بود. سوالهای پژوهش با توجه به مولفه های مدیریت کیفیت (تعهد مدیران، بهبود مستمر فرایندها ، مشتری محوری ، منابع انسانی ، مدیریت اطلاعات ، زیرساختهای کیفیت ، استفاده از نتایج ، انعطاف پذیری، مشارکت در فعالیتهای پژوهشی، ایجاد فرهنگ کیفیت و تناسب ساختارهای سازمانی) که بر اساس مطالعه استانداردهای بین المل...

this research study aimed to investigate the relationship between field-dependence/independence cognitive style and vocabulary learning strategies among iranian efl learners. ninety participants majoring in english translation at arak university were chosen. the participants were classified into two groups of field-dependent and independent based on the results of group embedded figure test (ge...

efl/esl textbooks have been regarded as essential language teaching materials with which the learners spend about 70 up to 90 percent of their class time. the important role they play and their vast use make them not only influential in learning the language but also in shaping values and attitudes. put it another way, textbooks socialize learners using their contents (i.e. texts, illustrations...

‏‎the purpose of the present study was to investigate the latent pattern underlying reading ability . some 272 male and female participants. english majors at the ba level , participated in the study. two valid tests were used in this study, the reading test developed exclusively for the purpose of this project and academic reading section of ielts. to investigate the possible latent underlying...

چکیده: پژوهش حاضر به بررسی تطبیقی اعتماد اجتماعی در بین دبیران زن و مرد مقطع راهنمایی شهر ایلام می پردازد. امروزه در جوامع شاهد گسترش ارتباطات هستیم و با توجه به این که دامنه کنش های اجتماعی از حد روابط با آشنایان و دوستان فراتر رفته و به تعامل با کنشگران غربیه و نا آشنا گسترش یافته است، لزوم وجود اعتماد، بیش از پیش احساس می شود. اما با توجه به نقش دبیران در نهادهای آموزشی، در انتقال ارزش ها و...

within the components of communicative competence, a special emphasis is put on the “rules of politeness,” specifically the politeness strategies (brown and levinson, 1978) that speakers deploy when performing the request speech act. this is because the degree of imposition that making a request places upon one’s interlocutor(s) has been seen to be influenced by several factors among which, as ...