the current study aims to identify the effective factors and barriers to loyalty in electronic banking services in the private banks customers. for this purpose, a survey was done with a questionnaire sampling from 420 customers of private banks in golestan province, who have used electronic banking services in 2011. the results indicated that seven factors including preference, customer satisf...

background : the prevalence of human immunodeficiency virus (hiv) and hepatitis b infections in drug addicts is one of the most important problems of human societies. this study was conducted in order to determine the serologic prevalence of hepatitis b and hiv infections and its relationship with behavioral risk factors in drug addicts in zamzam health center, southern tehran, iran. methods: t...

due to the increasing importance of internet banking and the critical actions taken by banks in order to offer internet banking services in iran and also according to the increasing number of people using internet banking services, it is essential for bank marketers to understand internet banking customers better. only through this comprehension the marketers are able to develop strategies and ...

This research examines effective social and family factors toward delinquent behavior. It is a survey research and uses structured questionnaire for gathering the data. A representative sample is 350 students. The result shows that there is a reverse and significant relation among religiousness, the level of parents control of children, family engagement, socio-economic status and school engage...

due to the increasing importance of internet banking and the critical actions taken by banks in order to offer internet banking services in iran and also according to the increasing number of customers using internet banking services, it is essential for bank marketers to understand internet banking customers better. only through this comprehension the marketers are able to develop strategies a...

Borrower level data from over 1,000 agricultural lending relationships are used to examine how several factors influence the costs and returns of extending agricultural credit. The characteristics of agricultural borrowers and their demand for various financial products and services are described. The results also provide estimates of the costs and returns of agricultural lending and the extent...

I address the following issue in this paper: how does information sharing among banks about borrowers affect banks’ competition, and ultimately, the interest rate borrowers pay for the loan they take? One would expect that full information sharing among banks reduces lenders’ risk and results in lower lending rates than any other arrangement. This may be the reason why regulators of the banking...

We study banks’ profitability in the US economy by means of dynamic factor models. Our results emphasize importance a few common cyclical market factors that greatly determine banking profitability. conduct exhaustive regressions big data set macroeconomic variables aiming to gain interpretability our statistical factors. This allows us identify three main underlying profitability: financial bu...