This research is motivated by Credit Risk and Profitability that occurs in National Banks, namely Bank BRI, Mandiri, BNI 2012 - 2021. study analyzes the effect of credit risk using Non Performing Loans (NPL) while profitability uses Return On Assets (ROA). ). The method descriptive quantitative with observations analytical techniques used are classical assumption test simple linear regression t...

the aim of this research is to classification of soil seed bank in populus caspica protected area. the study of above ground vegetation and soil seed bank were carried out with braun-blanquet and seedling emergence method respectively. results showed that size of soil seed bank in upper layer (713 seeds per m2) were significantly lower than depth layer (1163 per m2) but species richness from 42...

river banks are exposed to bank erosion and destruction. one of the river engineering goals is to provide human life requirements and reduce river danger. so spreading extent of this phenomenon, whose risk and other important factors must be recognized. using groins is one of the control ways that by accurate design and accurate performance, bank erosion control and field reclamation would be p...

We model two dimensions of bank globalization – bank nationality (a bank from the firm’s host nation, its home nation, or a third nation) and bank reach (a global, regional, or local bank) using a two-stage nested multinomial logit model. Our data set includes over 2,000 foreign affiliates of multinational corporations operating in 20 European nations. We find that these firms frequently use ho...

In this paper, we examined an effective business model for the ecosystem of Islamic FinTech for Resalat Islamic Bank. The article discussed three phases of Resalat Bank development as a Platform in formulating social business models that require new value propositions, value constellations, and profit equations, and as such, resembles business model innovation. The result of the qualitative met...

this study aimed to investigate the effect of animal grazing on soil seed bank characteristics in the northern slopes of alborz. for this purpose, soil seed bank characteristics were compared between grazed and ungrazed areas. therefore, four transects perpendicular to the sides of exclosure inside and outside of it were established. then soil samples were collected within 28 plots inside and 2...

in the information and communication era, management information systems play an undeniable role in organizations.  bank parsian is a iranian banking and financial services company, which has a network of 273 banking branch, known as the largest iranian private bank. this research examines the gaps in customer relationships systems in bank parsian based on characteristics of management informat...

river bank erosion can result in considerable riparian land loss and the delivery of large volumes of sediment to reaches downstream. consequently, the ability to predict the stability and failure geometry of eroding river banks is an important prerequisite for es-timating the rate of bank erosion and sediment yield associated with bank erosion. in this paper a new model capable of analyzing th...