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Today, productivity for all developing and developed countries is a national priority and it is gradually appearing as a managerial strategy in our country. Economic growth and improving the standard of living could be possible only by using effective management of scarce resources to obtain the maximum value added. Economics is the knowledge of scarce resources, and management is the knowledge of decision making for utilizing these resources. Scarce resource creates value added in an organization. Hence the management of these resources is of prime importance. In this paper, after explaining the concepts of productivity and the consumer - based marketing, we describe conceptual models of ranking banks customer, customer pyramid model and modified model of Boston Consulting Group for Customer (BCGC) productivity. We then propose a framework to rank bank customers by using MADM Models to offer better services.

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Development banks, which play a vital role in the economic development of countries, are the transmission agents of the government's economic policy to their sectors and distribute financial sources to economics sectors with efficient planning, whereas they can outmaneuver the success of other banks. This article wants to identify and explain the factors (criteria, sub-criteria) affecting the success of development banks in Iran and then ranking them. Furthermore, it addresses to some challenges which development banks facing with them. This ranking is done with Analytical Hierarchy Process (AHP) that is included in multi-criteria decision-making. First by using the studies and the library resources the primarily model is designed, and then the ultimate model is extracted from interviews with university professors and experts in banking. In the study, criteria, and sub-criteria that affect the success of development banks were identified and then these criteria are ranked in order of their importance. The most important challenges facing development banks also have been introduced.

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msadati@um.ac.ir
Unemployment Protection Policies is considered as one of the important policies of the labor market and social security system, and this is also noted in the fundamental laws in Iran. Nevertheless, the implementation of these policies has been limited. Since these policies are multi-dimensional, the policy implementation needs to use the experts’ wisdom. But these experts have different interpretations for the policies, their impacts and their priority for execution. In this paper, the Delphi method is used for group decision making for analyzing the Unemployment Protection policies and the fuzzy theory notions are applied for modeling verbal variables in the experts’ ideas. Accordingly, the most important challenges and approaches in dealing with the Unemployment protection policies are extracted by running three steps of the Fuzzy Delphi method and are ranked by Fuzzy AHP. According to experts opinion, the most important prioritized policies for supporting the unemployed people are conditioning the benefit unemployment payment to the unemployed people go to employment and training centers, revision of the unemployment insurance law, Establishing an electronic and non-electronic mechanism for monitoring the unemployment issues and detecting the violations of the law, Employment Programming for newcomers to the job market, defining employment rights, and reforming the dichotomy between the two executive organizations. The experts believe that determining the amount of unemployment insurance benefit should be subject to reductions based on the rejection of proposed jobs, based on theories related to search for a job, the independence of the wage, and the number of collateral dependents. Reducing the period of benefit unemployment, reducing or eliminating the periods that the unemployment benefits are paid based on the insurances records, the implementation of Article 10 of the unemployment insurance law, and the production of a job identification card to determine the type of skill are the recommended policies that help to determine the period of unemployment benefits. According to the experts opinions, the optimal allocation of resources and costs for unemployment insurance can be available by implementing some policies such as modifying the financing of the unemployment insurance fund, "comprehensive coverage" of the unemployment insurance, financing from the public tax, designing of a comprehensive information system for the labor market, annual budget planning with regarding to  training skills according to the day needs, systemic supervision on financial activities of the unemployment insurance fund.

 

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Optimum financing of economic enterprises is a necessary action that can improve the quality and quantity of domestic industries in the prevailing competitive environment and ultimately lead to the economic growth and prosperity of the country. Investigations show that some of the production plans in the country, such as steel projects, are defined with liquidity problems in order to achieve production capacity, therefore, considering the importance of steel projects in the country's economy, so far the issue of choosing the optimal method of financing the relevant industry as a No special attention is needed. Therefore, in the current research, we are seeking to discover the most optimal financing model for Iran's steel industry based on a series of specific criteria. In this study, through the statistical technique of multi-criteria decision-making and the design and distribution of a questionnaire to experts in order to prioritize the financing methods of the steel industry, which were extracted through a semi-structured interview, and the analysis and final ranking of the obtained information Using the TOPSIS method, the factors and financing methods of the steel industry were evaluated, and in this regard, pairwise comparisons were used to rank the factors and weights. The results of this study indicate that the project fund option compared to other options, including: construction, exploitation and ownership, parallel istisna, bonds convertible into shares, partnership bonds and lease bonds are of the highest priority according to It has components and criteria such as reasonable cost, etc. compared to other financing options, so it is suggested that companies active in the steel industry in the country prioritize financing in this way.