---

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.

---

This research has characterized to analyze private banking situation. New phenomenon in our country's banking economy has been studied with pathological approach, after reviewing literature and theoretical background. This paper is applicable from the aspect of purpose and is descriptive-survey from the aspect of identity. In order to collect required data, interview and open questionnaire methods have been applied. Statistical population includes banking managers and active experts in this scope. In order to analyze data, qualitative methodology and Delphi technique have been used. In this process, Affinity Diagram approach is also utilized. Regarding the results, 27 cases of barriers of private banking development identified and classified into 3 classes named executive-structured, perceptual-cognitive and unwillingness barriers. It is necessary to mention that five factors including governmental banking, shortage of facilities, financial resource shortages, human resource shortages, lack of comprehensive talent identification system and economic instability are identified as the main barriers.

---

Some of Special Economic Zones (SEZ) are the main locations for world trades. Shanghai (China) and Jebel Ali (Dubai) are two of most successful ones.  Even though Iran has established more than 15 SEZs since the 90s and even more are on the way, their performance is highly doubted.  The SEZ’s performance could be either due to their design, or, due to macro structure of the economy. Using a Difference in Difference (DiD) framework, we control for the overall performance of the economy and address the effect of SEZ establishment on Shahid Rajaee custom trade performance.  Among about 20 SEZs, Shahid Rajaee is chosen because of its large trade volume, all-purpose targeting, and available data prior to being treated.  Our data is disaggregated into 6digits of HS tariff codes, provided by Iran’s Custom. Our findings show that overall impact is significantly positive both on exports and imports; however, the impact on imports is about six-fold larger. A stronger pattern exists in some sections; i.e. plastic, chemicals, electrical machinery (including homeware) and transportation (including vehicles).  The results are robust to many robustness tests.