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        1 - تأثیر کیفیت خدمات ارائه شده بر ادراک مشتریان بیمه ایران
        سید مرتضی غیور باغبانی امید بهبودی علی  پورنگ هانیه  مرونه فیض ‏آباد
        رمز موفقیت سازمان‏های برتر ارائه‏کننده خدمات را می‌توان در مشتری‏مداری و توجه به کیفیت خدمات آنان جستجو کرد. کیفیت خدمات نقش مهمی در صنایع خدماتی نظیر خدمات بیمه‏‌ای، بانکی و حمل و نقل و. .. ایفا می‌‌کند. چرا که کیفیت خدمات برای دستیابی به ادراک مشتریان و به دنبال آن، ب چکیده کامل
        رمز موفقیت سازمان‏های برتر ارائه‏کننده خدمات را می‌توان در مشتری‏مداری و توجه به کیفیت خدمات آنان جستجو کرد. کیفیت خدمات نقش مهمی در صنایع خدماتی نظیر خدمات بیمه‏‌ای، بانکی و حمل و نقل و. .. ایفا می‌‌کند. چرا که کیفیت خدمات برای دستیابی به ادراک مشتریان و به دنبال آن، بقا و سودآوری سازمان امری حیاتی به شمار می‌‌رود. هدف این پژوهش بررسی تأثیر کیفیت خدمات ارائه شده بر ادراک مشتریان بیمه ایران درشهرستان نیشابور می‏باشد. جامعه مورد پژوهش حاضر کلیه شعب بیمه ایران در شهرستان نیشابور است. به منظور گردآوری داده‏ها از یک پرسشنامه محقق‏ساخته شامل 27سوال استفاده گردید. روائی پرسشنامه توسط اساتید و خبرگان تأیید و پایایی آن با استفاده از ضریب آلفای کرونباخ 865/0 تعیین گردید. برای تجزیه و تحلیل داده‏ها در این پژوهش از دو روش آمار توصیفی و استنباطی استفاده شده است. در بخش توصیفی تعداد فراوانی و درصد فراوانی و همچنین نمودار فراوانی مربوطه آورده شد. در بخش آمار استنباطی از آزمون کولوموگروف-اسمیرنف برای تعیین نرمال بودن متغیرها بهره گرفته شد. با توجه به آنکه متغیرها دارای توزیع نرمال است، لذا از آزمون رگرسیون برای آزمون فرضیات استفاده شد. نتیجه تحقیق حاکی است که ملموسات، قابلیت اعتبار، پاسخگویی، تعهد و همدلی و شایستگی بر بهبود ادراک ارائه خدمات شرکت‏های بیمه ایران در نیشابور موثر می‏باشد. همچنین نتایج دیگر تحقیق از دیدگاه مشتریان بیمه ایران، بُعد تعهد نسبت به سایر ابعاد کیفیت خدمات از وضعیت مطلوب‏تری برخوردار می‏باشد. در رتبه‏های بعدی نیز به ترتیب، ملموسات، قابلیت اعتبار، همدلی و پاسخگویی قرار دارند. پرونده مقاله
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        2 - شناسایی عوامل موثر بر يكسان سازي نرخ هاي حق بيمه دريافتي در راستای سیاستگذاری مدیریت منابع، مصارف و ذخايرمالي سازمان تأمین اجتماعي(اداره کل شهرستان های استان تهران)
        احمدرضا  محمدلو فرید  عسگری عبداله نظری فرزانه  خلیلی
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mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">هدف تحقیق حاضر شناسایی عوامل موثر بر يكسان&shy;سازي نرخ</span><span style="font-size: 12.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'B Nazanin'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">&shy;</span><span dir="RTL" lang="FA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">هاي حق بيمه دريافتي در راستای سياستگذاری مدیریت منابع، مصارف و ذخايرمالي سازمان تأمین اجتماعي است.</span><span dir="RTL" lang="FA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-fareast-font-family: 'Times New Roman'; mso-hansi-font-family: Calibri; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;"> روش تحقیق آمیخته کیفی-کمی بود. </span><span dir="RTL" lang="FA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">جامعه آماری خبرگان مسلط به موضوع هستند و با روش گلوله برفی 20 نفر به عنوان حجم نمونه تعیین شد. روش گرداوری داده&shy;ها در بخش کیفی کتابخانه &shy;ای و میدانی است و روش گردآوری داده &shy;ها در بخش کمی میدانی با استفاده از پرسشنامه می&shy;باشد. روایی پرسشنامه از طریق نظرات خبرگان و<span style="mso-spacerun: yes;">&nbsp; </span></span><span dir="RTL" lang="AR-SA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;">جهت بررسی پایایی از روش آلفای کرونباخ استفاده شد </span><span dir="RTL" lang="FA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">جهت تجزیه و تحلیل داده &shy;ها در بخش کیفی از روش گرندد تئوری و در بخش کمی از روش دلفی و نرم&shy; افزار </span><span style="font-size: 12.0pt; line-height: 107%; font-family: 'Times New Roman',serif; mso-ascii-theme-font: major-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">SPSS5</span><span dir="RTL" lang="FA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;"> استفاده شد. یافته</span><span style="font-size: 12.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'B Nazanin'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">&shy;</span><span dir="RTL" lang="FA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">ها نشان داد برای مدل 37 زیر مولفه شناسایی شد که7 عامل علًی شامل نحوۀ پرداخت حق بیمه،<span style="mso-spacerun: yes;">&nbsp; </span>رشد حق بیمه،<span style="mso-spacerun: yes;">&nbsp; </span>نرخ وصول حق بیمه و ...، 8 عامل زمینه &shy;ای شامل مدت&zwnj;زمان تعلق&zwnj;گرفتن مزایای بیمه، تعداد جمعیت مستمری بگیر، متناسب &shy;سازی با میزان سنوات و ... 7 عامل مداخله گر شامل نرخ تورم،<span style="mso-spacerun: yes;">&nbsp; </span>نرخ بیکاری، ارزش و قدرت خرید پول ملی و ... ، 11 راهبرد شامل نظام چند لایه تامین اجتماعی، توسعة ظرفیت سازمانی و بهبود مدیریت، اعمال سیاست&zwnj;هایی در جهت توسعة مدیریت ذخایر صندوق&zwnj;ها و ... 4 پیامد شامل استقلال مالی و اداری، حفظ منابع مالی برای پرداخت تعهدات آتی و ... که نتایج دلفی مدل حاکی از مناسب بودن عوامل شناسایی شده بود</span></p> پرونده مقاله
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        پگاه  مداح رودسری داود كيا كجوري مهران مختاري بايع كلايي
        <p><!-- [if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:RelyOnVML/> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--><!-- [if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackForm چکیده کامل
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می&shy; سازد. سرمایه&shy; های ساختاری، انسانی و رابطه &shy;ای</span><span lang="FA" style="font-size: 12.0pt; font-family: 'B Nazanin'; font-weight: normal;"> از اجزای تشکیل دهنده سرمایه فکری هستند که </span><span lang="AR-SA" style="font-size: 12.0pt; font-family: 'B Nazanin'; mso-bidi-language: AR-SA; font-weight: normal;">ترکیبی از دارایی&shy; های نامشهود، دارایی انسانی و زیرساخت&shy; هایی می &shy;باشند که سازمان را در انجام وظایفش توانمند می&shy; سازد. بر همین اساس </span><span lang="FA" style="font-size: 12.0pt; font-family: 'B Nazanin'; font-weight: normal;">هدف اصلی تحقیق حاضر </span><span lang="AR-SA" style="font-size: 12.0pt; font-family: 'B Nazanin'; mso-bidi-language: AR-SA; font-weight: normal;">طراحی روابط درونی بین سرمایه &shy;های ساختاری، انسانی و رابطه &shy;ای در صنعت بیمه </span><span lang="FA" style="font-size: 12.0pt; font-family: 'B Nazanin'; font-weight: normal;">با استفاده از مدل سازی ساختاری تفسیری (</span><span dir="LTR" style="font-size: 11.0pt; font-family: 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به عنوان نمونه آماری تحقیق انتخاب شدند که با روش مدل سازی ساختاری تفسیری (</span><span dir="LTR" style="font-size: 11.0pt; mso-bidi-font-family: 'B Nazanin'; font-weight: normal;">ISM</span><span lang="FA" style="font-size: 12.0pt; font-family: 'B Nazanin'; font-weight: normal;">) </span><span lang="AR-SA" style="font-size: 12.0pt; font-family: 'B Nazanin'; mso-bidi-language: AR-SA; font-weight: normal;">روابط درونی بین</span><span lang="FA" style="font-size: 12.0pt; font-family: 'B Nazanin'; font-weight: normal;"> مولفه&shy; های تحقیق شناسایی شدند.</span></p> <p class="11" dir="RTL" style="text-align: justify;"><!-- [if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:RelyOnVML/> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--><!-- [if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> 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mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:8.0pt; mso-para-margin-left:0in; line-height:107%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri",sans-serif; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Arial; mso-bidi-theme-font:minor-bidi;} </style> <![endif]--><span dir="RTL" lang="FA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">یافته &shy;های تحقیق نشان داد بُعد سرمایه انسانی (شامل مهارت&shy; های ارتباطی، تجربه کاری و دانش ضمنی افراد) به عنوان مبنای مدل بر کلیه ابعاد دیگر اثر می&shy; گذارد و در سطح زیرین قرار دارد که به عنوان پایه سرمایه فکری و عنصر اساسی در اجرای وظایف آن محسوب می&shy; شود. در سطح میانی بُعد سرمایه رابطه &shy;ای (شامل اعتماد و صداقت، مشاركت غيررسمي، مشاركت سياسي، مشارکت اجتماعی، مشاركت اقتصادي) قرار دارد و در سطح آخر نیز سرمایه ساختاری (شامل</span> <span dir="RTL" lang="FA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">ارتباطات و پيوندهاي شبكه و سرمايه هاي شبكه) قرار دارد که دو بُعد دیگر بر آن اثر گذار هستند. در نتیجه </span><span dir="RTL" lang="AR-SA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;">سرمایه &shy;های ساختاری، انسانی و رابطه &shy;ای مجموعه &shy;اي از دانش، اطلاعات، دارايي&shy; هاي فكري، تجربه، رقابت و يادگيري سازماني هستند که </span><span dir="RTL" lang="FA" style="font-size: 12.0pt; line-height: 107%; font-family: 'B Nazanin'; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA;">مدیران با توجه نمودن به این عامل می&shy; توانند بستر مناسبی برای ارتقای سرمایه &shy;های فکری در سازمان فراهم نمایند.</span></p> <p>&nbsp;</p> پرونده مقاله