MondaysGMAT-GRE-TOEFL-IELTS-آموزشگاه زبان صبای سحر-چمران جنوب، بلوار جلال آل احمد، جنب داروخانه شبانه روزی جلال آل احمد، پلاک 87، طبقه سوم
تلفن: 42-88679341https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-232024-05-05T19:38:01+00:00IELTSTOEFLCENTERinfo@ieltstoeflcenter.comJoomla! - Open Source Content ManagementAmirshahin Shahinnejad, Modern Technology has Made it Easier2020-07-14T16:09:39+00:002020-07-14T16:09:39+00:00https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3643-amirshahin-shahinnejad-modern-technology-has-made-it-easierHamed hamedjafari1374@gmail.com<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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Modern technology has made it easier for individuals to download copyrighted music and
books from the Internet for no charge.
To what extent is this a positive or negative development?
With the advent of novel technologies like the internet, access to the information all
around the world has become much easier and more convenient. It is made possible to have
access to the Internet at every corner of the globe by just having a single cell phone.
Although the availability of the data is a positive development, there are some negative
effects imposed on the media industry by those who are advocates of free access to all the
media on the web. These individuals are sometimes referred to as pirates and the act is
known as piracy in the Internet literature.
Having free access to information such as books and articles seems to be most
favorable to both amateur readers and some research scientists looking for novel
discoveries in their area of interest. However, there are certain laws, developed throughout
many trials and errors, to protect the abstract achievements of the owner of these
publications. The most obvious reason is to provide publishers with the peace ease of mind
and assure them that the result of their, sometimes, lifetime endeavor is well protected.
One example of such acts against piracy is the case against the website called
"Gigapedia.com" which had been publishing the latest publications of some mogul
publishers, for instance McGraw Hill and Elsevier, without legal consent. Eventually the site
owners were sued and forced to payby paying four million pounds and the site permanently
shut down.
Moreover, such piracy is widely seen in the music industry wherein lots of
aficionados wish to have instant access to the hit song or the new album of their favourite
artist at no charge. Undoubtedly, this is the incontestable right of the musicians to publish
their records at a certain price and the copyright law is there to protect their ownership.
These acts will both benefit the artists and their fans, by motivating the former to
contribute more and providing the latter with continuously produced material. Thus, it is
obvious that piracy destroys this circle and many musicians, as well as their fans, will suffer
from the consequences.
To summarize, despite the fact that free access to media is favourable to many
users, the negative impacts of piracy on the industry cannot be neglected. As a result, laws
like copyright are essential to protect the original productions and safeguard the
achievements, or so called properties, of their publishers and owners.
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<p align="left" dir="ltr">
Modern technology has made it easier for individuals to download copyrighted music and
books from the Internet for no charge.
To what extent is this a positive or negative development?
With the advent of novel technologies like the internet, access to the information all
around the world has become much easier and more convenient. It is made possible to have
access to the Internet at every corner of the globe by just having a single cell phone.
Although the availability of the data is a positive development, there are some negative
effects imposed on the media industry by those who are advocates of free access to all the
media on the web. These individuals are sometimes referred to as pirates and the act is
known as piracy in the Internet literature.
Having free access to information such as books and articles seems to be most
favorable to both amateur readers and some research scientists looking for novel
discoveries in their area of interest. However, there are certain laws, developed throughout
many trials and errors, to protect the abstract achievements of the owner of these
publications. The most obvious reason is to provide publishers with the peace ease of mind
and assure them that the result of their, sometimes, lifetime endeavor is well protected.
One example of such acts against piracy is the case against the website called
"Gigapedia.com" which had been publishing the latest publications of some mogul
publishers, for instance McGraw Hill and Elsevier, without legal consent. Eventually the site
owners were sued and forced to payby paying four million pounds and the site permanently
shut down.
Moreover, such piracy is widely seen in the music industry wherein lots of
aficionados wish to have instant access to the hit song or the new album of their favourite
artist at no charge. Undoubtedly, this is the incontestable right of the musicians to publish
their records at a certain price and the copyright law is there to protect their ownership.
These acts will both benefit the artists and their fans, by motivating the former to
contribute more and providing the latter with continuously produced material. Thus, it is
obvious that piracy destroys this circle and many musicians, as well as their fans, will suffer
from the consequences.
To summarize, despite the fact that free access to media is favourable to many
users, the negative impacts of piracy on the industry cannot be neglected. As a result, laws
like copyright are essential to protect the original productions and safeguard the
achievements, or so called properties, of their publishers and owners.
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</table>
</body>
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Children and Paid Works2020-07-14T16:09:29+00:002020-07-14T16:09:29+00:00https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3642-children-and-paid-worksHamed hamedjafari1374@gmail.com<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Children and Paid Works.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
In Many countries children are engaged in some kind of paid work. Some people
regard this as completely wrong, while others consider it as valuable work
experience, important for learning and taking responsibility.
What are your opinions on this?
Nowadays child labour can be clearly seen in many places around the world.
Some believe this trend is not right, whereas others claim work helps them to be
independent and responsible.
Firstly, there is no doubt that education is the most reliable way to gain success
for children. Moreover, Children learn better when they interact with their peers
and education provides them with the best access to the primary sources in
different fields of science as well as the enabling environment for conversation
whereby they express their own ideas.
Another important factor is the role that education plays in child development.
Nowadays it is clear that childhood development is the foundation for an
individual’s future overall health and happiness, howeveralthough, a good
education usually needs financial support which is not affordable for all families.
On the other hand, there are many examples of successful individuals who start
working at an early age. Given that, we cannot deny the fact that there are some
pros for children who start working at early ages. For instance, working can help
minors to learn soft skills very soon and to be responsible. Although they can
barely earn a meagre income, for jobs which usually does do not suit adults, that
which helps them to learn how to follow the instructions and make progress in
the long run.
To sum up, unfortunately even though education is beneficial in many ways for
children it is not an option for all children. However, there are other ways to
provide minors with useful instructions to make progress such as working at early
ages.
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<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Children and Paid Works.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
In Many countries children are engaged in some kind of paid work. Some people
regard this as completely wrong, while others consider it as valuable work
experience, important for learning and taking responsibility.
What are your opinions on this?
Nowadays child labour can be clearly seen in many places around the world.
Some believe this trend is not right, whereas others claim work helps them to be
independent and responsible.
Firstly, there is no doubt that education is the most reliable way to gain success
for children. Moreover, Children learn better when they interact with their peers
and education provides them with the best access to the primary sources in
different fields of science as well as the enabling environment for conversation
whereby they express their own ideas.
Another important factor is the role that education plays in child development.
Nowadays it is clear that childhood development is the foundation for an
individual’s future overall health and happiness, howeveralthough, a good
education usually needs financial support which is not affordable for all families.
On the other hand, there are many examples of successful individuals who start
working at an early age. Given that, we cannot deny the fact that there are some
pros for children who start working at early ages. For instance, working can help
minors to learn soft skills very soon and to be responsible. Although they can
barely earn a meagre income, for jobs which usually does do not suit adults, that
which helps them to learn how to follow the instructions and make progress in
the long run.
To sum up, unfortunately even though education is beneficial in many ways for
children it is not an option for all children. However, there are other ways to
provide minors with useful instructions to make progress such as working at early
ages.
</tr>
</table>
</body>
</html>
Data Envelopment Analysis2020-07-14T16:09:14+00:002020-07-14T16:09:14+00:00https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3641-data-envelopment-analysisHamed hamedjafari1374@gmail.com<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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An integrated data envelopment analysis-artificial neural network approach
for benchmarking of bank branches
Abstract
Efficiency and quality of services in banking industry is crucial in today’s economy
and society. The competition in this section has become increasingly intense, with
the improvement in technology. Therefore, performance analyses in the banking
sector attract more attention. Data envelopment analysis (DEA) is a pioneer
approach in literature for efficiency measurement and benchmarks.
DEA uses past data for calculating benchmarks, hence forecasting the benchmarks
for future is the main weakness of DEA method.
This paper integrates DEA and artificial neural networks to calculate the relative
efficiency and benchmarks of one of Iranian commercial bank branches.
Therefore, each branch could have strategy to improve the efficiency and eliminate
the cause of inefficiencies due to, the five years forecast.
Keywords: Data envelopment analysis; Artificial neural network; Benchmarking
1. Introduction
Since banking industry is highly competitive, the performance assessment has
received more attention recently. The banking sector is in a race to see who can
offer the best services. These include intensified competition in the market place.
Therefore, bank management wants to identify and eliminate the underlying causes
of inefficiencies to help the firms improving efficiency. In literature data
envelopment analysis (DEA) is a leading approach for the performance analysis
and finding benchmarks. Various models of DEA are widely used for evaluating
bank efficiency such as, Sherman and Gold (1985), Soteriou and Zenios (1999),
Golany and Storbeck (1999), Athanassopoulos and Giokas (2000), and, etc. thick
frontier approach (TFA) as in Berger and Humphrey (1991), Clark (1996) and
Deyoung (1998), free disposal hull (FDH) as in Tulkens (1993) and Chang
(1999),stochastic frontier approach (SFA), also called econometric frontier
approach (EFA) as in Kaparakis, et al. (1994), Berger and Humphrey (1997), Hao,
et al.(2001), and distribution free approach (DFA) as in Berger, et al. (1993),
Akhavein, et al. (1997) and Deyoung (1997).
As DEA can hardly predict the performance of other decision-making units, Wang
(2003) used artificial neural network (ANN) to assist in estimating efficiency.Athnassopoulos and Curram (1996) firstly introduced the combination of neural
networks and DEA for classification and/or prediction. They used DEA in bank
with multi-output: 4 inputs, 3 outputs to monitor training cases in a study. The
comparison between DEA and ANN demonstrates that DEA is superior to ANN
for measurement purpose. Azadeh, et al. (2006), Azadeh, et al. (2007) and Azadeh,
et al. (2007) utilized a highly flexible ANN algorithm to measure and rank the
performance of decision-making units (DMUs). They defined an application of
algorithm in efficiency calculation of Iran steam power plants in 2004. Results
demonstrate that the proposed algorithm estimates the values of efficiency closer
to the ideal efficiency. Finally, they displayed that the result of proposed algorithm
is more robust than the conventional approach because better performance
patterns are explored. Furthermore, they proposed a method to integrate their
pervious algorithm (Azadeh, et al. 2007, 2008).
Wu, et al. (2006) combined DEA and ANN for measuring performance of a large
Canadian bank. They displayed that the DEA-ANN method produces a more
robust frontier and helps to identify more efficient units. Furthermore, for
inefficient units, it provides the guidance on how to improve their performance to
different efficiency ratings. Finally, they concluded there is no need for
assumptions about the production function in ANN approach (the major
drawback of the parametric approach) and it is highly flexible. Weakness of DEA
in forecasting is the reason to use ANN (Wu, et al. 2006). The classic DEA
methods did not have ability to demonstrate benchmarks for future. ANN has
been viewed as a useful tool for managers in predicting system. There are few
researches address the combination of DEA and ANN, Bose and Patel. 2015
overcame the regression model shortcoming of a single dependent variable
by using neural network, they described a combinatorial method for a data
generation procedure and training and prediction to overcome this databased shortcoming
we describe a procedure that uses two-stage DEA, a data generation
procedure (DGP) and ANN training and prediction to overcome this databased shortcoming
such as He-BoongKwon, 2016 who used, CCR model and ANN for measuring
performance and predicting model of Class I railroads in the United States. In
another work, Doaei, et al. 2017 predicted Malaysian manufacturing firm’s
efficiency by applying a combined method of Data Envelopment Analysis (DEA)
and ANN.
This paper integrates DEA and neural networks to forecast inputs and outputs for
examining efficiency. Therefore, benchmarks are based on the future data and
inefficient MDUs have better performance patterns to improve their efficiencies.The paper is organized as follows. Section 2 briefly reviews neural network and
DEA. Section 3 demonstrates the models and methodology utilized in this paper.
The DEA results and further discussion is given in Section 4. Finally, our
conclusions and future work are offered in Section 5.
2. Problem definition
2.1. Data envelopment analysis
DEA is a non-parametric method, which uses linear programming to calculate the
efficiency in a given set of decision-making units (DMUs).
The DMUs that make up a frontier envelope scored 1. The less efficient firms and
the relative efficiency of the firms are calculated in terms of scores on a scale of 0
to 1.
Envelopment surface that represents best practice, can give an indication of how
inefficient DMU can improve to be efficient. DEA provides a comprehensive
analysis of relative efficiencies for multiple input-multiple output situations by
evaluating each DMU's performance relative to an envelopment surface composed
of efficient DMUs. Units that lie on the surface are known efficient in DEA while
those units that do not, are named inefficient. The efficient reference set is
included DMUs which are the peer group for the inefficient units.
The projection of inefficient units on envelopment surface is called benchmark.
Benchmarks are the indication of how the inefficient DMU can improve to be
efficient. Benchmark means if the evaluated DMU had this inputs and outputs
could have been efficient.
Assume input and outputs for j 1,...,n DMUs (X j ,Yj )where,
X j (x1 j ,..., xij ,..., xmj ) is a vector of observed inputs and Yj (y1 j ,..., yrj ,..., ysj )is a
vector of observed outputs for DMU j .
The production possibility set is as bellow:
T {(X,Y) |Y 0 can be produced fromX 0}
The input possibility L(Y), for eachY , and the output possibility P(X ) , for each X ,
are defined as below:
L(Y) {X |(X,Y)T}
P(X ) {X |(X,Y)T}
For achieving production possibility set, T the following proprieties were
postulated:1. Convexity:
X Y T
If X Y T j n and arenonnegativescalars suchthat then
n
j
j j
n
j
j j
n
j
j j j j
1 1
1
,
( , ) , 1,..., , 0 1,
2. Inefficiency postulate:
b If X Y T and Y Y then X Y T
a If X Y T and X X then X Y T
( ) ( , ) , ( , )
( ) ( , ) , ( , )
3. Ray unboundedness:
If (X ,Y)T then(KX ,KY)T for any k 0
4. Minimum extrapolation: T is the intersection set ofT satisfying postulate 1,2, and 3
and subject to condition that each of observed vectors (X j ,Yj )T, j 1,...,n.
With mentioned assumptionsTv is as bellow:
{ | X X & & & 0}
1 1 1
ij
Tv YX jn j Y jn Yijj jn j
Different models for calculating efficiency were introduced, the oldest model is
BCC (Banker- Charnes and Cooper (1984)) model:
Input oriented BCC Model:
,
(1 1 )
Subject to
Minimze s s
x s x i m
n
j
ij j i iq 1,2,...,
1
y s y r s
n
j
ij j r rq 1,2,...,
1
j n
n
j
j 1 1,...,
1
j ,si ,sr 0 i 1,2,...,m r 1,2,...,s j 1,...,nA DMU is called efficient, if it has * 1,si* 0,sr* 0. Otherwise, it is called
inefficient.
For inefficient DMU's (ex. DMUq ), the DEA model calculates the benchmark. The
benchmark is as follow:
n
j
j j
n
j
j j
q
q
X Y
Y s
X s
1
*
1
*
*
* *
.
Benchmarks are like alerts for designing new strategies or changing old strategies.
For each DMU two parts should be taken to account:
1. Eliminate the distance between each DMU and peer group
2. Display the frontier in specific time horizon
As the benchmarks are based on the past data, they couldn’t help to show the
frontier in specific time horizon. Therefore, ANN is used to indicate the envelope
surface.
2.2. Artificial neural networks
The original inspiration for the structure of the neural networks comes from the
workings of the brain. The key factor of this paradigm is the novel structure of the
information-processing system. The system consists of large number of highly
interconnected processing neurons working together to solve specific problems. In
similar with people, ANNs learn by example. Neural network is training by
adjusting the weights between neurons so that an input leads to a target output.
The fast growth of ANN over the last decade, has introduced a new dimension
into the field of performance measurement especially in business application. One
of the major application areas of ANNs is forecasting (Sharda, 1994). Many
different ANN models have been proposed since 1980s. Multi-layer perceptron
(MLP), Hopfield networks, and Kohonen’s self-organizing networks are the most
influential models.
The MLP networks are used in several problems especially in forecasting because
of their inherent capability of arbitrary input – output mapping. Several layers of
nodes are included in MLP. The information receiver layer is an input layer, which
is the lowest layer. The last or the highest layer is an output layer in which the
problem solution is obtained. The hidden layers are the intermediate layers where
the input and output layers separated. Acyclic arcs from a lower layer to a higher
layer connected the nodes in adjacent layers. Fig. 1. shows an example of a fully
connected MLP with one hidden layer.Fig. 1. The structure of three layers MLP network.
Mostly multilayer network trained using the backpropagation (BP) algorithm for
forecasting. BP neural networks consist of a collection of inputs and processing
units known as neurons.
BP networks are a class of feed-forward neural networks, which refers to the
direction of information flow from the input to the output layer, with supervised
learning rules. In such a learning each network’s forecasts are compared with the
known correct answer and the weights are adjusted based on the resulting forecast
error to minimize the error function.
For example for forecasting the value of x(t 1)in x(1)...x(t)time series,
x(t k 1)...x(t) is chosen as the inputs to multilayer network and the output will be
the forecast. The network uses data, which extracted from the historical time series
for training and testing on large training and testing sets.
Before an ANN can be used to perform any desired task, it must be trained to do
so. Basically, training is the process of demonstrating the arc weights, which are the
key factors of an ANN. Arcs and nodes are saving the learned knowledge in the
form of arc weights and node biases. The MLP training is a method of training, in
which the desired response of the network (target value) for each input pattern
(example) is always available
The steps in training process are usually as following. Firstly, examples of the
training set are entered into the input nodes. Secondly, the activation values of the
input nodes are weighted and accumulated at each node in the first hidden layer.
Lastly, activation value is obtained by an activation function, which is transforming
the total into activation value. The value becomes an input into the nodes in the
next layer. This process works until the output activation values are found. The
training algorithm is trying to the weights that minimize the mean squared errors
(MSE) or the sum of squared errors (SSE).
3. ANN-DEA
In this research multilayer ANN is applied to forecast the input and outputs of
each DMU in five years. After preliminary analyses and trial,
Levenberg–Marquardt algorithm, the fastest training algorithm is chosen for
proposed MLP network. Levenberg–Marquardt algorithm, can be considered as a
trust-region modification of the Gauss–Newton algorithm.
Two operations must be considered in MLP networks: training and prediction.MLP uses two data sets, the training set for the training of the MLP and test set for
the prediction.
Arbitrary values of the weights, which might be random numbers, are the
beginning of training mode. In each epoch, the iteration of the complete training
set, the network adjusts the weights. Adjusting the weights is based on reducing
error.
The prediction mode begins with information flow from inputs to outputs. The
network produces an estimation of output according to the input values. The
resulting error demonstrates the quality of prediction of the trained network.
Fig. 2. Shows the two samples of test and train regression charts for proposed
ANN.
Fig. 2. Training and testing regression charts
Fig.2. Displays the good quality of the trained network prediction.
After forecasting inputs and outputs by ANN, the DEA model must be selected
for calculating the efficiency and benchmarks.Since some inputs and outputs in this study could be negative, the selected DEA
model for efficiency measurement and benchmarking should not be sensitive to
negative data. One of the best models, which could deal with negative data is SBM
model
The SBM model is as follow:
s
r
r r
m
i
i i
s R
s
s R
m
Minimize
1 1
1 1 ( / )
1 1 ( / )
Subject to,
x s x i m
n
j
ij j i iq 1,2,...,
1
y s y r s
n
j
ij j r rq 1,2,...,
1
j n
n
j
j 1 1,...,
1
j , si , sr 0 i 1,2,...,m r 1,2,..., s j 1,...,n
Where, Ri maxxij : j 1,...,n minxij : j 1,...,n.The variables s+ and s– measure
the distance of inputs X and outputs Y of a virtual unit from those of the unit
evaluated (X q ) . The numerator and the denominator of the objective function of
model measure the average distance of inputs and outputs, respectively, from the
efficiency threshold. For variable returns to scale, condition
n
j
j
1
1
is added.
The stages involved in the proposed algorithm are illustrated in Fig. 3.
Using DEA for efficiency calculation
Forecasting input and outputs with
ANN
4 Benchmarking
3
Collecting data
1 2
Programming strategy
DMU's inputs and outputs for 60 months
Forecasted input and outputs for 5 years
DMUs efficiency scores in each year
Benchmarks for inefficient DMUs
Output
5Fig. 3. The steps of ANN-DEA
4. Computational results
100 branch of one of Iranian commercial banks were selected and the related data
were collected. The data cover the period of March to February in year 2006 to
2011. Each branch demonstrates a decision-making unit (DMU) and uses two
inputs to produce seven outputs as it shown in Table 1.
Table 1- Inputs and outputs of branches
Inputs Outputs
1- Income condominium (Y1)
2- Fee (Commission) (Y2 )
3- Other income (Y3)
4- Main deposits (Y4 )
5- Other deposits (Y5)
6- Current deposit (Y6 )
7- Loan granted account (Y7 )
1- Deposit’s paid profit (X1)
2- Expenses (personnel & official) (X2 )
After implementing ANN and computing the efficiencies by SBM model, for
selected11thDMU the efficiency and benchmark is as follow:
0.005
100
1
100
1
:
j
j j
j
j j
X Y
Benchmark
As it shown in Table 2, the 11th DMU should decrease its inputs and increase
outputs within 5 years’ time horizon. Hence, the 11th DMU will be efficient in five
years.
Table 2. Distance between DMU11 and its benchmark
Inputs
and
outputs
Benchmark DMU11 Difference
X1 3.81E+09 7.27E+09 -3.47E+09
X2 7.21E+08 7.21E+08 0
Y1 7.13E+09 1.64E+09 5.49E+09
Y2
3.31E+09 6.4E+07 3.25E+09
Y3
7.12E+11 6.14E+11 9.83E+10
Y4
1.35E+12 1.09E+12 2.64E+11
Y5
9.14E+10 2.28E+10 6.86E+10
Y6
8.32E+09 0 8.32E+09
Y7
6.6E+11 1.14E+11 5.46E+11
For DMU 38, the benchmark is displayed in Table 3. For being efficient in five
years, the 38th DMU should increase the inputs and outputs.
0.737
Table 3. Distance between DMU38 and its benchmark
Inputs and
outputs
Benchmark DMU38 Difference
X1 1.71E+12 1.54E+09 1.71E+12
X2 2.92E+09 8.41E+08 2.08E+09
Y1 2.25E+11 9.2E+08 2.24E+11
Y2
4.70E+11 1.03E+08 4.70E+11
Y3
6.39E+12 5.35E+11 5.86E+12
Y4
1.87E+12 3.55E+11 1.52E+12
Y5
4.72E+10 3.23E+09 4.40E+10
Y6
5.44E+10 0 5.44E+10
Y7
6.28E+12 4.81E+10 6.23E+12The efficient DMUs are included in reference set are the peer group for the
inefficient units. Therefore, the benchmark and DMU are the same.
For super-efficient DMUs, like DMU1 the benchmark is as Table 4.
1
Table 4. Distance between DMU1 and its benchmark
Inputs and
outputs
Benchmark DMU1 Difference
X1 3.81E+09 3.81E+09 0
X2 1.46E+09 1.46E+09 0
Y1 7.13E+09 7.13E+09 0
Y2
3.31E+09 3.31E+09 0
Y3
7.12E+11 7.12E+11 0
Y4
1.35E+12 1.35E+12 0
Y5
9.14E+10 9.14E+10 0
Y6
8.32E+09 8.32E+09 0
Y7
6.60E+11 6.60E+11 0
Yearly prediction could help each bank branch to have a strategic improvement
plan. Hence, the bank management can plan due to this guide, and reach the fiveyear goal.
5. Conclusions and future works
This paper presents an ANN-DEA study to the branches in one of Iranian
commercial banks. The result helps DMUs to improve their efficiency and gives
them a useful strategic plan for future development. Through the DEA weakness
ANN-DEA approach guides worse performers on how to improve their
performance to different efficiency ratings for future. We can also list the following
directions for future research: First, Ranking DMUs can be considered for future
work. Second, Malmquist productivity index can be used for calculating the
DMU's progress or regress.
</tr>
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Data Envelopment Analysis.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
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An integrated data envelopment analysis-artificial neural network approach
for benchmarking of bank branches
Abstract
Efficiency and quality of services in banking industry is crucial in today’s economy
and society. The competition in this section has become increasingly intense, with
the improvement in technology. Therefore, performance analyses in the banking
sector attract more attention. Data envelopment analysis (DEA) is a pioneer
approach in literature for efficiency measurement and benchmarks.
DEA uses past data for calculating benchmarks, hence forecasting the benchmarks
for future is the main weakness of DEA method.
This paper integrates DEA and artificial neural networks to calculate the relative
efficiency and benchmarks of one of Iranian commercial bank branches.
Therefore, each branch could have strategy to improve the efficiency and eliminate
the cause of inefficiencies due to, the five years forecast.
Keywords: Data envelopment analysis; Artificial neural network; Benchmarking
1. Introduction
Since banking industry is highly competitive, the performance assessment has
received more attention recently. The banking sector is in a race to see who can
offer the best services. These include intensified competition in the market place.
Therefore, bank management wants to identify and eliminate the underlying causes
of inefficiencies to help the firms improving efficiency. In literature data
envelopment analysis (DEA) is a leading approach for the performance analysis
and finding benchmarks. Various models of DEA are widely used for evaluating
bank efficiency such as, Sherman and Gold (1985), Soteriou and Zenios (1999),
Golany and Storbeck (1999), Athanassopoulos and Giokas (2000), and, etc. thick
frontier approach (TFA) as in Berger and Humphrey (1991), Clark (1996) and
Deyoung (1998), free disposal hull (FDH) as in Tulkens (1993) and Chang
(1999),stochastic frontier approach (SFA), also called econometric frontier
approach (EFA) as in Kaparakis, et al. (1994), Berger and Humphrey (1997), Hao,
et al.(2001), and distribution free approach (DFA) as in Berger, et al. (1993),
Akhavein, et al. (1997) and Deyoung (1997).
As DEA can hardly predict the performance of other decision-making units, Wang
(2003) used artificial neural network (ANN) to assist in estimating efficiency.Athnassopoulos and Curram (1996) firstly introduced the combination of neural
networks and DEA for classification and/or prediction. They used DEA in bank
with multi-output: 4 inputs, 3 outputs to monitor training cases in a study. The
comparison between DEA and ANN demonstrates that DEA is superior to ANN
for measurement purpose. Azadeh, et al. (2006), Azadeh, et al. (2007) and Azadeh,
et al. (2007) utilized a highly flexible ANN algorithm to measure and rank the
performance of decision-making units (DMUs). They defined an application of
algorithm in efficiency calculation of Iran steam power plants in 2004. Results
demonstrate that the proposed algorithm estimates the values of efficiency closer
to the ideal efficiency. Finally, they displayed that the result of proposed algorithm
is more robust than the conventional approach because better performance
patterns are explored. Furthermore, they proposed a method to integrate their
pervious algorithm (Azadeh, et al. 2007, 2008).
Wu, et al. (2006) combined DEA and ANN for measuring performance of a large
Canadian bank. They displayed that the DEA-ANN method produces a more
robust frontier and helps to identify more efficient units. Furthermore, for
inefficient units, it provides the guidance on how to improve their performance to
different efficiency ratings. Finally, they concluded there is no need for
assumptions about the production function in ANN approach (the major
drawback of the parametric approach) and it is highly flexible. Weakness of DEA
in forecasting is the reason to use ANN (Wu, et al. 2006). The classic DEA
methods did not have ability to demonstrate benchmarks for future. ANN has
been viewed as a useful tool for managers in predicting system. There are few
researches address the combination of DEA and ANN, Bose and Patel. 2015
overcame the regression model shortcoming of a single dependent variable
by using neural network, they described a combinatorial method for a data
generation procedure and training and prediction to overcome this databased shortcoming
we describe a procedure that uses two-stage DEA, a data generation
procedure (DGP) and ANN training and prediction to overcome this databased shortcoming
such as He-BoongKwon, 2016 who used, CCR model and ANN for measuring
performance and predicting model of Class I railroads in the United States. In
another work, Doaei, et al. 2017 predicted Malaysian manufacturing firm’s
efficiency by applying a combined method of Data Envelopment Analysis (DEA)
and ANN.
This paper integrates DEA and neural networks to forecast inputs and outputs for
examining efficiency. Therefore, benchmarks are based on the future data and
inefficient MDUs have better performance patterns to improve their efficiencies.The paper is organized as follows. Section 2 briefly reviews neural network and
DEA. Section 3 demonstrates the models and methodology utilized in this paper.
The DEA results and further discussion is given in Section 4. Finally, our
conclusions and future work are offered in Section 5.
2. Problem definition
2.1. Data envelopment analysis
DEA is a non-parametric method, which uses linear programming to calculate the
efficiency in a given set of decision-making units (DMUs).
The DMUs that make up a frontier envelope scored 1. The less efficient firms and
the relative efficiency of the firms are calculated in terms of scores on a scale of 0
to 1.
Envelopment surface that represents best practice, can give an indication of how
inefficient DMU can improve to be efficient. DEA provides a comprehensive
analysis of relative efficiencies for multiple input-multiple output situations by
evaluating each DMU's performance relative to an envelopment surface composed
of efficient DMUs. Units that lie on the surface are known efficient in DEA while
those units that do not, are named inefficient. The efficient reference set is
included DMUs which are the peer group for the inefficient units.
The projection of inefficient units on envelopment surface is called benchmark.
Benchmarks are the indication of how the inefficient DMU can improve to be
efficient. Benchmark means if the evaluated DMU had this inputs and outputs
could have been efficient.
Assume input and outputs for j 1,...,n DMUs (X j ,Yj )where,
X j (x1 j ,..., xij ,..., xmj ) is a vector of observed inputs and Yj (y1 j ,..., yrj ,..., ysj )is a
vector of observed outputs for DMU j .
The production possibility set is as bellow:
T {(X,Y) |Y 0 can be produced fromX 0}
The input possibility L(Y), for eachY , and the output possibility P(X ) , for each X ,
are defined as below:
L(Y) {X |(X,Y)T}
P(X ) {X |(X,Y)T}
For achieving production possibility set, T the following proprieties were
postulated:1. Convexity:
X Y T
If X Y T j n and arenonnegativescalars suchthat then
n
j
j j
n
j
j j
n
j
j j j j
1 1
1
,
( , ) , 1,..., , 0 1,
2. Inefficiency postulate:
b If X Y T and Y Y then X Y T
a If X Y T and X X then X Y T
( ) ( , ) , ( , )
( ) ( , ) , ( , )
3. Ray unboundedness:
If (X ,Y)T then(KX ,KY)T for any k 0
4. Minimum extrapolation: T is the intersection set ofT satisfying postulate 1,2, and 3
and subject to condition that each of observed vectors (X j ,Yj )T, j 1,...,n.
With mentioned assumptionsTv is as bellow:
{ | X X & & & 0}
1 1 1
ij
Tv YX jn j Y jn Yijj jn j
Different models for calculating efficiency were introduced, the oldest model is
BCC (Banker- Charnes and Cooper (1984)) model:
Input oriented BCC Model:
,
(1 1 )
Subject to
Minimze s s
x s x i m
n
j
ij j i iq 1,2,...,
1
y s y r s
n
j
ij j r rq 1,2,...,
1
j n
n
j
j 1 1,...,
1
j ,si ,sr 0 i 1,2,...,m r 1,2,...,s j 1,...,nA DMU is called efficient, if it has * 1,si* 0,sr* 0. Otherwise, it is called
inefficient.
For inefficient DMU's (ex. DMUq ), the DEA model calculates the benchmark. The
benchmark is as follow:
n
j
j j
n
j
j j
q
q
X Y
Y s
X s
1
*
1
*
*
* *
.
Benchmarks are like alerts for designing new strategies or changing old strategies.
For each DMU two parts should be taken to account:
1. Eliminate the distance between each DMU and peer group
2. Display the frontier in specific time horizon
As the benchmarks are based on the past data, they couldn’t help to show the
frontier in specific time horizon. Therefore, ANN is used to indicate the envelope
surface.
2.2. Artificial neural networks
The original inspiration for the structure of the neural networks comes from the
workings of the brain. The key factor of this paradigm is the novel structure of the
information-processing system. The system consists of large number of highly
interconnected processing neurons working together to solve specific problems. In
similar with people, ANNs learn by example. Neural network is training by
adjusting the weights between neurons so that an input leads to a target output.
The fast growth of ANN over the last decade, has introduced a new dimension
into the field of performance measurement especially in business application. One
of the major application areas of ANNs is forecasting (Sharda, 1994). Many
different ANN models have been proposed since 1980s. Multi-layer perceptron
(MLP), Hopfield networks, and Kohonen’s self-organizing networks are the most
influential models.
The MLP networks are used in several problems especially in forecasting because
of their inherent capability of arbitrary input – output mapping. Several layers of
nodes are included in MLP. The information receiver layer is an input layer, which
is the lowest layer. The last or the highest layer is an output layer in which the
problem solution is obtained. The hidden layers are the intermediate layers where
the input and output layers separated. Acyclic arcs from a lower layer to a higher
layer connected the nodes in adjacent layers. Fig. 1. shows an example of a fully
connected MLP with one hidden layer.Fig. 1. The structure of three layers MLP network.
Mostly multilayer network trained using the backpropagation (BP) algorithm for
forecasting. BP neural networks consist of a collection of inputs and processing
units known as neurons.
BP networks are a class of feed-forward neural networks, which refers to the
direction of information flow from the input to the output layer, with supervised
learning rules. In such a learning each network’s forecasts are compared with the
known correct answer and the weights are adjusted based on the resulting forecast
error to minimize the error function.
For example for forecasting the value of x(t 1)in x(1)...x(t)time series,
x(t k 1)...x(t) is chosen as the inputs to multilayer network and the output will be
the forecast. The network uses data, which extracted from the historical time series
for training and testing on large training and testing sets.
Before an ANN can be used to perform any desired task, it must be trained to do
so. Basically, training is the process of demonstrating the arc weights, which are the
key factors of an ANN. Arcs and nodes are saving the learned knowledge in the
form of arc weights and node biases. The MLP training is a method of training, in
which the desired response of the network (target value) for each input pattern
(example) is always available
The steps in training process are usually as following. Firstly, examples of the
training set are entered into the input nodes. Secondly, the activation values of the
input nodes are weighted and accumulated at each node in the first hidden layer.
Lastly, activation value is obtained by an activation function, which is transforming
the total into activation value. The value becomes an input into the nodes in the
next layer. This process works until the output activation values are found. The
training algorithm is trying to the weights that minimize the mean squared errors
(MSE) or the sum of squared errors (SSE).
3. ANN-DEA
In this research multilayer ANN is applied to forecast the input and outputs of
each DMU in five years. After preliminary analyses and trial,
Levenberg–Marquardt algorithm, the fastest training algorithm is chosen for
proposed MLP network. Levenberg–Marquardt algorithm, can be considered as a
trust-region modification of the Gauss–Newton algorithm.
Two operations must be considered in MLP networks: training and prediction.MLP uses two data sets, the training set for the training of the MLP and test set for
the prediction.
Arbitrary values of the weights, which might be random numbers, are the
beginning of training mode. In each epoch, the iteration of the complete training
set, the network adjusts the weights. Adjusting the weights is based on reducing
error.
The prediction mode begins with information flow from inputs to outputs. The
network produces an estimation of output according to the input values. The
resulting error demonstrates the quality of prediction of the trained network.
Fig. 2. Shows the two samples of test and train regression charts for proposed
ANN.
Fig. 2. Training and testing regression charts
Fig.2. Displays the good quality of the trained network prediction.
After forecasting inputs and outputs by ANN, the DEA model must be selected
for calculating the efficiency and benchmarks.Since some inputs and outputs in this study could be negative, the selected DEA
model for efficiency measurement and benchmarking should not be sensitive to
negative data. One of the best models, which could deal with negative data is SBM
model
The SBM model is as follow:
s
r
r r
m
i
i i
s R
s
s R
m
Minimize
1 1
1 1 ( / )
1 1 ( / )
Subject to,
x s x i m
n
j
ij j i iq 1,2,...,
1
y s y r s
n
j
ij j r rq 1,2,...,
1
j n
n
j
j 1 1,...,
1
j , si , sr 0 i 1,2,...,m r 1,2,..., s j 1,...,n
Where, Ri maxxij : j 1,...,n minxij : j 1,...,n.The variables s+ and s– measure
the distance of inputs X and outputs Y of a virtual unit from those of the unit
evaluated (X q ) . The numerator and the denominator of the objective function of
model measure the average distance of inputs and outputs, respectively, from the
efficiency threshold. For variable returns to scale, condition
n
j
j
1
1
is added.
The stages involved in the proposed algorithm are illustrated in Fig. 3.
Using DEA for efficiency calculation
Forecasting input and outputs with
ANN
4 Benchmarking
3
Collecting data
1 2
Programming strategy
DMU's inputs and outputs for 60 months
Forecasted input and outputs for 5 years
DMUs efficiency scores in each year
Benchmarks for inefficient DMUs
Output
5Fig. 3. The steps of ANN-DEA
4. Computational results
100 branch of one of Iranian commercial banks were selected and the related data
were collected. The data cover the period of March to February in year 2006 to
2011. Each branch demonstrates a decision-making unit (DMU) and uses two
inputs to produce seven outputs as it shown in Table 1.
Table 1- Inputs and outputs of branches
Inputs Outputs
1- Income condominium (Y1)
2- Fee (Commission) (Y2 )
3- Other income (Y3)
4- Main deposits (Y4 )
5- Other deposits (Y5)
6- Current deposit (Y6 )
7- Loan granted account (Y7 )
1- Deposit’s paid profit (X1)
2- Expenses (personnel & official) (X2 )
After implementing ANN and computing the efficiencies by SBM model, for
selected11thDMU the efficiency and benchmark is as follow:
0.005
100
1
100
1
:
j
j j
j
j j
X Y
Benchmark
As it shown in Table 2, the 11th DMU should decrease its inputs and increase
outputs within 5 years’ time horizon. Hence, the 11th DMU will be efficient in five
years.
Table 2. Distance between DMU11 and its benchmark
Inputs
and
outputs
Benchmark DMU11 Difference
X1 3.81E+09 7.27E+09 -3.47E+09
X2 7.21E+08 7.21E+08 0
Y1 7.13E+09 1.64E+09 5.49E+09
Y2
3.31E+09 6.4E+07 3.25E+09
Y3
7.12E+11 6.14E+11 9.83E+10
Y4
1.35E+12 1.09E+12 2.64E+11
Y5
9.14E+10 2.28E+10 6.86E+10
Y6
8.32E+09 0 8.32E+09
Y7
6.6E+11 1.14E+11 5.46E+11
For DMU 38, the benchmark is displayed in Table 3. For being efficient in five
years, the 38th DMU should increase the inputs and outputs.
0.737
Table 3. Distance between DMU38 and its benchmark
Inputs and
outputs
Benchmark DMU38 Difference
X1 1.71E+12 1.54E+09 1.71E+12
X2 2.92E+09 8.41E+08 2.08E+09
Y1 2.25E+11 9.2E+08 2.24E+11
Y2
4.70E+11 1.03E+08 4.70E+11
Y3
6.39E+12 5.35E+11 5.86E+12
Y4
1.87E+12 3.55E+11 1.52E+12
Y5
4.72E+10 3.23E+09 4.40E+10
Y6
5.44E+10 0 5.44E+10
Y7
6.28E+12 4.81E+10 6.23E+12The efficient DMUs are included in reference set are the peer group for the
inefficient units. Therefore, the benchmark and DMU are the same.
For super-efficient DMUs, like DMU1 the benchmark is as Table 4.
1
Table 4. Distance between DMU1 and its benchmark
Inputs and
outputs
Benchmark DMU1 Difference
X1 3.81E+09 3.81E+09 0
X2 1.46E+09 1.46E+09 0
Y1 7.13E+09 7.13E+09 0
Y2
3.31E+09 3.31E+09 0
Y3
7.12E+11 7.12E+11 0
Y4
1.35E+12 1.35E+12 0
Y5
9.14E+10 9.14E+10 0
Y6
8.32E+09 8.32E+09 0
Y7
6.60E+11 6.60E+11 0
Yearly prediction could help each bank branch to have a strategic improvement
plan. Hence, the bank management can plan due to this guide, and reach the fiveyear goal.
5. Conclusions and future works
This paper presents an ANN-DEA study to the branches in one of Iranian
commercial banks. The result helps DMUs to improve their efficiency and gives
them a useful strategic plan for future development. Through the DEA weakness
ANN-DEA approach guides worse performers on how to improve their
performance to different efficiency ratings for future. We can also list the following
directions for future research: First, Ranking DMUs can be considered for future
work. Second, Malmquist productivity index can be used for calculating the
DMU's progress or regress.
</tr>
</table>
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Gholamreza Jalili, Traditional Customs2020-07-14T16:09:02+00:002020-07-14T16:09:02+00:00https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3640-gholamreza-jalili-traditional-customsHamed hamedjafari1374@gmail.com<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Gholamreza Jalili, Traditional Customs.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
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In many countries, traditional customs are being lost. Why do you think is this
happening? What schools and parents can do to stop it?
Traditions are passed down to the generations, and now it would be our mission to preserve
them thoroughly for the later descendants. Unfortunately, in some nations, these customs are
about to fade. In the following, the real cause of this situation will be discussed, then offered
some measures will be offered that must be taken into consideration to prevent that from
happening.
In the past, rituals shaped society so that each nation can could be distinguished from others
without any further efforts. But, nowadays, due to the prevalence of media such as TV
programs, or even the internet, traditions have overlapped widely and somehow cannot be
separated. All the customs are more likely to unify in the new form of worldwide attitude which
does not belong to any specific country. Take Christmas as a typical example, long ago,
Christmas was specified only to Christians who celebrate Jesus's birthday, but now, thanks to
the media, people despite their beliefs, are willing to celebrate this ceremony instead of their
own traditions.
However, the elders of society namely school teachers' schools or parents can take part in
holding their ancestors’ 's customs by teaching them interestingly to the toddlers. In fact, the
way of their teaching should be well-justified and seems logical and unforgettable to the
audiences. The old methods must be shifted out and replaced by some of the modern
technologies to interest the curious minds of children. For instance, they should included
traditions in some games in order to capture children's attention. More importantly, parents
can value the customs in front of youngsters as a role model in how children would look up to
them. Teenagers would be impressed easily and it will be positive the chance to preserve rituals
among the families.
In conclusion, to save the nations' traditions and customs which are recently are less valued
due to Media campaigns, some effective measures should be applied by the senior people.
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Gholamreza Jalili, Traditional Customs.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
In many countries, traditional customs are being lost. Why do you think is this
happening? What schools and parents can do to stop it?
Traditions are passed down to the generations, and now it would be our mission to preserve
them thoroughly for the later descendants. Unfortunately, in some nations, these customs are
about to fade. In the following, the real cause of this situation will be discussed, then offered
some measures will be offered that must be taken into consideration to prevent that from
happening.
In the past, rituals shaped society so that each nation can could be distinguished from others
without any further efforts. But, nowadays, due to the prevalence of media such as TV
programs, or even the internet, traditions have overlapped widely and somehow cannot be
separated. All the customs are more likely to unify in the new form of worldwide attitude which
does not belong to any specific country. Take Christmas as a typical example, long ago,
Christmas was specified only to Christians who celebrate Jesus's birthday, but now, thanks to
the media, people despite their beliefs, are willing to celebrate this ceremony instead of their
own traditions.
However, the elders of society namely school teachers' schools or parents can take part in
holding their ancestors’ 's customs by teaching them interestingly to the toddlers. In fact, the
way of their teaching should be well-justified and seems logical and unforgettable to the
audiences. The old methods must be shifted out and replaced by some of the modern
technologies to interest the curious minds of children. For instance, they should included
traditions in some games in order to capture children's attention. More importantly, parents
can value the customs in front of youngsters as a role model in how children would look up to
them. Teenagers would be impressed easily and it will be positive the chance to preserve rituals
among the families.
In conclusion, to save the nations' traditions and customs which are recently are less valued
due to Media campaigns, some effective measures should be applied by the senior people.
</tr>
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Maedeh Mirazimi, Technology Effect on Children's Free Time2020-07-14T16:08:52+00:002020-07-14T16:08:52+00:00https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3639-maedeh-mirazimi-technology-effect-on-children-s-free-timeHamed hamedjafari1374@gmail.com<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Gholamreza Jalili, Traditional Customs.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
New technologies have changed the way children spend their free time. Do the advantages outweigh
the disadvantages?
In recent years, the technological advances have had an undeniable impact on how the youngsters
spend their spare time. Even since this fact has put entails some positive and negative issues, this essay
will discuss both sides of the argument. I personally believe that the potential benefits are worth the
potential side effects.
On the one hand, devoting too much time to mobiles, computers and PlayStation has several downsides
in terms of health and social communication. If children prefer the technological gadgets instead of face
to face communication, they will have no engagement with family members and their peers. So, they
will be vulnerable and negative/cynical/diffident in social situations. Furthermore, staring at the
computer, smartphones and other screens might result in dryness and eye irritation. In addition, playing
computer games for many hours can not only increase the high risk of childhood obesity, diabetes and
cardiovascular diseases due to lack of physical activities, but also decrease their concentration on their
homework.
On the other hand, through the unlimited online resources available on the internet, youngsters can
learn too much about the world and different fields of study anytime and anywhere. Consequently, they
are educated to study on their own while their cognitive abilities are developed. Besides, teenagers can
boost their intelligence and problem-solving skills through mind games and educational applications like
Sudoku.
In conclusion, although the advent of high-tech products in children’s leisure time has some downsides, I
firmly believe that their upsides are more remarkable.
Maedeh Mirazimi
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Gholamreza Jalili, Traditional Customs.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
New technologies have changed the way children spend their free time. Do the advantages outweigh
the disadvantages?
In recent years, the technological advances have had an undeniable impact on how the youngsters
spend their spare time. Even since this fact has put entails some positive and negative issues, this essay
will discuss both sides of the argument. I personally believe that the potential benefits are worth the
potential side effects.
On the one hand, devoting too much time to mobiles, computers and PlayStation has several downsides
in terms of health and social communication. If children prefer the technological gadgets instead of face
to face communication, they will have no engagement with family members and their peers. So, they
will be vulnerable and negative/cynical/diffident in social situations. Furthermore, staring at the
computer, smartphones and other screens might result in dryness and eye irritation. In addition, playing
computer games for many hours can not only increase the high risk of childhood obesity, diabetes and
cardiovascular diseases due to lack of physical activities, but also decrease their concentration on their
homework.
On the other hand, through the unlimited online resources available on the internet, youngsters can
learn too much about the world and different fields of study anytime and anywhere. Consequently, they
are educated to study on their own while their cognitive abilities are developed. Besides, teenagers can
boost their intelligence and problem-solving skills through mind games and educational applications like
Sudoku.
In conclusion, although the advent of high-tech products in children’s leisure time has some downsides, I
firmly believe that their upsides are more remarkable.
Maedeh Mirazimi
</tr>
</table>
</body>
</html>
Mohammad, Disruptive Students2020-07-14T16:08:42+00:002020-07-14T16:08:42+00:00https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3638-mohammad-disruptive-studentsHamed hamedjafari1374@gmail.com<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Mohammad, Disruptive Students.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
Disruptive school students have a negative influence on others; students who are noisy and disobedient
should be grouped together and taught separately. Do you agree or disagree?
For many teachers the most common distraction in a classroom is a disruptive student. Although such
behavior should indeed be addressed instantaneously and properly by the teacher, I do not subscribe to
the view that they challenging students should be put in groups, isolated from the rest of the class/other
students.
To begin with, a class full of disruptive/unruly students would be a disastrous for both teachers and
students. The primary aim of teaching is to train students and help them make educational and
behavioral improvements. Should a class with one student/learner demonstrating disobedient
disobedience and misbehavior beis demanding, the one replete with those would be taxing beyond any
teacher’s capacity. ; A class in which all students are likely to use swear names, bully others and play
practical jokes on their classmates or even the teacher; a landscape so barren for education.
Moreover, segregating challenging students would be wrong from an ethical point of view. Putting such
children and teenagers in a separate room as if they were criminals whose disobedience and misbehave
misbehavior areis contagious would be against morality. Aren’t schools officials and teachers the ones
who should advise plans and strategies to remedy such behavior? Abdicating its responsibility under the
pretext of achieving better educational efficiency, the school would resemble a circus, entailing teachers
serving as tiger tamers who are to control students and put the school in order.
Finally, I share the view the eminent educationist John Dewey’s view that school is a miniature society.
in addition to its educational role, schools should provide an environment where children and teenagers
can boost their acquaintance with the adult society. having been ostracized by his teachers and
classmates, the young adult, rather dehumanized, is now more susceptible to turning into a criminal, a
truly disruptive member of society, thereby creating more serious problems.
In conclusion, despite the fact that school’s individuals and teachers should work collectively to develop
a procedure to contend with troubled students, I would argue detaching them from other students
would exert a more pernicious influence. Slip of the pen سھو قلم
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Mohammad, Disruptive Students.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
Disruptive school students have a negative influence on others; students who are noisy and disobedient
should be grouped together and taught separately. Do you agree or disagree?
For many teachers the most common distraction in a classroom is a disruptive student. Although such
behavior should indeed be addressed instantaneously and properly by the teacher, I do not subscribe to
the view that they challenging students should be put in groups, isolated from the rest of the class/other
students.
To begin with, a class full of disruptive/unruly students would be a disastrous for both teachers and
students. The primary aim of teaching is to train students and help them make educational and
behavioral improvements. Should a class with one student/learner demonstrating disobedient
disobedience and misbehavior beis demanding, the one replete with those would be taxing beyond any
teacher’s capacity. ; A class in which all students are likely to use swear names, bully others and play
practical jokes on their classmates or even the teacher; a landscape so barren for education.
Moreover, segregating challenging students would be wrong from an ethical point of view. Putting such
children and teenagers in a separate room as if they were criminals whose disobedience and misbehave
misbehavior areis contagious would be against morality. Aren’t schools officials and teachers the ones
who should advise plans and strategies to remedy such behavior? Abdicating its responsibility under the
pretext of achieving better educational efficiency, the school would resemble a circus, entailing teachers
serving as tiger tamers who are to control students and put the school in order.
Finally, I share the view the eminent educationist John Dewey’s view that school is a miniature society.
in addition to its educational role, schools should provide an environment where children and teenagers
can boost their acquaintance with the adult society. having been ostracized by his teachers and
classmates, the young adult, rather dehumanized, is now more susceptible to turning into a criminal, a
truly disruptive member of society, thereby creating more serious problems.
In conclusion, despite the fact that school’s individuals and teachers should work collectively to develop
a procedure to contend with troubled students, I would argue detaching them from other students
would exert a more pernicious influence. Slip of the pen سھو قلم
</tr>
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Nasrin, Enjoyable Job vs Earning Money2020-07-14T16:08:32+00:002020-07-14T16:08:32+00:00https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3637-nasrin-enjoyable-job-vs-earning-moneyHamed hamedjafari1374@gmail.com<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Nasrin, Enjoyable Job vs Earning Money.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
Some people argue that it is more important to have an enjoyable job than to earn a lot of money. Others
disagree and think that a good salary leads to a better life.
Discuss both these views and give your own opinion.
Give reasons for your answer and include any relevant examples from your own knowledge or experience.
In this day and age, salary has become the determining factor in choosing a job. Yet, there has been much discussion revolving
around whether having a job with which an excessive amount of money could be earned is more beneficial than having an
enjoyable one. Although funds payments are of paramount significance for a person’s life, I opine that a desired job can benefit
people on several grounds.
On the one hand, that people work to pay for their living expenses in an undeniable fact. That is to say, a high wage incentives
employees to dedicate themselves to their jobs in order to providing provide the means for a more assured and dependent life.
Moreover, performing a profit-making job, individuals could accumulate the required means for their senior years in which they
are to some extent prone to face financial difficulties as a result of the high possibilities of economic woes. However, these
jobs, by and large, are taxing and stressful which may impose a pressure on employees, thereby leaving a negative impression
on their well-being.
On the other hand, those who have managed to find a job from which they take pleasure are more likely to become successful
in it since they consider it as their lifelong vocation and perform their tasks wholeheartedly and enthusiastically. The number of
prominent entrepreneurs who penetrate the market with their services proves that people are more likely to flourish in fields
that they are passionate about. However, it is incumbent upon individuals to strike a balance between enjoying a job and
earning money since a dead-end job with no profit would bring them to their knees, albeit willingly performed.
In conclusion, while having a profitable business would protect people in the face of adversities, they are more likely to
prosper in a job which they desire, hence the importance of securing a satisfying one with which they can afford their living
expenses.
</tr>
</table>
</body>
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<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Nasrin, Enjoyable Job vs Earning Money.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
Some people argue that it is more important to have an enjoyable job than to earn a lot of money. Others
disagree and think that a good salary leads to a better life.
Discuss both these views and give your own opinion.
Give reasons for your answer and include any relevant examples from your own knowledge or experience.
In this day and age, salary has become the determining factor in choosing a job. Yet, there has been much discussion revolving
around whether having a job with which an excessive amount of money could be earned is more beneficial than having an
enjoyable one. Although funds payments are of paramount significance for a person’s life, I opine that a desired job can benefit
people on several grounds.
On the one hand, that people work to pay for their living expenses in an undeniable fact. That is to say, a high wage incentives
employees to dedicate themselves to their jobs in order to providing provide the means for a more assured and dependent life.
Moreover, performing a profit-making job, individuals could accumulate the required means for their senior years in which they
are to some extent prone to face financial difficulties as a result of the high possibilities of economic woes. However, these
jobs, by and large, are taxing and stressful which may impose a pressure on employees, thereby leaving a negative impression
on their well-being.
On the other hand, those who have managed to find a job from which they take pleasure are more likely to become successful
in it since they consider it as their lifelong vocation and perform their tasks wholeheartedly and enthusiastically. The number of
prominent entrepreneurs who penetrate the market with their services proves that people are more likely to flourish in fields
that they are passionate about. However, it is incumbent upon individuals to strike a balance between enjoying a job and
earning money since a dead-end job with no profit would bring them to their knees, albeit willingly performed.
In conclusion, while having a profitable business would protect people in the face of adversities, they are more likely to
prosper in a job which they desire, hence the importance of securing a satisfying one with which they can afford their living
expenses.
</tr>
</table>
</body>
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Niloo, Problems Solve2020-07-14T16:08:22+00:002020-07-14T16:08:22+00:00https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3636-niloo-problems-solveHamed hamedjafari1374@gmail.com<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
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<body>
<table width="80%" border="1" align="center">
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<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Niloo, Problems Solve.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
Do you agree or disagree? People would meet many problems in
their daily life and they would solve them by themselves or from
the help of their families; the help from the government is not
necessary.
From my viewpoint these kinds of questions can have variable answers
becuase it depneds on people's personality and their situations and it is
obvious that people encounter diverse problems in various levels during
their life. Although people can cope with their problems, some reasons
persuade me to put forward that aiding aids from others will be practical
for them which I will explain with a couple of examples.
At the outset, some problems are bigger than which they can be solved
by individuals, so there is a storng organization to handle that those
issues like the government. For instance, financial problems or lack of
jobs for those who is graduated recently and is are not the wealthy
segment of society which means nowadays the economy economic
condition is tough for most of the people and this is one of the most
remarkable points which is growing and government should tend to it
because it is out of people's control.
Another striking point is that sometimes if every individual or family
wants to struggle with their own problems, the society becomes chaotic
and irregular. For example, if everyone wants to find the thief of their
personal belongings, the country will fall run into trouble.
Last but not least, it is a given fact that each person gains specific
experience during life, so by consulting/ consult with others we can use
their experiences to become familiar with several solutions whereby we
can solve our problems. For instance, if you want to invest in some
spheres/areas/fields, it will be beneficial when you getting get advice
from an eminent businessman.
To recap, the benefits of receiving helping from others to solving solve
our issues greatly outweight the disadvantages becuase because we
can learn from others' experiences, preserving preserve society
againstof chaotic chaos and also sometimes help people who are
inability unable to solve certain/some problems.
</tr>
</table>
</body>
</html>
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
<body>
<table width="80%" border="1" align="center">
<tr>
<td><p align="center" dir="rtl"><font color="#FF0000" size="+3">جهت مشاهده Writing تصحیح شده فایل PDF را دانلود نمایید.</font></p><p align="center"><a href="http://ieltstoeflcenter.com/Download/Workshop/Wirting/Mondays/1399/Writing Workshop Monday 99.04.23/Niloo, Problems Solve.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p>
<p align="left" dir="ltr">
Do you agree or disagree? People would meet many problems in
their daily life and they would solve them by themselves or from
the help of their families; the help from the government is not
necessary.
From my viewpoint these kinds of questions can have variable answers
becuase it depneds on people's personality and their situations and it is
obvious that people encounter diverse problems in various levels during
their life. Although people can cope with their problems, some reasons
persuade me to put forward that aiding aids from others will be practical
for them which I will explain with a couple of examples.
At the outset, some problems are bigger than which they can be solved
by individuals, so there is a storng organization to handle that those
issues like the government. For instance, financial problems or lack of
jobs for those who is graduated recently and is are not the wealthy
segment of society which means nowadays the economy economic
condition is tough for most of the people and this is one of the most
remarkable points which is growing and government should tend to it
because it is out of people's control.
Another striking point is that sometimes if every individual or family
wants to struggle with their own problems, the society becomes chaotic
and irregular. For example, if everyone wants to find the thief of their
personal belongings, the country will fall run into trouble.
Last but not least, it is a given fact that each person gains specific
experience during life, so by consulting/ consult with others we can use
their experiences to become familiar with several solutions whereby we
can solve our problems. For instance, if you want to invest in some
spheres/areas/fields, it will be beneficial when you getting get advice
from an eminent businessman.
To recap, the benefits of receiving helping from others to solving solve
our issues greatly outweight the disadvantages becuase because we
can learn from others' experiences, preserving preserve society
againstof chaotic chaos and also sometimes help people who are
inability unable to solve certain/some problems.
</tr>
</table>
</body>
</html>