Mondays GMAT-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: 42-88679341 https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23 2024-05-05T19:38:01+00:00 IELTSTOEFLCENTER info@ieltstoeflcenter.com Joomla! - Open Source Content Management Amirshahin Shahinnejad, Modern Technology has Made it Easier 2020-07-14T16:09:39+00:00 2020-07-14T16:09:39+00:00 https://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-easier Hamed hamedjafari1374@gmail.com <!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/Amirshahin Shahinnejad, Modern Technology has Made it Easier.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p> <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. </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/Amirshahin Shahinnejad, Modern Technology has Made it Easier.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p> <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. </tr> </table> </body> </html> Children and Paid Works 2020-07-14T16:09:29+00:00 2020-07-14T16:09:29+00:00 https://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-works Hamed hamedjafari1374@gmail.com <!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/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> <!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/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 Analysis 2020-07-14T16:09:14+00:00 2020-07-14T16:09:14+00:00 https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3641-data-envelopment-analysis Hamed hamedjafari1374@gmail.com <!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/Data Envelopment Analysis.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p> <p align="left" dir="ltr"> 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 Yijj 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  maxxij : j  1,...,n minxij : 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> </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/Data Envelopment Analysis.pdf"><img src="http://ieltstoeflcenter.com/Download/Download-Button.png" /></a></p> <p align="left" dir="ltr"> 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 Yijj 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  maxxij : j  1,...,n minxij : 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> </body> </html> Gholamreza Jalili, Traditional Customs 2020-07-14T16:09:02+00:00 2020-07-14T16:09:02+00:00 https://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-customs Hamed hamedjafari1374@gmail.com <!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/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> </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/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> </table> </body> </html> Maedeh Mirazimi, Technology Effect on Children's Free Time 2020-07-14T16:08:52+00:00 2020-07-14T16:08:52+00:00 https://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-time Hamed hamedjafari1374@gmail.com <!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/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> <!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/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 Students 2020-07-14T16:08:42+00:00 2020-07-14T16:08:42+00:00 https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3638-mohammad-disruptive-students Hamed hamedjafari1374@gmail.com <!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/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> </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/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> </table> </body> </html> Nasrin, Enjoyable Job vs Earning Money 2020-07-14T16:08:32+00:00 2020-07-14T16:08:32+00:00 https://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-money Hamed hamedjafari1374@gmail.com <!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/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> </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/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> </html> Niloo, Problems Solve 2020-07-14T16:08:22+00:00 2020-07-14T16:08:22+00:00 https://sabaitc.com/index.php/workshop-speaking-writing/writing-workshop/mondays/510-monday-writing-workshop-1399/writing-workshop-monday-99-04-23/3636-niloo-problems-solve Hamed hamedjafari1374@gmail.com <!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> <!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>