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      • Open Access Article

        1 - Phenomenology of customers’ hope for banking services in Keshavarzi Bank with an approach involving ethics, innovation and quality management system
        asghar ahmadi farshid namamian Ali  Asghari Sarem Tohfeh Ghobadi Lamouki
        As strategic partners of businesses, customers have played an undeniable role in business growth and development; having a comprehensive knowledge of customers from different dimensions has always been emphasized. Meanwhile, the phenomenon of customer’s hope has been ne More
        As strategic partners of businesses, customers have played an undeniable role in business growth and development; having a comprehensive knowledge of customers from different dimensions has always been emphasized. Meanwhile, the phenomenon of customer’s hope has been neglected in theoretical issues and specifically in the banking industry as an important principle in maintaining a continued relationship with customers. Moreover, from the perspective of correct and accurate understanding of its meanings, its concepts and hidden conceptual layers have been commonly overlooked. Thus. the present study aims to describe the lived experience of customers’ hope in to the services provided by Keshavarzi Bank in order to identify the dimensions and components of customers’ hope and then to present a conceptual model and structure of the study. In terms of purpose, this present study is an applied one, and from the perspective of approach, it is an exploratory one. In terms of type of research, it is an exploratory mixed one. In the first and qualitative phase, a purposeful selection and in-depth interviews were conducted with 9 bank customers with Sidman’s method and applying a phenomenological approach. The results were analyzed with a Colaizzi’s method. The results of the analysis confirm the emergence of the structure of customer’s hope in three general categories, including hope derived from ethics in the Keshavarzi Bank, hope derived from the service quality management system, and finally “hope derived from innovation and customer-orientedness”. Also, the three mentioned categories had a total of 6 concepts and twenty propositions, resulting from summarizing and modifying the initial 87 propositions. In the quantitative section, in order to investigate the originality of the structure, customer’s hope was measured based on the findings of applying and implementing a phenomenological strategy in the form of a researcher-made questionnaire consisting of 24 items. The questionnaire was designed, distributed and completed among 400 customers of Keshavarzi Bank. The results were analyzed by using SPSS, Lisrel and Smart pls. The results of the study in this section confirm the structure of customer hope in the form of a conceptual model extracted from the first section. Therefore, in the banking industry, by focusing and paying attention to the structure of the phenomenon of customer hope as the main themes and related concepts and propositions, appropriate measures and approaches can be adopted to create and manage sustainable customer relations. Manuscript profile
      • Open Access Article

        2 - Designing a model for creating a company's value set, taking into account the customer's ethical value and social ethical value
        Keyvan  Mohbed Hashem  NikouMaram Karim  Hamdi
        The overall purpose of this study is to provide a model for creating a set of company value, customer ethical value and social ethical value with a positive marketing approach. Data is in the category of exploratory (qualitative-quantitative) research and is done in two More
        The overall purpose of this study is to provide a model for creating a set of company value, customer ethical value and social ethical value with a positive marketing approach. Data is in the category of exploratory (qualitative-quantitative) research and is done in two phases. In the first phase, using the opinion of 15 experts and relying on study sources, the model framework was presented and validated. The statistical community in the second phase is the group of customers of entrepreneurial insurance services. In order to collect information and analyze the data, in the qualitative phase, the method based on data theory was used and in the quantitative phase, the method of structural equation modeling was used. Likert spectra were used. According to the results in the first and second part, social marketing has the greatest impact and role on positive marketing and positive marketing has the greatest impact and role on the value of the company. Manuscript profile
      • Open Access Article

        3 - Role of custom and ethics in the financial rights of couples and its effect on crime prevention
        Leila  Radpasand Farhad  Parvin
        After the correct marriage and marital relations between the parties, various rights and duties are established, including financial rights between the spouses. Couples' financial rights are one of the most important parts of civil law, which is intertwined with customa More
        After the correct marriage and marital relations between the parties, various rights and duties are established, including financial rights between the spouses. Couples' financial rights are one of the most important parts of civil law, which is intertwined with customary and moral issues and is an important factor in crime prevention. Therefore, ignoring the role of custom and ethics in the rights of couples causes fundamental challenges in society. The purpose of writing this article is to explain the position of custom and ethics in some financial rights of couples, such as dowry, dowry and alimony from the perspective of Iranian law, Islamic religions and official religions in a descriptive analytical method; Explaining the limits of custom and introducing it, we will finally realize that although custom and ethics in the Iranian legal system, mainly in cases of text silence, have a complementary and interpretive role; But it has a role to play, and in many cases it is used practically in jurisprudence and law. Also, the role of custom in the Sunnah of Tabdan is Hadd, that what is considered acceptable in the custom is also considered acceptable in the sight of God. The role of custom in the rights of minorities (Jewish, Zoroastrian and Christian) is also undeniable according to their own religious customs and traditions, and is a source of rights. Adherence to ethical rules in the realm of the family plays a very decisive role in ensuring the rights of men and women all over the world; Because in many cases, the rights and obligations that couples assume towards each other have no legal obligation and are done solely on the basis of moral considerations. Manuscript profile