Water resources sustainable allocation: case study; Alborz province

ABSTRACT Shortage of water resources, particularly in the developing countries, is a global problem and this is due to the rapid growth of population and water pollution resulting from uncontrolled economic development. In some regions, it is difficult to allocate water to all the consumers in a desirable manner and thus logical allocation of water resources is considered a significant issue. This article presents a multi-objective model for efficient allocation of water resources from the perspective of sustainable development. The model used in this study is the one used for allocation of water resources in Alborz province where water shortage will be unavoidable due to rapid growth in demands for water. The results gained from this study indicate that with the increase for water demand, the efficient allocation can be carried out in a way that different users of water resources will suffer the least and thus move towards sustainability

Credit Risk and its Affecting Factors in Iran Agricultural Bank Loans

This paper aimed at studying the credit risk and those factors affecting the risk in different types of Iran Agricultural Bank (IAB) credit facilities through the panel data model. Accordingly, detailed information of all types of IAB credit facilities (micro, small, medium and macro) from all provinces, within 2009-2013, were analyzed. The results estimated by the model indicate that the educational degree and monthly income have negative and significant impact on credit risk, while the number of family members, credit background and the value of credit facilities positively and significantly impact the credit risk. Moreover, the risk is affected negatively and significantly by the age variable