scholarly journals Mortgage Default Behaviour in South Africa’s Low Income Homeowners Relates to Banks Borrower Education Programmes

2013 ◽  
Vol 2 (2) ◽  
pp. 66-75
Author(s):  
Viyusani Moss
Keyword(s):  
Low Income ◽  
Banking Sector ◽  
Research Approach ◽  
Suitable Model ◽  
Mortgage Default ◽  
Independent Variables ◽  
Analyse Data ◽  
High Level ◽  
The Relationship

In investigating the non-payment phenomenon in South Africa’s low income households, a case study of Protea Glenx the researcher employed quantitative tools and qualitative methods. The rationale was prompted by high level of evictions and repossessions for non-payment of mortgages in the Protea Glen area in Johannesburg South Africa. The research approach was to measure and draw sample size from the units of population, conduct interviews and captureand analyse data through the use of SPSS as a suitable statistical instrument. Furthermore, the aim was to employ a suitable model for measuring the relationship between dependent and independent variables and also to highlight the limitations of the study. The findings of the study revealed several interesting empirical results that underpinning the importance of borrower education for mortgage account holders and the need by the banking sector to properly empower borrowers about credit behaviour, responsibilities and obligations of owning a property plus the ongoing costs of ownership.

scholarly journals STUDI RELATIONSHIP QUALITY PADA BANK NAGARI CABANG SIMPANG EMPAT PASAMAN BARAT

2019 ◽  
Vol 4 (1) ◽  
pp. 23-31
Author(s):  
Asraf Asraf
Keyword(s):  
Relationship Quality ◽  
Customer Loyalty ◽  
Management Strategy ◽  
Banking Sector ◽  
Likert Scale ◽  
Marketing Management ◽  
Independent Variables ◽  
High Level ◽  
The Relationship

The high level of competition in banking sector requires management to implement a good marketing management strategy in order to increase the customers loyalty. Customer loyalty is determined by the high relationship quality. Among the variables that influence the relationship quality is trust, satisfaction and commitment. This study analyzed the effect of these three variables to improve relationship quality on Bank Nagari Simpang Empat Branch. The population is the customers who take a sample of 100 customers. Measurement of variables with instruments which quantified by Likert scale. The results showed that all of the independent variables positive and significant impact on the improvement of relationship quality. The findings of this study provides implications for the management of Bank Nagari Simpang Empat Branch that in order to improve the relationship quality should increase the trust variable, satisfaction and commitment. Keywords: Relationship Quality, Trust, Satisfaction and Commitment.

scholarly journals Gender and feminist considerations in Artificial Intelligence from a developing-world perspective, with India as a case study

2021 ◽  
Author(s):  
SANGHAMITRA CHOUDHURY ◽  
Shailendra Kumar
Keyword(s):  
Artificial Intelligence ◽  
Developing Countries ◽  
Developing World ◽  
Developed Countries ◽  
High Level ◽  
The Impact ◽  
The Relationship ◽  
Precarious Situation ◽  
And Robotics

<p>The relationship between women, technology manifestation, and likely prospects in the developing world is discussed in this manuscript. Using India as a case study, the paper goes on to discuss how ontology and epistemology views utilised in AI (Artificial Intelligence) and robotics will affect women's prospects in developing countries. Women in developing countries, notably in South Asia, are perceived as doing domestic work and are underrepresented in high-level professions. They are disproportionately underemployed and face prejudice in the workplace. The purpose of this study is to determine if the introduction of AI would exacerbate the already precarious situation of women in the developing world or if it would serve as a liberating force. While studies on the impact of AI on women have been undertaken in developed countries, there has been less research in developing countries. This manuscript attempts to fill that need.</p>

scholarly journals Principals Agents and Prisoners: An Economical Perspective on Information Systems Development Practice

10.28945/3041 ◽  
2006 ◽  
Author(s):  
Karlheinz Kautz ◽  
Bjarke Nielsen
Keyword(s):  
Information Systems ◽  
Systems Development ◽  
Information Systems Development ◽  
Research Approach ◽  
Price Structure ◽  
Relationship Of ◽  
The Impact ◽  
The Relationship ◽  
Development Practice

Information systems development takes place within an economical context. However, the economical conditions, which shape systems development in practice, are hardly researched. In this paper we are investigating the question how a given price structure influences systems development projects. Our analysis is based on a multi case study and a Grounded Theory inspired research approach. Our work is informed by economic theories, which deal with the relationship of suppliers and customers and their mutual dependency. We thus apply principal-agent theory and economic game theory in form of the prisoner’s dilemma. As a result we provide three interlinked models for understanding the impact of pricing structure on systems development practice. The main elements of these models are pricing structure, risk distribution and price level, and opportunistic behavior. We discuss how these elements are interrelated and examine their impact on information systems development in practice.

scholarly journals العلاقة بين التحفظ والتحوط المحاسبي دراسة تطبيقية في عينة من المصارف العراقية

2022 ◽  
Vol 17 (55, 1) ◽  
pp. 18-36
Author(s):  
مصطفى بدر عماش ◽  
علي حسين
Keyword(s):  
Banking Sector ◽  
Stock Exchange ◽  
Market Value ◽  
Accounting Conservatism ◽  
Financial Instruments ◽  
Independent Variable ◽  
High Level ◽  
Value Model ◽  
The Relationship

The research aims to test the relationship between accounting conservatism and hedging in the Iraqi banking sector. The research dealt with a sample of (12) banks listed in the Iraqi Stock Exchange from 2009-2019, with (132) views, and the(unconditional) accounting conservatism was identified. As an independent variable andaccounting hedging as a dependent variable, the (unconditional) accountingconservatism was measured through the market value model to the book, while the accounting hedging was measured as a dummy dust, and the results indicated a statistically significant correlation between accounting conservatism and accounting hedging.  orientation of the study sample towards proactive accounting conservatism according to its unconditional scale leads to a reduction in the adoption of accounting hedging tools in managing the risks of financial instruments. The reason for this may be due to the presence of a high level of accounting conservatism that makes the bank safe sort of a lot of dangers. Which contributes to reducing reliance on accounting hedging tools.However, this relationship turns out to be negative, that is, the increasing

scholarly journals PENGARUH REVIU RKA-K/L OLEH APIP TERHADAP EFISIENSI ALOKASI ANGGARAN KEMENTERIAN AGAMA

2019 ◽  
Vol 1 (1) ◽  
pp. 12
Author(s):  
Edy Effendi ◽  
Muhammad Imron
Keyword(s):  
Linear Regression ◽  
Simple Linear Regression ◽  
Independent Variables ◽  
Dependent Variables ◽  
Before And After ◽  
The Impact ◽  
The Relationship ◽  
Positive Effect

Research on the role of the APIP review of the Ministry/agency Work Plan and Budget document to determine the impact on the efficiency of ministry/agency spending (case study at the Ministry of Religion). The method used in this study uses simple linear regression with dummy. The use of linear regression is used to examine the relationship between independent variables (certain types of expenditure) and dependent variables (total expenditure). Whereas, dummy is used to find out before and after the APIP review is done. Throughout the author's search, this research has never been done. Based on the results of linear regression obtained, the APIP review significantly had a positive effect on official travel expenditure and honorarium but did not significantly affect building spending and equipment. Abstrak   Penelitian atas peran reviu APIP atas dokumen Rencana Kerja dan Anggaran Kementerian Negara/Lembaga untuk mengetahui dampaknya terhadap efisiensi belanja kementerian/lembaga (studi kasus pada Kementerian Agama). Metode yang digunakan dalam penelitian ini menggunakan regresi linier sederhana dengan dummy. Penggunaan regresi liner digunakan untuk meneliti hubungan antara variable independen (jenis belanja tertentu) dan variable dependen (total belanja). Sedangkan, dummy digunakan untuk mengetahui sebelum dan setelah reviu APIP dilakukan. Sepanjang penelusuran penulis, penelitian ini belum pernah dilakukan. Berdasarkan hasil regresi linier diperoleh, reviu APIP signifikan berpengaruh positif terhadap  belanja perjalanan dinas dan honorarium tetapi tidak signifikan berbengaruh terhadap belanja gedung dan alat.

Evaluation of congress performance and congress attendees' satisfaction - a case study of Novi Sad (Serbia)

2011 ◽  
Vol 17 (1) ◽  
pp. 67-78
Author(s):  
Vanja Dragićević ◽  
Uglješa Stankov ◽  
Tanja Armenski ◽  
Snežana Štetić
Keyword(s):  
Destination Choice ◽  
International Meeting ◽  
International Industry ◽  
High Level ◽  
Novi Sad ◽  
Destination Management Organizations ◽  
Intention To Return ◽  
The Relationship ◽  
The City

The congress industry is a young, dynamic industry, which is growing and maturing at a rapid rate. It is now a truly international industry, witnessing huge investments across all continents. Due to economic and other benefits of a more intangible nature, the number of congress destinations and venues worldwide is growing. In order to provide the sustainability of congress destinations and venues, it is important to examine congress delegates’ experience, their overall satisfaction as well as behavioural intentions regarding destination. This study was conducted in the city of Novi Sad, which is after Belgrade the most important international meeting destination in Serbia. The purpose of this study is to examine the experience and overall satisfaction of the attendees at international congresses held in Novi Sad. Also, the relationship between overall satisfaction, word-of-mouth and intention to return were examined. A questionnaire survey was used as an instrument for the study. The collected data were analyzed using SPSS standard package. The results showed high level of attendees’ satisfaction with the congress elements and with destination choice. Also, the results confirmed that Novi Sad has a great potential for development of congress tourism, as the majority of the respondents show great interest to visit Novi Sad again and they would recommend city as a meeting destination. The results of this study are valuable for congress centre managers and for destination management organizations.

How to Use Information Technology Effectively to Achieve Business Objectives

2012 ◽  
pp. 19-35
Author(s):  
Antonio Goncalves ◽  
Natália Serra ◽  
José Serra ◽  
Pedro Sousa
Keyword(s):  
Information Technology ◽  
Software Development ◽  
Enterprise Architecture ◽  
Planning Strategy ◽  
The Business Cycle ◽  
High Level ◽  
Architecture Development ◽  
The Relationship ◽  
Dynamic Alignment

In this chapter the authors show, by using a case study, how it is possible to achieve the alignment between business and Information Technology (IT). It describes several phases of project development, from planning strategy, enterprise architecture, development of businesses supporting tools and keeping dynamic alignment between the business and the IT. The authors propose a framework, framed under an enterprise architecture that guarantees a high level of response to the applications development or configuration as improves its alignment to business by solving some limitations of traditional software development solutions namely: difficulty in gathering clients requirements, which should be supported by the applications; difficulty to connect the organisation processes used to answer the client, which must also be integrated in the applications and the difficulty to develop the applications that can follow the business cycle. To test the approach, this was applied to a real case study consisting in the configuration of an application that manages the relationship with the clients.

China's Streets Lighting Environment Impact Factors Analysis

2013 ◽  
Vol 409-410 ◽  
pp. 1036-1039
Author(s):  
Xiao Ming Su ◽  
Ming Yu Zhang ◽  
Zhan Guo Hao
Keyword(s):  
Surface Brightness ◽  
Impact Factors ◽  
Environment Impact ◽  
Street Lighting ◽  
Surface Conditions ◽  
Factors Analysis ◽  
Lighting Environment ◽  
High Level ◽  
The Relationship

This paper proposed a new method of describing street glare. Glare is a typical light environment, it is affected by streetlights and street surface conditions. It impact on street safety. This paper based on survey of Tianjin, Changsha, Zhengzhou street area, included optical lights types, height of light bulbs, distance between tow lights, street surface brightness, illumination and other factors examination and record. Survey date had been used to set 36 street lighting simulated models and compare with the calculation. The output for the analysis is a series of maps reflecting the relationship between street glare environment and its factors. The case study proved that street lighting environment is closely associated with streetlights bulbs brightness and its installation site. The results show that high level of light brightness will lead to high level of glare and higher light bulbs will increase glare.

scholarly journals Analysis of the Relationship between Credit Risk and Bank Performance of Some Commercial Banks in Ghana

2020 ◽  
Vol 8 (2) ◽  
pp. 34-51
Author(s):  
Joseph Acquah ◽  
Yusif Arthur ◽  
Damianus Kofi Owusu
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Research Approach ◽  
Independent Entity ◽  
The Relationship

This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.

scholarly journals Effects of Malnutrition on the Academic Performance: A Case Study of Grade 6-8 Learners in Punjab, Pakistan

2019 ◽  
Vol 5 (4) ◽  
Author(s):  
Muhammad Shabbir ◽  
Qamar-uz-Zaman ◽  
Muhammad Atif
Keyword(s):  
Academic Performance ◽  
Low Income ◽  
Rural Areas ◽  
Quantitative Research ◽  
Research Approach ◽  
Attendance Rate ◽  
Learning Capacity ◽  
Awareness Programs ◽  
Is Design

The present research is design to assess the “effects of malnutrition on the academic performance of grade 6-8 learners in rural areas of Tehsil Hafizabad”. Quantitative research approach was used to achieve the objectives of the study. Quantitative data was gathered by using Scheduled Interview from the sample of 150 learners of the three selected schools. Data was analyzed through statistical package for social sciences (SPSS). The outcomes of the study revealed that the malnutrition, particularly the use of low quality foods significantly lowers the academic performance in terms of lowering the understanding level of the learners and attainments; it reduces the attendance rate ultimately. It was observed that the less participation in physical activities, low income of the household and crowded demographic conditions reduced the learning capacity of the students. Some useful suggestions were also made, strictly ban on low quality food, awareness programs should be launched for public, and more studies must be conducted to highlight and overcome the issue.

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