scholarly journals THE PERCEPTION ON THE CONTRIBUTION OF ISLAMIC BANKS AND ISLAMIC WINDOWS TOWARDS THE GROWTH OF NIGERIAN ECONOMY

2019 ◽  
Vol 5 (3) ◽  
pp. 603-622
Author(s):  
Jibril Musa Talba ◽  
Mohammed Lawal Ibrahim ◽  
Umar Babagana Imam
Keyword(s):  
Positive Impact ◽  
Public Awareness ◽  
Legal Framework ◽  
Business Environment ◽  
Islamic Banks ◽  
Independent Variable ◽  
Bank Employees ◽  
Level Of Significance ◽  
And Training ◽  
Study Hypothesis

This study was to assess the perception on the contribution of Islamic banks and Islamic windows towards the growth of the Nigerian economy. To document this, data were obtained through the use of structured questionnaires. 379 copies of questionnaires were administered based on the sample size obtained via the use of Taro Yamane formula. 367 questionnaires were successfully retrieved. Variables such as deposit activities, loan activities and perception of bank employees were also adopted as explanatory or independent variable and dependent variable respectively. To support the study hypothesis were also formulated. For the analysis, measures of central tendency (tables, frequency and percentages) and inferential statistics (Logit Regression) were used. The result revealed that the variables (i.e. deposit and loan activities) have a positive impact on the growth of Nigeria’s economy because the probability values of the variables (P=0.003 and 0.019) were less than alpha (α =0.05) level of significance. In other words, this implies that Islamic banks and windows have largely supported private consumption, business investments of its customers, aid government spending via sukuk to fund developmental projects of its customers. The study concludes that Islamic banks and windows have contributed towards the growth of the Nigeria’s economy. Furthermore, the study recommends that there is need for creating the necessary legal framework to ensure its smooth operations, intensify efforts on creating public awareness, rolling out more shariah compliant products that can take care of the peculiarities that exist in business environment and training and retraining of staff on effective Islamic banking.

scholarly journals THE IMPACT OF HALAL AT THAYYIB AND CONSUMPTION ETHICS IMPACT ON ECONOMIC GROWTH: AN ECONOMIC TAFSIR AL-BAQARAH:168

2019 ◽  
Vol 5 (2) ◽  
Author(s):  
Taqiyah D. Insani ◽  
Abdul W. Al-Faizin ◽  
Muhammad N. H. Ryandono
Keyword(s):  
Positive Impact ◽  
Public Awareness ◽  
Legal Framework ◽  
Islamic Banks ◽  
Logit Regression ◽  
Independent Variable ◽  
Level Of Significance ◽  
The Impact ◽  
And Training ◽  
Study Hypothesis

This study investigates the contribution of Islamic banks and Islamic windows to thegrowth of the Nigerian economy. Data were obtained using structured questionnaires.379 copies of questionnaires were administered based on the sample size obtainedvia the use of Taro Yamane formula. 367 questionnaires were successfully retrieved.Variables such as deposit activities, loan activities, and perception of bank employeeswere also adopted as explanatory or independent variable and dependent variablerespectively. To support the study hypothesis were also formulated. For the analysis,measures of central tendency (tables, frequency and percentages) and inferentialstatistics (Logit Regression) were used. The result revealed that the variables (i.e.deposit and loan activities) have a positive impact on the growth of Nigeria’s economybecause the probability values of the variables (P=0.003 and 0.019) were less thanalpha (α =0.05) level of significance. In other words, this implies that Islamic banksand windows have largely supported private consumption, business investments of itscustomers, aid government spending via sharia bonds (sukuk) to fund developmentalprojects of its customers. The study concludes that Islamic banks and windows havecontributed towards the growth of the Nigeria’s economy. Furthermore, the studyrecommends that there is need for creating the necessary legal framework to ensureits smooth operations, intensify efforts on creating public awareness, rolling out moresharia compliant products that can take care of the peculiarities that exist in businessenvironment and training and retraining of staff on effective Islamic banking.

scholarly journals The effects of entrepreneurial intention on business performance

2014 ◽  
Vol 3 (4) ◽  
pp. 210-222 ◽  
Author(s):  
Simon Radipere ◽  
Watson Ladzani
Keyword(s):  
South Africa ◽  
Regression Model ◽  
Business Performance ◽  
Positive Impact ◽  
Entrepreneurial Intention ◽  
Business Environment ◽  
Gauteng Province ◽  
Level Of Significance ◽  
Medium Enterprises ◽  
The Relationship

The study examined the relationship between entrepreneurial intention and business performance using 500 small, micro and medium enterprises (SMMEs) in Gauteng province, South Africa. A questionnaire was used to collect data. The findings from the survey were modelled through a categorical regression model with business performance as a dependent variable. The level of significance of eight out of twelve variables suggests that entrepreneurial intention be classified as the strongest predictor of business performance. These findings, depicting the magnitude of the business environment in the study area, clearly confirm the positive impact of entrepreneurial intention on business performance.

scholarly journals Doprinos vjerskog odgoja cjelovitom razvoju djece rane i predškolske dobi

2018 ◽  
Vol 12 (1) ◽  
pp. 59
Author(s):  
Marijana Mohorić
Keyword(s):  
Religious Education ◽  
Quantitative Data ◽  
Public Awareness ◽  
Education And Training ◽  
Legal Framework ◽  
Educational Activity ◽  
Comprehensive Education ◽  
The Republic ◽  
And Training ◽  
Relevant Factors

The paper affirms the need for comprehensive education and training in the segment of early and pre-school education in the Republic of Croatia, and particularly points to the need for the contribution of religious education. The possibilities of implementing a religious program are considered, given the legal framework and available quantitative data. In particular, the basic foundations of the Catholic Church's educational activity and the religious-pedagogical concept on which the educational curricula of religious education are based, whose contribution is not justified solely by legal bases, but also by scientific circles. For the sake of the better contribution, they stand out at the end the three challenges. They relate to the formation of educators in the faith, public awareness and the strengthening of educational cooperation between all relevant factors.

Corporate Social Responsibility: Understanding the Legal Framework and Philanthropic Indian Companies

2015 ◽  
Vol 1 (2) ◽  
pp. 32
Author(s):  
Farhina Sardar Khan ◽  
Syed Shahid Mazhar
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Positive Impact ◽  
Secondary Data ◽  
Fundamental Principle ◽  
Legal Framework ◽  
Business Environment ◽  
Wide Range ◽  
External Management ◽  
Corporate Social

Business and conglomerates have never been an isolated entity as the entrepreneurs or the businessmen have always maintained a consistency in the internal and external management and also properly follow-up the movement that use to take place in the external business environment such as consumers, communities, stakeholders, shareholders, and by-laws. Gradually, with the passage of time in last three decades the changes that took place in the Indian cultural norms of corporations had brought forward the concept of corporate social responsibility (CSR) referring to bring about overall positive impact of corporations on the communities, societies, and environments in which they operate. The term CSR became popular in the 1960s and narrowly construed. It had remained a term used indiscriminately by many to cover legal and moral responsibility but in the present scenario, it has been used in a broader way. CSR promotes a vision of business accountability to a wide range of stakeholders, besides shareholders and investors. Key areas of concern are environmental protection and the wellbeing of employees, the community, civil society in general, customers, employees, investors, suppliers, and activist organizations both now and in the future. This article is exclusively based on secondary data and presents an in-depth conceptual framework of the CSR, major provisions and guidelines encrypted by the Ministry of Corporate Affairs, Government of India. Further, the fundamental principle, core elements and its role in nation development are discussed briefl y for the better understanding of the reader.

Service, People and Customer Orientation: A Capability View to CRM and Sustainable Competitive Advantage

2018 ◽  
Vol 22 (2) ◽  
pp. 163-173 ◽  
Author(s):  
Suhail Ahmad Bhat ◽  
Mushtaq Ahmad Darzi
Keyword(s):  
Competitive Advantage ◽  
Structural Equation ◽  
Banking Sector ◽  
Customer Orientation ◽  
Positive Impact ◽  
Business Environment ◽  
Sustainable Competitive Advantage ◽  
Sustainable Advantage ◽  
Service Capability ◽  
Bank Employees

In today’s highly competitive business environment enterprises are continuously striving to achieve a sustainable advantage. This sustainable advantage can be accomplished only when the enterprise is realizes a value-creating strategy, simultaneously not being implemented by any current or potential competitor(s) and when other firms are unable to replicate the benefits of this strategy. A very little literature is available that investigates the relationship among customer relationship management (CRM) capability variables and sustainable competitive advantage (SCA). In this backdrop, the article tries to analyse the role of CRM capability towards the goal of SCA. It identifies three CRM capability factors, that is, service capability, personnel capability and customer orientation and examines their effect on SCA. Structural equation modelling (SEM) has been used on a sample of 204 respondents who were selected randomly from the population of bank employees. The data have been collected from the bank employees through a structured questionnaire. The findings of the study reveal that CRM capability (having three domains—service capability, personnel capability and customer orientation) has a significantly positive impact on the SCA. This article contributes to the theory by examining CRM capability variables and tries to determine their impact on SCA in the banking sector, as CRM is now becoming strategically crucial in the banking industry.

scholarly journals The Impact of Leadership, Motivation, Discipline, and Wages on The Performance of Sharia Bank Employees

2021 ◽  
Vol 12 (1) ◽  
pp. 141-174
Author(s):  
Heni Noviarita ◽  
Roslee Bin Ahmad ◽  
Idzam Fautau
Keyword(s):  
Human Resources ◽  
Market Share ◽  
Employee Performance ◽  
The Other ◽  
Islamic Banks ◽  
Independent Variables ◽  
Leadership Motivation ◽  
Independent Variable ◽  
Bank Employees ◽  
The Impact

Abstract:  The development of Islamic Banks increased rapidly. Based on assets, profitability, market share, and others. They were followed by internal management, such as an expansion of the facilities and services. On the other hand, considering Islamic Banks’ human resources is very important in realizing the vision and mission. As a result, they must be improving the worker's performance on the goals. This research used a quantitative approach with the independent variable are leadership, working discipline, motivation, and wages. The dependent variable used in this research is employee performance. The result showed that leadership, working discipline, motivation, and wages significantly affect the employee enterprise. It can be seen from the magnitude of t count of 45.804 t table of 2.51 with a significance (sig) of 0.000 0.05. Simultaneously critical in the leadership thorough giving higher wage and the reward encouraged workers’ motivation, discipline to increase workers’ performance. As a result, those variables can improve employee performance to achieve a manner together in Bank BRI Syariah Tugumulyo Branch, Bandar Lampung, South Sumatra. The conclusion stated that the independent variables affected the workers' enterprise. Therefore, as a result, these models are very suitable for improving banks’ workers to achieve their goals.Abstrak: Perkembangan Bank Syariah meningkat pesat. Berdasarkan aset, profitabilitas, pangsa pasar, dan lain-lain. Disusul dengan manajemen internal, seperti perluasan fasilitas dan layanan. Di sisi lain, mengingat sumber daya manusia Bank Syariah sangat penting dalam mewujudkan visi dan misi. Akibatnya, mereka harus meningkatkan kinerja pekerja pada tujuan. Penelitian ini menggunakan pendekatan kuantitatif dengan variabel bebas yaitu kepemimpinan, disiplin kerja, motivasi, dan upah. Variabel terikat yang digunakan dalam penelitian ini adalah kinerja karyawan. Hasil penelitian menunjukkan bahwa kepemimpinan, disiplin kerja, motivasi, dan upah berpengaruh signifikan terhadap karyawan perusahaan. Hal ini terlihat dari besarnya t hitung sebesar 45,804 t tabel sebesar 2,51 dengan signifikansi (sig) sebesar 0,000 0,05. Sekaligus kritis dalam kepemimpinan menyeluruh memberikan upah yang lebih tinggi dan penghargaan mendorong motivasi pekerja, disiplin untuk meningkatkan kinerja pekerja. Sehingga variabel-variabel tersebut dapat meningkatkan kinerja pegawai untuk berprestasi secara bersama-sama di Bank BRI Syariah Cabang Tugumulyo, Bandar Lampung, Sumatera Selatan. Kesimpulannya menyatakan bahwa variabel independen berpengaruh terhadap perusahaan pekerja. Oleh karena itu, sebagai hasilnya, model ini sangat cocok untuk meningkatkan pekerja bank untuk mencapai tujuan mereka. 

scholarly journals The effects of start-up factor (self-efficacy) on business performance

2014 ◽  
Vol 12 (1) ◽  
pp. 671-682
Author(s):  
Simon Radipere
Keyword(s):  
South Africa ◽  
Regression Model ◽  
Self Efficacy ◽  
Business Performance ◽  
Positive Impact ◽  
Business Environment ◽  
Gauteng Province ◽  
Categorical Regression ◽  
Start Up ◽  
Level Of Significance

The study examined relationship between self-efficacy and business performance using 500 SMMEs in Gauteng province, South Africa. Questionnaire was used to collect data from 500 SMMEs owners. The findings from the survey were modelled through a categorical regression model with business performance as dependent variable. The level of significance of the fourteen variables out of eighteen variables suggests that self-efficacy be classified as the strongest predictor of business performance. These findings, depicting the magnitude of the business environment in the study area, clearly confirm the positive impact of self-efficacy on business performance

scholarly journals The effects of motivation as a start-up factor on business performance

2015 ◽  
Vol 5 (1) ◽  
pp. 52-60
Author(s):  
Simon Radipere
Keyword(s):  
South Africa ◽  
Regression Model ◽  
Business Performance ◽  
Positive Impact ◽  
Business Environment ◽  
Gauteng Province ◽  
Entrepreneurial Motivation ◽  
Start Up ◽  
Level Of Significance ◽  
The Relationship

The study examined the relationship between entrepreneurial motivation and business performance using 500 SMEs in Gauteng province, South Africa. A questionnaire was used to collect data from 500 SME owners. The findings from the survey were modelled through a categorical regression model with business performance as the dependent variable. The level of significance of eight variables out of the twelve variables suggests that motivation be classified as the strongest predictor of business performance. These findings, depicting the magnitude of the business environment in the study area, clearly confirm the positive impact of motivation on business performance.

TEACHING READING BY UTILIZING HOT POTATOES SOFTWARE TOWARD STUDENTS’ READING COMPREHENSION OF DESCRIPTIVE TEXT

2018 ◽  
Vol 5 (1) ◽  
pp. 26
Author(s):  
Abdullah Farih
Keyword(s):  
Reading Comprehension ◽  
Alternative Hypothesis ◽  
T Test ◽  
Control Group ◽  
Teaching Reading ◽  
Post Test ◽  
Quasi Experimental ◽  
Independent Variable ◽  
Level Of Significance ◽  
And Control

The objective of this study is to measure whether there is or not significant effect of teaching reading by utilizing Hot Potatoes software toward students’ reading comprehension of descriptive text. The variables used were the teaching treatment of Hot Potatoes Software as the independent variable and the students’ reading comprehension of Descriptive Text as dependent variable. Then, the research designed was Quasi-experimental design and the presentation of data used was quantitative. The data were obtained from the eleventh grade, of which 28 students were taken as sample. The students are divided into two groups; experiment group consisted of 12 students and control group consists of 16 students. To get the data, the pre-test and post-test were applied and then analyzed using t-test formula. The researcher had concluded that there is Significant effect of Hot Potatoes Software toward the students’ reading comprehension achievement. The result showed that mean of students’ post-test was increased. It is proved by the t-test (8.54) which is higher than t-table (2.05) at level of significance 5%. It means that the alternative hypothesis was accepted and it proved that Hot Potatoes Software had significant effect toward students’ reading comprehension of Descriptive Text

PROSPECTS FOR THE DEVELOPMENT OF THE LEGAL MECHANISM FOR THE FUNCTIONING OF PAYMENT SYSTEMS

2020 ◽  
Vol 13 (3) ◽  
pp. 079-084
Author(s):  
ELIZAVETA SALINA ◽  
Keyword(s):  
Legal Framework ◽  
Legal Regulation ◽  
Payment System ◽  
State University ◽  
Payment Systems ◽  
Proper Functioning ◽  
Money Transfer ◽  
Level Of Significance ◽  
Transfer Services ◽  
Legal Mechanism

1 Lomonosov Moscow State University, Moscow, Russia The presented research reveals an approach to the construction of a legal mechanism for the functioning of payment systems. The proposed approach is based on the application of the principles of legal regulation. The purpose of a work is to determine the existing legal mechanism for the functioning of payment systems, identify its drawbacks and propose a new approach to legal regulation to ensure the proper functioning of payment systems. The proposed approach to legal regulation takes into account the specifics of the functioning of payment systems, which consists in the presence of three elements in its activities: institutional, procedural and organizational. These elements reflect the subject structure of the payment system, the process of providing money transfer services by them, and the ways in which payment system entities interact during providing payment services. Each of the elements must be defined within the legal framework of the payment system to ensure its proper functioning. The proposed principles of legal regulation take into account the features of these elements, in particular, the principles are classified into three groups, depending on the element they affect. The paper describes ways to implement the principles in the legal mechanism: the possibility of their direct application, depending on the type of significance of the payment system, is analyzed. It is also concluded that the implementation of the principles in the legal mechanism will reduce the regulatory burden on payment systems by using an approach depending on the level of significance of the payment system. The paper defines the role of the principles, which is that the principles allow to eliminate the legal gaps in the legislation on the national payment system, and prevent the emergence of new gaps.

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