scholarly journals The Role of E-Banking on the Switching Behaviour of Retail Clients of Commercial Banks in Polokwane, South Africa

2017 ◽  
Vol 9 (3) ◽  
pp. 192
Author(s):  
Reginald Masocha ◽  
Tafadzwa Matiza
Keyword(s):  
South Africa ◽  
Interest Rates ◽  
Sampling Technique ◽  
Bank Account ◽  
Banking Services ◽  
Switching Behaviour ◽  
Low Interest Rates ◽  
Convenience Sampling ◽  
Physical Branch

This study focused on investigating the role of E-banking on the switching behaviour of retail bank clients in Polokwane, South Africa. Recently, studies have shown that people are switching banks more often than in the past. Circumstances that are beyond control cause people to switch. This has become a challenge in the banking industry as many banks lose their clients. However, newly developed technologies have brought many changes in the operation of banks. The new E-banking services have enabled bank clients to have access to their bank account for 24 hours without visiting the physical branch. A sample of 98 respondents was surveyed in Polokwane, South Africa using the convenience sampling technique. The cronbach alpha test was used to ascertain reliability of the findings. The findings reveal that demographic characteristics have much impact on the switching behaviour of commercial bank clients and acceptance of e-banking services. Switching factors such as bank charges, low interest rates on savings, promotion activities, location and switching costs were the major reasons for bank customers to switch banks.

scholarly journals The Role of E-Banking on the Switching Behaviour of Retail Clients of Commercial Banks in Polokwane, South Africa

2017 ◽  
Vol 9 (3(J)) ◽  
pp. 192-201
Author(s):  
Reginald Masocha ◽  
Tafadzwa Matiza
Keyword(s):  
South Africa ◽  
Interest Rates ◽  
Sampling Technique ◽  
Bank Account ◽  
Banking Services ◽  
Switching Behaviour ◽  
Low Interest Rates ◽  
Convenience Sampling ◽  
Physical Branch

This study focused on investigating the role of E-banking on the switching behaviour of retail bank clients in Polokwane, South Africa. Recently, studies have shown that people are switching banks more often than in the past. Circumstances that are beyond control cause people to switch. This has become a challenge in the banking industry as many banks lose their clients. However, newly developed technologies have brought many changes in the operation of banks. The new E-banking services have enabled bank clients to have access to their bank account for 24 hours without visiting the physical branch. A sample of 98 respondents was surveyed in Polokwane, South Africa using the convenience sampling technique. The cronbach alpha test was used to ascertain reliability of the findings. The findings reveal that demographic characteristics have much impact on the switching behaviour of commercial bank clients and acceptance of e-banking services. Switching factors such as bank charges, low interest rates on savings, promotion activities, location and switching costs were the major reasons for bank customers to switch banks.

Investment in South Africa

2021 ◽  
pp. 912-934
Author(s):  
Ciaran Driver ◽  
Laurence Harris
Keyword(s):  
South Africa ◽  
Interest Rates ◽  
Social Transformation ◽  
Empirical Literature ◽  
Private Business ◽  
Business Investment ◽  
Industrial Policies ◽  
Evidential Support ◽  
Fixed Capital Formation ◽  
Low Interest Rates

Abstract: Since the achievement of democracy, high levels of gross fixed capital formation have been required for the economic and social transformation of South Africa. Public-sector investment has risen, particularly since 2008, but private-business investment has not grown enough, while manufacturing’s share of the capital stock has declined substantially. Common explanations for low investment in manufacturing are examined in the light of empirical literature and are judged to have inadequate evidential support. Industrial policies derived from these views, such as maintaining low interest rates to promote investment, need to be based on stronger evidence. An argument is put forward for a system-based approach to research on the determinants of investment.

scholarly journals Analisis Peran Negara Di Bidang Ekonomi Dalam Prespektif Sistem Kapitalisme, Sosialisme, Dan Ekonomi Islam

2016 ◽  
Vol 1 (1) ◽  
Author(s):  
Muhammad Kambali
Keyword(s):  
Interest Rates ◽  
Conceptual Framework ◽  
Economic System ◽  
Economic Crisis ◽  
The State ◽  
Planning System ◽  
Role Of The State ◽  
The World ◽  
Low Interest Rates

The economic crisis that convolved the world economy a few years ago is the result of a series of government policies in the economic field. Starting from the Subprime Mortgage in America, the crisis eventually spreads across all sectors of the economy. As analysts say that the explosion of the current economic crisis is caused by the trend of low interest rates that are applied by the Fed. The trend of low interest rates will give rise to expectation of market to future economic situation. It is characterized by the overflow of capital expansion in all sectors, especially in property sector. Today, along with the growing mobility of capital from one country to another as part of unavoidable economic liberalization, mobility of capital, on the one hand, has spawned some of the imbalances in the life of a State. The powerlessness can not be separated from economic ideology and system on state role in the economy. Capitalism with its laissez faire brings the concept of state minimal role in the economy. In the empirical facts, it is broken by the crisis situation in 1930 and today's financial crisis. Socialism tends to carry the central role of the State in the economy through the centralistic planning system. The fall of the Soviet Union in the 1980s brought the world to a choice whether reconstructing capitalism or socialism as Fukuyama and Gidden said. On the other hand, as the new system, the economic system of Islam brings the concept of the role of the State in the economy on the basis of universal values of Islam, such as justice in the economy which is reflected in the mechanism of the prohibition of riba (usury), just income distribution and redistribution of income through zakat and social security. This article is an exposure of the State's role in the economy which is studied through the perspective of today’s economic system. The systems are capitalism, socialism, and Islam. The article not only explores conceptual framework, but also also contains an empirical framework mapping and how the conceptual framework is operated. At the end, from the two mapping (conceptual and empirical), author draws a reflection of how the State should play a role in the economic field. Keywords: Capitalism, Socialism, Islam, Economic Role of State

scholarly journals Pengaruh Kualitas Layanan dan Keadilan Terhadap Kepatuhan Wajib Pajak Dengan Kepuasan Sebagai Variabel Mediasi

2020 ◽  
Vol 10 (2) ◽  
pp. 149-158
Author(s):  
Eka Febriani ◽  
Norra Isnasia Rahayu
Keyword(s):  
Service Quality ◽  
Tax Compliance ◽  
Sampling Technique ◽  
Primary Data ◽  
Probability Method ◽  
Significant Positive Effect ◽  
Mediating Role ◽  
Convenience Sampling ◽  
Positive Effect

This study aims to examine the effect of service quality and fairness on taxpayer compliance and the mediating role of satisfaction in the effect of service quality and fairness on taxpayer compliance. The population of this research is individual local taxpayers in Samarinda. The sample of this study is 164 respondents selected using non probability method with convenience sampling technique. This study uses primary data obtained from seven-scale Likert questionnaires. The data were analyzed using path analysis in SPSS. The results of this study show that, first, service quality has a significant positive effect on satisfaction and taxpayer compliance; second, fairness has an insignificant effect on satisfaction and taxpayer compliance; third, satisfaction has a significant positive effect on taxpayer compliance; fourth, service quality has a significant positive effect on taxpayer compliance mediated by satisfaction; fifth, mediated by satisfaction, fairness has no significant effect on tax compliance.

scholarly journals Regulasi diri sebagai mediator interaksi mindfulness dan prokrastinasi akademik

2021 ◽  
Vol 10 (1) ◽  
pp. 48-62
Author(s):  
Shofa Dzakiah ◽  
Pratiwi Widyasari
Keyword(s):  
College Students ◽  
Short Form ◽  
Self Regulation ◽  
Sampling Technique ◽  
Academic Procrastination ◽  
Dispositional Mindfulness ◽  
Mediation Analyses ◽  
Convenience Sampling ◽  
Negative Impacts

AbstractAcademic procrastination in college students is a common phenomenon, although procrastination’s negative impacts were well known. This study aimed to examine the role of self-regulation in mediating the correlation between mindfulness and academic procrastination. Data were collected by distributing online questionnaires to college students from various universities in Indonesia (n = 305). The sampling technique used was convenience sampling. Instruments used in the research were the Mindfulness Attention and Awareness Scale, the Short form of Self-regulation Questionnaire, and the Academic Procrastination Scale. The regression and mediation analyses were held. Results showed that self-regulation partially mediated the correlation between mindfulness and academic procrastination. Increasing in dispositional mindfulness helps college students regulate themselves, thereby reducing the tendency to procrastinate. The implications and limitations of the study and suggestions for further research are discussed.Keywords: academic procrastination; college students; mindfulness; self-regulation.AbstrakProkrastinasi akademik pada mahasiswa merupakan fenomena yang umum terjadi, meskipun dampak negatif prokrastinasi telah banyak diketahui. Penelitian ini bertujuan menguji peran regulasi diri dalam memediasi hubungan antara mindfulness dan prokrastinasi akademik. Pengambilan data dilakukan melalui penyebaran kuesioner secara daring kepada mahasiswa di berbagai perguruan tinggi di Indonesia (n=305). Teknik sampling yang digunakan adalah convenience sampling. Penelitian ini menggunakan alat ukur Mindfulness Attention and Awareness Scale, Short Self-Regulation Questionnaire, dan Academic Procrastination Scale. Hasil uji regresi dan uji mediasi menunjukkan regulasi diri memediasi korelasi antara mindfulness dan prokrastinasi akademik secara parsial. Peningkatan kondisi kesadaran pada mindfulness membantu mahasiswa meregulasi dirinya, sehingga mengurangi kecenderungan untuk melakukan prokrastinasi akademik. Implikasi dan keterbatasan penelitian serta saran untuk penelitian selanjutnya didiskusikan.Kata kunci: mahasiswa; mindfulness; prokrastinasi akademik; regulasi diri.

scholarly journals Dominasi Paradigma Pengelolaan Atur dan Awasi dalam SVLK: Evaluasi Laporan Implementasi Pengelolaan Dan Pemantauan Lingkungan Hidup pada Industri Furnitur di Jepara

2016 ◽  
Vol 14 (2) ◽  
pp. 108
Author(s):  
Helmi Ferdian ◽  
Purwanto Purwanto ◽  
Haryo Santoso
Keyword(s):  
Policy Implementation ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
Survey Method ◽  
Direct Impact ◽  
Furniture Industry ◽  
Review Management ◽  
Survey Results ◽  
Convenience Sampling

ABSTRAKParadigma pengelolaan hidup Atur dan Awasi (ADA) merupakan sistem pengelolaan hidup yang banyak diberlakukan di negara-negara berkembang termasuk Indonesia. Implementasi sistem  ADA tersebut sangat dominan dalam pelaksanaan SVLK. Sebagai salah satu pusat industri furnitur, Kabupaten Jepara menjadi daerah yang merasakan dampak langsung dari penerapan kebijakan SVLK. Penelitian ini bertujuan untuk mengevaluasi peranan SVLK dalam “menuntun” industri furniture di Jepara untuk melakukan pengelolaan lingkungan seperti dalam UKL UPL/DPLH yang telah dimilikinya. Penelitian dilakukan dengan metode survei melalui pendekatan analisis deskriptif. Sampel penelitian sebanyak 37 perusahaan yang diperoleh dengan menggunakan teknik convenience sampling atau sering juga disebut teknik Insidental. Tahapan penelitian meliputi wawancara dan penyebaran kuisioner serta review laporan pengelolaan dan pemantauan lingkungan untuk dikaji dan dievaluasi. Hasil penelitian diketahui bahwa paradigma ADA yang mengendalikan SVLK belum mampu berperan maksimal dalam mempengaruhi industri furnitur untuk mengeimplementasikan UKL UPL-nyaKata kunci: ADA, SVLK,UKL UPL, industri furnitur.  ABSTRACTParadigm life management Organize and Supervise (ADA) is a management system that is a lot of life imposed on developing countries including Indonesia. Implementation of the ADA system is very dominant in the implementation of the SVLK. As a center for the furniture industry, Jepara district into areas that feel the direct impact of policy implementation SVLK. This study aimed to evaluate the role of SVLK in the "lead" in Jepara furniture industry for management of environment as the UKL UPL / DPLH he had. Research conducted by survey method through descriptive analysis approach. Samples are 37 companies that obtained by using a convenience sampling technique sometimes called Incidental techniques. Stages of research includes interviews and questionnaires and review management reports and environmental monitoring to be studied and evaluated. The survey results revealed that the controlling paradigm ADA SVLK has not been able to contribute the maximum in affecting the furniture industry for its mengeimplementasikan UKL-UPLKeywords:  ADA, SVLK, UKL UPL, the furniture industry.Cara sitasi: Ferdian, H., Purwanto, dan Santoso,H. (2016). Dominasi Paradigma Pengelolaan Atur dan Awasi dalam SLVK: Evaluasi Laporan Implementasi Pengelolaan dan Pemantauan Lingkungan Hidup pada Industri Furnitur di Jepara. Jurnal Ilmu Lingkungan,14(2),108-114, doi:10.14710/jil.14.2.108-114 

scholarly journals The perceived role of ward-based primary healthcare outreach teams in rural KwaZulu-Natal, South Africa

2017 ◽  
Vol 9 (1) ◽  
Author(s):  
Landiwe S. Khuzwayo ◽  
Mosa Moshabela
Keyword(s):  
South Africa ◽  
Primary Healthcare ◽  
Sampling Technique ◽  
Limited Information ◽  
Chronic Patients ◽  
Group Discussions ◽  
Healthcare Facilities ◽  
User Perceptions ◽  
Kwazulu Natal

Background: The aim of ward-based outreach teams (WBOTs) is to improve access to primary healthcare (PHC) services including health promotion and disease prevention in South Africa. Limited information is available in South Africa on user perceptions of services provided by WBOTs in rural households.Aim: The study aimed to explore community awareness and perception of WBOTs, as well people’s motivation to engage and use WBOT services.Setting: The study was conducted between July and September 2015 in iLembe district, KwaZulu-Natal.Methods: This was exploratory-descriptive qualitative research. Purposive sampling technique was used in this study. A total of 16 key informant interviews and 4 focus group discussions were conducted. The voice recordings were transcribed in isiZulu and translated into English.Results: Four themes emerged from the data analysis, namely bringing services closer, organising services, expanding services and forming bridges. Respondents demonstrated insightful knowledge and understanding of services provided by WBOTs. They expressed an appreciation of the way WBOT services brought healthcare closer to people and serve to bridge the gap between the community and local healthcare facilities. Respondents identified unclear WBOT work schedules and the failure to carry medication other than vitamin A as the main challenges. However, WBOTs did deliver medication for controlled chronic patients in their households.Conclusion: The study suggests that WBOTs provide a commendable service, but need to expand their service package to further increase access to PHC services and cater for community health needs.

scholarly journals Gendered Social Capital Guiding Women Career Planning: A Quantitative study at University of the Punjab

2021 ◽  
Vol 3 (1) ◽  
Author(s):  
Tayyaba Sohail ◽  
Inam-ul-Haq ◽  
Raja Muhammad Shoaib
Keyword(s):  
Social Capital ◽  
Career Planning ◽  
Sampling Technique ◽  
Vital Role ◽  
Primary Objective ◽  
The Social ◽  
Trust And Reciprocity ◽  
Convenience Sampling ◽  
The University

Social capital is manifested through the relationships and networks that the human species own. Further, it is strengthened with trust and reciprocity. It inculcates the value of helping each other based on the principle of ‘Mutually Beneficial Actions’. Various actors and agents play their roles in producing the social capital, yet women play the most vital role in its production due to their domestic chores, more frequent engagement with family and neighborhood. Thus, it is an essential to know that if she takes an equivalent benefit from the social capital. The primary objective of the present research determines out the role of social capital in women’s career planning. The informal social networks, family, friends, and neighborhood are selected to the social capital. In the meantime, 150 female respondents from the University of the Punjab were selected using the non-probability convenience sampling technique from the final year of the Masters and Bachelors program. The findings of the study showed as the positive relation of social capital with career planning.

scholarly journals THE ROLE OF SOCIAL COMMERCE CONSTRUCTS, SOCIAL SUPPORT, AND TRUST IN COMMUNITY ON SOCIAL COMMERCE ACTIVITIES

2018 ◽  
Vol 1 (2) ◽  
pp. 74-83
Author(s):  
Amir Hidayatulloh
Keyword(s):  
Social Support ◽  
Social Media ◽  
Emotional Support ◽  
Sampling Technique ◽  
Information Support ◽  
Social Commerce ◽  
The Social ◽  
Convenience Sampling ◽  
The Individual

This study  aims  to  analyze  social  commerce  constructs, social  support,  and  individual  trust in the  community   in   social   commerce   activities.   Social   support   includes   emotional   support  and informational  support.  The population  was  social  media  users, while  the  samples were  social media users who had made purchase at least two transactions through social media. The sampling technique was convenience sampling. Totally, 162 respondents were involved. Hypothesis testing was  done using  Warp PLS. This study  reveals that individual  trust in  the community  can be built directly  through  the social  commerce  constructs. These  constructs affects both  emotional  support and information support, in which they will ultimately affect the individual trust in the community. Furthermore,  social  commerce  intention  is influenced  by  individual  trust in  the community  and emotional  support.  However,  information  support does not  affect  the social commerce  intention.

Analisis Peran Negara Di Bidang Ekonomi Dalam Prespektif Sistem Kapitalisme, Sosialisme, Dan Ekonomi Islam

2016 ◽  
Vol 1 (1) ◽  
pp. 16-35
Author(s):  
Muhammad Kambali
Keyword(s):  
Interest Rates ◽  
Conceptual Framework ◽  
Economic System ◽  
Economic Crisis ◽  
The State ◽  
Planning System ◽  
Role Of The State ◽  
The World ◽  
Low Interest Rates

The economic crisis that convolved the world economy a few years ago is the result of a series of government policies in the economic field. Starting from the Subprime Mortgage in America, the crisis eventually spreads across all sectors of the economy. As analysts say that the explosion of the current economic crisis is caused by the trend of low interest rates that are applied by the Fed. The trend of low interest rates will give rise to expectation of market to future economic situation. It is characterized by the overflow of capital expansion in all sectors, especially in property sector. Today, along with the growing mobility of capital from one country to another as part of unavoidable economic liberalization, mobility of capital, on the one hand, has spawned some of the imbalances in the life of a State. The powerlessness can not be separated from economic ideology and system on state role in the economy. Capitalism with its laissez faire brings the concept of state minimal role in the economy. In the empirical facts, it is broken by the crisis situation in 1930 and today's financial crisis. Socialism tends to carry the central role of the State in the economy through the centralistic planning system. The fall of the Soviet Union in the 1980s brought the world to a choice whether reconstructing capitalism or socialism as Fukuyama and Gidden said. On the other hand, as the new system, the economic system of Islam brings the concept of the role of the State in the economy on the basis of universal values ​​of Islam, such as justice in the economy which is reflected in the mechanism of the prohibition of riba (usury), just income distribution and redistribution of income through zakat and social security. This article is an exposure of the State's role in the economy which is studied through the perspective of today’s economic system. The systems are capitalism, socialism, and Islam. The article not only explores conceptual framework, but also also contains an empirical framework mapping and how the conceptual framework is operated. At the end, from the two mapping (conceptual and empirical), author draws a reflection of how the State should play a role in the economic field.

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