scholarly journals DRIVERS OF FUTURE SAVINGS OF MALAYSIAN HOUSEHOLDS

2021 ◽  
Vol 3 (Number 1) ◽  
pp. 1-11
Author(s):  
Nor Hayati Ahmad ◽  
Asish Saha ◽  
Hock Eam Lim ◽  
Muhammad Muhaizam Musa ◽  
Goh Yeok Siew
Keyword(s):  
Correlation Analysis ◽  
Peninsular Malaysia ◽  
Education Level ◽  
Financial Inclusion ◽  
Descriptive Statistics ◽  
Policy Implications ◽  
Demographic Parameters ◽  
Financial Security ◽  
Seemingly Unrelated Regressions ◽  
Physical Assets

The households’ savings in Malaysia have shown a deteriorating trend that negatively impacts their financial security. The Financial Inclusion and Capability Study of BNM (2016) indicates that merely 6 percent of Malaysians could survive for more than six months and 18 percent up to three months if they lose their main source of income. Thus, it is imperative to examine the drivers of future savings of Malaysian households. A sample of 1,106 bank customers in three cities of peninsular Malaysia was recruited, and the descriptive statistics, correlation analysis, and Seemingly Unrelated Regressions (SUR) were employed. The results reveal that about 25 percent of households are not likely to make any changes in their savings profile in various financial and physical assets. The drivers of future saving are found to be socio-demographic parameters, such as age, education level, the number of working members in the household, and income, and other parameters, such as the percentage of income saved, and the period of the saving plan, which have a significant relationship with the change in future savings of the households. The policy implications of the findings are also presented.

scholarly journals Partisipasi pedagang sayur dalam pengelolaan sampah Pasar Tradisional Sanggeng di Kabupaten Manokwari

Cassowary ◽  
2021 ◽  
Vol 4 (1) ◽  
pp. 87-100
Author(s):  
Oktavian Soter ◽  
Soetjipto Moeljono ◽  
Yolanda Holle
Keyword(s):  
Statistical Analysis ◽  
Correlation Analysis ◽  
Waste Management ◽  
Education Level ◽  
Descriptive Statistics ◽  
Survey Method ◽  
Spearman Correlation ◽  
Inferential Statistics ◽  
Depth Interview ◽  
Descriptive Statistical Analysis

The focus of this research is to examine the participation of traders in market waste management to achieve environmental cleanliness. This is intended so that there is involvement of traders to participate responsibly both actively and passively to achieve environmental cleanliness. This study aims to (1) determine the participation of market vegetable traders in waste management, and (2) analyze the factors that influence the participation of vegetable traders in waste management. The research was conducted at Sanggeng Market as a vegetable trading center in Manokwari Regency. The method used in this research is a survey method with in-depth interview techniques and observation of 52 vegetable traders who trade vegetables at the market of Sanggeng in Manokwari Regency. Data were analyzed using descriptive statistical analysis and inferential statistics. Descriptive statistics used are competency tests and inferential statistics used are Spearman correlation analysis. The results of the study concluded, (1) the participation of vegetable traders shows that they are involved in all stages of waste management, namely the stages of collection, separation, transportation, recycling, and utilization, and (2) there is a correlation between age, education level, acceptance and trading experience.

scholarly journals Measuring Values Importance of Saudi Consumers

2016 ◽  
Vol 8 (6) ◽  
pp. 115
Author(s):  
Saeed Badghish
Keyword(s):  
Saudi Arabia ◽  
Regression Analysis ◽  
Quantitative Study ◽  
Hospitality Industry ◽  
Online Survey ◽  
Education Level ◽  
Descriptive Statistics ◽  
Review Of The Literature ◽  
Demographic Differences ◽  
Demographic Profiles

<p>This study examines the priority of values affecting the behaviour of local consumers in the Saudi Arabian hospitality industry. The sample consists of Saudi nationals who have stayed in a hotel in Saudi Arabia. A review of the literature provides studies of values and demographic factors that could lead to differences in behaviour between gender (male vs female) and education (educated vs less-educated). There is currently little understanding of whether, or how, Saudis from different socio-cultural environments, represented in this study with different demographic profiles, differ in their values. This study considers whether there are any such differences linked to these demographic differences. The research uses a quantitative online survey based on established constructs of Kahle’s List of Values. Data were analysed in SPSS using descriptive statistics, independent samples <em>t</em>-tests, and regression analysis. This quantitative study finds that there are significant differences in the value of excitement, warm relationships with others, and fun and enjoyment were noted according to education level; also the value of self-fulfillment according to gender.</p>

scholarly journals Research into the evaluation of PR activities in companies from Serbia

2016 ◽  
Vol 16 (2) ◽  
pp. 108
Author(s):  
Milan Nikolic ◽  
Katarina Zoric ◽  
Edit Terek ◽  
Dragana Glusac ◽  
Dragan Cockalo
Keyword(s):  
Correlation Analysis ◽  
Public Relations ◽  
Descriptive Statistics ◽  
Web Survey ◽  
Continuous Evaluation ◽  
Top Managers ◽  
Service Managers

<p>This paper presents the results of a research into the volume, type and quality of the evaluation of public relations activities in companies in Serbia. The survey was conducted via a web survey. The responses were collected from 50 PR service managers from 50 companies in Serbia. The results are presented through descriptive statistics and correlation analysis where some of the observed sizes of the connection were analyzed. The main conclusions can be summarized as follows: PR functions are often not assigned sufficient importance in companies in Serbia; the evaluation of PR activity is slightly neglected compared to other PR activities; intensive and continuous evaluation of the performances of PR activities increases the likelihood of the complete PR function of the company being successful; companies that are not so successful use evaluation less than successful companies; the evaluation of PR activities is mostly done through a method for measuring quantity; the main problems in the evaluation of PR activities are lack of time and money. The evaluation of PR activities in companies in Serbia can be improved through a greater understanding on the part of top managers, and also by hiring additional PR practitioners.</p>

scholarly journals EFFECT OF CONSUMER PROTECTION FUNCTION ON FINANCIAL PERFORMANCE OF SACCOS IN KENYA

2016 ◽  
Vol 1 (2) ◽  
pp. 48
Author(s):  
Jackson Mnago Ndungo’ ◽  
Dr. Olweny Tobias ◽  
Dr. Memba Florence
Keyword(s):  
Correlation Analysis ◽  
Financial Performance ◽  
Consumer Protection ◽  
Causal Effect ◽  
Pearson Correlation ◽  
Secondary Data ◽  
Target Population ◽  
Descriptive Statistics ◽  
Accurate Information ◽  
Inferential Statistics

Purpose: The study sought to determine the effect of consumer protection function on financial performance of SACCOs in Kenya.Methodology: The study adopted a descriptive research design. The target population comprised of registered 181 deposit-taking SACCOs as at 31st December 2014 and the three licensed CRBs in Kenya. Stratified random sampling was used in the study, where SACCOs were grouped into five respective strata which were then randomly selected. The SACCOs were grouped into five respective strata of government based, teachers based, farmers based, private institutions based and community based. The study sampled 135 of the 181 (74.5%) licensed deposit taking SACCOs since these were the only licensed deposit-taking SACCOs by 2014. The choice of the licensed deposit taking SACCOs in Kenya was very objective since it was possible to obtain information that is representative of Kenya. In addition, SACCOs form the smaller arm in the financial sector and in most cases deals with a larger group of clients from the informal sector as opposed to other financial institutions like banks. Both primary and secondary data were analyzed using SPSS software, and statistics generated included descriptive statistics and inferential statistics. The particular descriptive statistics used included frequencies and percentages while the particular inferential statistics included Pearson correlation analysis and regression. Correlation analysis was used to establish relationships between the consumer protection function and financial performances. Regression analysis was used to establish the significance of the variables and the degree of causal effect of the independent variables on the dependent variable. The hypotheses testing were conducted using simple regression model.Findings: From the data analysis the study concluded that there was a significant and positive relationship between consumer protection function and financial performance thus the existence of credit reference bureaus was suitable for improving financial performance of SACCOs. This implies that that Credit reference bureaus have led to consumer protection and increased customers’ rights. Similarly, credit reference bureaus have led to assumption that borrowing is a right regardless of capabilities. Credit reference bureaus have reduces undesired monopolistic actions of lenders. Lastly, credit reference bureaus have led to reduced bad “culture” on loan repayment.Recommendation: The study recommended that lenders should ensure that they have accurate information before listing the unworthy borrowers to avoid unnecessary legal battles which may affect performance as a measure for customer rights protection.

scholarly journals Factors influencing COVID-19 knowledge-gap: a cross-sectional study in China

2021 ◽  
Vol 21 (1) ◽  
Author(s):  
Han Wang ◽  
Lina Li ◽  
Jing Wu ◽  
Hao Gao
Keyword(s):  
Interpersonal Communication ◽  
Media Use ◽  
Education Level ◽  
Descriptive Statistics ◽  
Public Communication ◽  
Knowledge Gap ◽  
Knowledge Level ◽  
Internet Media ◽  
Education Levels ◽  
The Difference

Abstract Background In the face of a sudden outbreak of COVID-19, it is essential to promote health communication, especially to reduce communication inequality. The paper targeted China to investigate whether social structural factors (education level and urban-rural differences) lead to the knowledge gap of COVID-19. Also, this paper examined whether media use, interpersonal communication, public communication, and perceived salience of information can influence the knowledge gap of COVID-19. Furthermore, this paper explored the strategies to promote communication equality. Methods An online survey on COVID-19 knowledge and its influencing factors was conducted in February 2020, with a valid sample of 981 participants. The dependent variable was the total score of knowledge related to COVID-19. In addition to demographic variables such as education level and residence, the main explanatory variables include four independent variables: the use of different media (print media, radio, television, Internet), interpersonal communication, public communication, and perceived salience of information. This paper utilized descriptive statistics, correlation analysis, and hierarchical multiple regression analysis for data processing. Results Descriptive statistics indicated that the Internet was the most frequent source of information for participants to obtain COVID-19 knowledge (M = 6.28, SD = 1.022). Bi-variate analysis and regression analysis presented that education level, Internet media use, and perceived salience of information predicted the difference in knowledge level. Hierarchical multiple regression showed that Internet media use significantly predicted differences in the level of knowledge related to COVID-19 among groups with different education levels. Conclusions This study found a COVID-19 knowledge gap among the Chinese public, especially the digital knowledge gap. Education level, perceived salience of information, and internet media use can significantly predict the difference in COVID-19 knowledge level. In contrast, the use of traditional media such as newspaper, radio, and television, public communication, and interpersonal communication did not improve knowledge level. Internet media use and education level have an interactive effect on the formation of a COVID-19 knowledge gap. That is, online media use will expand the COVID-19 knowledge gap between groups with different education levels.

scholarly journals How Web Shops Impact Consumer Behavior?

2021 ◽  
Vol 15 (3) ◽  
pp. 350-356
Author(s):  
Helena Štimac ◽  
Ivan Kelić ◽  
Karla Bilandžić
Keyword(s):  
Multivariate Analysis ◽  
Linear Regression ◽  
Correlation Analysis ◽  
Reliability Analysis ◽  
Online Shopping ◽  
Customer Behavior ◽  
Descriptive Statistics ◽  
Firm Reputation ◽  
Marketing Actions ◽  
The Impact

The behavior of e-customers is quite unpredictable, which raises additional questions about this topic. The purpose of the paper is to conduct research on e-customers, understand the impact of marketing actions on e-customer behavior and understand the unpredictability of e-customers. Research was conducted on the Mlinar web shop that sells cakes. 284 respondents/buyers had the opportunity to solve questionnaires about behavior after purchase and consumption of product. Different methods have been used in the analysis - descriptive statistics, multivariate analysis (reliability analysis, correlation analysis and linear regression) and analysis of variance (ANOVA). The results showed that most examinees were satisfied with online shopping on the Mlinar web shop and that they are impulsive when online shopping. Saving time is the main reason to buy on a web shop. Research proved that variables such as firm reputation/perceived value, e-satisfaction and online services positively affect the creation of e-loyalty in their users.

Pengaruh Iklan Terhadap Keputusan Pembelian Konsumen

2020 ◽  
Vol 2 (2) ◽  
pp. 233-248
Author(s):  
Abednego Stephen ◽  
◽  
Athluna Canthika ◽  
Davin Subrata ◽  
Devina Veronika ◽  
...  
Keyword(s):  
Regression Analysis ◽  
Quantitative Analysis ◽  
Correlation Analysis ◽  
Statistical Method ◽  
Survey Data ◽  
Online Survey ◽  
Descriptive Statistics ◽  
The Other ◽  
Brand Recall ◽  
Independent Variable

Advertisement is one of the most common way to promote and create awareness of a product. However it is still uncertain to measure the effect of advertisement, especially on customer’s buying decision. The objective of this paper is to identify how much advertisement impacts on consumers buying decision. The research uses quantitative analysis by analyzing online survey data gathered from 280 respondent across Jabodetabek (Jakarta, Bogor, Depok, Tangerang, Bekasi). Statistical method such as correlation analysis, descriptive statistics, and regression analysis was used and the result from 244 valid respondents showed that the independent variable brand recall and stimulation have an impact on consumers’ buying decision while the other three variables which are necessity, pleasure, and dominance do not have an impact on consumers’ buying decision.

Wavelet and cross correlation analysis on some climatology parameters of Nepal

BIBECHANA ◽  
2021 ◽  
Vol 18 (2) ◽  
pp. 105-116
Author(s):  
Babu Ram Tiwari ◽  
Jiyao Xu ◽  
Binod Adhikari ◽  
Narayan Prasad Chapagain
Keyword(s):  
Wavelet Transform ◽  
Correlation Analysis ◽  
Cross Correlation ◽  
Spectral Characteristics ◽  
Time Lag ◽  
Rate Of Change ◽  
Policy Implications ◽  
Sunspot Numbers ◽  
Cross Correlation Analysis ◽  
Convective Motions

This study has been performed to understand the relationship between sunspot numbers (SSN) with climatology related parameters like temperature and rainfall from 1901 to 2016. The spectral characteristics of sunspot numbers, temperature and rainfall have been observed using continuous wavelet transform. Cross-correlation analyses were also performed to find any relation among temperature, rainfall, and sunspot numbers. The 9–11 year periodicity of sunspot numbers confirmed by wavelet transform in annual scale. The periodicity of high-frequency signals is identified between 4 to 11 years whereas the low frequencies signal is found throughout the periods of observation for temperature. Similarly, it is clear that there is more concentration of power between 8–16 years for rainfall. Cross-correlation analysis shows that the sunspot numbers is highly correlated with rainfall and temperature (correlation coefficient ~ 0.8054). The time lag relationship resulted in the almost simultaneous linear relationship between the temperature, rainfall, and the SSN tendency. The development of convective motions over the subtropics might be affected by the time rate of change of SSN combined with the surface temperature changes of diverse time scales. The convective motions were mostly controlled by the available amount of water vapor and the stability of the atmosphere that had a strong connection with the heat capacity of the concerned region. To produce more authentic findings for policy implications, further comprehensive and appropriate research can be undertaken and implemented in this very important field. BIBECHANA 18 (2) (2021) 105-115

Effectiveness of Financial Inclusion Initiatives

2018 ◽  
pp. 48-65
Author(s):  
K. Sanal Nair ◽  
Saumya Jain
Keyword(s):  
Research Methodology ◽  
Financial Services ◽  
Credit Card ◽  
Financial Inclusion ◽  
Descriptive Statistics ◽  
Mobile Banking ◽  
Indian Government ◽  
The Past ◽  
The Government ◽  
One Way Anova

An inclusive financial system has been the major agenda of the Indian government over the past few years and several steps have been taken in this direction. The main purpose of the study is to assess the effectiveness of financial inclusion initiatives taken by Rajasthan government. A questionnaire was drafted and was sent to people from weaker section of the society who have been the beneficiaries of the financial inclusion initiative of the government. Research methodology adopted for the study includes descriptive statistics and one-way ANOVA was used to test the association/non-association between the variables. The study concluded towards lack of awareness and usage of financial inclusion initiatives, especially internet, mobile banking, and credit card. In terms of experience with financial services, respondents were positive towards interest on loans and help received by banking staff with respect to documentation and identification norms as well as branch timings. However, distance from the bank and the availability of ATM was an issue for them.

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