The Why and the Wherefores

Author(s):  
Thaisaiyi Zephania Opati

Though the digital loan industry is still in its diapers, the unprecedented growth of it is a concern to many stakeholders within the financial industry. In fact, the emerging apprehensions arising out of the process of lending, distribution, and use of the digital loans have become a cause for consumerism and consumer advocacy within this new emerging product category. Of great apprehension are issues relating to regulation, consumer privacy, and loan processing among others. With this regard, a survey was carried out in Nairobi County, Kenya with over 500 questionnaires being sent through email to respondents who fall within the middle-class category. A convenience sampling method was adopted for the study, and 243 were answered and returned. A further analysis was done given the objective of the study was to examine consumer and ethical concerns arising out of sale and marketing of digital loans. This chapter examines consumer issues arising out of the digital loan applications and addresses what the industry needs to do. It recommends the way forward in dealing with these issues.

2020 ◽  
Vol 8 (2) ◽  
pp. 135-160
Author(s):  
Nevin Karabiyik Yerden

The COVID 19 pandemic created economic havoc around the world. Along with healthcare challenges, the pandemic has also been changing consumer lifestyles. It affects business structures and service delivery too. This article draws on an investigation of the effect of consumption emotions of Turkish consumers on consumer values during the COVID 19 Pandemic. A convenience sampling method was adopted in the study and a questionnaire survey was administered to collect 390 consumer cases. The results show that the consumption emotions of Turkish consumers during the COVID 19 Pandemichad a significant positive effect on consumer values. It was found that Turkish consumers were to feel anxiety, calmness and hope more often than not during the pandemic.


Author(s):  
Huyen Thi Nguyen ◽  
Ngoc Minh Nguyen

The purpose of this study is to examine the effect of prestige sensitivity on mobile phone customer’s price acceptance in Vietnam and the mediating role of product knowledge and price mavenism on this relationship. We used the convenience sampling method for data collection via questionnaires with a sample of 605 consumers who purchased mobile phones. The collected data was analysed by applying a structural equation modelling method. The result indicates that prestige sensitivity has both direct and indirect effects on price acceptance via product knowledge and price mavenism. The findings suggest that prestige sensitivity can be used as a market segmentation criterion for mobile phones when making price decisions and providing customers with adequate information could improve price acceptance.


1970 ◽  
pp. 24
Author(s):  
MUHAMMAD TAHIR LATIF, FALAK SHER, MUZZAMMIL HUSSAIN

A field survey was conducted during 2016 to estimate the profitability of normal season and off-season muskmelon cultivation in district Sialkot, Pakistan. The primary data was collected from forty farmers with convenience sampling method. Economic parameters like net return and BCR were employed. Off-season muskmelon cultivation was found economically feasible due to additions of yield (17%), gross income (122%), profit (161%) and market price (90%) in comparison to normal season crop. Therefore, it is recommended to cultivate the off-season muskmelon (BCR 3.26) to obtain more profit and fulfill the customer demand in less supply period instead of normal season cultivation (BCR 2.44).


2012 ◽  
Vol 4 (2) ◽  
pp. 72-90
Author(s):  
Nancy Marchelly ◽  
Waluyo Waluyo

Tax Revenue is one of the most important sources of revenue for making the state expenditure budget (APBN). As a revenue dominant source for APBN derived from tax sector. The main objective of this study is to analyze the effect of tax sanctions and tax service quality on individual tax compliance.   This study focus on individual entrepreneurs tax payer those registered at the Primary Tax Office Tigaraksa (KPP Pratama Tigaraksa) especially in Gading Serpong Tangerang. Samples were selected by convenience sampling method, the data used in this study is primary data.  The results show indicate (1) tax sanction has significantly affect to individual tax compliance, (2) tax service quality has significantly affect to individual tax compliance, (3) tax sanction and tax service quality have significantly affect to  individual tax compliance. Keywords: Tax penalty, tax service quality, individual tax compliance


2012 ◽  
Vol 4 (1) ◽  
pp. 66-85
Author(s):  
Nico Darmawan

This research was conducted to analyze relationship between the understanding of the taxpayer and the tax advertising towards compliance of taxpayer to pay Land and Building Tax (PBB) in the Tax Office (KPP) East Tangerang especially in sub-district Ciledug. Objects of this research are taxpayers who pay PBB in KPP East Tangerang especially in sub-district Ciledug and had seen tax advertising in both mass media and electronic media. The samples were taken by non-probability sampling method by using convenience sampling. The total samples used in analysis are 100 respondents. In the technique of data analysts, this research do the validity test by pearson correlation, reliability testing with coefficient Cronbach’s alpha, the classical assumption test, hypothesis testing multiple regression, t test, and F test. The result showed that the understanding of taxpayer have a significant effect on compliance of taxpayer and the tax advertising have  insignificant effect on compliance of taxpayer, meanwhile the understanding of taxpayer and tax advertising simultaneously had a significant effect on compliance of taxpayer. Keywords: Tax Advertising, Compliance of Taypayer, The Understanding of Taxpayer


2016 ◽  
Vol 1 (2) ◽  
pp. 183-190
Author(s):  
Dwi Urip Wardoyo

This study aims to determine the determination of the cost of production for products produced by PT. DWA. The Company is engaged in the manufacturing industry specialized in automotive components. Its activity is carried out through a series of production processes, so that expenses spent in the production will be calculated into the cost of the production sold. The population in this study were all manufacturing companies in Jakarta. Convenience sampling method selected one of the companies that get the confidence to assemble three national car project in Indonesia, namely Timor, Bakrie and Maleo. Test analysis used in this study is to test the calculation of full costing with job order costing. This study shows that (a) determination of the cost elements associated with the cost of production and (b) determining the cost of production on a product-based job costing with full costing approach. Keywords: cost of production, full costing


2020 ◽  
pp. 1-6
Author(s):  
Yeşer Eroglu

This study was conducted to determine the reasons behind the students’ preferring an activity that would teach them how to perform and teach Zumba effectively and safely as a leisure activity and to what extent the activity met their expectations. The Subjects:This qualitative research consisted of 22 face to face interviews with students of the Rumeli University Faculty of Sport Sciences, Coaching Education, Sports Management and Recreation departments. Materials and Method:The participants were selected with the convenience sampling method and consisted of 16 women and 6 men between the ages of 18-22 years. The Zumba event included 8 one hour Zumba classes given by a specialist in this area. The data was coded separately by two researchers and the consistency rate was found to be 75 percent. Descriptive and content analysis was used and transferred to NVIVO 10 software for data analysis. The themes of reasons for participating in and expectations of students from the Zumba classes that resulted from the interviews conducted prior to and following the event were collected and evaluated. Conclusions: As a result of the data analysis prior to the event, the desire to become a specialist, adding another dimension to their specialty, being ready to branch out, importance future planning, increased financial expectation and popularity of Zumbaemerged as the leading themes in choosing Zumba. The participant’s thoughts after the event were that their initial expectations were met and extra themes of health protection and entertainment were added as gains from the event.


2019 ◽  
Vol 8 (1) ◽  
pp. 1-12
Author(s):  
Winda Syafitri ◽  
Dahmiri Dahmiri

ABSTRAK The purpose of this research is to explain the effect of Internal Factors toward student interest in entrepreneurship on Economics and Business Faculty of Jambi University. Sampling techniques used on is Non-Probability Sampling with Convenience Sampling Method. The number of respondents is 100 consumers. Technique analysis for this research use descriptive analysis to describe the research variables and multiple regression analysis to find the effect between research variables using SPSS 20.0. This research revealed the significant effect of Internal Factors on Student Interest in entrepreneurship on Economics and business Faculty of Jambi University.   Keywords: Internal Factors, Interest in Entrepreneurship


Symmetry ◽  
2021 ◽  
Vol 13 (3) ◽  
pp. 395
Author(s):  
Chien-Hsiung Chen ◽  
Miao Huang

This study investigated the impacts of different notification modalities used in low and high ambient sound environments for mobile phone interaction. Three different notification modalities—Shaking Visual, Shaking Visual + Vibration, and Vibration—were designed and experimentally tested by asking users to conduct a maze task. A total of 72 participants were invited to take part in the experiment through the convenience sampling method. The generated results indicated that (1) the notification modality affects participants’ task completion time, (2) the error rate pertinent to the number of notifications is positively related to the participants’ task completion time, and (3) the ambient sound level and notification modalities impact the overall experience of the participants. The main contributions of this study are twofold. First, it verifies that the multi-dimensional feature of a Shaking Visual + Vibration synesthesia notification design is implementable. Second, this study demonstrated that the synesthesia notification could be feasible for mobile notification, and it was more perceptible by the users.


2003 ◽  
Vol 66 (3) ◽  
pp. 472-485 ◽  
Author(s):  
CATHERINE HALL

This article uses the World Anti-Slavery Convention of 1840, and the way in which it was represented in Benjamin Robert Haydon's painting of it, to reflect on the ways in which Britons thought of themselves as an ’imperial people’, ’lords of humankind’, fit to rule over others. The Whig reforms of the 1830s had brought the enfranchisement of large numbers of middle-class men, and the emancipation of the enslaved across the British Empire. Excavating the assumptions of the abolitionists who gathered at the Convention allows us to see how new hierarchies of difference were encoded by 1840, placing freed black men, middle-class women and Irish Catholics on the margins of the new body politic.


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