Determinants of credit risk at Vietnam bank for agriculture and rural developments in Can Tho City

The aim of this study is to investigate factors affecting credit risks of the borrowers (both corporate and individual customers) of Vietnam bank for agriculture and rural development's branch at Can Tho city (lender), thereby proposing several solutions to improve the bank’s operational efficiency in the upcoming years. Simultaneous qualitative and quantitative research methods are applied and secondary data from 102 corporate customers and 2100 individual clients are collected directly from the financial report of the Can Tho branch of Vietnam bank for agriculture and rural development (Agribank) until the end of 2018. A binary logistics model is employed to identify the determinant factors of the credit risk of bank customers. Estimation results reveal that the credit risk of corporate customers is affected by the factors of sales growth, return on sales ratio, Debt to equity ratio, collateral-to-outstanding loan balance ratio, and customer's loan history which are consistent with those of previous studies, whereas the credit risk of individual customers is influenced by the factors of age, educational level, loan purpose, loan maturity, type of collateral, customer income, and customer loan history, which are confirmed by previous studies. The empirical findings of the article imply that the Can Tho branch of Agribank should take precautions in order to limit the credit risk of bank customers. In addition, several governance recommendations are given for bank’s manager to improve the operational efficiency of bank.

Pengaruh Kompetensi Asisten Laboratorium, Fasilitas Praktik, Jobsheet Praktik dan Pemahaman Teori terhadap Kompetensi Mahasiswa Pendidikan Vokasional

Education is an important thing at this time, especially in college. One form of education is practical activities carried out to improve student experience and understanding. Things that affect student competence are the competence of laboratory assistants, practical facilities, practical worksheets and theoretical understanding. This study was conducted to determine the magnitude of the influence of the competence of laboratory assistant practical facilities, practical jobsheets and theoretical understanding on the competence of students of Electrical Engineering Vocational Education, University of Sultan Ageng Tirtayasa. This study is an ex-post facto research using quantitative research methods whose data were obtained using questionnaires and tests distributed to students of Electrical Engineering Vocational Education at Sultan Ageng Tirtayasa University who did practicum and then processed using the SPSS 25.0 application with simple linear regression analysis techniques and also regression double. The results of the study showed that there was a significant effect of the laboratory assistant competency variable, while the practical facilities variable, practical worksheet and theoretical understanding did not have a significant influence on the student competency variable. Keywords: Practice, Laboratory Assistant, Facilities, Jobsheet, Theory Understanding

Correlation Self-Efficacy and Adversity Quotient of Students at SMK Muhammadiyah 2 Wedi Klaten

This study aims to determine whether there is a correlation between self-efficacy and adversity quotient for students of SMK Muhammadiyah 2 Wedi Klaten. This type of research uses quantitative research methods with a correlational approach. Sampling methods using simple random sampling with data collection techniques in the form of a scale. The research subjects were 70 students from class XI of SMK Muhammadiyah 2 Wedi, Klaten. The results obtained correlation analysis (rxy) of 0.708 with a p-value 0.000 that is lower than 0.05, meaning that there is a significant positive correlation between self-efficacy and the student's adversity quotient. This can indicate that the higher the student's self-efficacy, higher the adversity quotient of the student, then Ho is rejected and Ha is accepted. Self efficacy and adversity quotient in students of SMK Muhammadiyah 2 Wedi, Klaten are classified as moderate. The coefficient of determination (R2) of the correlation is 0.724, meaning that self-efficacy contributes effectively to the adversity quotient by 72%, which means there are 28% of the other factors that affect students adversity quotient

The Effect of Electronic Word of Mouth on Social Media and The Attraction of Bena Traditional Village Tourism on Tourist Visiting Decisions

The purpose of this research is to examine the impact of electronic word of mouth on social media, as well as the impact of tourist attractions in the traditional hamlet of Bena on visitor decision-making. The descriptive and quantitative research methods were applied. The sampling method utilized is purposive sampling, with the informants being visitors who have visited Bena's traditional village. The findings revealed that social media and electronic word of mouth (E-WOM) in tourism destinations influenced tourists' decisions to visit Bena's traditional village. The findings of this study suggest that pleasant experiences of visiting the Bena Traditional Village, which are shared on social media platforms such as Facebook, Instagram, and WhatsApp, have a significant impact on the number of visitors to these attractions by social media users.

A comparison of information behavior studies in United States and India: Number of publications, authorship, journals, theories, research populations, and methods

This study compares attributes (authors, journals, populations, theories, methods) of information seeking behavior studies based in the United States and India, based on a search of published articles from 2011 to 2020 in relevant information science databases. The findings indicate major differences in information behavior research among the two countries. Information behavior research in the United States tends to focus more on health and medicine-related research populations, employ greater use of information behavior theories, and use a variety of quantitative and qualitative research methods (as well as mixed methods). Information behavior research in India tends to focus more on general populations, use less theory, and rely heavily on quantitative research methods—particularly questionnaires (88% of studies). These findings suggest a healthy and intellectually-diverse information behavior research area in the United States and ample room for growth of the research area within India.

Sustainability and Social Responsibility of Romanian Sport Organizations

Sports organizations worldwide are discovering their power of influence over the fans and communities in which they operate, making more and more specialists and practitioners question these organizations’ social responsibility and sustainable development. In sports organizations, although research is increasing, social responsibility and sustainability are topics that require special attention because sports organizations can instill values in a large number of people in different fields. In our paper, we propose a conceptual framework that allows for integrated research into corporate social responsibility (CSR) and the sustainability of sports organizations for sustainable management and identifies their influences on the overall performance. Based on the conceptual framework, we developed a scale for measuring sports organizations’ social responsibility and sustainability, which we applied within sports organizations in Romania. The empirical study involved 280 respondents selected from the first two leagues of four sports areas (football, handball, volleyball, basketball). To support the conceptual framework, we used quantitative research methods in a transversal analysis: structural equation modeling and artificial neural network analysis. The conclusions of the empirical study in Romania show that social responsibility and sustainability are essential for the sustainable management of sports organizations and significantly influence the organization’s overall performance. Among the pillars of sustainability, the social and human impact performance, given the specifics of sports organizations (involving large masses of people). Furthermore, legal and philanthropic responsibilities significantly influence CSR and organizational performance among CSR responsibilities.

The Effect of Social Media on The Spread of Covid-19 Hoax News Among Students

Context: All information that the public wants to know can be accessed through various platforms, one of which is social media. Especially in a pandemic like this, information related to Covid-19 will be needed. However, social media can also be a place for people to spread hoax news easily. Students as agents of change are expected to be role models for society in using the internet. Purpose: to find out where the perpetrators of spreading hoax news take their actions and also we want to know the various forms of hoax news that are spread. In addition, we also want to know what actions students take as agents of change in response to the hoax news they encounter. Questions: We formulated four questions in this research, namely, what media are often found in hoax news by students? In what forms are hoax news often encountered by students? What is the content of hoax news that students usually encounter? How are students as a student? How do agents of change respond to the hoax news they encounter? Methods: We used quantitative research methods in the form of online surveys with Google Forms to present data and followed by qualitative methods in the form of interviews with respondents. We combine the studies that have been done for further analysis. Results: our research shows that students often receive hoax news about Covid-19. They found various forms and contents of hoax news. In addition, each student has their own way of responding to the hoax news they get. Limitations: The limitation of our research is the range of respondents which only includes students who live in Surabaya. Recommendation: our next research is to expand the reach of respondents and look for respondents who have been spreading hoax news to find out the motives they use.

The Impact of ICT on Service Sector’s Productivity and Employment in the Philippines

Various studies have been conducted among different countries to determine the relationship of ICT on productivity and employment, but the results vary among industries and firms. This research aims to examine the impact of ICT on the service sector productivity and employment in the Philippines through quantitative research methods. Findings on the relationship between ICT and Productivity show that all the independent variables have a linear relationship on the dependent variable while the findings on the relationship of ICT and Employment, only Labor Force Participation Rate shows a nonlinear relationship to the dependent variable. The researchers ought to impart knowledge about the opportunities and threats brought by ICT, which may guide the policymakers who formulate policies regarding the advancements brought by ICT.

Effects on Employee Motivation of Working Conditions in National/International F&B Enterprises

The purpose of this research is to examine the effect of variables on the working conditions of national/international chain F&B enterprises on employee motivation. One hundred and sixty-four people working in 11 chain F&B enterprises in Turkey, in Kırklareli province, participated in the survey. The sampling method was used easy sampling for research. The research was conducted by applying survey technique from quantitative research methods. Regression analysis, factor analysis, Mann Whitney U, and Kruskal Wallis analysis were performed in the analysis of the obtained data. As a result of the factor analysis performed, two different components were obtained under working conditions and three different components were obtained in the context of motivational variables. As a result of the simple linear regression analysis performed, it is found that a significant part of the change in the motivation variable depends on the working conditions. Research results are thought to be beneficial to F&B managers.

Gender Representation in Education: Critical Discourse Analysis of Urdu Textbooks used in Primary Government Schools in Punjab

This research aims to explore the gender equality or lack thereof in the Urdu textbooks taught in Punjab, Pakistan. Gender bias in textbooks is an important but almost invisible and overlooked problem. Five Urdu textbooks taught in primary government schools in Punjab were selected for critical discourse analysis. Both qualitative as well quantitative research methods were adopted. The number of female and male characters, portrayal of domestic and professional roles by both genders, and cosmetic bias was taken into account. In all five books analyzed, 28% characters were women whereas remaining were male characters. Female characters were mostly found in domestic situations with insignificant roles in the stories who did not have a name or an identity except being mothers. The text was highly biased towards the male characters associating valor and strength with men only. Since textbooks play a crucial role in the development of the children, it is important to remove the concealed gender bias in textbooks and acknowledge the changing roles of women in the Pakistani society in order to create a society that treats men and women equally.