Residential House Prices, Commercial Real Estate Lending and Bank Failures

We investigate factors leading to bank failures during and after the Great Recession and banking crisis (2008–2015). The FHFA residential real estate house price index (HPI) for each of the 9 Census regions is used to interact with bank mortgage loans and bank financial statement variables. We find that these variables isolate different regional effects on the likelihood of a bank failing. Since we use changes from region to region, we find that regional location and HPI changes have an effect on banks’ commercial lending activity. Other more traditional and associated factors, like construction and land development lending or multifamily real estate lending, similarly explain bank failures during the main period of the banking crisis. By using this approach we better isolate the relationship between residential house prices and builders’ and land developers’ desire to borrow and the willingness of banks to concentrate portfolio lending in commercial real estate.

Successful Strategies for Using Knowledge Management in Small and Medium-Sized Enterprises

The purpose of this multiple case study was to explore strategies that managers of small and medium-sized enterprises (SMEs) use to effectively integrate knowledge management (KM) into business practices. The study population comprised of five managers from two SMEs operating in Uganda. The eligibility criteria were that participants had to be managers from Ugandan SMEs with a knowledge-intensive environment, with some responsibility of KM in the organization, and experienced with at least 1 year of successful KM practices. The conceptual framework for this study was theory z. Data were collected through face-to-face, semi-structured interviews, and reviews of company documents. Member checking was completed to strengthen credibility and trustworthiness. Synthesis: After methodological triangulation of the data sources collected and completion of Yin’s 5-step process of data analysis, five themes emerged: having supportive leadership, ensuring sustainability, embedding KM practices in the organization culture, socialization, and embracing modern technology. The findings of this study might promote social change by supporting small and medium-sized enterprise (SME) managers’ use of KM to expand opportunities for employees to learn new skills and knowledge leading to the expansion of employment opportunities.

Strategic Policies for a Sustainable World

Based on the strategic needs of countries around the world, we propose some strategic policies that reflect the global needs of white spaces of innovation and establish territories of innovation for ecosystems, and a very important advance for human kind in social innovation. The reality for clean technology and an inclusive capitalism on the base of the pyramid is a real need in a world with more than 4 billion living with less than $4 USD per day. Energy Use and Water Use demand the possibility of the existence of the humanity, because we have decades expended resources, for example the scarcity of water in Australia or the excess of crypto currency in Malta, only define a world with differences that maybe the technology but in our words the clean technology can get in the interconnected need with people of the poverty world.

International Anti-Money Laundering Measures and Professional

Money laundering is one of the biggest and the fastest growing problems in the contemporary world. It is seen that in legitimate economy most of the dirty money i.e. 38.6% comes from the investment fraudulent schemes, bankruptcy fraud and corporate frauds whereas, 27.5% comes from drug trafficking. This rising trend of money laundering and other financial frauds are due to several reasons, which include the activities in businesses that do not comply with professional ethics. The current research is a qualitative research that has used secondary data to derive the results. Because the study followed a deductive approach, the results of the study have been derived by utilising the existing theories and established data from published literature and different reports. The analysis of the obtained data has been conducted in the form of content analysis to attain the objectives of the current study. The findings of the study suggest that the international organisations have taken several steps to ensure the reduction of money laundering by imposing several unified acts based on the Vienna Convention and the Palermo Convention. It has also been found that ethically compliant professional activities also play an integral part against money laundering. Some of these activities have been reported as forming strong codes of conduct for monetary operations, informing the bad repercussions of participating in money laundering activities, and having proper control and management strategies in position that can have adequate monitoring on institutional improper conduct. The study recommends that every state should have regulated and monitored free trade zones as they are often used as the cornerstone of money laundering. Moreover, a centralised reporting system of the financial institutions have also been recommended, alongside the establishment of a regulatory body for the lawyers and accountants.

Innovative Strategies for Small Retail Companies' Sustainability

Forty-one percent of small American retail companies fail to succeed beyond 5 years. The purpose of this multiple case study is to explore strategies small retail business owners need for sustainability beyond 5 years. This study's data were collected through face-to-face interviews with 4 small successful retail business owners located in the United States southeastern region. Based on the conceptual framework of Schumpeter’s innovation theory, the paper provides 3 strategies that may prevent failure and lead to small business sustainability: passion and determination, market development and customer satisfaction, and business model innovation.

Improving Quality in Primary Care: A Model for Change

Health care spending accounts for 17.7% of the gross domestic product in the United States, and it is expected to continue rising at an annual rate of 5.3%. Despite high costs, health care quality lags behind other high-income countries; yet, over 70% of change initiatives fail. The purpose of this multiple case study was to explore strategies primary care leaders use for implementing quality improvement initiatives to improve patient outcomes and reduce waste in primary care facilities. The target population consisted of 3 health care leaders of 3 primary care facilities in southern California who successfully implemented quality improvement initiatives. The conceptual framework for this study was Kotter’s 8-step of change management. Data were collected through face-to-face semi-structured interviews with senior health care leaders, document review, and quality reports. Patterns were identified through a rigorous process of data familiarization, data coding, and theme development and revision. Interpretations from the data were subjected to member-checking to ensure trustworthiness of the findings. Four themes emerged from this study: communication, leadership support, inclusive decision-making, and employee recognition.

New Education Policy 2020 of India: A Theoretical Analysis

Education has a key and decisive role in this scenario of contingencies. The National Education Policy 2020 has therefore been transformed into the framework of this reform, which could help to build a new education system in the country, in addition to strengthening those economic and social indicators. That still needs to be improved. NEP 2020 provides for quality higher education through multidisciplinary universities and autonomous colleges. We have critically examined the policy in this paper and proposed changes to ensure a seamless continuum with its predecessor in addition to its predecessor, boosting its importance. The current paper describes the analysis of the requirements for NEP 2020 provisions and management practices at the university level. Recommendations are made for the design and implementation of NEPs at national and HEIs (Higher Education levels).

Factors Swaying Inspiration of Employees Performance in the Insurance Companies of Bangladesh: A Comparative Analysis Between Demographic Forces and Components of Organizational Commitment

The purpose of this study is to identify and examine the most inspirational factor of employees’ performance in the perception of employees in the insurance companies of Bangladesh. This empirical study has been conducted through an explanatory survey design. A survey with a structured questionnaire has been conducted for collecting primary data. A convenient random sampling technique was used to collect primary data for examining the relationship between the dependent and independent variables. It means the relationship between the three components of organizational commitment and inspiration of employees’ performance; demographic factors and inspiration of employees’ performance in the insurance companies of Bangladesh. A total number of 400 structured questionnaires were distributed and received back with properly filled 378 questionnaires that were statistically used for analysis. The statistical software SPSS (IBM 26) has been used for input and processing raw data into hypothetical final results. Descriptive statistics, binary correlation, multiple regression analysis, and lastly One-Way-ANOVA have been used step by step to test the hypothetical research results. The results of this study indicated that a strong positive relationship exists between the educational ability & experience of respondents from demographic factors and inspiration of employees’ performance; continuance commitment of the respondents from components of organizational commitment and inspiration of employees’ performance in insurance companies of Bangladesh. It is suggested in this research that the organization should pay attention to continuance committed employees having a high level of education and experience.

Analysis of the Price Change of the Azerbaijani Oil of Azeri Light, using the Monte-Carlo Method in the Conditions of Uncertainty

Purpose: This article examines the uncertain conditions of the oil industry in and post crisis period in Azerbaijan Republic in 2015-2017 and during COVID-19 in 2020. Design/Methodology: Existing turmoil in the global economy and volatile oil prices affected the economies of the oil-producing countries. Such instability also affected the economy of Azerbaijan Republic and led to a decrease in its key economic indicators, which leads to apply specific methods for identifying risks and estimating its valuation. Findings: The reasons of the sharp drop in oil and oil products demand have been analysed, using the Monte Carlo techniques and with its impact on Azerbaijan Republic as an example. Practical implications: The author, compiling the forecast for the chosen methodology, clarified forecast for 2018 of oil price of Azerbaijani oil brand Azeri Light in an uncertain environment, and made forecast for coming years, based on these calculations.

Framework to Create Employee Engagement Culture in Saudi Banks

Employee engagement has attracted widespread interest over the past twenty years from the practitioner network and researchers. It is claimed that organizations that focus on growing an engagement culture will result in increasing employee productiveness, the fulfilment of the organizational objectives, and competent employee retention. However, the fundamental issues revolving around the meaning and key antecedents of employee engagement nevertheless require similar research interest [2]. The Saudi Banks are an important component of Saudi Arabia’s financial system. In light of the emerging high volume of business activities, Saudi Banks are keen to inspire worker participation and employee engagement. This behaviour will allow banks to achieve sustainable business development. In response to these issues, the present research offers the possibility to advance the knowledge of organizational culture’s influence on employee engagement. The present research adopts a qualitative approach, and the method used is a grounded theory. The data collection process adopted an issue focused approach. Interviews were conducted with banks managers and their subordinates (male- female). The findings of the present study indicate that the factors that make the greatest contribution to employee engagement were employee satisfaction, achievement recognition, and jobs that were in line with the employees’ competent. Furthermore, the results revealed that the Saudi national culture, which is rooted in Islamic belief, has an influence on employee engagement in Saudi banks. This influence manifested itself as Non-interests bearing transactions, and the female segregation rule. The outcomes of the present research contributes to the existing theory of employee engagement by providing empirical evidence regarding the engagement meaning construct and its distinctiveness from similar, alternative, well-established attitudinal constructs. Furthermore, the present research offers a framework consisting of the themes that emerged from the analysis of the present study, and the proposed interventions to maintain an employee engagement culture. Furthermore, a discussion of the analysis’ limitations and recommendations for future researches will be presented, and a conclusion will be drawn.