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Articles 22471 - 22500 of 791947
Full-Text Articles in Entire DC Network
23rd Annual Family Law Institute, Indiana Continuing Legal Education Forum (Iclef)
23rd Annual Family Law Institute, Indiana Continuing Legal Education Forum (Iclef)
Indiana Continuing Legal Education Forum 2025
Meeting proceedings of a seminar by the same name, held November 13-14, 2025.
Advanced Issues In Dui Defense, Indiana Continuing Legal Education Forum (Iclef)
Advanced Issues In Dui Defense, Indiana Continuing Legal Education Forum (Iclef)
Indiana Continuing Legal Education Forum 2025
Meeting proceedings of a seminar by the same name, held July 24-25, 2025.
Pengaruh Islamic Work Ethic Dalam Memprediksi Work Engagement Dengan Psychological Capital Dan Gratitude Sebagai Mediator Pada Karyawan Perusahaan Bank Syariah Di Indonesia, Felannisa Andriana
Pengaruh Islamic Work Ethic Dalam Memprediksi Work Engagement Dengan Psychological Capital Dan Gratitude Sebagai Mediator Pada Karyawan Perusahaan Bank Syariah Di Indonesia, Felannisa Andriana
Jurnal Manajemen dan Usahawan Indonesia
The rapid development of Islamic banking in Indonesia has prompted increased attention to the level of employee work engagement. Although driven by Islamic values that prioritize integrity, it is important to understand the factors that influence work engagement in Islamic banks in order to create a productive work environment that is in accordance with Islamic principles. This study aims to explain the relationship between Islamic work ethics, psychological capital, gratitude, and work engagement in the context of Islamic banking, involving Islamic banking employees in Indonesia as respondents. Data were analyzed using the Structural Equation Modeling (SEM) method. The results show …
Ethical Leadership, Psychological Contract, Dan Work-Family Conflict: Determinan Loyalitas Perawat Di Era Pandemi, Annisa Syafira Efrial
Ethical Leadership, Psychological Contract, Dan Work-Family Conflict: Determinan Loyalitas Perawat Di Era Pandemi, Annisa Syafira Efrial
Jurnal Manajemen dan Usahawan Indonesia
Nurses are the frontline of healthcare services and have faced increasing work pressure during the COVID-19 pandemic. In this context, nurse loyalty becomes a crucial factor for the sustainability of healthcare organizations. This study aims to analyze the influence of ethical leadership on employee loyalty by examining the mediating roles of psychological contract and work-family conflict. A total of 145 nurses participated in this study. Data were analyzed using a quantitative approach through Structural Equation Modeling (SEM) with the assistance of Lisrel 8.80. The findings reveal that ethical leadership has a positive effect on both employee loyalty and psychological contract. …
Translating Evidence Into Action: Understanding How Community- Based Practitioners Make Intervention Implementation Decisions In Practice, Kristin C. Bennett
Translating Evidence Into Action: Understanding How Community- Based Practitioners Make Intervention Implementation Decisions In Practice, Kristin C. Bennett
Dissertations and Theses (Open Access)
This study examined how community-based practitioners implement public health interventions in practice settings to identify gaps between existing implementation frameworks and real-world practice. Six farmers' markets in Southeast Texas served as cases to understand implementation decision-making by community-based practitioners addressing food access challenges. A qualitative case study approach was employed, using semi-structured interviews with program adopters and key stakeholders to examine how practitioners addressed food access problems, selected interventions, and navigated implementation decisions. This methodology captured the contextual nature of implementation decision-making in community settings. The findings revealed that program adopters recognized health problems through lived experience rather than formal …
Association Of Serum Il-23 And Il-17 Levels With Alopecia Areata, Safa Naser Hussein, Israa A. Deep
Association Of Serum Il-23 And Il-17 Levels With Alopecia Areata, Safa Naser Hussein, Israa A. Deep
Al-Qadisiyah Medical Journal
Background: Alopecia areata is a chronic, non-scarring autoimmune condition characterized by patchy hair loss. Materials and Methods: From December 2023 to April 2024, case-control research was carried out at Al-Diwaniya Teaching Hospital. It comprised 40 formally identified alopecia areata patients as well as 40 healthy controls who were compared for gender as well as age. Comprehensive dermatology tests as well as a thorough history-taking process were performed on the participants. According to the quantity as well as the size of the alopecic patches or the degree of hair loss, alopecia areata was divided into moderate and severe variants. Levels of …
Operating Fund Budget/ Expenditure Summary Report 2nd Quarter 2025-26, Csusb Budget Office
Operating Fund Budget/ Expenditure Summary Report 2nd Quarter 2025-26, Csusb Budget Office
University Budget Office records
No abstract provided.
Three Realistic Principles For Nurturing Ethical Prosocial Behavior, Thomas G. Plante Phd, Abpp
Three Realistic Principles For Nurturing Ethical Prosocial Behavior, Thomas G. Plante Phd, Abpp
Psychology
The world is in trouble with numerous significant challenges to life and society such as climate change, divisive politics, economic disparity, war, racism and discrimination, and violence. At the core of these issues is human behavior and in particular, ethical decision making. The purpose of this reflection is to underscore three practical principles to encourage more prosocial behavior by (a) embracing the reality of egoism, (b) finding ways to merge egoism with the common good, and (c) socially engineer ethical behavior that benefits society. Considering ethical decision making and nurturing prosocial behavior in a realistic manner provides at least some …
The Impact Of Psychological Sustainability On The Strategic Agility System: The Role Of Design Thinking : An Analytical Study Of Technical Opinions From Senior Officials At Several Private Universities In Basra Governorate, Iman Hato Jahlol, Muhammed Nabeel Al-Salim
The Impact Of Psychological Sustainability On The Strategic Agility System: The Role Of Design Thinking : An Analytical Study Of Technical Opinions From Senior Officials At Several Private Universities In Basra Governorate, Iman Hato Jahlol, Muhammed Nabeel Al-Salim
Muthanna Journal of Administrative and Economics Sciences
This study seeks to address the limited ability of private colleges in Basra Governorate to cope with organizational and educational challenges by examining the relationship between employees’ psychological well-being (faculty members and administrators) and strategic agility, while testing the mediating role of design thinking. The study adopted a descriptive–analytical approach and employed validated scales: Ryff (1989) for psychological well-being, Ergin (2024) for design thinking, and Doz & Kosonen (2008) for strategic agility. The sample consisted of 196 participants selected through stratified random sampling. The study was guided by a main hypothesis stating that the combined dimensions of psychological well-being (purpose …
Study Abroad And Languages: Leveraging Study Abroad For Engineering Education During Turbulent Times, Chad M. Gasta
Study Abroad And Languages: Leveraging Study Abroad For Engineering Education During Turbulent Times, Chad M. Gasta
Journal of International Engineering Education
No abstract provided.
Beyond Words: A Systematic Multimodal Framework For Text, Images, And Extreme Helpfulness In Online Reviews, Alvaro J. Aguado Marin
Beyond Words: A Systematic Multimodal Framework For Text, Images, And Extreme Helpfulness In Online Reviews, Alvaro J. Aguado Marin
Dissertations
Online product reviews have become increasingly multimodal, combining text with media-rich elements such as images. However, academic research has largely examined textual features in isolation, overlooking how visual content and its interaction with text shape perceived helpfulness. This dissertation addresses that gap by developing and empirically validating a comprehensive framework capturing how textual, visual, and contextual features collectively influence review evaluation. Grounded in the Elaboration Likelihood Model (ELM) and extended through the Text-Image Elaboration Likelihood Model (TI-ELM), the framework advances understanding of how consumers process content from both user- and business-generated sources. It also lays the foundation for examining emerging …
The Role Of The Scenario In Formulating The Contemporary Architectural Text, Rounaq Arif Mohsin, Abbas Ali Hamza, Bashar Shamil Alkhafaji
The Role Of The Scenario In Formulating The Contemporary Architectural Text, Rounaq Arif Mohsin, Abbas Ali Hamza, Bashar Shamil Alkhafaji
Al-Esraa University College Journal for Engineering Sciences
In order to create an integrated architectural text, which is a complicated art that blends beauty and practical elements, a rigorous design procedure is necessary. In this situation, the scenario’s role becomes crucial in developing the current architectural text and directing architectural approaches. In order to better understand how the scenario influences the design process and the interactions between various architectural aspects, this project intends to explore and analyze the impact of the scenario in developing and refining architectural text formulation approaches.
The study looks at the idea of a scenario and how it has been used in architecture, as …
Legitimate Interests As A Lawful Ground For The Processing Of Data And Ai Development In The Middle East, Moufid El-Khoury
Legitimate Interests As A Lawful Ground For The Processing Of Data And Ai Development In The Middle East, Moufid El-Khoury
Sultan Qaboos University Legal Studies Journal
This article addresses the legal basis of legitimate interests for the processing of personal data in the region of the Middle East. Three categories of countries emerge after the survey of selected data protection laws in the region: jurisdictions that explicitly enacted the legitimate interests as a lawful ground for the processing of personal data, those that established a variant of ‘legitimate rights’, and those that omitted the concept of legitimate interests entirely. This article argues that the absence of a lawful ground of processing based on legitimate interests makes the privacy landscape very rigid in some jurisdictions in the …
The Influence Of Social Media Interactions On Consumer Behavior In Influencer Vs. User-Generated Destination Content: The Role Of Source And Content Factors, Elmira Listiawardany, Rifelly Dewi Astuti
The Influence Of Social Media Interactions On Consumer Behavior In Influencer Vs. User-Generated Destination Content: The Role Of Source And Content Factors, Elmira Listiawardany, Rifelly Dewi Astuti
ASEAN Marketing Journal
Based on Service Dominant Logic, Value Co-Creation, and the Information Adoption Model, this research model examines the influence of Social Media Interactions on destination content on Visit Intention and Behavioral Engagement, involving Source Credibility, Homophily, and Content Quality as mediators in this relationship. To provide more specific implications, this study also compares how the model applies to two different types of content, namely influencer content and user-generated content (UGC).
This research uses a survei questionnaire method and obtained 313 samples that meet this research criteria, which are those who located in Indonesia, age 17 to 43, using social media, and …
From Fashion To Electronics: Analyzing Shopee Indonesia Email Marketing Content Across Different Product Categories, Tri Anita Rahayu, Irmawan Rahyadi, La Mani La Mani
From Fashion To Electronics: Analyzing Shopee Indonesia Email Marketing Content Across Different Product Categories, Tri Anita Rahayu, Irmawan Rahyadi, La Mani La Mani
ASEAN Marketing Journal
This study explores the email marketing content employed by Shopee Indonesia across various product categories, including fashion, health & beauty, electronics, digital products, and home & living. By analyzing the variations in themes, messaging, and promotional tactics, the research aims to understand how Shopee Indonesia customizes its email content to optimize engagement and conversion rates across these diverse categories. The findings reveal that Shopee Indonesia employs distinct content strategies tailored to the specific characteristics and consumer preferences associated with each category, highlighting the platform's strategic approach to targeted marketing.
The Impact Of Social Media Activities On ‘Labubu The Monsters' Brand Awareness And Brand Image, Grace Javiera Sadihin, Patricia Evelyn Angelika, I Ketut Rangga Wardana Putra, Fari Agil Aryaputra, Theodorus Otniel
The Impact Of Social Media Activities On ‘Labubu The Monsters' Brand Awareness And Brand Image, Grace Javiera Sadihin, Patricia Evelyn Angelika, I Ketut Rangga Wardana Putra, Fari Agil Aryaputra, Theodorus Otniel
ASEAN Marketing Journal
This study aims to investigate the impact of social media activities on brand image and brand awareness. A quantitative study was conducted using a validated questionnaire distributed to a sample of 348 respondents of Gen Z, Gen Y, and Gen X who use social media and are familiar with Labubu The Monsters. Multiple regression analysis was performed using SPSS version 27 to test the hypotheses. The results revealed a significant impact of social media activities on brand awareness and brand image. It was found that entertainment, trendiness, and influencers affect brand awareness, while entertainment, EWOM, trendiness, and influencers affect brand …
Perceived Value And Customer Satisfaction In The Nigerian Airlines Businesses, Adeyemi Abdulwasiu Adebayo, Abdulazeez Alhaji Salau, Abdulazeez Alhaji Salau
Perceived Value And Customer Satisfaction In The Nigerian Airlines Businesses, Adeyemi Abdulwasiu Adebayo, Abdulazeez Alhaji Salau, Abdulazeez Alhaji Salau
ASEAN Marketing Journal
Due to the nature of consumers as being price conscious and their attitude in evaluating if the services rendered by service providers can meet their needs and aspirations, airline service providers need to understand the perceived value of their esteemed customers to ensure that the services rendered are satisfying and can ultimately lead to loyalty. This study investigated the influence of customer perceived value proxy with customer experience and service quality in building satisfaction in the Nigerian Airline business. The study employed a quantitative research design through a survey to collect primary data from domestic customers of the chosen airlines. …
The Effect Of Interpersonal Interaction Factors On Buyers Purchase Intention In Tiktok Livestreaming Of Local Fashion Product, Moza Abel Talitha, Ira Irianty
The Effect Of Interpersonal Interaction Factors On Buyers Purchase Intention In Tiktok Livestreaming Of Local Fashion Product, Moza Abel Talitha, Ira Irianty
ASEAN Marketing Journal
This study aims to determine the interpersonal interaction factors that influence purchase intentions of local Indonesian fashion products on TikTok live stream shopping, based on the SOR theory. The sample of this research is the audience of TikTok live stream shopping of local Indonesian fashion products, living in Jabodetabek, and aged between 18 to 34 years. There were 295 respondents and data were analyzed using PLS-SEM software. According to this study, Perceived similarity is positively related to Swift guanxi. In addition, Perceived similarity and Perceived responsiveness are positively related to Initial Trust. Swift guanxi and Initial Trust are positively related …
Donation Collection Method: Nudging To Minimize Cost Aversion, T. Ezni Balqiah, Dianti E. Kusumawardhani
Donation Collection Method: Nudging To Minimize Cost Aversion, T. Ezni Balqiah, Dianti E. Kusumawardhani
ASEAN Marketing Journal
Manuscript type: Research Article
Research Aims: to analyze the effect of donation collection method (allocation vs addition) and the level of materialism on attitude, total donation amount, program donation amount, and cost donation amount.
Design/methodology/approach: This study used a between-subjects design with randomization. Data was collected through questionnaires administered to participants 18 years old and above, who are Indonesian citizens, resulting in 208 participants (102 participants in the Addition condition and 106 participants in the Allocation condition), and analyzed by ANCOVA.
Research Findings: the result demonstrated only four hypotheses are supported that the significant role of …
Exploring Older Adults’ Enhanced Activities Of Daily Living, Hye Soo Lee, Varitnan Hattakitjamroen, Hannah Morrow, Michael Bixter, Tracy Mitzner, Laura Payne, Wendy Rogers
Exploring Older Adults’ Enhanced Activities Of Daily Living, Hye Soo Lee, Varitnan Hattakitjamroen, Hannah Morrow, Michael Bixter, Tracy Mitzner, Laura Payne, Wendy Rogers
Department of Psychology Faculty Scholarship and Creative Works
The concept of Enhanced Activities of Daily Living (EADL) recognizes that older adults engage in activities that go beyond the basic and instrumental ADLs. EADLs contribute to health, well-being, and social engagement, which are critical for successful aging. However, they are understudied using the ADL framework, including what older adults consider EADLs. We conducted an online survey wherein participants chose four EADLs from 31 activities (e.g., arts and crafts, working, hiking) developed based on the literature and prior interviews. Then, they rated their satisfaction and challenges for each activity (1 = strongly disagree to 5 = strongly agree). The final …
Banyuhay Ng Makabayang Bakla: Ang Naratibo At Pagkakakilanlan Ng Mga Aktibistang Lgbtq+ Sa Metro Manila, Areeya Christine P. Bueno, Kaela Marie G. De Gorio, Precious Aerielle V. Ebardo, Raven Lukas L. Vergara, Belle Beatriex' M. Alemania
Banyuhay Ng Makabayang Bakla: Ang Naratibo At Pagkakakilanlan Ng Mga Aktibistang Lgbtq+ Sa Metro Manila, Areeya Christine P. Bueno, Kaela Marie G. De Gorio, Precious Aerielle V. Ebardo, Raven Lukas L. Vergara, Belle Beatriex' M. Alemania
Dalumat: Multikultural at Multidisiplinaryong E-Journal sa Araling Filipino
Ang salitang banyuhay o “bagong anyo ng buhay” ay isang metapora na sumasalamin sa pag-usbong ng pagkakakilanlan ng mga aktibistang LGBTQ+. Ginamit ang disenyong narrative case study upang masiyasat ang (1) pagbabago sa pagkakakilanlan bago at pagkatapos sumali sa mga pagkilos, (2) mga salik na nag-udyok na kilalanin ang sarili bilang ganap na aktibista, at (3) pagkakakilanlan batay sa mga kategorya ng Social Identity Theory–Self-Categorization Theory (SIT-SCT). Bilang unang hakbang, pinasagutan ng mga mananaliksik ang pre-interview questionnaire upang makakalap ng inisyal na impormasyon sa mga kalahok. Sumunod dito, isinagawa ang semi-structured interview sa anim na kalahok mula sa iba't ibang …
“Do We Play By The Same Rules?”: Exploring The Involvement Of The Magic Circle In Navigating Relationships In Popular Multiplayer Video Games, Nathan Toshihiro A. Villanueva, Julianne Margaret M. Lao, Thea Juliana Alvarez Jocom, Liezl R. Astudillo
“Do We Play By The Same Rules?”: Exploring The Involvement Of The Magic Circle In Navigating Relationships In Popular Multiplayer Video Games, Nathan Toshihiro A. Villanueva, Julianne Margaret M. Lao, Thea Juliana Alvarez Jocom, Liezl R. Astudillo
Sinaya: A Philippine Journal for Senior High School Teachers and Students
Just like leveling up in a game, dating has transcended the physical world into the realm of multiplayer games where individuals are able to communicate and interact with one another within the virtual third space, the magic circle–the boundary that separates life from play. Within these immersive environments, players create shared experiences that often extend beyond the screen, blurring the line between in-game interactions and real-life emotions. This blurring can lead to emotional spillovers and identity challenges as players navigate the complexities of digital intimacy in world and relationship formation. To define the fluidity of the magic circle, the study …
Digital Leadership In The Era Of Ai: Present And Emerging Research Topics, Joanna Samul, João Falcão E Cunha
Digital Leadership In The Era Of Ai: Present And Emerging Research Topics, Joanna Samul, João Falcão E Cunha
European Management Studies
Purpose: This study explores the development of digital leadership in the context of rapid digital transformation and the expanding role of artificial intelligence. Its primary objective is to synthesize current knowledge on the concept of digital leadership and its core competencies and outline prospective research directions. To achieve this, the paper reviews existing research themes and examines the influence of digital leadership on various employee and organizational outcomes.
Design/methodology/approach: The research employed a systematic literature review, incorporating content analysis of 162 peer-reviewed articles retrieved from two major academic databases: Scopus and Web of Science. This approach enabled a comprehensive …
The Central Bank Supervision Stringency On Bank Stability, Sara Eliufoo, Judika King'ori
The Central Bank Supervision Stringency On Bank Stability, Sara Eliufoo, Judika King'ori
Tanzanian Economic Review
This study examines the relationship between central bank supervision stringency and bank stability in Tanzania, focusing on 45 licensed banks. Specifically, it assesses the influence of regulatory capital stringency, loan loss provisioning stringency, and loan diversification stringency on bank stability. Guided by Agency Theory and Credit Risk Management Theory, the study adopts a quantitative research design. Primary data were collected using structured questionnaires administered to 225 bank employees, including credit, finance, internal audit, risk, compliance, and human resource officers. Data were analyzed using Structural Equation Modelling (PLS-SEM) via SmartPLS 4.0. Rigorous data screening addressed missing values, outliers, and measurement errors. …
Reimagining Pain: The Role Of Mental Imagery In Pain Experience, Jemma Todd, Louise Sharpe, Julie Ji, Brydee Pickup, Tessa Rooney, Emily A Holmes
Reimagining Pain: The Role Of Mental Imagery In Pain Experience, Jemma Todd, Louise Sharpe, Julie Ji, Brydee Pickup, Tessa Rooney, Emily A Holmes
School of Psychology
No abstract provided.
Relationships With Tax Authorities As A Determinant Of Tax Consultant Performance In Indonesia, Riana Sitawati, Oei Kezia Christina
Relationships With Tax Authorities As A Determinant Of Tax Consultant Performance In Indonesia, Riana Sitawati, Oei Kezia Christina
Jurnal Akuntansi dan Keuangan Indonesia
Background: Tax consultants are central to supporting taxpayer compliance in Indonesia. While technical competence is essential, their performance also depends on constructive engagement with tax authorities, an aspect rarely examined in the Indonesian context. Methods: This study employed a quantitative survey of 158 licensed tax consultants in Indonesia. Data were analyzed using Structural Equation Modeling (SEM-PLS) to test the direct and mediating effects of technical skills and relationships with tax authorities on job performance. Findings: The results indicate that technical skills significantly improve both relationships with tax authorities and perceived job performance. Furthermore, relationships with tax authorities mediate the effect …
Digital Transformation And Its Role In Achieving Sustainable Competitive Advantage: Entrepreneurial Capabilities As A Mediating Variable – An Analytical Study Of A Group Of Private Banks, Kamal Kadhim Al-Hassani, Ali Matar Abd
Digital Transformation And Its Role In Achieving Sustainable Competitive Advantage: Entrepreneurial Capabilities As A Mediating Variable – An Analytical Study Of A Group Of Private Banks, Kamal Kadhim Al-Hassani, Ali Matar Abd
Muthanna Journal of Administrative and Economics Sciences
This study aims to explore the mediating role of entrepreneurial capabilities in the relationship between digital transformation and competitive advantage in the Iraqi banking sector. The study adopted a descriptive-analytical approach, and data were collected through questionnaires distributed to 235 managers in private banks in Iraq, using a structured survey instrument. Structural Equation Modeling (SEM) was employed via AMOS v.25 to analyze the data and test the hypothesized relationships. The results revealed a statistically significant positive relationship between digital transformation and competitive advantage, highlighting the pivotal role of digital transformation in enhancing banks’ ability to achieve competitive superiority. More importantly, …
Investigating The Role Of Cornichon-Homolog 3 (Cnih3) In Opioid Use, Contributing Risk Factors, And Associated Neural Substrates, Tania Lintz
Arts & Sciences Graduate Student Theses and Dissertations
Opioid misuse remains rampant as potent synthetic opioids such as fentanyl flood the market. Large-scale genetic tools like the GWAS identify previously unrecognized targets and biomarkers in opioid misuse with the hopes of combating the opioid epidemic and opioid use disorder (OUD). One such target is the AMPA receptor (AMPAR) auxiliary protein Cornichon Homolog-3 (CNIH3), which determines AMPAR subunit composition and kinetics. Though CNIH3 was identified as a gene of interest in OUD, its role in opioid use and accompanying risk factors has not been studied. Using mice with a CNIH3 deletion, we assess the role of CNIH3 in risk …
Prevalence Of Psychological Distress Among Parents Of Children With Autism In Al-Diwaneyah Province/Iraq, Noor Abdulmahdi Alrabeeah, Abdulzahra Al-Khafaji
Prevalence Of Psychological Distress Among Parents Of Children With Autism In Al-Diwaneyah Province/Iraq, Noor Abdulmahdi Alrabeeah, Abdulzahra Al-Khafaji
Al-Qadisiyah Medical Journal
Background: Families suffer from a lot of psychological pressure in accepting their child’s illness, especially if the disorders are affecting their mental and psychological development, such as autistic spectrum disorder. Aim: The study aimed to evaluate the extent of psychological distress among parents of children with autistic disorder and its association with the socio-demographic characteristics of their children with autism.Material and Method: A descriptive analytical study conducted during the period from January 15, 2023, to December 1, 2023, on a sample of voluntary participants consisting of 120 parents in Al-Diwaniyah Teaching Hospital. Data were collected through the use of a …
Adapting To Price Fluctuations: A Case Study Of Street And Market Vendors In Tarlac City, Gavie A. Mariñas, Roselyn V. Magapuro, Ivan Karlo S. Pating
Adapting To Price Fluctuations: A Case Study Of Street And Market Vendors In Tarlac City, Gavie A. Mariñas, Roselyn V. Magapuro, Ivan Karlo S. Pating
Sinaya: A Philippine Journal for Senior High School Teachers and Students
This study examined the experiences and adaptive strategies of vendors in response to price fluctuations using a qualitative case study approach. Focusing on a bounded case of six purposively selected street and market vendors, the study identified patterns of resilience, negotiation, and vulnerability by emphasizing how vendors deal with uncertainty in a fluctuating economic environment. One of the most significant findings was a considerable drop in sales across vendors following price increases, resulting in fewer client visits. Despite their resourcefulness, vendors have challenges due to limited government assistance, which frequently forces them to rely primarily on their own abilities. Based …