Business Commons^™

A Credit Analysis Of The Unbanked And Underbanked: An Argument For Alternative Data, Edwin Baidoo

Doctor of Data Science and Analytics Dissertations

The purpose of this study is to ascertain the statistical and economic significance of non-traditional credit data for individuals who do not have sufficient economic data, collectively known as the unbanked and underbanked. The consequences of not having sufficient economic information often determines whether unbanked and underbanked individuals will receive higher price of credit or be denied entirely. In terms of regulation, there is a strong interest in credit models that will inform policies on how to gradually move sections of the unbanked and underbanked population into the general financial network.

In Chapter 2 of the dissertation, I establish the …

2020-04-15 Resolution Regarding Online Teaching, Morehead State University. Faculty Senate.

Faculty Senate Records

A resolution regarding online teaching submitted to the Faculty Senate on April 15, 2020.

2020-04-15 Online Teaching Statement, Morehead State University. Faculty Senate.

Faculty Senate Records

A statement on the shift to online education submitted to the Faculty Senate on April 15, 2020.

Advancing U.S. Latino Entrepreneurship: A New National Economic Imperative, Marlene Orozco, Alfonso Morales, Michael J. Pisani, Jerry I. Porras

Purdue University Press Books

Advancing U.S. Latino Entrepreneurship examines business formation and success among Latinos by identifying arrangements that enhance entrepreneurship and by understanding the sociopolitical contexts that shape entrepreneurial trajectories. While it is well known that Latinos make up one of the largest and fastest growing populations in the U.S., Latino-owned businesses are now outpacing this population growth and the startup business growth of all other demographic groups in the country.

The institutional arrangements shaping business formation are no level playing field. Minority entrepreneurs face racism and sexism, but structural barriers are not the only obstacles that matter; there are agentic barriers and …

A System Dynamic Model For Application Of Blockchain In The United States Electricity Sector, Oluwafemi Ezekiel Oyeniran

Morehead State Theses and Dissertations

A thesis presented to the faculty of the College of Business and Technology at Morehead State University in partial fulfillment of the requirements for the Degree Master of Science by Oluwafemi Ezekiel Oyeniran on April 14, 2020.

Bigenderism At Work: Organizational Responses To Trans Men And Trans Women Employees, Joel Rudin, Tejinder Kaur Billing, Andrea Farro, Yang Yang

Rohrer College of Business Departmental Research

This study aims to test bigenderism, a universalistic theory that purports to explain why trans men employees enjoy greater organizational acceptance and superior economic outcomes compared to trans women employees. Respondents were presented with one of two case studies in which they had to choose whether or not to respect the right of a trans employee to use the restroom of their choice at work. The only difference between the two case studies was the gender of the trans employee. In one case, the employee was a trans man and in the other case, the employee was a trans woman. …

Behavioral Finance Of Impact Investing: The Case Of Donor-Advised Funds, Eric Hangen, Michael E. Swack, Jordan Hensley

Carsey Publications

Undeployed charitable assets in donor-advised funds (DAFs) reached $121.4 billion in 2018‒including $33.9 billion at Community Foundations. Most of these undeployed funds are invested in conventional financial instruments. However, DAFs present a unique opportunity to promote impact investing into the local community, including Community Development Financial Institutions that serve their local communities. In this report, authors Eric Hangen, Michael Swack, and Jordan Hensley discuss the results of their study to see whether DAF donors’ choices of how to invest undeployed funds can be influenced by a change in how donor choices are presented, with the intention of increasing the percentage …

School Of Health Sciences Donates Personal Protective Equipment To Ssm Health, Lindenwood University

Archived Lindenwood Press Releases

No abstract provided.

2020-April-14-Etsu Adds Fast-Track Program For Gatton College Of Pharmacy, University Marketing And Communication, East Tennessee State University

ETSU News

JOHNSON CITY (April 14, 2020) – East Tennessee State University is expanding early admission opportunities for ETSU undergraduates who want to attend Bill Gatton College of Pharmacy.

The university recently approved a new 3+1 degree completion program for biology and chemistry majors in the College of Arts and Sciences and health sciences majors in the College of Public Health.

The 3+1 program allows students in these majors to matriculate after three years to Gatton College of Pharmacy, if accepted, and complete their Bachelor of Science in their respective majors after successful completion of their first year in the PharmD program. …

The Passion Bug: How And When Do Leaders Inspire Work Passion?, Violet Ho, Marina N. Astakhova

Management Faculty Publications

Drawing from signaling theory, we propose a work passion transfer model where leaders' passion is transmitted to employees through the former's leadership style and is contingent on employees' perceived importance of performance to self-esteem (IPSE). Data from 201 supervisor–employee dyads from the health-care industry show that leaders' harmonious passion led to employees' harmonious passion through charismatic leadership, whereas contingent reward leadership accounted for the transfer of obsessive passion; IPSE did not play a moderating role for either form of passion. Results from a supplementary study further reveal that the link between leadership and employee passion operated through employees' perception of …

Australian National Audit Office: Evaluating Australian Army Program Performance, Bert Chapman

Libraries Faculty and Staff Scholarship and Research

The Australian National Audit Office (ANAO) evaluates the management and financial performance of Australian government programs for the Australian Parliament, Australian government agencies, Australian taxpayers, and individuals interested in the performance of these programs globally. This article examines how ANAO has examined the performance of Australian Army programs and strengths and weaknesses found in these programs while recommending changes to improve program performance. It also examines how government agencies and corporations which have been the subject of ANAO analyses have reacted to ANAO findings. This assessment also examines how Plan B (the possibility that Australia might have to rely less …

Review Of Documentary: Common Roads - Pilgrimage And Backpacking In The 21st Century By Tommi Mendel, Pedro Ricardo Coelho De Azevedo

International Journal of Religious Tourism and Pilgrimage

No abstract provided.

Islamic Tourism And Sustainable Development: From Utopia To Reality, Rehailia Hassib, Saadsi Ibtissem

International Journal of Religious Tourism and Pilgrimage

Tourism is a key player in development, and an valuable factor of solidarity and dynamism in international exchanges. It is a flourishing sector, and one of the largest industries in the world; in many regions, it is the only major source of investment and employment. It is also one of the main vehicles for the construction and promotion of the image of a country as a whole. In this perspective, it is pertinent to ask what the vision of Islam is and how do the proposed answers link with tourism, development and nature conservation. This Islamic kind of tourism which …

Opportunities And Challenges Of Religious Tourism Development In Uganda: Policy, Planning And Institutional Perspectives, Jim Ayorekire, Joseph Obua, Francis Mugizi, Bruce Micheal Byaruhanga

International Journal of Religious Tourism and Pilgrimage

Religious tourism is a steadily growing tourism product niche in Uganda after wildlife-based tourism. However, limited research has curtailed planning and development of religious tourism in the country. As a contribution to knowledge on his subject, this paper analyses the tourism policy, planning and institutional frameworks as a precursor to harnessing the potential of religious tourism in the country. Applying a mixed methods approach, the evolution of religious tourism in Uganda was reviewed. To examine actor perceptions and benefits of religious tourism, two case studies were undertaken with the help of a structured questionnaire and key informant interviews. A SWOT …

Buddhist Pilgrimage In Bihar India: A Tourism Policy Perspective, Amitabh Upadhya, Manoj Kumar, Mohit Vij

International Journal of Religious Tourism and Pilgrimage

Tourism policies formulated and implemented by the union and state governments of India and Bihar respectively, over the past five decades, have played a significant role in attracting religious tourists to the Buddhist sites in Bihar from all across the world. This exploratory research is a historiographical narrative of Buddhist tourism in view of tourism development policies and plans. The study finds that favourable and effective policies have increased domestic and foreign tourism in India, especially international Buddhist pilgrimage to Bihar. However, the state of Bihar still needs better policies and marketing to promote Buddhist tourism. The paper explores the …

Pilgrimage As A Field Of Tourism Development: The Case Of Kavala (Northern Greece) And Its Institutional And Cultural Challenges, Thomas Bausch, Tilman Schröder, Alexey Gunya

International Journal of Religious Tourism and Pilgrimage

Developing pilgrimage tourism requires a set of unique attractors, as well as efficient destination governance structures that manage such attractors and balance stakeholder interests. This study analyses the development of pilgrimage tourism in Kavala (Northern Greece), a city with unique religious and cultural attractors connected to the Apostle Paul. By deploying a mix of literature review, on-site analysis and interviews with twelve local stakeholders, this paper first examines the general potential for pilgrimage tourism in the region and gives recommendations for its development. Subsequently, the study evaluates the progress of pilgrimage tourism development in Kavala after one year. The findings …

Core Dimensions Of Islamic Hotel Service: Towards Their Promotion In The Global Marketplace, Ahmad Azmi M. Ariffin

International Journal of Religious Tourism and Pilgrimage

This study works to identify the core dimensions of the so-called ‘Islamic Hotel’. The main purpose is to provide some insights on how the resulting dimensions could be utilised as a competitive advantage to promote Islamic Hotels in the global market rather than to confine them merely to the Muslim segment. This study involving 782 tourists and employed both in-depth interviews and questionnaire surveys as the methods for data collection. The results of the Exploratory Factor Analysis showed that there are seven dimensions of Islamic Hotels, labelled as Aurat, Halal Food, Mahram, Ibadah, Islamic Entertainment and Decoration, Islamic Management and …

A Naturalistic Inquiry Of Pilgrims’ Experience At A Religious Heritage Site: The Case Of A Shaktipitha In India, Harveen Bhandari, Amit Mittal

International Journal of Religious Tourism and Pilgrimage

Religion in the Indian context is an inseparable element that dominates Indian lives, culture and psyche wherein significant number of people undertake pilgrimages every year. Pilgrims travel to different religious sites spread throughout the country and an intimate bonding exists between people and religious sites that invariably constitute their heritage. The worship of deities is a significant and popular ancient custom in the history of Indian culture. Pilgrims to any religious heritage site participate in different activities and their involvement in these activities builds their spiritual experience. So, the purpose of this research was to investigate the pilgrims experience at …

The Still Center As Invented Topos: Static Pilgrimage In Aristasia, Rozalija Grace

International Journal of Religious Tourism and Pilgrimage

After decades of challenges to many other definitional elements of ‘pilgrimage’, the centrality of motion and physical movement, whether literally enacted or realized virtually or through metaphor, remains largely uncontested. This paper examines practices of creative writing and home decorating among participants in the 1990s British subculture of ‘Aristasia’ (an outgrowth of a New Religious Movement known in the 1970s and 80s as ‘Madrianism’ but now more commonly referred to as ‘Filianism’) to argue that these practices functioned together for participants as static pilgrimages, accomplishing the same psychological and social tasks as traditional modes while suppressing even metaphorical concepts of …

Promoting Culinary Heritages As A Destination Attraction: A Case Study Of Ancient Temple Food ‘Mahaaprasaada’, Debasis Sahoo

International Journal of Religious Tourism and Pilgrimage

The growth of the food tourism segment in the last two decades has opened enormous scope for the marketing & promotion of ‘indigenous food products’ which otherwise remain limited to a particular region. These unique culinary products have created special segments like food & wine tourism, oleo tourism, whiskey tourism, beer tourism, and religious food tourism (like Halal & Kosher tourism). From this perspective ‘religious culinary heritage’ (practiced in ancient Hindu temples) shows a huge potential to be marketed as a tourism attraction, however, there are very few studies about this topic. Hence the present research identifies and analyses the …

A Study Of Mazuism Religious Tourism In Taiwan: An Example Of Dajia Jenn Lann Temple, Chang Hsiao-Ming, Lin Ching-Hui, Huang Yen-Chen

International Journal of Religious Tourism and Pilgrimage

Although the study of Mazuism has been popular among scholars, few have attempted to touch upon its religious tourist behaviour; however, as the purpose of their travel is to worship at the Mazu Temple, it is thus, a tourism destination. Therefore, from the perspective of religious sustainable operation, it is important to understand the tourist behavior patterns of religious tourists visiting Mazu Temple. The purpose of this study is to analyze the interrelationships between destination image, service quality, perceived value, satisfaction, and behavioural intention. This study is conducted with convenience sampling methods for tourists visiting Jenn Lann Temple in Dajia, …

Faith-Based Activities And Tourism: Exploiting The Possibilities For Religious Tourism Development In Anaocha Local Government Area, Nigeria, Emeka Okonkwo, Afamefuna Eyisi, Daniel Okoye

International Journal of Religious Tourism and Pilgrimage

Over the years, people have travelled for various motivations, giving birth to various types of specific interest tourism. The result is that various scholars have devoted their research to these specific areas of tourism. One such area of tourism that has grown exponentially is religious tourism (which some scholars also called spiritual tourism). This type of tourism explores travels motivated by the desire to visit places that inspire an individual’s belief system and to meet with people that share the same faith. Our study aims to understand the faith-based activities and religious centres in Anaocha Local Government Area (LGA) of …

The Impact Of Islamic Destination Attributes On Saudi Arabians’ Decision To Visit Jakarta: Tourism Destination Image As A Mediating Variable, Agus Sudigdo, Gamal Sayed Ahmed Khalifa

International Journal of Religious Tourism and Pilgrimage

This research aims to examine the influence of Islamic attributes of destinations, which include worship facilities, halalness, and general Islamic morality, on Saudi Arabians’ decision to visit Jakarta with tourism destination image as a mediating variable. The research data were obtained from 200 respondents who visited Jakarta and completed the administered questionnaires. The analysis was carried out using the SEM technique with AMOS software. The results show that the Islamic attributes of the destination have a significant effect on the decision to visit Jakarta with tourism destination image as a mediating variable. The findings of this research show that more …

Hindu Religious Motivations In Kashmir Valley, Hafizullah Dar

International Journal of Religious Tourism and Pilgrimage

This research is an endeavor to assess the Hindu religious motivations in Kashmir valley (in India). Using a quantitative research approach, 267 Hindu pilgrims in Kashmir valley were asked to complete questionnaire to carry out this study. One sample t test and linear correlation modus operandi were introduced for testing assumptions of the study. It is evident from the study context that for centuries, the Kashmir valley has cultivated the religious history of the Hindu faith, which is palpable from the many sacred Hindu sites across the Valley. The study results revealed that the Kashmir valley is a significantly important …

Volume 8(Iii) Table Of Contents, Kevin A. Griffin, Carlos Fernandes, Razaq Raj

International Journal of Religious Tourism and Pilgrimage

No abstract provided.

The Impact Of Board Composition And Activity On Non-Performing Loans, Md Nurul Islam

2020 Awards for Excellence in Student Research and Creative Activity

This paper examines the impact of board composition and activity on bank non-performing loans (NPLs). The empirical evidence suggests that NPLs are negatively related to board independence, separation between the CEO and chairman roles, directors with financial expertise, and the frequency of committee meetings. Additionally, we find that, during the financial crisis period (2008–2009), a large board size and the presence of female directors may also help lower NPLs. The results support the hypothesis that shareholder-friendly bank boards and active boards are more effective monitors, and thus help lower bank’s NPLs.

How Can Libraries Move Towards A More Inclusive Model Of Reference? A Practical Approach To Serve Distance Students, Lauren Puzier, Camille Chesley, Amanda M. Lowe

University Libraries Faculty Scholarship

Research consultations are a valuable service offered by academic libraries for students who are able to visit the library, however, many students enrolled in online degree programs or considering enrollment have limited access to campus services. We designed and tested a virtual reference consultation service for distance learners and graduate students. This interactive poster outlines a practical approach for designing and initiating a virtual research consultation service to offer equitable access to library services and a positive user experience for distance learners.

System Usage: A Shared Mental Model Perspective, Rooji Sugathan

Dissertations

The failure rate of Information Systems (IS) projects is high and has been high for many years. Failed IS projects leave organizations with systems that have very low usage and a negative rate of return on their investment. System use is a key measure of IS success. User participation and involvement (UPI) during application development and configuration are key factors that influence system use. However, empirical studies have shown mixed results for the influence of UPI on system use.

This study explores the extent to which shared mental model (SMM) of a project team influences the impact of UPI on …

2020-April-13-Adobe Certification, University Marketing And Communication, East Tennessee State University

ETSU News

JOHNSON CITY (April 13, 2020) – The East Tennessee State University Department of Media and Communication is offering its students the opportunity to train and test in five Adobe Creative Cloud programs while social distancing and working from home.

Students choose one or two programs to study – Photoshop, InDesign, Premiere Pro, Illustrator and/or After Effects – and then take the Adobe Certified Associate (ACA) exam. All training and testing is delivered 100% online, and participation is free to ETSU Media and Communication majors. Currently there are 89 students participating in the program.

In normal circumstances, students would have three …

2020-April-13-Fitness Friday Virtual 5k, University Marketing And Communication, East Tennessee State University

ETSU News

JOHNSON CITY (April 13, 2020) – East Tennessee State University’s Department of Campus Recreation is hosting a free Fitness Friday Virtual 5K on Friday, April 17.

As students continue spring courses online, ETSU Campus Recreation has also moved online in response to COVID-19.  Savanna Moeller, an avid runner and coordinator of Operations and Aquatics for Campus Recreation, took the idea to connect virtually during this time of social distancing and “ran with it.”  

“Many may be wondering–what is a virtual 5K?”

“A virtual 5K is a 3.1 mile run, walk, hike, or wheelchair event to promote physical activity in this …