Business Commons^™

Effects Of Microfinance Bank Credit On Small And Medium Scale Businesses: Evidence From Alimosho Lga, Lagos State., Charles Onyeiwu Ph.D, Obumneke Bob Muoneke, Adekunle M. Abayomi

The Journal of Entrepreneurial Finance

The purpose of this research is to examine the impact of microfinance bank credit and its debt servicing on the profitability of SMEs in Alimosho Local Government Area, Lagos State, Nigeria. A survey was carried out involving 387 SMEs in Alimosho LGA, Lagos State and information was extracted using a well-structured questionnaire to answer research hypotheses raised. Evidence from the simple linear regression outputs of SPSS v.25 shows that that MFBs loans and MFBs loans debt service deteriorates significantly the profitability of selected SMEs in the Alimosho local government area of Lagos state. Policy recommendations to the Federal Government, commercial …

Financing Of Small And Medium Scale Enterprises And Its Growth Impact In Nigeria., Charles Onyeiwu Ph.D, Obumneke Bob Muoneke, Udo Nkoyo

The Journal of Entrepreneurial Finance

Abstract: We examined the extent to which SMEs financing influenced economic growth in Nigeria through the use of time-series data from 1999-2018. After a literature search, other factors possessing the potential to influence the dependent variable ASGDP was added to the research model. Relying on Ordinary Least Squares estimation using E-views 10.0, findings shows that lending rate reduces ASGDP by 7% and gross capital formation reduces ASGDP by 5%. On the other hand, surprisingly, credit to SMEs did not retain the massive effect on growth as seen in previous studies. We can attribute this to our choice of adopting SME …

Bacterial Vaccines Deficient In The 2-C-Methyl-D-Erythritol-4-Phosphate Pathway And Methods Of Preparation And Use Thereof, Keith Bahjat, Yoshinobu Koguchi, Alejandro F Alice

Technology Transfer - Patents

The present invention relates to the preparation and use in primates of whole organismvaccines in which the MEP pathway is disrupted such that synthesis of HMBPP by the bacterial cells is substantially blocked. The data provided demonstrates that, when bacteria or other vaccine vectors that comprise an active MEP pathway are used in vaccine methods, the .gamma..delta. T cell response dominates, potentially clearing the vaccine strain via .gamma..delta. T cell-mediated killing of vector infected antigen presenting cells and reducing its utility as a stimulator of a productive adaptive immune response, specifically priming or boosting of CD4.sup.+ and CD8.sup.+ .alpha..beta. T …

Moderating Role Of Gender Diversity Over The Nexus Between Board Characteristics And Earnings Management In Malaysia, Tonoy Roy

Student Works (2020-2029)

In a large number of studies, it has been found that accounting manipulation is more prone to exist among the financially distressed companies. The manipulation moves were taken by the top management to portray a rosy picture of the firm

The Effect Of Remote Working On Employees Wellbeing And Work-Life Integration During Pandemic In Egypt, Bassant Adel Mostafa

Business Administration

The study aims to enrich employers' understanding of how employees perceive remote working Post COVID-19's quarantine period and its effect on employees' psychological wellbeing and work-life integration in Egypt. A structured questionnaire was distributed post-COVID-19 pandemic lockdown period on a sample of 318 employees who are supposed to be working remotely in different sectors from home. Correlation and regression analyses were conducted to test the research hypotheses. The results suggest a significant positive effect of employees' perception of remote working on psychological wellbeing and work-life integration. Simultaneously, there is a significant negative effect of employees' perception of remote working and …

Stakeholder Experiences With Arts-Based University-Community Partnerships In General Education, Veronica Leone Matthews

USF Tampa Graduate Theses and Dissertations

University-community partnerships (UCPs) have significant potential as a way for universities to connect with communities and provide students with High Impact Practices (HIPs). Despite over 20 years of literature calling for increased community engagement, institutions of higher education have been slow to integrate UCPs into the General Education curriculum. Certain components have been identified as necessary for the effectiveness and sustainability of UCPs. However, little is known about the experiences and perceptions of key stakeholders including students, faculty, and community partners who participate in arts-based UCPs. This study investigated these stakeholders’ perceptions regarding participating in arts-based UCPs as part of …

Junior Faculty Advising For Effective Student Growth And Academic Success: A Qualitative Study, Noreen Powers, Russell Wartalski

Teacher-Scholar: The Journal of the State Comprehensive University

Supporting the academic advising needs of adult learners is paramount for colleges and universities. Research suggests that the faculty advisor's role is pivotal in students' academic progress. At both the undergraduate and graduate levels, faculty advisors are tasked with supporting adult learners in achieving their professional goals and providing resources to ensure their academic success. Specifically, they help students navigate curriculum requirements and provide support both inside and outside the classroom. The tasks and responsibilities associated with faculty advising can vary based on the institution type and program needs. However, junior faculty who take on advising responsibilities at regional public …

2021-February-23-Celebrating M Wayne Dyer And His Students, University Marketing And Communication, East Tennessee State University

ETSU News

JOHNSON CITY (Feb. 23, 2021) – The Reece Museum at East Tennessee State University is currently hosting two exhibits celebrating the career and influence of a longtime professor of art. “Field of Life: Monument Structures,” which explores the artistic career of M. Wayne Dyer, and “Depth of Fields” featuring artworks by his former students, are on display through March 19 and March 26, respectively.

“Field of Life: Monument Structures” is a retrospective spanning 50 years of work from 1970 through 2020. Dyer began teaching at ETSU in the fall of 1983. He earned an A.S. in graphic design at Virginia …

Assessment Of The Blockchain Technology Adoption For The Management Of The Electronic Health Record Systems, Saeed Mohammed Alzahrani

Dissertations and Theses

Blockchain is an emerging technology that holds great promises in healthcare despite slow adoption and previous unsuccessful implementation projects. Blockchain adoption in healthcare has been slow, partly because healthcare is a heavily regulated and complex industry. Blockchain applications span various areas of healthcare such as patient data management, health information exchange, health supply chain management, financial and insurance claims, clinical trial, biomedical devices tracking, and pharmaceutical counterfeit. The main challenges with blockchain technology in healthcare are: scarcity of real applications, the high level of failing projects, and the need for various parties to function together. There is, however, a lack …

Mathematical Modeling On Islamic Economics And Finance: A Scientometric, Aam Slamet Rusydiana, Yulizar Djamaluddin Sanrego, Wahyu Ario Pratomo

Library Philosophy and Practice (e-journal)

This study aims to determine the development map of mathematic model in islamic economics and finance research that is indexed by Dimensions with the keyword "Mathematical in Islamic economics finance". The data analyzed were 76 selected publications. The development map of mathematic model in islamic economics and finance research analyzed using the Biblioshiny-R and VOSviewer application program to find out the bibliometric map. The results showed that the number of publications on the development of mathematic model in islamic economics and finance research from 1980-2020 experienced a significant increase and the highest impact …

Demographic And Psychological Determinants Of Consumerism And Purchase Intention In The Middle East Markets, Fadye Saud Alfayad

AAU Journal of Business and Law مجلة جامعة العين للأعمال والقانون

This study explores the way in which the market research function can facilitate entry into developing markets by analysing the demographic, and psychological parameters of the Arab consumers in the gulf countries. After collecting data from real participants (n=601), partial least squares approach to structural equation modelling (PLS-SEM) was used to analyse the latent variables and their indicators. The results indicate that developing markets benefit from in-depth market research functions to flesh out the plan for a product, service or brand. This research function should utilize demographic data to segment the target market into more manageable sections. The psychological determinants …

Trends Of University Students Towards The Use Of Youtube And The Benefits Achieved - Field Study On A Sample Of Al Ain University Students, Rahima Aissani, Ghaleb Awad Elrefae

AAU Journal of Business and Law مجلة جامعة العين للأعمال والقانون

The study focuses on revealing Al Ain University students ’attitudes toward using YouTube and the achieved gratifications. To achieve this goal, three main questions have been asked: To what extent do Al Ain University students use YouTube? What are the motivations for Al Ain University students to use YouTube? And what are Al Ain University students ’attitudes toward using YouTube? The study adopted the available sample method, and the descriptive survey method for You-Tube users. The most important results of the study were as follows: - YouTube ranked fourth in the order of usage rates for the sampled students. - …

Consumers Beware: How Are Your Favorite "Free" Investment Apps Regulated?, Siqi Wang

Duke Law & Technology Review

The proliferation of free or low-cost investment apps has disrupted the financial industry in recent years. Major brokerage firms have been pressured to go to zero fees due to intense competition from their fintech counterparts. While these apps have extended their products and services to those underserved by traditional brokers, some of their practices raise consumer protection concerns. Namely, the practice of “payment for order flow,” which helps fintech startups sustain a zero-commission model, could lead to subordinating customers’ best interest to market makers who acquire their retail orders from these fintech startups. Further, “cash management accounts,” newly popular among …

Explanatory Memorandum, Proposed Statements On Quality Management Standards -- Quality Management -- A Firm's System Of Quality Management Engagement Quality Reviews; Proposed Statement On Auditing Standards, Quality Management For An Engagement Conducted In Accordance With Generally Accepted Auditing Standards; Exposure Draft (American Institute Of Certified Public Accountants), 2021, February 4, American Institute Of Certified Public Accountants. Auditing Standards Board

Exposure Drafts, Comment Letters, and Statements of Position

No abstract provided.

Bibliometric Analysis Of Articles On Accounting And Covid-19 During The Pandemic, Irman Firmansyah, Aam Slamet Rusydiana

Library Philosophy and Practice (e-journal)

This study aims to investigate articles with the theme of accounting and covid-19 published during the pandemic and indexed by Dimension (https://dimension.ai) with a focus on an analysis of journals, articles, and keywords. The articles analyzed were as many as 150 documents using bibliometric analysis with the help of R Biblioshiny software. The results showed that from several journals that published articles on the theme of accounting and covid-19, the themes discussed were not only focused on accounting but themes extended to other themes such as environment, science, energy, and health. The journal that publishes this theme the most frequently …

The Effects Of Social Spending On Entrepreneurship In Developed Nations, Shelby Solomon, Joshua S. Bendickson, Eric W. Liguori

Rohrer College of Business Departmental Research

Understanding how national policy can spur entrepreneurial activity is central to entrepreneurship research. Over the past decade, there has been a limited set of research findings to suggest that social spending may increase entrepreneurship in addition to serving more direct social purposes. We examine the topic through the lens of market failure theory and Austrian economics. In accordance with the Austrian perspective, we theorize that social spending increases the opportunity cost of entrepreneurship, thereby decreasing the attractiveness of entrepreneurship in comparison to salaried employment. Drawing from a sample of 31 developed countries spanning 2004–2011, we investigate the effects of social …

Visions And Scenarios Of People And Science And Technology Development To 2030, Fuhai Leng, Hong Li, Jianfang Wang, Zhongyang Xi, Qiuju Zhang, Xiaoyi Chen, Chunlei Ge, Dong Liu, Jing Ye, Xiaoqi Jia, Chao Li, Chao Ai, Huajun Cao

Bulletin of Chinese Academy of Sciences (Chinese Version)

In the next 10 to 15 years, scientific and technological progress will change the industrial structure and global economic growth, and will profoundly change people’s needs for food, clothing, housing, transportation and their forms of the needs to meet. Based on the foresight analysis data of economic, social, and technological development from major countries and international organizations or big enterprises, with the method of information and knowledge element analysis, this study describes humanbased vision from the following five aspects, life, work, health, information, and safety. For each aspect, we put forward some social development trends, visions, specific scenarios, and key …

Policy Overview (January, 2021)

Bulletin of Chinese Academy of Sciences (Chinese Version)

No abstract provided.

2021-February-19-Etsu Hosts Free Transfer Application Week, University Marketing And Communication, East Tennessee State University

ETSU News

JOHNSON CITY – (Feb. 19, 2021) Students looking to transfer to East Tennessee State University in fall 2021 can have their application fee waived during Transfer Application Week, Feb. 22-26.

 The free code BuckyTransfer21 can be used by transfer applicants beginning at 8 a.m. on Monday, Feb. 22, through 5 p.m. on Friday, Feb. 26.

During Transfer Application Week, ETSU will host Virtual ETSU Transfer Days events at local and regional community colleges where students can receive more information on the transfer admissions process, advising, financial aid, scholarships and the Honors College.

A representative from each academic college at ETSU …

2021-February-19-Statement From Etsu President Brian Noland, University Marketing And Communication, East Tennessee State University

ETSU News

The following is a prepared statement President Brian Noland provided to the ETSU Board of Trustees at its quarterly meeting on Friday, February 19, 2021.

This has been a difficult and trying year for our campus, region, and nation as a global pandemic has upended our lives, claimed the lives of loved ones, and disrupted our economy.  Despite the promise of vaccines, pronounced challenges and uncertainties due to COVID remain for our community.  Over the past year we have also witnessed the once peaceful streets of communities across our nation becoming the scene of protests … protests against inequity, violence, …

Board Of Trustees Minutes, Feb. 19 2021, Indiana State University Board Of Trustees

Board of Trustees

No abstract provided.

Staff Council Agenda, Georgia Southern University

Staff Council Meeting Minutes & Agendas

• Call to order
• Consent Agenda
• Presidential Updates and Comments
• Information Sharing and Gossip
• Human Resources Update
• Treasurer report
• Committee Reports
• Old Business
• New Business
• Important dates and Announcements
• Adjournment

Staff Council Meeting Minutes, Georgia Southern University, Staff Council

Staff Council Meeting Minutes & Agendas

No abstract provided.

Conference Report: 6th National Congress Of Tourist Information (Cnit), Portugal, Cristina Leal

International Journal of Tour Guiding and Visitor Attraction Research

Report on the 6th edition of the Portuguese National Congress of Tourist Information (CNIT), December, 2020, Porto, Portugal.

The Tangible And Intangible Heritages Of Iranian Nomads: The Touristic Potential Of Pastoral Nomadism, Hossein Noroozi

International Journal of Tour Guiding and Visitor Attraction Research

Iranian people have a rich and significant history of nomadism and are still in contact with this ancient practice. The purpose of this research is to investigate and evaluate the Iranian nomads’ culture from a touristic and aesthetic viewpoint. The literature shows that well-known cultural tourist attractions possess particular characteristics to become a successful and sustainable product / destination. In this paper, we argue that Iranian pastoral nomads, from a geographical, social, cultural, and artistic perspective, have numerous peculiar characteristics which are attractive to international tourists. Internationally, while the sociocultural frameworks of nomadic societies are at risk of extinction when …

Portuguese Tourist Guides And The Digital Age, Ilidia Carvalho

International Journal of Tour Guiding and Visitor Attraction Research

The experts of tourist information, namely, the tourist guides, are a highly qualified professional class and in continuous training. Many of these professionals seem to have certain limitations in terms of using new technologies, since many of those, working today, were not born in the digital age. They have been obliged to accept these technologies and sometimes tend to look at these new ways of communicating in a sceptical way, mainly because they do not properly know how to use them. These professionals are constantly facing the need to learn how to use these new tools, which have become essential …

Tourist Guides’ Perspectives Of Demarketing The Taj Mahal, Snigdha Kainthola Ms, Pinaz Tiwari Ms, Nimit R. Chowdhary Dr

International Journal of Tour Guiding and Visitor Attraction Research

A UNESCO world heritage site since 1983, the Taj Mahal, located in the city of Agra in India is an important contributor to tourism in India. In the year 2018 alone, approximately 280 million tourists visited the monument. However, the popularity of the site has several negative impacts such as yellowing of the structure, pollution and overcrowding which endangers this built cultural heritage. Due to this, the Archaeological Survey of India (ASI), which is the national authority entrusted with managing heritage sites, has initiated steps to check overcrowding in the Taj Mahal. One of the widely adopted strategies is demarketing. …

Applying Interpretation Principles To A Non-Western (Japanese) Training Context, Naoko Yamada, Jeffrey Skibins, Betty Weiler

International Journal of Tour Guiding and Visitor Attraction Research

Interpretive guides play an indispensable role in achieving tourism and sustainability outcomes. Although interpretation theory and best practice principles are supported by literature, they have been primarily developed in Western countries. Little work has been done to evaluate the cross-cultural applicability of using Western-based interpretation in training non-Western interpretive guides. This study evaluates the use of Western-based interpretive competencies in a Japanese training context. The efficacy of the training was assessed using quantitative and qualitative pre- and post-training data from all 42 trainees. Training programs were successful in improving trainees’ perceptions of the importance of links between individual roles and …

Reflections On How The Covid-19 Pandemic Can Change Tour Guiding, Luis Miguel Brito, Cristina Carvalho

International Journal of Tour Guiding and Visitor Attraction Research

This short editorial paper reflects on the Tour Guiding industry in 2020 and the impact of COVID-19. The paper suggests that while the pandemic and its associated lockdowns has devastated the tourism industry, it has also encouraged those working in the industry to be more innovative and imaginative in their business practices. While the impact of the virus is acknowledged, it is proposed that 2020 may be a turning point in redefining tourism in general and Tour Guiding in particular.

International Journal Of Tour Guiding Research Volume 2(I) Table Of Contents, Kevin A. Griffin, Luis Miguel Brito, Glen Farrugia

International Journal of Tour Guiding and Visitor Attraction Research

No abstract provided.