Miracle-dz/UniFAR-FTUs huggingface dataset:
THE INFLUENCE OF PERCEIVED SERVICES QUALITY, CUSTOMERS’ TRUST, AND THEIR RELIGIOUS AND EMOTIONAL ATTACHMENTS ON CUSTOMER LOYALTY IN THE ISLAMIC BANKING SYSTEM OF PAKISTAN

*Sajjad Hussain **Muhammad Atif Nawaz ***Madiha Riaz ****Ramaisa Aqdas Abstract Islamic banking has growing attention around the globe, especially in Islamic countries such as Pakistan. The situation of the Islamic banking industry in Pakistan has also grown and needs to respond to the issues that are connected with the Islamic banking. Thus, the prime goal of the present study is to investigate the impact of four loyalty indicators such as customer trust, their religious and emotional attachments along with services quality on the customer loyalty of Islamic banks in Pakistan. The data has been obtained from the customers of the Islamic banks by distributing the questionnaires while PLS-SEM has been employed to test the hypotheses. The findings exposed that all four loyalty indicators, such as customer trust, their religious and emotional attachments and services quality, have significant and positive impact on the customer loyalty of Islamic banks in Pakistan. These results provided the guidelines to the regulators that they should develop the policies that enhance the customer loyalty that ultimately improves the situation of Islamic banking in the country.
SEX RATIO, LENGTH-WEIGHT RELATIONSHIPS AND MATURITY STAGES OF SALEMA (SARPA SALPA (LINNAEUS, 1758)) FROM THE CENTRAL ALGERIAN COAST (SOUTHWESTERN MEDITERRANEAN SEA)

The reproductive biology of Salema (Sarpa salpa (Linnaeus, 1758)) was investigated along the central Algerian coast (Southwestern Mediterranean Sea) from January to December 2015. A total of 712 individuals were collected and analysed from artisanal fisheries. The length frequency distribution indicated that males were frequent in the smaller size classes from 13.4 to 32.4 cm, while the females in the larger size classes from 24.5 to 48.8 cm. Characterized a protandrous and hermaphrodite species, the sex changes between 17.9 and 36 cm TL. The highest weights recorded were 446.18 and 1 170.6 g for males and females, respectively. The sex ratio (females: males) of the whole sample showed a homogeneous distribution for both sexes. The length-weight relationships indicated an isometric growth of Sarpa salpa. The length at 50% maturity was 21.31 cm and 33.15 cm for males and females, respectively. Mature males were found between 16.5 and 29.5 cm and females in length classes of 29.5 and 40.5 cm. Gonadosomatic index clearly indicated two spawning periods (spring and autumn) for both sexes.
HIV-related stigma: A negative & intersecting life experience

In 2016, human immunodeficiency virus (HIV) affected over 1.1 million people in the United States. Antiretroviral therapy (ART) medications have allowed HIV-positive individuals to live longer lives, but this has meant greater exposure to HIV-related stigma. This literature review examines how HIV exists as a chronic disease and how HIV-related stigma contributes to a negative life experience. The concept of intersectionality is used to analyze the overlapping identities of (a) gay, bisexual men, (b) women, (c) and youth and adolescents. Even though individuals may be managing their diagnosis, added stress, stigma, and maladaptive coping mechanisms can lead to negative health outcomes. This review reveals the importance of understanding intersectional identities surrounding HIV-related stigma and individuals’ experiences in the societal environment.
Consequences of Phacoemulsification Surgery in Libyan Patients with Pseudoexfoliation Syndrome

http://creativecommons.org/licenses/by/4.0/ Objective. The aim of this study was to evaluate the demographic characteristics and rate of intraoperative complications of phacoemulsification in patients with pseudoexfoliation syndrome (PEX). Methods. A retrospective comparative study of a total of 193 patients, schedules for phacoemulsification in the martyr Sohail Al Atrash eye hospital-Benghazi were included. Demographic parameters like age and sex as well as clinical features including the presence of PEX and intraoperative surgical complications were collected, analyzed and compared to control group without PEX. Results. A total of 193 consecutive patients (89 males and 104 females) aged 40-90 years were included in this study. The mean age was (68.3± 6.5) in the PEX group and (63.1±8.4) in the control group. It was significantly higher in the PEX group compared to controls (P=0.005), with no significant gender differences. Approximately, 193 of these patients (23 with PEX, 170 without PEX as the control group) that underwent phacoemulsification cataract extraction with intraocular lens implantation. There was no statistically significant difference in intraoperative complications between PEX and non-PEX groups. Posterior capsule rupture occurred in 4.3% in PEX and 5.3% in non-PEX, vitreous loss was not presented in PEX compared to 1.8% occurred in non-PEX, dropped nucleus occurred in 4.3% in PEX and 0.6% in non-PEX. Conclusion. Phacoemulsification can be safely performed by experienced hands in cataractous eyes with PEX.
THE RELATIONSHIP BETWEEN DIVIDEND PAYMENT AND EARNINGS QUALITY

This research aims to examine the relationship between dividend payment and earnings quality. In this research, dividend paying status and dividend payout ratio which are features of dividend payment is used as the independent variables and the dependent variable is earnings quality. Earnings quality is measured by absolute value of discretionary accruals. The data in this research is collected from 97 companies from the manufacturing industry listed in the Indonesia Stock Exchange. The period of data collected was from 2013-2015. The research method used in this research is multiple regression where several classical assumption tests are conducted prior to find the result of the model using SPSS 21. The results in this research show that dividend paying status and dividend payout ratio have no significant association with earnings quality, hence there is no evidence of relationship between dividend payment and earnings quality
Late Complications after Alcohol Septal Ablation in a Patient with Hypertrophic Obstructive Cardiomyopathy

(1) Background: Complete atrioventricular block is a well-known complication of alcohol ablation as a septal reduction therapy, implemented in selected patients with hypertrophic obstructive cardiomyopathy (HOCM). It usually occurs during or immediately after the intervention. Rare cases of late complete atrioventricular block (CAVB) have been reported, but data are still scarce in the literature regarding this issue. (2) Case report: We report the case of a 70-year-old male patient, with mild aortic stenosis, but with a significantly degenerated valve and perivalvular tissue, and a nonspecific intraventricular conduction delay, which developed intensely symptomatic CAVB, four months after alcohol septal ablation (ASA) for HOCM, along with left ventricular pressure gradient recurrence. Both problems were resolved by implantation of a dual chamber pacemaker, with pacing optimization to a short atrioventricular interval, along with a maximal tolerated betablocker therapy. With the description of the patient’s treatment and evolution in comparison with other reports and studies, this case report highlights the fact that a close clinical, electrical and echocardiographic surveillance is warranted for this kind of patients, as late CAVB may be a life-threatening complication. Previous electrical conduction problems and degenerated aortic valve and perivalvular tissue may be predisposed for this type of complication, independent of betablocker therapy. This treatment has several other beneficial effects and thus it should not be interrupted after the procedure.
USING SENTINEL IMAGE DATA AND PLOT SURVEY FOR THE ASSESSMENT OF BIOMASS AND CARBON STOCK IN COASTAL FORESTS OF THAI BINH PROVINCE, VIETNAM

Quantitative evaluation of biomass and carbon stored in coastal forests of Thai Binh province (Vietnam) does not only contribute to coast protection, but is also required for emphasizing the forest’s importance in local socio-economic development when participating in the carbon market. This estimation is primarily based on field data (diameter at breast height, height and quantity of tree in 14 surveyed plots), anatomical data (above ground biomass, total biomass and carbon content of 31 sampled trees) and an NDVI map calculated from Sentinel imagery. Mathematical models are used for expressing the relationships: above ground biomass vs. diameter at breast height, height; biomass vs. above-ground biomass; biomass vs. carbon; and aboveground biomass vs. NDVI. The results show the same behavior of above ground biomass, total biomass and carbon stock, they increase with the growth of tree. The exponential model is acceptable for correlating above ground biomass and NDVI, showing higher values in long planted areas and the lower ones in newly formed lands with recently planted mangroves. Biomass and carbon stock in the study area have average productivities of 38.8 t/ha and 19.4 t/ha, respectively. Overall estimations are ca. 292 kilotons of biomass and ca. 146 kilotons of carbon, roughly valuated of US$ 5.9 million.
Stability of Construction Cost-variability Factor Rankings from Professionals’ Perspective: Evidence from Dar es Salaam –Tanzania

Received: Nov 24, 2017 Revised: Jun 08, 2018 Accepted: Jun 25, 2018 This study investigates the stability of professionals’ cost variability factor-rankings across different levels of cost-variability and response scenarios. Descriptive statistics are used to examine the stability of factor-ranking for 20 cost variability factors and a Multinomial Logistic (MNL) regression model was implemented to examine the stability of cost variability factors across three cost variability levels. The finding on the descriptive statistics indicated that professionals’ factors-rankings are stable only for external factors. The MNL regression results on factor-stability suggested that 8 out of the 20 evaluated factors were unstable determinant of lower cost variability levels. These factors are “risk associated with the project”, “personal bias and poor professionalism of the estimators”, “limited time available to complete the project”, “lack of skills and experience by estimator” “geographical location of projects”, “incomplete & rush designs for estimate”, “unforeseen or unexpected site constraints”, “high class bidders for the contractors”. Similarly lack of experience and large size projects were observed to be unstable as well. These observations suggest that professionals’ view on pre-tender cost variability factor-ranking yields unstable factor rankings hence should not be relied upon as the only mechanisms to mitigate cost related risks in construction projects.
Competitive Strategies for Wine Cooperatives in the German Wine Industry

The wine industry is significantly affected by globalization and changes in consumption habits and shifts in lifestyle, which lead to changes in the market environment and intensity of competition in the wine markets. Overall, wine cooperatives have a market share of more than 40 % in Europe. In Germany, they account for around one third of the total wine production. The decreasing number of wine cooperatives and their members leads to the assumption that wine cooperatives have difficulties adapting to the different market environment and though, need to select and implement competitive strategies. The aim of this paper is to identify and develop competitive strategies for wine cooperatives in the German wine industry. Therefore, the external forces affecting competitive rivalry in the wine industry are being evaluated for wine cooperatives in Germany. A qualitative approach has been applied including in-depth interviews with managing directors and chairmen of the board (n=15). Data were transcribed verbatim and content analysed. Results showed that the intensity of rivalry among existing competitors is high. Bargaining power of wine cooperatives towards buyers and suppliers strongly depends on their size. However, generally the bargaining power of retailers is high, although this depends on the retail channel (discounters, food retail, specialized retail, specialized wholesale, gastronomy). Five main strategy dimensions emerged: (1) the cost leadership and cost focus strategy, (2) the differentiation and differentiation focus strategy, (3) collaboration among producers, (4) offering additional services, and (5) options for improved membership relations and increased youth involvement.
EFFECT OF CASH FLOW ON PERFORMANCE OF LISTED DEPOSIT MONEY BANKS IN NIGERIA

This paper examined the effect of cash flow on the performance of listed Deposit Money Banks (DMBs) in Nigeria. With the aid of multi-stage sampling technique which uses both pure random and eliminating method, twelve (12) banks were sampled for investigation over ten years beginning from 2006 to 2015 from a total population of fifteen (15) Deposit Money Banks (DMBs) listed on the Nigerian Stock Exchange. This corresponds to 120 observations from a total of 150. Published financial statements of the selected banking firms under study were the source of data. From the objectives of the study, a total of three hypotheses were formulated and tested at 5% level of significance. Data gathered were subjected to statistical analysis through the simple regression technique, and the EViews statistical software package was used to do the analysis. The findings showed that cash flows from operating, investing and financing activities, have no statistically significant effect on the returns on investment, returns on equity and earnings per share of Deposit Money Banks (DMBs) studied. The study yielded several recommendations, including an urgent and compelling need for the regulatory authorities to rethink the accounting regime for banks. The new regime should specifically take banks' credit, creating function into consideration mostly because this uniqueness in banking operations entails that cash flow from the operating activities functions differently and hence requires being differently accounted for too.
Morphological characterization of avocado (Persea americana Mill.) accessions explored from hill zone taluks of Chikkamagaluru district, Karnataka state

Exploration was carried out in the Western Ghat region of Chikkamagaluru district, Karnataka. The thirty accessions were explored and characterized based on IPGRI descriptors of avocado for 26 qualitative traits (Tree, leaf, fruit and seed characteristics). A wide variation was observed for all the traits studied except ridges on fruit, crotch angle of leaf petiole, pedicel position and fruit apex position. Predominantly pyramidal tree shape was observed as compared to obovate, circular, rectangular and obovate. Majority of the accessions exhibited very rough trunk surface with acute type of extensive branching pattern and most of the accessions had green colour leaves with oval, acute base, intermediate apex and undulate type of leaf margin. Maximum accessions exhibited sparse type pubescence on both under and the upper surface of the leaf. Among the accessions explored most of the accessions had narrowly obovate shaped fruit with light green colour, depressed base and rounded apex. Conical shaped with centrally positioned pedicel on the fruit was maximum. This suggested high diversity which would aid in genetic resources management and conservation, as well as utilization in the future breeding programme.
The prevalence of Corona anxiety and its related demographic factors in Mashhad city

The prevalence of Corona disease (COVID-19) is on the rise around the world, and the unknown nature of this disease exacerbates people's anxiety about it. The purpose of this study was to determine the prevalence of corona anxiety and its related demographic factors in the general population of Mashhad city in the spring of 2020. The method of this research is descriptive and of survey type. The population of this study included all citizens of Mashhad in the spring of 2020. 517 people were selected for the study through convenience sampling via social networks. The participants answered the online questionnaires of demographic characteristics and Corona disease anxiety scale (CDAS). The data was analyzed using descriptive and inferential statistical tests such as frequency, frequency percentage, Chi-square and Kruskal-Wallis based on cut-off point of CDAS by SPSS software, Ver. 25. The results showed that the prevalence of corona anxiety among the citizens of Mashhad is 28.82%. Corona anxiety rate in men and women was 31.17% and 24.87%, respectively. Women significantly had more corona anxiety than men (p = 0.001). The prevalence of corona anxiety was not significantly related to marital status (p = 0.13). Corona anxiety was more common in people with high school diploma or lower education (p = 0.001) and there was no significant difference among different ages in terms of corona anxiety prevalence (p = 0.25). The results of the present study show that about one third of the citizens of Mashhad have corona anxiety and this rate is higher in women and people with lower education. The results of this study indicate the need for effective strategies to deal with the increasing prevalence of corona anxiety and its consequences
ASSOCIATION BETWEEN HYPOTHYROIDISM AND NAFLD

NAFLD is a chronic liver disease with a histological spectrum ranging from steatosis alone to non-alcoholic steatohepatitis (NASH), the latter having an increased risk for progression to cirrhosis. The prevalence of NAFLD in adults has been reported to be as high as 33% making it the most common cause of chronic liver disease. It is possible that hypothyroidism can be contributing to the dyslipidemia in NAFLD, which is a common abnormality in these patients. Early identification of at-risk patients is important since treatment of the hypothyroidism may reduce the risk of NAFLD and potential complications. MATERIALS AND METHODS: The present prospective, observational study was conducted on 50 subjects presenting with clinical features/biochemical evidences suggestive of thyroid dysfunction. Exclusion criteria included were <18 year age, with any hepatitis virus infections, hemochromatosis, elevated alcohol consumption, intake of iodine or antithyroid agents. RESULTS: A total of 50 subjects fulfilling inclusive criteria were taken up for study. These included four (8%) subjectives with features suggestive of subclinical hypothyroidism and 46 (92%) with those of clinical hypothyroidism. A total of 12 (24%) subjects with spectrum of steatosis alone to non-alcoholic steatohepatitis (NASH) were diagnosed ultrasonographically. All these subjects had features of clinical hypothyroidism. Hypothyroidism enhances the degree of insulin resistance in NAFLD patients and may increase the already elevated lipolysis and free fatty acid delivery to the liver and thereby accelerate liver injury in NAFLD. Hypothyroidism primarily causes elevation in cholesterol and low density lipoproteins and also affects the synthesis, mobilization and degradation of all aspects of lipid metabolism. Early identification of at-risk patients is important since treatment of the hypothyroidism may reduce the risk of NAFLD and potential complications.
THE MYTH OF NASSER’S ARABISM. CAIRO (1956-1970), A POLITICAL-URBAN PARADOX

Nasser (1956-1970) was known for his devotion to Arabism. Meanwhile, the place should reveal political, cultural, social, and economic parameters for everyday life. This study aims at tracing the consistency between Nasser's slogan of Arabism and his authoritarian urban and architectural products. Descriptive and analytical research methods are implemented. The society could be studied through the building of the city. Instead of stressing on Arabism as an urban and architectural identity, Nasser's authorities promoted westernization and disconnection with local Arabic history. Nasser fell into the colonial trap by promoting the European city model for local urbanization. Keywords— Planning History; Urban History; Cairo; The Power Theory; The Sociocultural Aspects; Nasser; Urban Studies; Egyptian Urbanization
Effect of Crystalline Microstructure Evolution on Thermoelectric Performance of PEDOT : PSS Films

Although organic polymer thermoelectric (TE) materials have witnessed explosive advances in the recent decade, the molecular mechanism of crystallization engineering of TE performance, even for the most successful polymer of poly(3,4-ethylenedioxythiophene) : poly(styrene sulfonate) (PEDOT : PSS), is still far from clear. Here, we deepen the understanding of the role of annealing-induced crystalline microstructure evolution on TE performance of the PEDOT : PSS film with thickness of 10 μm, which is usually more effective than thin ones in applications. Annealed at optimized temperature of 220°C, the film displays a power factor of 162.5 times of that of the pristine film before annealing. The enhanced TE performance is associated with the changes of crystallographic and morphologic microstructures, including increased crystallinity and crystal grain size, a domain morphology transformation from granular to crystalline nanofibril, and reduced insulating PSS in the skin layer. These variances facilitate the carrier transport by a transition from 3D to 1D hopping, reduce the activation energy, and improve the carrier mobility. The mechanism of crystallization engineering reported here can be conceptually extended to other TE polymers and guides the future rational design of preparation principles for organic and composite TE materials.
User and Provider Perspectives on Improving Mental Healthcare for Syrian Refugee Women in Winnipeg, Manitoba, Canada

RGH | https://doi.org/10.18297/rgh/vol3/iss1/7 1 Abstract Introduction: Refugees have higher risk of developing mental illness like anxiety, depression and Post-Traumatic Stress Disorder as they flee from violence. Women refugees may have unique mental healthcare needs due to their vulnerability to gender-based violence and abuse during flight from war. The research question of this study was what the health system can do better to address the mental healthcare needs of refugee women in Winnipeg.
Digital Customer Experiences of White Goods Industries

: This study aims to show the path to be followed to the white goods companies aiming to increase their online sales in order to provide their customers with a perfect digital customer experience. With the ever-increasing customer expectations, it explores how to achieve customer satisfaction and repurchase intention through online customer experience. Various sub constructs of customer experience were analyzed, and among these, ease of use and delivery process were found to be the most influential factors for repurchase intention and customer satisfaction. The results have significant implications both for the literature and in managerial context. This study is intended to be a road map for white goods companies that have just started their online sales
Evaluation of Culture Representation in Vision English Textbook Series for Iranian Secondary Public Education

This study evaluated the cultural content of Vision textbook series that are currently in use in Iranian public secondary school system. The aim was to find the most frequent cultural references as well as the most-frequently-represented cultural senses. For this purpose, frequency counts were used to collect the data and the culture categorization framework (Adaskou et. al., 1990) and cultural reference framework (Cortazzi & Jin, 1999), modified by Tajeddin and Teimournezhad (2014), were used to analyze the data. Results of the frequency counts indicated that the Vision ELT textbooks contained the most cultural content associated with Persian as the source culture. Similarly, the focus was primarily on the esthetic sense of culture, followed respectively by semantic, sociological and sociolinguistic (pragmatic) senses. The study ends up with implications for EFL stake-holders in Iranian context as well as the ELT enterprise in general.