Miracle-dz/UniFAR-FTUs huggingface dataset:
Effect of Third Party Funds, CAR, LDR and NPL on Performance The Banking Companies Listed in Indonesia Stock Exchange (IDX)

This study aims to Determine the effect of third-party funds on the performance of banking companies listed on the Stock Exchange in the period 2015-2017, to Determine the Effect of Third Party Funds (TPF), aduquacy capital ratio (CAR), the loan to deposit ratio (LDR) loan (NPL) to the performance of banking companies listed on the IDX for the period 2015-2017. The population in this study are all private commercial banks in Indonesia for the period 2015-2017 with a total of 43 banks listed on the Indonesia Stock Exchange. The sampling technique used in this study was a purposive random sampling technique, the which is a sample drawn using the Certain criteria of 40 banks. This research uses quantitative methods. The research of data used is the financial statements of banking company publications Obtained from the web of financial services authority (FSA).
The impact of collaboration network on new product development

Purpose Researchers agree that collaboration networks can be an important implement in a firm’s innovation process, but there is limited empirical evidence on actually how they facilitate the new product development (NPD). The paper aims to discuss these issues. Design/methodology/approach Using longitudinal and multisource data on a sample of firms engaged in the Chinese automobile industry, the authors examine the structural properties of collaboration networks and their possible influences on firms’ NPD performance. Findings The results indicate that the structural features of the technology-based collaboration networks in the automobile industry have a low degree of collaborative integration and they influence firms’ NPD performance in diverse ways. The authors find that the direct ties, indirect ties and structural holes of the collaboration networks are all positively associated with firms’ number of new products. However, the authors have not found the evidence that the number of direct ties can moderate the relationship between the indirect ties and the NPD performance. Originality/value First, previous researches concerning the network mainly focused on their influence on technology innovation, few scholars studied the relationship between collaboration network and NPD. Second, the data used in this paper are true and valid, they are all from relevant departments of the Chinese government. Third, the empirical research of new products in China’s manufacturing industry is relatively new.
How a Small Business Negotiates Digital Inclusion of People with Disabilities: A Case Study

By Belo M. Cipriani University of the Pacific 2019 Technology has provided more people access products and services, yet some individuals who would benefit the most from digital access to resources are frequently excluded from participation. One group that is largely neglected is the disability community. Despite federal regulations intended to ensure that people with physical/mental disabilities are included in public digital platforms, organizations continuously design websites, applications, and interfaces without people with disabilities in mind. This is particularly the case with small businesses, which are most commonly reported as having inaccessible digital platforms. Digital inclusion attempts to ensure equity in digital properties by providing a model to operationalize inclusion across technologies. This qualitative case study examines how a small business owner in an urban U.S. city prioritizes digital inclusion in his daily operations. Using a responsive interview model, the business owner’s experiences, attitudes, and priorities were recorded. Six themes appeared from this study: perceptions of disability influence digital inclusion, powerful branding suggests digital access, unawareness of accessibility guidelines, UX testing overlooks input from people with disabilities, inclusion is tough to enforce on digital platforms, and workarounds hinder digital improvements.
Systemic Sarcoidosis Preceeding Acute Myeloid Leukemia

The authors report the case of a 59-year-old woman who developed acute myeloid leukemia nine months after the resolution of systemic sarcoidosis treated by corticosteroid therapy. This rare case poses the questions of the physiopathogenic mechanisms, particularly a granulomatous reaction to leukemic antigens or to cytokines or of the role of an infectious agent.
Analysis of the impact of Leverage, Value Added and Size on Earning Management and Financial Performance of Indonesian Shariah Banking

The main issues of researches about earnings management have been conducted extensively. Nowadays, the scope of research on earning management is extended to business fields based on Islamic finance. So this research objective is to determine the influence of value added, leverage and size on Shariah banking financial performance through earning management. Discretionary Accrual in Modified Jones Model is used in this research to measure earning management. Then, indicator Return On Asset is used in measuring shariah banking financial performance. Based on data of 12 shariah banking in Indonesia for the period 2012 to 2017, the study conduct path analysis model with Smart-PLS. After conducted the analysis test, this study provide the evidence that value added, leverage and size have no significant effect on Return On Asset. For earning management, both leverage and size have significant effect on earning management otherwise value added has no significant effect on earning management. Finally, earning management significantly act as intervening variable between leverage, size to return on asset but have insignificant result in the relationship between value added and return on asset. Keywords—earning management, financial performance, leverage, value added, size, shariah bank.
Adequacy of Accounting Information Disclosures of Nigerian Quoted Firms Under IFRS Adoption

This study therefore examined the adequacy of accounting information disclosures of Nigerian quoted firms under IFRS adoption in a bid to determine if there is a significant difference in the information content of financial reports as reflected by share prices under IFRS adoption. The stock price informativeness was represented by the market price of shares of firms sampled from the Nigerian Stock Exchange. The paired samples t-test statistics was employed to test the hypothesis of no significant difference in stock prices of quoted Nigerian firms pre and post adoption of IFRS in Nigeria in 2012. Findings from the study show that there is a significant difference stock price informativeness of quoted Nigerian firms after the adoption of IFRS in 2012. Firms are therefore enjoined to improve performance reporting and discard manipulative tendencies. This practice will certainly enhance the stock price informativeness as represented by the market price of shares to ensure appropriate stock pricing. Keywords: Stock Price; Accounting Information Disclosure; IFRS Adoption DOI : 10.7176/RJFA/10-20-12 Publication date :October 31 st , 2019
The Impact of China’s Investment on Malaysia

China has been moving out from its country into other countries in the world, including Malaysia, with some positive and negative news. We are to examine the impact of China’s investment on our employment, price level and productivity as well as sectoral stock market performances: consumer products and services; construction and industrial sectors. The causality analyses on quarterly data from 2008 to 2018 show some significant positive and negative impact of China’s investment on Malaysia. China’s investment contributes to the growth of consumer product and service sector stock market and lower production price level. On the other hand, construction and industrial sectoral indices exhibit negative performances. There is no significant impact on productivity and employability. Despite of having relatively small contribution impact from China, the long-run cointegration exhibits that the variables are moving together over time. Thus, monitoring the inflows of the FDI is crucial.
The Effect Of Csr; Credit Interest; And Bank Size On Financial Performance.

The purpose of this research is to obtain empirical evidence about the effect of corporate social responsibility, credit interest, and bank size on financial performance at banking companies listed in Indonesia Stock Exchange in 2015-2017. The benefit of this research is to help convince investors to invest in the bank's companies . This research used a purposive sampling technique to collect data and consisted of 93 banking companies listed on the Indonesia Stock Exchange in 2015-2017. The statistical method used in this research is used multiple linear regression analysis methods. In this research used the Eviews program, 10 version. The results of the research based on the tests that have been carried out state that corporate social responsibility, and credit interest not had a significant effect on financial performance, while bank size had a significant positive effect on financial performance.
The rise of smart consumers: role of smart servicescape and smart consumer experience co-creation

ABSTRACT Rapid technological advancements have led to the emergence of smart services and smart consumers. This study focuses on smart consumers who voluntarily engage in value creation activities, in order to conceptualise smart experience co-creation (SEC) and the smart servicescape. Drawing on the Stimulus-Organism-Response (SOR) framework, a model is proposed and tested around the impacts of smart servicescape dimensions (aesthetics, superior functionality, social presence, perceived interactivity and perceived personalisation) on smart consumer experience co-creation. SEC is conceptualised as a second-order construct consisting of cognitive, hedonic, social/personal, and pragmatic/economic first-order dimensions. Results show that the technological environmental cues of the smart servicescape (S) collectively influence smart experience co-creation (O), and this co-created experience eventually influences consumers’ service brand equity and word-of-mouth (WOM) intentions (R). A major novelty of this study lies in uncovering the relationship between experience co-creation and service brand equity. Findings have theoretical and managerial implications for smart services.
THE EFFECTS OF FINANCIAL LITERACY ON THE FINANCIAL GROWTH OF SACCOs: A CASE STUDY OF KWALE COUNTY

The general objective of this study was to analyze the extent to which financial literacy affects the financial growth of SACCOs in Kwale County. To achieve this objective the study used descriptive survey design. The target population was 15281 members drawn from 80 SACCOs licensed and operating in Kwale County. Data was collected using structured questionnaires. Data was analyzed using descriptive and inferential statistics. Pearson’s correlation test indicated that that financial knowledge and financial training had a significant and weak positive correlation with financial growth of the SACCOs in Kwale County while financial attitude and financial behavior had a significant and moderate positive correlation with financial growth of the SACCOs. Regression results revealed that financial knowledge, financial attitude, financial behavior and financial training had significant and positive influence on financial growth of SACCOs in Kwale County. The study concluded that financial knowledge, financial attitude, financial behavior and financial training had a statistically significant and positive influence on financial growth of SACCOs in Kwale County. The study recommended that the County Government of Kwale through the department of trade and co-operatives should consider developing new initiatives for financial education of SACCO members in order to improve the financial growth of the SACCO industry and thereby enhance the general economic development of the County. The study also recommended that the National Government through the Ministry of Industry, Trade and Co-operatives, State department of co-operatives, and SASRA should improve on the existing policy and regulatory framework to support the financial education of SACCO members as part of the strategies to alleviate poverty. The study suggested that further studies should be conducted focusing on other factors influencing the financial growth of SACCOs. The study ought to be replicated in different sectors so as to check findings with associate aim of generating additional data on the impact of financial literacy on financial growth. Key Words: Financial Knowledge, Attitude, Training, Behavior, Financial Growth CITATION: Mwatondo, H. J., & Wekesa, M. W. (2019). The effects of financial literacy on the financial growth of SACCOs: A case study of Kwale County. The Strategic Journal of Business & Change Management, 6 (4), 1 – 17.
Influential factors of Islamic insurance adoption: an extension of theory of planned behavior

Purpose The role of insurance is a backbone for consumers to secure their future. It is important to know where to invest and what are the benefits. Therefore, for the Muslim segment, Islamic insurance system provides Riba (interest)-free environment where consumers invest their money and recover their losses according to sharia. This paper aims to examine the determinants that influence purchase intention of consumers toward Islamic insurance (Takaful) adoption in Pakistan with the help of the modified theory of planned behavior (TPB). Design/methodology/approach The authors added four specific variables related to Islamic sharia compliance in the conventional form of the TPB. The relationship among the variables is assessed by using partial least squares structural equation modeling, while the data are collected from 305 respondents. Findings The results suggest that attitude, subjective norm and perceived behavioral control are strong predictors of an Islamic insurance adoption in Pakistan. Moreover, factors such as compatibility, relative advantage and awareness have positive and significant impacts on takaful participation. A negative but insignificant relation is found between perceived risk and intention. Practical implications This paper provides insight for understanding the factors that lead to consumers' purchase intention of Islamic insurance. Originality/value This paper makes a unique contribution to the literature with reference to Pakistan, being a pioneering attempt to investigate the factors of Islamic insurance adoption by modifying the TPB and applying more rigorous statistical techniques like confirmatory factor analysis (CFA) and partial least square structural equation modeling.
Meeting Women’s Health Needs in the Community: Assessment of the Physical Activity and Health Promotion Practices, Preferences and Priorities of Older Women Living with Cardiovascular Disease

Cardiovascular disease (CVD) is the leading cause of death among Canadian women, and accounts for up to 30% of deaths among women worldwide. Women with CVD are typically older than their male counterparts, experience worse functional status, are more likely to experience non-CVD health conditions such as diabetes or arthritis, and will live with these health conditions for more years than men. Physical activity (PA) and cardiac rehabilitation (CR) participation is lower among women compared to men, but little is known about the PA and health promotion experiences, priorities and practices of older women living with CVD. Guided by a socioenvironmental approach to health promotion, a mixed method design involving a mail survey (N=127) and qualitative interviews (N=15) was employed to describe and explore the PA and health promotion practices, preferences and priorities of older women (≥65 years) living with CVD in the Champlain health region of Ontario. Nearly 60% of survey respondents were referred to CR. Logistic regression analysis revealed urban residence as a predictor of CR referral (p<0.01, OR=3.24; 95% CI: 1.44-7.30). Nearly 55% of respondents attended CR, which was predicted by CR referral (p<0.01, OR=32.26; 95% CI: 9.26-111.11), availability of transportation (p<0.05, OR=9.96; 95% CI: 1.22-81.41), and a history of structured PA (p<0.05, OR=3.64; 95% CI: 1.16-11.36). Respondents were more active than their peers, but received
Community Participation in Household Waste Management: An Exploratory Study in Indonesia

The increased population and economic of the community indirectly affect the amount of household waste produced by the community. Unfortunately, this is not accompanied by good waste management from the community level. Management of household waste at the community level can be done by sorting waste. The habit of people to dispose of garbage without sorting can be a problem in implementing 3R activities (Recycling, Reducing, and Reusing). The purpose of this study is to find out what factors influence the community in sorting household waste. This research is based on the Theory of Planned Behavior (TPB) which considers several factors such as attitudes, subjective norms, and behavioral controls to influence someone to make intentions in behavior and expand the TPB conceptual model to overcome gaps. The results of this study came from a survey with 301 respondents in two locations namely DKI Jakarta and Depok. The results of this study indicate that attitudinal factors have the most significant influence on the intention and behavior of sorting garbage. While other factors such as demographics, subjective norms and perceptions of behavioral control do not have a significant effect.
To fly or not to fly? An empirical study of trust, post-recovery satisfaction and loyalty of Malaysia Airlines passengers

The purpose of this paper is to investigate the importance of successful service recovery in the airline sector by examining the interrelationship between perceived justice, recovery satisfaction and overall satisfaction, customer trust and customer loyalty. Furthermore, the research assesses the mediating effect of overall satisfaction and customer trust on customer loyalty. ,Data were collected via an airport intercept survey of Malaysia Airlines passengers who had experienced service failure. In total, 380 responses were used for the final analysis. The study uses partial least squares structural equation modelling technique with SmartPLS 3.0, in order to test and validate the research model and hypotheses posited. ,The results reveal that: recovery satisfaction is significantly affected by procedural and interactional justice; distributive and procedural justice, as well as recovery satisfaction influenced overall satisfaction; customer trust is most influenced by interactional justice, distributive justice and recovery satisfaction; customer loyalty is positively affected by customer trust, overall satisfaction and recovery satisfaction; and the influence amongst recovery satisfaction and customer loyalty is partially mediated by customer trust and overall satisfaction. ,The study contributes to a whole conceptual comprehension of the essential determinants of customer loyalty from the combined perspectives of three theories, namely, justice theory, expectancy disconfirmation theory and commitment-trust theory. This study successfully differentiates the three dimensions of perceived justice and assesses them individually to discern and compare their influence on overall satisfaction, recovery satisfaction and trust. In addition, the study finds that the influence of recovery satisfaction on loyalty is partially and sequentially mediated by trust and overall satisfaction.
Should Information be Sold Separately? Evidence from MiFID II

Information production is key to the efficiency of financial markets. Does selling information separately improve its production? We investigate this question using MiFID II, a European regulation that unbundles research from transactions. We show that unbundling causes fewer research analysts to cover a firm. This decrease does not come from small- or mid-cap firms but is concentrated in large firms. Surprisingly, the reduction in analyst coverage is accompanied by a decrease in forecast error. Further analyses suggest that analyst competition enhancement could drive the results: inaccurate analysts drop out, and analysts who stay produce more accurate research.
Reviewing the progress of information and communication technology in the restaurant industry

The purpose of this study is to identify the progress of research of information and communication technologies (ICT) in the restaurant industry. More specifically, this paper reviews the main academic contributions from the area of hospitality and tourism over the past 18 years by addressing the adoption and implementation of ICT in restaurant activities. ,This study analyses 68 full-length ICT research articles that were published in the period 2000-2018 in 29 journals (with Science Journal Citation Reports or Scimago Journal Rankings impact) and eight subject areas. ,The review reveals a number of significant findings. It highlights the scarcity of contributions within academic research related to the area of hospitality and tourism focused on addressing the issue of ICT in restaurants. Moreover, and predictably, several dimensions clearly emerge from the consumer and supply perspectives as being the most prominent. On the one hand, the adoption of ICT has changed the behaviour of consumers in at least three dimensions: information search and evaluation of alternatives purchase decision and post-purchase behaviour. On the other hand, ICT has revolutionised the core business areas of restaurants by dramatically transforming the following areas: operational and strategic management, marketing and Web design, customer services, security, food and nutrition and human resources. ,Given the fact that ICT in the restaurant industry remains a largely unexplored subject, this paper can offer a useful tool for researchers who pursue advances in this field, by providing an overview that outlines the main aspects that need further research. ,本文旨在研究饭店行业信息通信系统（ICT）的发展进程。 确切地说, 本文审阅过去18年中酒店旅游领域的主要文献, 关于饭店行业使用和执行ICT的研究。 ,本文样本为2000-2018年出版在29个期刊（带有JCR或者SJR影响因子）的68篇ICT文献。 其文献涵盖8大学科领域。 ,本文研究结果表明, 目前酒店旅游文献中针对饭店行业ICT应用的文章还是很少。 此外, 关于消费者和供应商角度的研究成为最显著的研究方向。 一方面, ICT影响消费者行为至少从三个方向上：信息搜索、购买决策的备择方案评估、以及购买后行为。 另一方面, ICT颠覆了饭店主营业务从以下几个方面：运营和战略管理、营销和网页设计、消费服务、安保、食品和营养、以及人力资源。 ,基于事实ICT在饭店行业仍处于未研究领域, 本文为相关领域学者提供了一个有力工具, 对相关领域进行梳理并对未来研究领域做出启示。
Influence of Companies’ Governance Process on Sustainability Reporting in Nigeria

The study investigated the influence of companies’ governance process on sustainability reporting in Nigeria. The study was anchored on the stakeholders’ and information cost theories and adopted the ex post facto research design. The population of the study was made up of all listed oil and gas companies in Nigeria. Data were obtained through manual content analysis of corporate financial statements using a modified checklist based on SEC (2018) Sustainability Reporting Guidelines to examine the level of disclosures by sampled firms for the period 2016 to 2018. The study deployed descriptive, correlation and regression analyses as data analytical techniques. Findings of the study revealed no significant positive association with board activity, board globalizing, executive compensation and profitability but a negative association with audit committee strength. The study concludes that good company governance practices promote sustainability reporting and recommends amongst others the internationalization of corporate board rooms for effective managerial expertise and technical collaborations.