Miracle-dz/UniFAR-FTUs huggingface dataset:
THE RELATIONSHIP BETWEEN BOARDS AND BANK PERFORMANCE AMONG LISTED BANKS IN GHANA

The relationship between board characteristics and the performance of 10 listed banks in Ghana between 2016-2017 was critically examined through the use of an unbalanced panel data. A two-staged analytical process was used in estimating the relationship. The theoretical outcome of this article confirmed an existence of a positive relationship between bank performance, board size and board composition. A significant relationship between large board size and the financial performance of banks was realized after the research . A gain, banks with large board size were deemed to have good monitoring function compared with small board size. Large board of directors was also seen to perform better in terms of accountability as compared with small board size in a Ghana. However, it also came to fore that board diversity in terms of gender had no effect on the performance of banks in Ghana. Therefore, it is recommended that outside directors and large board size should be practiced in Ghana looking at the significant effect it has on the financial performance of banks
Role of In-store Factors on Customer Experience: A Case of selected Apparel Stores in major metros

Fashion and clothing retail industry in India has made a rapid pace due to growth in the organized retail sector. Retailers like shoppers stop, lifestyle continuously integrate designing, promotion as well as administration and vast knowledge of the fashion world and offer better customer experience to their customers to gain competitive advantage. One important factor that makes or breaks the reputation and success of a store is the overall customer experience. Therefore, the present study aims at exploring relevant in-store factors that impact on customer experience. The results of the study indicated that physical evidence, store staff and customer service are the factors which influence overall customer experience.
PREDICTING FINANCIAL DISTRESS USING ALTMAN SCORE, GROVER SCORE, SPRINGATE SCORE, ZMIJEWSKI SCORE (CASE STUDY ON CONSUMER GOODS COMPANY)

This study aims to detect the financial distress on consumer goods companies listing on the Indonesia Stock Exchange 2013-2017 by using altman score, grover score, springate score, zmijewski score.The object of this study is all consumer goods companies listing on the Indonesia Stock Exchange which publishes audited financial statements for fiscal year 2013 - 2017, which amounted to 24 (twenty four) companies. The sampling technique is by using purposive sampling method where the sample is determined based on certain criteria determined by the researcher and has limitations in terms of generalization. The sample of research is 42 (fourty two companies) Data collection method using documentation method Data analysis technique used is descriptive qualitative analysis using altman score, grover score, springate score, zmijewski score.
DUAL COMMITMENT: EVIDENCE FROM AN EMERGING COUNTRY PERSPECTIVE

Despite the fact that commitment is a well-established and important concept in the marketing literature, our understanding of the concept of customer commitment remains limited. A possible reason for this pertains to the notion of dual commitment. Dual commitment stems from a buying situation where a service delivered is dependent on the collaboration between two or more service providers. Under these circumstances, the question arises whether commitment should be managed on an aggregated level, or on the level of each of the contributing service providers. The mobile service industry is a typical example hereof, where the service is the end-result of collaboration between a mobile handset provider on the one hand, and a mobile network service provider on the other. In such a situation, two questions arise: Should a customer? s commitment be managed on a comprehensive level or, secondly, will a customer? s commitment towards a mobile handset provider differ from their commitment towards the actual mobile network service provider? Against this background, this study investigated the management of customer commitment from a dual commitment perspective. A quantitative approach was used to analyse the perceptions of South African respondents belonging to the Generation Y cohort. During the research, respondents were introduced to two questionnaires: the first questionnaire pertained to the management of commitment towards the mobile handset provider (MHP), whereas the second questionnaire addressed commitment towards the mobile network service provider (MNSP). Both the questionnaires focused on three dependent variables (affective, normative and calculative commitment), with trust, satisfaction, communication, shared values and reputation being the independent variables. The data were analysed in SPSS version 25, and regression analyses were used to assess the statistical significance of the hypothesised relationships.The empirical results revealed a number of interesting findings. Firstly, the study questions the existence of dual customer commitment in the South African telecommunications industry. The reason is that striking similarities were found in the ways in which commitment are managed from the two service providers investigated. In addition, in terms of the management of commitment on affective, calculative, and normative levels, several similarities were also found. This study? s results therefore contradict those reported in the existing literature, prompting the question whether the unique characteristics of respondents from emerging markets, such as South Africa, could have influenced the results.
Pengaruh Kualitas Sistem dan kualitas Layanan Terhadap Kepuasan Serta Loyalitas Pelanggan Pengguna Listrik Prabayar dan Pascabayar

Abstract- The progress of a nation can be measured by today's large - size electric energy consumption per capita of concerned citizens . For the citizens of our country Indonesia , electricity is still a luxury item including commodities , proved still the majority of the people / citizens we have not been able to reach them . PLN give service as State power is not maximized . One of the breakthroughs that made PLN is electrical energy sales system Pre-paid and Post-paid , with hope for the people can choose one among the offered payment systems , to be able to choose where to do austerity . Satisfaction and customer loyalty is the most important factor in business competition . The three variables that will be used in this study is the quality system , quality of information , and quality systems . These factors might impact on satisfaction and customer loyalty . The proposed hypothesis is useful to examine the relationship three variables that influence customer satisfaction and loyalty . The method used is a sample of questionnaires with 200 residential electricity customers in Cikarang baru.Analisa data is performed with the approach of the Structural Equation Model ( SEM ) with AMOS 8 . 0 program . SEM analysis of the results shows that the model does not fit . Therefore modification of the model to test the hypothesis . Based on the results of data analysis has been conducted quality system found no significant influence on customer satisfaction and loyalty . While the other two variables , namely the quality of information and quality of services significantly influence customer satisfaction and loyalty . customer satisfaction and customer loyalty has no effect onelectricity. Keywords : Prepaid and Postpaid , influence , loyalty and customer satisfaction
How investor’s behaviour towards investment decision? PLSSEM approach

This research was studied the relationship between individual investment decision making and psychological financial behaviour and Malaysia 14th General Election. The target respondents of this research were included 120 individual investors which involved in the Malaysia stock market with the sampling location at Perak state (Ipoh and Kampar). To execute the five statistics results were Cronbach’s alpha, composite reliability (CR), average variance extracted (AVE), discriminant validity, as well as hypothesis testing. The Partial Least Squares Structural Equation Modeling (PLS-SEM) had been conducted in this research. The results found that there were the significant and insignificant relationship between individual investment decision making and psychological financial behaviour and Malaysia 14th General Election. This research was provided the benefit to the society such as financial investors, investment advisor and financial professional, policymaker and financial market regulator as well as corporate.
Service Quality, Customer Relationship Marketing, and Institutional Trust to Engender Customer Loyalty

The objective of this study is to analyze the influence of service quality and the ustomer relationship marketing (CRM) to the institutional trust as well as its impact on the customer loyalty in PT Bank Rakyat Indonesia (BRI). The result of this study shows that the service quality and the customer relationship marketing has influence on institutional trust and loyalty. In conclusions, the institutional trust is an intervening variables that can mediate the effect of variable service quality and the customer relationship marketing on the customer loyalty.
ARE MALAYSIAN COMPANIES READY FOR ENVIRONMENTAL PRACTICES? AN EXTENSION OF THEORY OF PLANNED BEHAVIOR

Changes of climate and pollution globally have been the most concerning issue in the recent decades. The negative impacts of climate change and pollution towards the environment and human well-being have been significantly concern. Among them, Malaysia has been actively involved in looking for solutions to reduce the environmental degradation issues lately. This study adopted the extended Theory of Planned Behaviour (TPB), Norm Activation Model (NAM) and Maslow’s Hierarchy of Needs in examining the comprehensive motivational factors towards their intention to environmental practices. This study is aimed to provide insights related to the environmental practices among Malaysian companies specifically public listed companies. Questionnaires are distributed via email due to the location of the companies. The collected and usable data for this study is 107 companies. The targeted respondents are those who ranked manager and above from investor relations department. The data is being analysed by employing Partial Least Square-Structural Equation Modelling (PLS-SEM) in investigating the relationship between the motivational factors that influence companies’ environmental practices intention. The findings showed that corporate norm and actualisation needs are positively associated to the intention among companies to be environmental friendly.
TBTs, Firm Organization and Labour Structure

Trade shocks in export markets may affect the employment composition and the organization of exporting firms. In particular, the imposition of new technological standards in destination markets may force exporters to adjust the firm’s organization to comply and cope with the additional complexity of the new production process. This paper investigates the effects on firms’ organization of shocks induced by the introduction of Technical Barriers to Trade (TBTs) in exporting countries. It relies on the Specific Trade Concern (STC) data released by the WTO to identify trade-restrictive TBT measures, combined with matched employer-employee data for the population of French exporters over the period 1995-2010. It also exploits information on the list of product-destinations served by each French exporter. Controlling for tariffs and for a given state of technology in the sector of the firm, it finds that exporters respond to increased complexity associated with restrictive Technical Barriers to Trade at destination by raising the share of managers at the expense of blue collars, white collars and professionals. This paper is related to the growing literature exploring how firms organize production in hierarchies to economize on their use of knowledge. It is also related to the well beaten literature on the labour market effects of trade, but from the perspective of exports rather than imports.
The Financial Cost of Sustainable Investing in the Nordic Region

This master thesis investigates whether there are financial costs associated with sustainable investing with a focus on the Nordic stock market. We apply two different models to test our hypotheses. Firstly, inspired by Hong & Kacperczyk (2009), we estimate whether “sin” stocks generate abnormal returns. Overall, we find mixed evidence on investors paying a financial cost from negatively screening “sin” stocks. For both Sweden and Finland, we find excess returns associated with “sin” stocks. Further, we investigate the relationship between sustainability ratings, specifically ESG Ratings, and riskadjusted returns. We do not detect a significant relationship between superior ESG Ratings and superior risk-adjusted returns. Consistent with existing literature, we present mixed evidence on whether sustainable investing implies financial costs. 0978470 0974694 GRA 19703
P-cadherin in ovarian cancer : a novel marker for disease progression

These studies have focused upon role(s) of the calcium-dependent cell adhesion molecules, known as the cadherins, in ovarian cancer. Recent studies have characterized one of the cadherins, E-cadherin, as a tumour suppressor gene. The normal human ovarian surface epithelium, as well as primary ovarian tumours, has been shown to express this cadherin subtype. Although E-cadherin expression levels are high in ovarian surface epithelial cells undergoing neoplastic transformation, there is a marked reduction in the expression levels of this cell adhesion molecule with progression to later stages of the disease state when the tumour cells acquire the ability to detach from the primary tumour. This in turn allows the cells to disseminate into the peritoneal cavity and subsequently interact with the mesothelial cells of the peritoneum. In our studies, we have found that P-cadherin is the predominant cadherin subtype present in ovarian tumor cell aggregates recovered from the ascites of patients. Interestingly, we have also determined that normal human peritoneal cells express P-cadherin which raises the possibility that this cell adhesion molecule plays an important role in the progression to the late stages of the disease state by mediating, at least in part, ovarian surface epithelial tumour-peritoneal cells interactions. We believe that these studies give us novel insight into the role(s) of the cadherins in ovarian cancer.
Raloxifene: A Selective Estrogen Receptor Modulator for the Prevention of Osteoporosis

Objective: To review the efficacy and safety of the selective estrogen receptor modulator raloxifene hydrochloride in the prevention of osteoporosis. Data Sources: A MEDLINE search (January 1966–May 1998) and unpublished data obtained from the manufacturer were used to identify relevant studies and review articles. Additionally, bibliographies of selected articles were reviewed. Only English-language articles on human studies were obtained. Study Selection: Literature was reviewed to evaluate the pharmacology, pharmacokinetics, therapeutic use, adverse effects, and drug interactions of raloxifene. Additional relevant citations were used in the introduction material and clinical controversy section. Data Extraction: Clinical trials reviewing raloxifene for the prevention of osteoporosis were evaluated. Data Synthesis: Raloxifene hydrochloride is a partial estrogen agonist that displays both estrogenic and antiestrogenic effects. As a result of binding to estrogen receptors, raloxifene therapy, like estrogen treatment, causes positive changes in biochemical markers of bone turnover such as serum osteocalcin, serum alkaline phosphatase, urinary pyridinoline cross-links, and urinary calcium excretion. In addition, raloxifene increases bone mineral density. Furthermore, raloxifene reduces total serum cholesterol and serum low-density lipoprotein cholesterol. Raloxifene has no effect on serum high-density lipoprotein cholesterol. As a selective estrogen receptor modulator, raloxifene does not display the deleterious effects of estrogen in endometrial or breast tissue. The most common adverse effects are hot flashes and leg cramping. Conclusions: Clinical trials have found that raloxifene is effective in the prevention of osteoporosis, making the drug an alternative choice for the prevention of osteoporosis in patients who are concerned about the proliferative effects of estrogen replacement therapy on the endometrium or breast tissue. Raloxifene may not be a good alternative in women experiencing troublesome hot flushes during menopause. The use of raloxifene in the treatment of osteoporosis and in the prevention of breast cancer is currently being evaluated.
Combined Exercise in HIV Treatment: Prospects for Non Pharmacological Therapy

The physical exercise is a tool that assists the treatment of various diseases because it improves from aspects of functional capacity (mobility, balance, muscle strength) to the risk factors for several diseases (obesity, Diabetes mellitus, systemic arterial hypertension). Among the many exercise types, the combined physical training has been considered a very interesting method due to responses generated in several populations, for instance, people living with HIV/AIDS.
Assessing the Use of Electronic Recruitment in Travel Agents and Hotels in Egypt

This research was conducted to give an overall assessment of the effectiveness of using electronic recruitment in travel agents and hotels in Egypt. The success of the tourism and hospitality industry depends on the quality of its employees and their effective management. E-recruitment is becoming a significant part of the recruitment strategy of all companies world-wide, in addition to becoming an increasingly popular method for job seekers in searching and applying for jobs. This research was applied on a sample of travel agents category "A" and hotels in Egypt. A survey questionnaire was distributed from June to August 2017. About 300 forms were distributed, and the number of valid forms was 271 (133 from travel agents and 138 from hotels). The findings indicated that using e-recruitment in travel agents and hotels was more effectively than traditional methods in hiring. The results showed that there was a statistically significance correlation between all dimensions of e-recruitment process in travel agents and hotels. Moreover there was a significant difference between travel agencies and hotels and this difference was in favor of travel agencies in the dimensions of methods of recruitment and benefits of e-recruitment. On the other hand there is no significant difference between travel agents and hotels in the dimensions of disadvantage of e-recruitment process for hotels. This study presented few recommendations for hotels and travel agents such as: developing policies and procedures that will promote e-recruitment because of its contribution to reduce the cost of e-recruitment in the company; using variety of more methods of e-recruitment to attract new employee, and developing special software that will facilitate the search for the most efficient candidates who submitted their applications through the company's website.
CEO's International Characteristics and Corporate Social Responsibility

The high disclosure of corporate social responsibility (CSR) activities in overseas countries, especially in Europe and the United States, was the motivation for this study to obtain empirical evidence on whether CEOs’ international characteristics influence CSR activity disclosure to firms in Indonesia. This study aims to analyze the influence of CEOs who have experience working abroad, CEOs who have educational background abroad, and CEOs who have foreign citizenship on the disclosure of CSR. The sample in this study is 139 companies in the manufacturing industry listed on Indonesia Stock Exchange in 2016. This research analyzes companies’ annual reports by using a content analysis method based on the Global Reporting Initiative (GRI) G4 index. The results of this study indicate that to increase the level of CSR disclosure, companies in Indonesia can consider the international characteristics of the CEO, namely, the CEO’s experience working abroad and the CEO’s educational background abroad, when choosing a CEO because these factors affected CSR disclosure in Indonesia. Notably, foreign citizenship of CEOs did not affect CSR disclosure in Indonesia. Keywords—Corporate social responsibility (CSR), CEO, experience working abroad, educational background abroad, foreign citizenship, GRI G4
Sustaining the Innovation Culture in SMEs: The Importance of Organisational Culture, Organisational Learning and Market Orientation

Previous research on innovation culture among SMEs has received little attention particularly in developing countries. Thus, this paper aims to investigate the influence of organisational culture, organisational learning and market orientation on innovation culture. A total of 183 usable responses were received from SMEs in Malaysia. Findings from the analysis suggest that all dimensions of organisational culture influence innovation culture while organisational learning in terms of information acquisition, behavioural and cognitive also influences innovation culture. Finally, in terms of market orientation, only competitor orientation influences innovation culture. This study contributes to SMEs by providing information on the elements that could nurture innovation culture in their organisations.
Consumer-benefiting transport cost: The role of product innovation in a vertical structure

We study the effects of a reduction of transport cost on the firm's activity of product innovation and on consumer welfare. Firms engage in product R&D that increases the degree of product differentiation, purchase intermediate inputs from an exclusive supplier, and export their products to the foreign market paying a per-unit transport cost. Trade theory commonly asserts that zero transport cost maximizes consumer surplus. Contrary to this standard belief, we show that a positive transport cost can maximize consumer surplus. We also consider more general effects of R&D and show that our main results hold even in such case.
Reduction in Re-Hospitalization Rates Utilizing Physical Therapists Within a Post–Acute Transitional Care Program for Home Care Patients With Heart Failure

Up to 25% of patients hospitalized with heart failure (HF) are re-admitted within 30 days. The highest risk of re-admission is within the first days after discharge. Transitional care programs usually only involve nurses and physicians. The purpose of this study was to describe a post–acute care program including physical therapists and to evaluate re-admission rates following program implementation. The program provided HF-specific training encouraging nurses and physical therapists to assess HF status and instruct on self-monitoring. Thresholds for communication with medical providers were established. Patient groups before (n = 162) and after implementation (n = 300) were similar. Following implementation, there was a 16% decrease in re-hospitalization with little change in the number of visits. Similar multidisciplinary programs may impact re-hospitalization rates and health care costs for HF.