bluuebunny/crossref_metadata_2025_split huggingface dataset:
Credit scoring of small and medium enterprises: a behavioural approach
Authors: Goel Akanksha , Rastogi Shailesh 
Published: October 2021

Purpose
This study aims to formulate a behavioural credit scoring models for Indian small and medium enterprises (SME) entrepreneurs using certain behavioural and psychological constructs. Two separate models are built which can predict the credit default and wilful default of the borrowers, respectively. This research was undertaken to understand whether certain psychological and behavioural factors can significantly predict the borrowers’ credit and wilful default.

Design/methodology/approach
A questionnaire survey was undertaken by SME entrepreneurs of two Indian states, i.e. Uttar Pradesh and Maharashtra. The questionnaire had two dependent variables: wilful default and credit default and nine independent variables. The questionnaire reliability and validity were ensured through confirmatory factor analysis (CFA) and further a model was built using logistic regression.

Findings
The results of this study have shown that certain behavioural and psychological traits of the borrowers can significantly predict borrowers’ default. These variables can be used to predict the overall creditworthiness of SME borrowers.

Practical implications
The findings of this research indicate that using behavioural and psychological constructs, lending institutions can easily evaluate the credit worthiness of those borrowers, who do not have any financial and credit history. This will enhance the capability of financial institutions to evaluate opaque SME borrowers.

Originality/value
There are very few numbers of studies which have considered predicting the credit default using certain psychological variables, but with respect to Asian market, and especially India, there does not exist a single significant study which has tried to fulfil such research gap. Also, this is the first study that has explored whether certain psychological factors can predict the wilful default of the borrowers. This is one of the most significant contributions of this research.
A systematic literature review on the socio-economic roles of waqf: evidence from organization of the Islamic cooperation (OIC) countries
Authors: Medias Fahmi , Rahman Asmak Ab , Susamto Akhmad Akbar , Pambuko Zulfikar Bagus 
Published: October 2021

Purpose
This paper aims to analyze the role of waqf in the socio-economic development of the organization of the Islamic Cooperation (OIC) countries. Various projects currently use waqf as an instrument for socio-economic development, as reported in the scholarly literature. This study will investigate this literature to explore trends in waqf studies and the role of this Islamic form of endowment in the socio-economic development of OIC countries.

Design/methodology/approach
This systematic literature review focuses on peer-reviewed journals and data obtained from the Mendeley database using specific criteria to analyze the socio-economic developmental role of waqf in OIC countries from 2011‐2020.

Findings
The socio-economic developmental role of waqf in OIC countries has been widely studied. In total, 68 academic articles were found that are relevant to themes of poverty alleviation, social welfare, entrepreneurship, education, health services and religious facilities. They reveal that the role of waqf in social welfare was the most discussed topic in the research. In addition, the majority of studies used an interview method to study waqf institutions in nine OIC countries. Furthermore, the number of publications on the theme has increased significantly every year, although the largest proportion occurred in unindexed journals.

Practical implications
This study provides an overview of research trends in the socio-economic developmental role of waqf. Its results can provide practical input for waqf institutions as they encourage its practice in OIC countries, and for policymakers in formulating their management strategies to promote the role of waqf in the social and economic aspects of society.

Originality/value
This paper reviews the current development of the socio-economic role of waqf in OIC countries. It will help researchers improve their understanding of this role. It will also provide waqf managers in OIC countries with adequate information on waqf projects which they can implement to achieve socio-economic development in their countries.
Exploring the enablers and microfoundations of international knowledge transfer
Authors: Rios-Ballesteros Nathalia , Fuerst Sascha 
Published: October 2021

PurposeThe purpose of this paper is to examine the enablers and barriers influencing international knowledge transfer at the team-level in the context of product innovation within an emerging-market multinational enterprise (EMNE) in the insurance industry.Design/methodology/approachThe research applies an exploratory case study design considering an emerging-market multinational insurance company headquartered in Colombia. Four subsidiaries (El Salvador, Chile, Argentina and Colombia) and the Corporate Office (headquarter) served as the research sites. It also adopts an interpretive research approach providing a grounded theory framework linking international knowledge transfer and product innovation.FindingsThe empirical findings emphasize the central role played by the enablers (i.e. shared vision, empathy and knowledge sources) in facilitating international knowledge transfer, which, in turn, enhances product innovation. More important, however, is the detailed explanation that the paper provides regarding the enablers’ microfoundational antecedents in terms of key activities that are performed at the team-level.Research limitations/implicationsThe grounded theory framework was constructed using data collected in a single firm associated with a particular industry and regional context. The study only considered a single aspect of knowledge management (i.e. knowledge transfer). Other aspects of knowledge management systems, such as knowledge creation and knowledge application, should be used for explaining product innovation in EMNEs more comprehensively.Practical implicationsThe study suggests a set of enabling conditions and activities that should be adopted by managers of EMNEs to improve international knowledge transfer with the aim of triggering product innovation. This includes the design of strategies for strengthening empathy among geographically dispersed teams by providing opportunities for regular live videoconferences among team members aimed at building close bonds, fostering trust and creating a sense of belonging in which participants get to know each other better and to establish a shared vision and a set of guiding principles and commitments for how the team will work. These suggestions are particularly important today when several multinational enterprises (MNEs) have been forced to rearrange their workplace by replacing face-to-face interactions with virtual work dynamics due to the COVID-19 crisis.Originality/valuePrevious studies have confirmed that international knowledge transfer positively influences MNEs’ innovative performance. However, no studies have been conducted linking both variables in the context of EMNEs in Latin America in the service sector. The research tries to fill this gap. Besides, the paper introduces empathy as a novel enabler for international knowledge transfer and a moderator able to diminish the negative effect that cultural differences and geographical barriers have on the knowledge transfer process.
How to develop ASOs of China? Answers from the academic entrepreneurs
Authors: Li Xingteng , Zhu Cong , Feng Feng 
Published: October 2021

PurposeWhy do academic spin-offs (ASOs) have different growth performance? What makes ASOs grow better? Based on the perspective of academic entrepreneurs, this study systematically studies the influence mechanism of the growth of Chinese ASOs and establishes an analytical framework for the influence of academic entrepreneurs on the growth of ASOs.Design/methodology/approachThis study takes ASOs of Chinese Academy of Sciences as a sample. On the basis of literature analysis, the questionnaire is designed to collect the measurement items of variables and amended after interviewing the well-known scholars and experienced enterprise managers. The entrepreneur capital theory and the triple helix (TH) model are used to formulate the research model. Ordinary least squares (OLS) regression analysis was used to analyze the relationship between academic entrepreneurs' social capital, human capital and enterprise growth. Data processing, reliability and validity analysis, hypothesis testing and so on are all carried out by Statistical Product and Service Solutions (SPSS), which is a common method of first-hand data processing.FindingsAccording to findings, capital of academic entrepreneurs exerted a positive impact on ASOs growth. First of all, ASOs growth is positively affected by external connections and human capital of academic entrepreneurs. Second, the institutional environment and location environment play a regulation role. However, regulation role of the industrial environment is not proved. Third, the research has shown academic entrepreneurs' capital and ASOs growth is regulated by both path guidance and resources support ways. Finally, according to further test, ASOs growth is positively affected by both business contacts and political contacts of academic entrepreneurs, and the role of political contacts is greater.Research limitations/implicationsInevitably, this research has limitations, to some extent, which need to be further improved and supplemented in future studies. First, samples are special. Due to the difficulty of data acquisition, this research only obtains data from ASOs of the Chinese Academy of Sciences system. Second, there should be diverse methods to measure the growth of ASOs.Originality/valueBased on composition-based view and triple helix model, this study constructs an analytical framework of the influence of academic entrepreneur capital on ASOs growth and verifies the influence and mechanism of academic entrepreneur social capital and human capital on enterprise growth. The conclusion of this study provides empirical support for the development of composition-based view and also proves the effectiveness of this theory in studying ASOs related issues in China. In addition, the research conclusion is also the practical application of triple helix model, which proves the effectiveness of triple helix model in analyzing the growth mechanism of ASOs.
Factors fostering the success of IoT services in academic libraries: a study built to enhance the library performance
Authors: Khan Asad Ullah , Zhang Zhiqiang , Chohan Sohail Raza , Rafique Wajid 
Published: October 2021

PurposeIn the modern era, libraries confront significant service challenges. Some challenges are linked to information resource management which includes direct availability of information for immediate decision making. The Internet of Things (IoT) is a recent technological shift that library personnel should be aware of because it has the potential to enhance information resource management. The purpose of the research is to highlight the willingness to adopt IoT technology in libraries.Design/methodology/approachThis study uses a quantitative research design in which a survey of public sector universities in Nanjing, China, is conducted to investigate the determinants of IoT adoption intention in libraries. A total of 389 responses were captured from experienced library personnel. The literature on technology adoption is then used to formulate quantitative theories. For data analysis, partial least squares structural equation modeling using SmartPLS.FindingsThe research highlights the various success factors which support the IoT service adoption process. It is concluded that IoT augmented services in academic libraries must be supported through robust management practices and effective utilization of technological resources. Many libraries have made substantial modifications to their structure in terms of technology and design to satisfy the demands of patrons.Originality/valueThis is an empirical paper that looks at IoT adoption intention in libraries using a quantitative approach through surveying library personnel. The library personnel can aid in the understanding of the motivations behind technology adoption in libraries, particularly of IoT services that may bring about advances in the libraries' capability to provide information access services.
Does financial literacy “grease the wheels” of the loans market? A note
Authors: Sol Murta Fátima , Miguel Gama Paulo 
Published: October 2021

Purpose
What is the impact of financial literacy on the lending activity of banks? Based on the results of the S&P Global FinLit Survey for an extensive sample of countries, this paper aims to provide the first global test for the impact of country-level financial literacy on the lending activity of commercial banks.

Design/methodology/approach
The authors use data on financial literacy by country from the S&P Global FinLit Survey that was completed in 2014 and lending activity and macroeconomic control variables data from the World Bank from 2015 to 2017 to estimate the cross-sectional effect of financial literacy on the importance of loans and of non-performing loans, using different estimation methods.

Findings
The results show that, first, financial literacy favors lending activity, contributing to enhance the importance of credit in the economy. Second, financial literacy prevents bad loans from building up, thus reducing credit risk and favoring the quality of the credit portfolio of banks. These results are robust to several controls for macroeconomic conditions and the quality of institutions. They are also robust to different estimation methods.

Research limitations/implications
The evidence of the positive (negative) impact of population financial literacy on the quantity (poor quality) of loans suggests that the efforts to enhance the financial literacy of the population contribute to the sustainable development of the financial sector and economic growth.

Originality/value
The paper extends to an international and country-level the available evidence of the consequences of the existence (or lack of) of financial literacy for the lending activity of commercial banks, focusing on the amount of credit granted and the quality of such credit. Thus, the paper provides an exploratory analysis of the impact of country-level financial literacy on the lending activities of commercial banks.
Family engagement in the home-based learning mode: an enlarging divide in education
Authors: Liu Shuo 
Published: October 2021

Purpose
This paper aims to provide an overview of the development periods of home-based learning in Hong Kong during the COVID-19 pandemic, then discusses the differences in how the more affluent and well-educated middle-class parents and the economically and culturally disadvantaged working-class parents have dealt with the challenges of this new learning mode in their children’s education.

Design/methodology/approach
This research mainly adopted the qualitative research method, and used data from multiple sources, including online and offline participant observations, informal interviews and second-hand official reports.

Findings
The preliminary findings suggest that due to the closure of the formal schooling system, the impact of unequal family resources – such as tangible economic investment and intangible cultural and social support – on students’ academic performance has been exposed, thus reinforcing the pre-existing inequality between different social classes.

Research limitations/implications
The findings of this paper are primarily based on preliminary observations and informal interviews, and it needs more systematic studies, both qualitative and quantitative, are needed to provide further empirical evidence to demonstrate the impacts of digital, housing and knowledge divide between the middle- and working-class families on students’ academic performance.

Originality/value
The paper presents new empirical data concerning the class mechanisms underlying home-based learning during the class suspension in Hong Kong. It shows that home-based learning in this challenging time has exposed the existing inequality in education.
Measuring farmers' well‐being: Influence of farm‐level factors on satisfaction with work and quality of life
Authors: Herrera Sabillón Beatriz , Gerster‐Bentaya Maria , Knierim Andrea 
Published: October 2021

AbstractTo achieve social sustainability, there is a need to incorporate social metrics of farmers’ well‐being into agricultural monitoring systems. We contribute to the operationalisation of the measurement of farmers’ well‐being by determining how farm‐level factors influence farmers’ satisfaction with their work and quality of life. Using a data sample of 1099 farms that are part of the Farm Accountancy Data Network (FADN) in nine European countries, we tested a set of hypotheses related to work satisfaction and life quality perception based on a structural equation model. Satisfaction with on‐farm work has a significant and substantial influence on satisfaction with quality of life. Farm‐level aspects, such as working time, age of assets, financial situation of the farm and community engagement, significantly influenced farmers’ satisfaction with farming, but their joint effect explained less than one‐fifth of the satisfaction. The results suggest that agricultural information systems intended to monitor and compare sustainability progress on farms would benefit from the integration of a metric measuring social concerns from the farmers’ point of view.
Health benefits of first and second extraction drum‐dried pitted olive pomace
Authors: Inzunza‐Soto Marce , Thai Sandy , Sinrod Amanda J. G. , Olson Donald A. , Avena‐Bustillos Roberto J. , Li Xueqi , Rolston Matthew R. , Wang Selina C. , Teran‐Cabanillas Eli , Yokoyama Wallace , McHugh Tara H. 
Published: October 2021

AbstractOlive pomace (OP) is the main by‐product of olive oil extraction. After pit and skin removal, OP pulp has high concentrations of dietary fiber and phenolics with high antioxidant capacity. This study evaluated mice health benefits of drum‐dried pitted OP pulp obtained after first and second oil extraction.Fresh OP was steam blanched, then pits and skins separated in a pulper/finisher, and pulp drum‐dried and milled. OP was characterized by proximate analysis, total soluble phenolics (TSP), individual phenolics, and dietary fiber. Drum‐dried pitted OP from first and second extraction was formulated at 10% and 20% in a high fat mice diet. Low fat (5%) and high fat (18%) control diets were also used for comparison. First extraction OP had higher TSP than OP from second extraction. Hydroxytyrosol was the main phenolic in OP. Mice weight gain was lower for the four OP diets compared to high and low‐fat control diets. Fecal protein was high for all OP diets, indicating poor protein retention in mice, possibly by phenolics binding of protein and enzymes. Liver weight and adipose tissue were lower in mice consuming the four high fat OP diets compared to high fat control diet. Also, there was no effect on blood glucose by OP in diets. Mice gut microbiota analysis indicated that Actinobacteria decreased in the OP diets compared to the two control diets while Bacteroidetes increased, indicating a positive correlation with reduced body fat and weight. Drum‐dried pitted OP is a novel agricultural by‐product with its bioactive compounds having the potential to be incorporated in feeds and foods providing health benefits.Practical ApplicationDrum‐dried pitted olive pomace can be produced from first or second olive oil extraction byproducts to be used as a shelf‐stable healthy food or feed supplement.
Geographical origin determination of Red Huajiao in China using the electronic nose combined with ensemble recognition algorithm
Authors: Mao Yuezhong , Li Na , Shi Bolin , Zhao Lei , Cheng Shiwen , Tian Shiyi , Wang Houyin 
Published: October 2021

AbstractRed Huajiao was the most important Zanthoxylum species in China, and its quality was highly determined the geographical region. This study was aimed to establish a determination method for the geographical origin recognition of Red Huajiao by using the electronic nose and ensemble recognition algorithm. Six origins of samples were detected by the electronic nose, and two categories of electronic nose sensors characteristic values, named as “optimized characteristic value” and “filtered characteristic value,” were obtained by the principal component analysis and discrimination index method and Filter–Wrapper method. Based on the two categories of characteristic values, 22 kinds of model analysis methods, which belonged to five categories of ensemble recognition algorithms were used to recognize the geographical origin. The total recognition accuracy rate of the two categories of characteristic values were 83.9% and 85.7%, respectively. Furthermore, during 22 kinds of model analysis method, the ensemble Subspace KNN and Bagged Trees methods in Ensemble Learning algorithm exhibited the best distinguishing ability with the accuracy rate more than 90%. Therefore, the electronic nose combined with Ensemble Learning would be promising for the geographical origin determination application.Practical ApplicationThis work demonstrates that the Red Huajiao can be simply and rapidly determined by using electronic nose combined with ensemble recognition algorithm, allowing to effectively distinguish geographical origin of Red Huajiao, which can provide an important reference for the quality assessment of Huajiao.
Impact of solid‐state saccharification on the flavor of rice‐flavorbaijiu
Authors: Zhao Zhe , Sugimachi Mina , Yoshizaki Yumiko , Yin Xuan , Han Xing‐Lin , Okutsu Kayu , Futagami Taiki , Tamaki Hisanori , Takamine Kazunori 
Published: October 2021

AbstractRice‐flavorbaijiuis a traditional Chinese liquor. The flavor profile and volatiles presented with or without the solid‐state saccharification (SSS) were investigated to reveal the effects of SSS process on the quality of rice‐flavorbaijiu. The liquor prepared with SSS had a sweet flavor. It contained significantly higher contents of β‐phenylethyl alcohol, β‐phenylethyl acetate, and ethyl lactate with odor active value of >1. The liquor prepared without SSS had a cheese‐like flavor. It was confirmed that the cheese‐like flavor derived from butanoic acid was only detected in the liquor prepared without SSS. SSS facilitated the biosynthesis of β‐phenylethyl alcohol and ethyl lactate by supplying a large amount of phenylalanine and lactic acid at the initial stage of fermentation, and it prevented contamination. These results indicated that the SSS process contributed to produce the characteristic flavor compounds of rice‐flavorbaijiu.Practical ApplicationSolid‐state saccharification (SSS) process of rice‐flavorbaijiucontributes not only in brewing, but also in the production of the characteristic flavor compounds and the repression of the off‐flavor derived from the contamination. Therefore, SSS is a critical process to control the flavor of rice‐flavorbaijiu.