bluuebunny/crossref_metadata_2025_split huggingface dataset:
The Islamic credit card as an electronic payment method: the technical trick in the installment payment contract as a financial product
Authors: Alhusban Ahmad Abed Alla , Massadeh Ali Abdel Mahdi , Haloush Haitham 
Published: May 2021

Purpose
This study aims to examine the validity of the installment payment contract when using the first Islamic credit card (ICC) in Jordan and will explore the hidden techniques that are used to operate such a financial product. The purpose of the study will be achieved by examining the structure and the issues surrounding the first ICC that was introduced to the Jordanian market as a hybrid contract of Qard Hassan (benevolent loan), Murabaha, Wakalah (agency) and Bay‘ Al Ajjal (credit sale). In addition, a further objective is to examine whether this credit card is a Sharia-compliant financial product.

Design/methodology/approach
A qualitative research method approach was adopted to understand the issues, nature and structure of the first Jordanian ICC. This was due to the explanatory nature of the product, the different financial solutions it offered and the fact that the ICC in Jordan is, to date, relatively unexplored. This paper used the technique of content/thematic analysis that involves multiple sequenced steps to analyze these matters.

Findings
The main finding of this research is that the first ICC in the Jordanian financial market has caused a degree of uncertainty. This is because, once a customer decides to choose the installment payment contract option, the bank does not have real possession of the assets in question. The issue of constructive possession has been denied by several classic and contemporary Islamic scholars, including the General Iftaa Department of Jordan. Therefore, it can be seen that the installment payment contract option does not comply with Islamic principles and particular Fatwas that have been decreed.

Originality/value
This is the first study that shows how the first ICC, being a new Islamic financial product in Jordan, operates in relation to the installment payment contract. In addition, focusing on the concept of changing the nature of the contract from a Qard Hassan (benevolent loan) to a hybrid contract is significant, to encourage Islamic scholars to take a clear, legal stand under Sharia law.
Six sigma in health-care service: a case study on COVID 19 patients’ satisfaction
Authors: Raja Mohamed Kaja Bantha Navas , M. Palaninatha Raja , S. SharmilaParveen , A. John Rajan , Anderson Ranjitham 
Published: May 2021

Purpose
The purpose of this paper is to determine the major influencing factors for the COVID 19 patients’ satisfaction with a six sigma framework model and to explore the successful deployment of six sigma in the health-care sector a case study on COVID 19 patients’ satisfaction.

Design/methodology/approach
The study is based on a descriptive research design conducted in Chennai, India between May to July 2020 wherein 1,000 COVID 19 patients were studied. The convenience sampling method is used by the researcher for data collection. In this research paper, define-measure-analysis-improve-control methodology has been applied and factors such as assurance, process standardization, infrastructure, waiting time, cost were analyzed using quality function deployment (QFD), regression analysis and Monte Carlo simulation.

Findings
The applied six sigma model indicated that process standardization contributed the most toward the variation in COVID 19 patients’ satisfaction. Assurance by doctors is the second important factor. The interpersonal quality is important, which indicates a higher level of psychological needs in COVID 19 patients. Waiting time is another important factor influencing COVID 19 patients’ satisfaction. One of the unexpected findings is that cost is insignificant in influencing COVID 19 patients’ satisfaction.

Originality/value
Six Sigma focuses on process variation improvement that encourages data analysis and problem-solving statistical techniques and evaluates the ability of a process to perform defect-free. Six sigma focused toward COVID 19 patients’ satisfaction has not been carried out, which this paper has done.
Custom-made apparel manufacturing micro-enterprise owners’ perspectives on sustainability: how higher education can contribute
Authors: Christie Lorna , Kempen Elizabeth , Strydom Mariette 
Published: May 2021

Purpose
The purpose of this paper is to investigate custom-made apparel manufacturing micro-enterprise (CMME) owners’ perspectives of sustainability within their business practices throughout the entire product development process and determine how educational initiatives can promote a more environmentally conscious product development process.

Design/methodology/approach
A qualitative case study, using face-to-face interviews and observations of CMMEs at an incubation hub presents evidence of owners’ sustainability perspectives.

Findings
Although CMME owners disregard sustainability as a pro-environmental approach within the business context, attempts at pro-environmental subconscious behaviour and a deliberate non-environmental consciousness are evident in sourcing and manufacturing during the product development process.

Research limitations/implications
Because of the case study approach of four CMMEs in an IH, the findings may not be applicable to other small and micro-businesses. Despite this limitation, valuable insights emerged that show the current inaptness of the CMMEs to manage an environmentally sustainable business practice.

Social implications
To promote sustainable development goal 12, related to the clothing and textile industry, it is postulated that CMMEs should be supported to minimise their use of resources, thereby promoting environmental sustainability.

Originality/value
The findings of this study direct the development of higher education educational programmes featuring learning content on pro-environmental design and business practices for CMMEs.
Towards effective e-learning on sustainability: a case study-course on participatory processes in environmental politics
Authors: Perbandt Daniela , Heinelt Marie-Sophie , Bacelar-Nicolau Paula , Mapar Mahsa , Caeiro Sandra Sofia 
Published: May 2021

Purpose
Distance universities are of great importance for establishing sustainability literacy, as they operate as multipliers for thousands of students. However, despite several advantages of e-learning environments compared to traditional class-teaching, there are still challenges regarding suitable e-learning tools and didactical models. The purpose of this paper is to evaluate the effectiveness of several e-learning tools on students’ knowledge and skills growth and to compare two learning paths, synchronous vs asynchronous, exploring how each affects the level of students’ knowledge achievement and skills acquisition.

Design/methodology/approach
The empirical analysis is based on an online course “Participatory processes in environmental politics”. International MSc and PhD students who enrolled in the course were from FernUniversität in Hagen (Germany) and Aberta University (Portugal). The course was designed as the flipped classroom, applying different e-learning tools and activities, some synchronous and others asynchronous. A pre- and post-evaluation questionnaire was applied to evaluate students’ knowledge and skills. Descriptive statistical analyses were carried out on this data.

Findings
Results showed that in the synchronous group, knowledge about theoretical approaches to citizen participation and sustainable environmental governance improved to a greater extent, whereas the asynchronous group showed greater improvement in nearly all skills related to intercultural communication and e-learning. Also, in the synchronous path, students enhanced their knowledge on “research application” to a greater extent.

Originality/value
Evaluating the effectiveness of different e-learning tools on students’ sustainability knowledge and information and communication technologies skills is a fundamental issue. The study discusses these issues, contributing to enhancing the use of adequate and grounded e-learning models on sustainable development in higher education.
Consumer willingness to pay for locally produced hard cider in the USA
Authors: Jensen Kimberly Lynn , DeLong Karen Lewis , Gill Mackenzie Belen , Hughes David Wheeler 
Published: May 2021

Purpose
This study aims to determine whether consumers are willing to pay a premium for locally produced hard apple cider and examine the factors influencing this premium. This study examines the influence of hard apple cider attributes and consumer characteristics on consumer preferences for local hard apple cider.

Design/methodology/approach
Data from a 2019 survey of 875 Tennessee consumers regarding their preferences for a local hard apple cider were obtained. Probit estimates were used to calculate the premium consumers were willing to pay for a locally made hard apple cider and factors influencing this premium. A multivariate probit was used to ascertain factors influencing the importance of attributes (e.g. heirloom apples, sweetness/dryness, sparking/still and no preservatives added) on local hard apple cider preference.

Findings
Consumers would pay a $3.22 premium for local hard apple cider compared with a $6.99 reference product. Local foods preferences, urbanization, weekly purchases of other alcoholic beverages and shopping venues influenced premium amounts. Other important attributes were sweetness/dryness and no preservatives. Influence of consumer demographics suggests targeted marketing of local ciders could be successful.

Originality/value
Few studies examine consumer preferences for hard apple ciders. This study represents a cross-sectional analysis of the premium consumers would pay for local hard apple ciders and the importance of other hard apple cider attributes.
EU money laundering regulation limit the use of tax havens
Authors: Rose Kalle Johannes 
Published: May 2021

Purpose
Recent research shows that financial institutions in the European Union (EU) close branches, offices and correspondent connections to jurisdictions with less transparency due to possible sanctions related to the increase in EU money laundering regulation. This tendency is called de-risking and the purpose of this paper is to analyze whether the recent regulatory approach towards money laundering in the EU limits the incentive to have operations in tax havens.

Design/methodology/approach
This paper follows a functional approach to law and economics.

Findings
The paper finds that recent EU money laundering regulation increase an incentive for financial institutions to limit any connection to jurisdictions known as tax havens, where transparency is at minimum. Thereby, it can be discussed whether the spillover effect from money laundering regulation in to the fight of tax avoidance could support further regulatory interference.

Originality/value
The recent trend of de-risking in light of money laundering regulation is scarcely covered by present research. Furthermore, there has been no linking of this de-risking tendency and the effects or relation to the use of tax havens/low tax jurisdictions.
Assessing restaurant review helpfulness through big data: dual-process and social influence theory
Authors: Kwon Wooseok , Lee Minwoo , Back Ki-Joon , Lee Kyung Young 
Published: May 2021

Purpose
This study aims to uncover how heuristic information cues (HIC) and systematic information cues (SIC) of online reviews influence review helpfulness and examine a moderating role of social influence in the process of assessing review helpfulness. In particular, this study conceptualizes a theoretical framework based on dual-process and social influence theory (SIT) and empirically tests the proposed hypotheses by analyzing a broad set of actual customer review data.

Design/methodology/approach
For 4,177,377 online reviews posted on Yelp.com from 2004 to 2018, this study used data mining and text analysis to extract independent variables. Zero-inflated negative binomial regression analysis was conducted to test the hypothesized model.

Findings
The present study demonstrates that both HIC and SIC have a significant relationship with review helpfulness. Normative social influence cue (NSIC) strengthened the relationship between HIC and review helpfulness. However, the moderating effect of NSIC was not valid in the relationship between SIC and review helpfulness.

Originality/value
This study contributes to the extant research on review helpfulness by providing a conceptual framework underpinned by dual-process theory and SIT. The study not only identifies determinants of review helpfulness but also reveals how social influences can impact individuals’ judgment on review helpfulness. By offering a state-of-the-art analysis with a vast amount of online reviews, this study contributes to the methodological improvement of further empirical research.
The effectiveness of anti-money laundering legislation in Islamic banking of Pakistan: experts’ opinion
Authors: Hassan Syed Saqlain Ul , Hussain Mohammad Azam , Sajid Saima 
Published: May 2021

Purpose
The efficient and strong financial system is considered as the backbone of the economy to function properly along with to attract international capital flow, investment and employment. But, on the other hand, weakness in the financial system will create negative impacts on the economy by sabotaging society’s trust in the financial system. In Pakistan, the key component of the financial sector is the banking sector including conventional and Islamic banking. Pakistan is among the pioneer of the Islamic banking sector, its share of 15.6% deposits in the total banking sector. This paper aims to analyze the effectiveness of anti-money laundering (AML) legislation in the Islamic banking sector of Pakistan.

Design/methodology/approach
The study is doctrinal legal research. The semi-structured interview approach for analysis have been adopted to analyze the materials used in the study to attain the objective. The survey approach was used in critically analyzing the effectiveness of AML laws in conjunction with Islamic banking of Pakistan by incorporating the expert’s views and perceptions. The interviews conducted through electronic media including email, WhatsApp and LinkedIn.

Findings
The findings revealed that the State Bank of Pakistan is playing an active role and bringing stringent updates and regulations from time to time for the enforcement of these legislations. The irony is that these laws are not implemented in a proper way due to a lack of coordination among legislative authorities and the banking sector.

Research limitations/implications
As money laundering is an international recognized offense, the study is based on only the Islamic banking sector of Pakistan. This is a very extensive and contentious matter, and this study is impeding money laundering operations and their analysis to the Islamic banks only.

Practical implications
It is recommended that more efficient laws and regulatory environments are a needed in the Islamic banking sector of Pakistan accompanied by proper and timely implementations of these laws with the joint collaboration of national and international agencies.

Originality/value
This is the first study that incorporated the expert’s opinion from diverse background to analyze the effectiveness of AML legislation with special reference to the Islamic banking sector of Pakistan and contribute significantly in providing greater insight in improving AML legislations in Pakistan.
Redefining brand hijacking from a non-collaborative brand co-creation perspective
Authors: Siano Alfonso , Confetto Maria Giovanna , Vollero Agostino , Covucci Claudia 
Published: May 2021

PurposeIn the democratic digital environment, brand managers frequently deal with the unauthorized use of the brand by third parties. The phenomenon, known as brand hijacking, has been treated in different and sometimes conflicting ways in the academic and professional literature. The aim of this paper is to clarify the meaning of brand hijacking and to shed light on the various motivations and intentions underpinning the phenomenon.Design/methodology/approachA Delphi-based survey among both academic and professional experts was conducted to explore the key features of brand hijacking and expand existing theories.FindingsThe results of the Delphi survey enable the main brand hijacking actions to be mapped, based on two motivational axes (utilitarian–idealistic and destructive–constructive) and on the various intentions that guide the hijackers. The results help re-define the key elements of brand hijacking, through the lens of non-collaborative brand co-creation.Practical implicationsManagerial implications are presented in terms of the corporate response to the two main effects of hijacking, namely, brand reputational damage and brand repositioning.Originality/valueThe paper helps to shed light on the main components of brand hijacking, thus gaining expert consensus in refining the existent conceptualization in relation to a rapidly changing brand management scenario because of the gradual loss by brand managers of their traditional control.
The impact of digital technologies on business models. Insights from the space industry
Authors: Aloini Davide , Latronico Loretta , Pellegrini Luisa 
Published: May 2021

Purpose
In the past decade, in the space industry, many initiatives intended at offering open access to big data from space multiplied. Therefore, firms started adopting business models (BMs) which lever on digital technologies (e.g. cloud computing, high-performance computing and artificial intelligence), to seize these opportunities. Within this scenario, this article aims at answering the following research question: which digital technologies do impact which components the BM is made of?

Design/methodology/approach
An exploratory multiple case study approach was used. Three cases operating in the space industry that lever on digital technologies to implement their business were analyzed. Despite concerns regarding reliability and validity, multiple case studies allow greater understanding of causality, and show superiority respect to quantitative studies for theory building.

Findings
Big data, system integration (artificial intelligence, high-performance computing) and cloud computing seem to be pivotal in the space industry. It emerges that digital technologies involve all the different areas and components of the BM.

Originality/value
This paper sheds light on the impact that digital technologies have on the different BM components. It is only understanding which technologies can support the value proposition, which technologies make the infrastructural part able to support this proposition, which technologies may be helpful for delivering and communicating this value to customers and which technologies may help firms to appropriate the value that it is possible to seize the impact of digital technologies on BM.
Increased prevalence of doxycycline low‐susceptible Cutibacterium acnes isolated from acne patients in Japan caused by antimicrobial use and diversification of tetracycline resistance factors
Authors: Aoki Sae , Nakase Keisuke , Hayashi Nobukazu , Nakaminami Hidemasa , Noguchi Norihisa 
Published: May 2021

AbstractThe prevalence of antimicrobial‐resistant Cutibacterium acnes is an important concern for the antimicrobial treatment of acne vulgaris. We hypothesized that antimicrobial treatment regimens for acne vulgaris would change following the revisions in the Japanese acne treatment guidelines, which added a statement regarding appropriate antimicrobial usage. Here, we studied the changes in antimicrobial use and antimicrobial‐resistant C. acnes isolated from acne patients. A total of 127 C. acnes isolates collected from 212 patients with acne between 2013 and 2018 were used. Roxithromycin and clindamycin resistance rates were approximately 50% and 40%, respectively. In contrast, the prevalence of low doxycycline‐susceptible strains (minimum inhibitory concentration [MIC] ≥8 μg/mL) in 2018 (17.4%) was 5.6‐fold higher than that in 2013 (3.1%). Although the number of patients with severe and moderate acne did not change, the number of patients with a history of oral tetracycline use increased. The incidence of low doxycycline‐susceptible strains was high in patients with a history of oral tetracycline use. The prevalence of strains with a 16S rRNA mutation, which confers reduced susceptibility to tetracyclines, increased by 8.6‐fold (12.1%) from 2016 to 2018 in comparison with the previously revised guidelines (1.4%). Furthermore, the prevalence of low susceptibility strains with two resistance factors, 16S rRNA mutation and ribosomal S10 protein substitution, also increased. Approximately 10% of strains had the exogenous resistance gene, tet(W) (2013 to 2015, 10.1%; 2016 to 2018, 8.6%), and these strains showed different susceptibility to doxycycline dependent on the expression of tet(W) (MIC range 0.5–8 μg/mL). Our data show that the antimicrobial resistance pattern in C. acnes changes according to the trend of antimicrobial usage for acne treatment. Therefore, we should pay heed to the rapid dissemination of tetracycline resistance in C. acnes owing to acquisition of 16S rRNA mutation and tet(W).
Assessing the camera trap methodologies used to estimate density of unmarked populations
Authors: Palencia Pablo , Rowcliffe J. Marcus , Vicente Joaquín , Acevedo Pelayo 
Published: May 2021

AbstractPopulation density estimations are essential for wildlife management and conservation. Camera traps have become a promising cost‐effective tool, for which several methods have been described to estimate population density when individuals are unrecognizable (i.e. unmarked populations). However, comparative tests of their applicability and performance are scarce.Here, we have compared three methods based on camera traps to estimate population density without individual recognition: Random Encounter Model (REM), Random Encounter and Staying Time (REST) and Distance Sampling with camera traps (CT‐DS). Comparisons were carried out in terms of consistency with one another, precision and cost‐effectiveness. We considered six natural populations with a wide range of densities, and three species with different behavioural traits (red deerCervus elaphus, wild boarSus scrofaand red foxVulpes vulpes). In three of these populations, we obtained independent density estimates as a reference.The densities estimated ranged from 0.23 individuals/km2(fox) to 34.87 individuals/km2(red deer). We did not find significant differences in terms of density values estimated by the three methods in five out of six populations, but REM has a tendency to generate higher average density values than REST and CT‐DS. Regarding the independents’ densities, REM results were not significantly different in any population, and REST and CT‐DS were significantly different in one population. The precision obtained was not significantly different between methods, with average coefficients of variation of 0.28 (REST), 0.36 (REM) and 0.42 (CT‐DS). The REST method required the lowest human effort.Synthesis and applications. Our results show that all of the methods examined can work well, with each having particular strengths and weaknesses. Broadly, Random Encounter and Staying Time (REST) could be recommended in scenarios of high abundance, Distance Sampling with camera traps (CT‐DS) in those of low abundance while Random Encounter Model (REM) can be recommended when camera trap performance is not optimal, as it can be applied with less risk of bias. This broadens the applicability of camera trapping for estimating densities of unmarked populations using information exclusively obtained from camera traps. This strengthens the case for scientifically based camera trapping as a cost‐effective method to provide reference estimates for wildlife managers, including within multi‐species monitoring programmes.