bluuebunny/crossref_metadata_2025_split huggingface dataset:
Does focus strategy work? A study of bank loan portfolios in Indonesia
Authors: Atahau Apriani Dorkas Rambu , Cronje Tom 
Published: May 2019

PurposeThe purpose of this paper is to determine the impact of loan concentration on the returns of Indonesian banks and examines whether bank ownership types affect the relationship between concentration and returns.Design/methodology/approachThis research uses heuristic measures of concentration: The Hirschman–Herfindahl index and Deviation from Aggregated Averages are applied to Indonesian banks across all sectors. The data covers the pre and post global financial crises periods from 2003-2011 for 109 commercial banks in Indonesia. Panel feasible generalised least squares analysis was applied.FindingsThe findings show that loan concentration increases bank returns. The positive effect of concentration on returns tends to be more significant for domestic-owned banks. In addition, the interaction effect shows that the positive effect of concentration on returns is less for foreign-owned banks.Research limitations/implicationsThe Indonesian central bank changes to the reporting format of sectoral loan allocation by banks since 2012 in terms of the Indonesian Banking Statistics Details of Enhancement matrix requires separate data analysis for 2012 onwards. The findings of this paper could be enhanced by more detailed data like interest rate expenses and bank level sectoral non-performing loans data.Practical implicationsThe findings suggest that a focus strategy provides better returns. Moreover, bank ownership types is an important factor to consider when setting a bank lending policy.Originality/valueThis paper is among the few studies where different measures of loan concentration in combination with measures of return are applied in Indonesia as an emerging Asian country. The research also provides evidence of the impact of concentration on the interest earnings of the loan portfolios of banks in addition to return on assets and return on equity that are generally applied as measures of return in previous research.
International student perceptions of experience in the West
Authors: Buchanan F. Robert 
Published: May 2019

PurposeThe purpose of this exploratory study is an examination of some perceptions of US education, as experienced by foreign MBA students.Design/methodology/approachA longitudinal field study captured perceptions of a group of 51 international students over a one-year interval. The first anticipatory survey was done in India, and the follow-up was made in the USA at the end of a foreign sojourn semester. Inter-item correlations andt-tests were used to examine variance in student perceptions, highlighted by qualitative elements.FindingsIn general, the students went home, less impressed than they had expected to be in terms of the perceived general quality of the American business education, as well as their abilities to make friends with the local people. Additionally, the observed preparation of the American students for master’s studies was not nearly as high as the foreign students had anticipated.Research limitations/implicationsResults are not generalizable to broad populations, as the sample was small and localized.Social implicationsEmerging markets are successfully luring locals and sojourners based on cost and proximity as they achieve greater legitimacy in their institutional credentials. This could challenge the preeminence of Western higher education, especially in light of concerns arising from marketization and rigor. Meanwhile, developed market institutions need to be strategically mindful of their international guests as a resource rather than a commodity.Originality/valueExtant internationalization studies tend to focus on administrative viewpoints, whereas this research examines the perspective of international students, which may be indicative of lessening gaps between perceptions of quality of developed and emerging market higher education.
An investigation into agile learning processes and knowledge sharing practices to prevent identity theft in the online retail organisations
Authors: Shah Mahmood , Maitlo Abdullah , Jones Paul , Yusuf Yahaya 
Published: May 2019

Purpose
Lack of individual awareness of knowledge sharing practices to prevent identity theft is a significant issue for online retail organisations (OROs). Agile learning processes and sharing of knowledge is essential, but the lack of relevant training inhibits these processes within the online industry. This study aims to identify the inhibiting factors in agile learning and knowledge sharing process with recommendations for best practice for organisations and staff to effectively share knowledge on identity theft prevention.

Design/methodology/approach
Three qualitative case studies were undertaken in OROs in the UK. Data were collected using semi-structured interviews, internal documents and related external material. The data were analysed using a thematic analysis method.

Findings
The findings identified that individual staff members within OROs from the information security and fraud prevention departments often share their knowledge as a community. However, there is no formal knowledge sharing process or any related training facilitating this exchange. There is a need for agile learning environment in OROs of the UK.

Originality/value
The study offers both theoretical and practical contributions to the extant literature of agile learning of knowledge sharing to prevent identity theft in OROs. Existing learning opportunities are not being used to enhance the knowledge of individuals, and OROs need to increase the skills and trust of their staff to share knowledge efficiently. This study identifies the systemic weaknesses inherent in the process of knowledge sharing and existing training provision within OROs. It provides ORO managers with practical guidelines in facilitating trust between individuals and developing appropriate training systems to educate staff on sharing organisational knowledge. This study contributes by extending the knowledge sharing framework proposed by Chong et al. (2011) for enhanced individual knowledge sharing processes to prevent identity theft within OROs. It also identifies OROs’ weaknesses in knowledge sharing learning processes for theft prevention and offers prevention guidelines and recommendations for developing effective agile learning environments.
The impact of technological innovation upon servitization
Authors: Hwang Bang-Ning , Hsu Mu-Yen 
Published: May 2019

Purpose
For most manufacturing firms, technological innovations are usually the key strategies to gain their competitive advantages. However, competing strategically through service provision is becoming an important strategy for most industries. A growing demand for packaged product and service delivery is blurring the traditional boundaries between manufacturing and service firms. This trend is called “servitization.” Prior research had different perspectives on the relationship between technological innovations and servitization. Some argued that as servitization exerts the innovative convergence of products and services, the possession of appropriate readiness and absorption capacity through technological innovations for a manufacturing firm is critical to the success of servitization. In contrast, some argued that the knowledge gained from developing technological innovations cannot be applied to the creation of services due to the fundamental difference between technology and service. These contradicting arguments motivated the authors to study the relationship between technological innovations and servitization a step further. The paper aims to discuss these issues.

Design/methodology/approach
To address the research gap, the authors conducted an empirical study based on the large-scale samples from the second Taiwan Community Innovation Survey (Taiwan CIS). A multivariate logistic regression model was applied in the research.

Findings
The authors found that different types of technological innovations, namely product innovation and process innovation, have different impacts on servitization. The innovativeness level of the technological innovation moderates the relationship between technological innovation and servitization. Based on the above findings, this research specifically explains the causes of the contradictory results of the prior research.

Originality/value
The values of this research are twofold. Its academic contribution rests on bridging the literature of innovation and servitization, and on providing a model to clarify the relationships among technological innovation type, level of innovativeness and servitization. Its practical contribution lies in its establishment of a guideline that illuminates manufacturing firms reinforcing service delivery through their existing technological innovation trajectory.
Observation of the enhanced tunnel current of NiO thin films in grain boundary by peakforce TUNA
Authors: Zhang Yidong 
Published: May 2019

Purpose
The purpose of this paper is to investigate the nanoscale electric performance of NiO thin films in grain boundary and grain face.

Design/methodology/approach
PeakForce tunnel atomic force is applied to visualize the nanoscale current imaging of the NiO thin film on fluorine tin oxide substrate.

Findings
The results show that the grain boundary has a significant impact on the nanoscale current of the NiO film. The electronic conductivity and in grain boundary is higher than that of the NiO film in grain face. The width of the conductive zone in the NiO film over grain boundaries is ∼ 60 nm. The tunnel current between the tip and the NiO film is consistent with the Fowler–Nordheim tunnel model.

Originality/value
The higher tunnel current in grain boundary is probably attributed to the enhanced energy band bending and adhesion force.
Challenging investment decision-making in pension funds
Authors: Trönnberg Carl-Christian , Hemlin Sven 
Published: May 2019

Purpose
The purpose of this study was to gain a better understanding of pension fund managers investment thinking when confronted with challenging investment decisions. The study focuses on the theoretical question of how dual thinking processes in experts’ investment decision-making emerge. This question has attracted interest in economic psychology but has not yet been answered. Here, it is explored in the context of pension funds.

Design/methodology/approach
The sample included 22 pension fund managers. The authors explored their decision-making by applying the critical incident interview technique, which entailed collecting investment decisions that fund managers retrieved from recent memory (Flanagan, 1954). Questions concerned the investment situation, the decision-making process and the challenges and uncertainties the fund managers faced.

Findings
Many of the 61 critical incidents examined concerned challenging (mostly stock) investments based on extensive analysis (e.g. reliance on external analysts for advice; analysis of massive amounts of hard company and stock market information; scrutiny of company reports and personal meetings with CEOs). However, fund managers to a high degree based their decisions on soft information judgments such as experience and qualitative judgements of teams. The authors found heuristics, intuitive thinking, biases (sunk cost effects) and social influences in investment decision-making.

Research limitations/implications
The sample is small and not randomly selected.

Practical implications
The authors suggest anti-bias training and better acquaintance with human forecasting limitations for pension fund managers.

Originality/value
Pension fund managers’ investment thinking has not previously been investigated. The authors show the types of investment situations in which analytical and intuitive thinking and biases occur.
Startup on a budget: winning new customers without breaking the bank
Authors: Bertels Heidi M.J. 
Published: May 2019

Theoretical basis
The case ties together a number of marketing concepts and theories within the context of a startup which might be addressed in an entrepreneurship or marketing course. The case focuses on niche, digital, and social media marketing and utilizes fundamental marketing concepts such as target market, value proposition, brand positioning, the marketing communications mix and the adopter categories of the diffusion of innovation theory.

Research methodology
The case is based on interviews from 2014 to 2017 with the founder of Lammily, Nickolay Lamm, supplemented by internet research.

Case overview/synopsis
Lammily is a startup company in its second year of existence which produces toys that embody realism: a fashion doll with proportions based on an average 19-year-old American woman, a sticker set of common body markings such as booboos and cellulite to make dolls look realistically, and doll outfits. After the company’s initial success in 2014, fueled by positive publicity from online media eager to share information about the average doll project, sales were flat. Nickolay Lamm, the founder of Lammily, started to feel the heat to acquire new customers in ways that did not rely solely on digital word-of mouth. In response, Lammily commissioned a direct response TV commercial in the Summer of 2015, but it failed to lead to significant new customer growth. This case describes how Nickolay struggles to move beyond the launch phase of his entrepreneurial venture and turn his startup into a business with a sustainable customer base. Facing stagnating growth and established competitors with deep pockets, Nickolay needs to figure out why the TV commercial did not work for Lammily and what his new plan to acquire new customers will be.

Complexity academic level
This case would be well-positioned in an undergraduate or graduate-level entrepreneurship course that exposes students to the challenges of promoting a new brand and marketing a new line of products in a competitive market with established competitors. It is also good a good fit for a general marketing or entrepreneurial marketing course. The case focuses on how a startup can optimize its advertising strategy for a niche market to stimulate growth with a limited budget by using digital marketing techniques.
Complete genome sequence and characterization of virulence genes in Lancefield group C Streptococcus dysgalactiae isolated from farmed amberjack (Seriola dumerili)
Authors: Nishiki Issei , Yoshida Terutoyo , Fujiwara Atushi 
Published: May 2019

AbstractLancefield group C Streptococcus dysgalactiae causes infections in farmed fish. Here, the genome of S. dysgalactiae strain kdys0611, isolated from farmed amberjack (Seriola dumerili) was sequenced. The complete genome sequence of kdys0611 consists of a single chromosome and five plasmids. The chromosome is 2,142,780 bp long and has a GC content of 40%. It possesses 2061 coding sequences and 67 tRNA and 6 rRNA operons. One clustered regularly interspaced short palindromic repeat, 125 insertion sequences, and four predicted prophage elements were identified. Phylogenetic analysis based on 126 core genes suggested that the kdys0611 strain is more closely related to S. dysgalactiae subsp. dysgalactiae than to S. dysgalactiae subsp. equisimilis. The genome of kdys0611 harbors 87 genes with sequence similarity to putative virulence‐associated genes identified in other bacteria, of which 57 exhibit amino acid identity (>52%) to genes of the S. dysgalactiae subsp. equisimilis GGS124 human clinical isolate. Four putative virulence genes, emm5 (FGCSD_0256), spg_2 (FGCSD_1961), skc (FGCSD_1012), and cna (FGCSD_0159), in kdys0611 did not show significant homology with any deposited S. dysgalactiae genes. The chromosomal sequence of kdys0611 has been deposited in GenBank under Accession No. AP018726. This is the first report of the complete genome sequence of S. dysgalactiae isolated from fish.
Outcomes of an individual placement and support programme incorporating principles of the collaborative recovery model
Authors: Scanlan Justin Newton , Feder Kate , Ennals Priscilla , Hancock Nicola 
Published: May 2019

IntroductionEngaging in employment enhances mental health recovery and is therefore of central focus for many occupational therapists working in mental health. Individual placement and support (IPS) is an evidence‐based, supported employment model specifically designed for individuals with severe mental illness who have the desire to work. Despite strong support for IPS in Australia, implementation challenges have been encountered. This study evaluates outcomes achieved by participants engaged with WorkWell, an IPS programme delivered by a large Australian non‐government organisation. In addition to following IPS principles, WorkWell was informed by principles of the collaborative recovery model (CRM).MethodDe‐identified outcomes data for each participant were analysed by an independent research team. The proportion of individuals engaged with the programme who achieved a competitive employment placement was calculated. Average employment duration and weekly wages were calculated for individuals who achieved a competitive employment placement. Finally, the proportion of individuals who achieved some form of vocationally relevant outcome was calculated.ResultsNinety‐seven participants were engaged with the programme. Forty‐eight participants (49.5%) gained a competitive employment position. Average employment duration was 151 days (21.6 weeks) and average weekly wage was $478. Overall, 62 participants (63.9%) were supported to achieve some kind of vocationally relevant outcome (e.g. competitive employment, education, work trial or voluntary work) as a result of their engagement with the programme.ConclusionWhile the addition of CRM principles appears to have supported positive outcomes for participants, especially in terms of employment duration, results for employment placement rates were lower than expected. While the employment placement rate compares favourably to results from the international literature and numerous programmes in Australia, more development is required to increase the proportion of individuals who are supported into competitive employment positions. Future research should focus on the specific elements of CRM that most contribute to enhancing IPS processes.
Quantifying terrestrial carbon in freshwater food webs using amino acid isotope analysis: Case study with an endemic cavefish
Authors: Liew Jia H. , Chua Kenny W. J. , Arsenault Emily R. , Thorp James H. , Suvarnaraksha Apinun , Amirrudin Ahmad , Yeo Darren C. J. 
Published: May 2019

Abstract

Flow of terrestrial carbon though aquatic ecosystems (allochthony) is an important but underestimated component of the global carbon cycle. A lack of clear consensus about the importance of allochthonous (terrestrial) organic carbon is sometimes attributed to uncertainties associated with conventional ‘bulk’ isotope data, the most widely used ecological tracer.

Amino acid‐specific isotope analysis is an emerging research method promising to address existing limitations of bulk C and N isotope analyses. We tested the efficacy of amino acid δ13C data as a generalizable measure of allochthony by analysing an aggregated dataset (n = 168) of primary and secondary data of carbon sources from disparate geographical locations across the globe.

We found the δ13C fingerprints amino acids to be consistently distinct between allochthonous (terrestrial) and autochthonous (aquatic) carbon sources. We also found that our approach is most effective when we use only essential amino acid tracers (i.e. isoleucine, leucine, phenylalanine, threonine and valine). Predictive trends in δ13C fingerprints appear to be largely compatible across studies and/or laboratories.

As a case study, we used this approach to quantify the contribution of terrestrial carbon to an endemic cavefish, Cryptotora thamicola, and found that its biomass was comprised largely of autochthonous carbon (~75%).
OpenDropOff: An open‐source, low‐cost drop‐off unit for animal‐borne devices
Authors: Rafiq Kasim , Appleby Rob G. , Edgar Jason P. , Jordan Neil R. , Dexter Cathryn E. , Jones Darryl N. , Blacker Amy R. F. , Cochrane Matthew 
Published: May 2019

Abstract

The use of animal‐borne devices in wildlife studies is increasing due to the miniaturization of sensors and reductions in component costs. Retrieval of animal‐borne devices is often advantageous for several reasons, including data retrieval and animal welfare considerations; however, commercially available drop‐off units are often prohibitively expensive and/or unreliable.

Here, we present ‘OpenDropOff’, an open‐source, low‐cost electronic drop‐off unit for remotely detaching animal‐borne sensors from individuals. OpenDropOff devices function by using heat, produced by running an electrical current through resistance wire (nichrome), to melt nylon (e.g. fishing) line, detaching sensors from animals at or after a pre‐determined time. OpenDropOff can be constructed using commercially available components (costing < USD $15 in total; approximately 10% or less of many commercially available drop‐off units) and can be customized to fit project‐ and species‐specific needs.

Fourteen OpenDropOff devices have been field deployed on koalas (Phascolarctos cinereus) (n = 11), swamp wallaby (Wallabia bicolor) (n = 1), Australian brush turkey (Alectura lathami) (n = 1) and Australian white ibis (Threskiornis molucca) (n = 1), with the only detachment failure occurring after a device was damaged during the koala’s unrelated death.

OpenDropOff devices provide a wider range of researchers with a reliable, cost‐effective tool for detaching animal‐borne sensors. Their use could allow researchers to more efficiently allocate project resources, and their flexibility provides an opportunity to mitigate animal welfare concerns surrounding the use of animal‐borne devices.
Landowner valuation of a working wetlands program in the Prairie Pothole Region
Authors: Wachenheim Cheryl Joy , Lim Siew Hoon , Roberts David C. , Devney John 
Published: May 2019

AbstractWetlands conservation within agricultural working lands is currently incentivized by land retirement programs and farm program eligibility criteria. Private ownership of the majority of agricultural lands within which these wetlands reside and growing opportunity costs facing landowners put wetlands at risk and motivate consideration of alternative policy options. A choice experiment was used to estimate likelihood of enrollment in a hypothetical working wetlands program. Landowners preferred shorter contract lengths, higher rental rates, midterm adjustment rather than a fixed‐rate contract, the right to conduct managed burning on their lands‐containing program wetlands, and no conservation practice requirement. Landowners with higher expressed valuation of conservation and who favor protecting wetlands, believe that small wetlands are important for their farms, who would not drain any of their wetlands, and raise ruminant animals are more inclined to participate in the program. Recommendations include consideration of program targeting during program design, practicing creative thought regarding program promotion, and exploration of no‐loss wetlands solutions, especially those market based.