bluuebunny/crossref_metadata_2025_split huggingface dataset:
Malaysian consumers’ willingness to choose Islamic mortgage products
Authors: Amin Hanudin , Abdul-Rahman Abdul-Rahim , Abdul-Razak Dzuljastri 
Published: September 2016

PurposeThe purpose of this paper is to understand consumers’ willingness to choose Islamic mortgage products as a way to help Islamic banks tap into the Islamic mortgage sector in Malaysia.Design/methodology/approachUsing the Theory of Interpersonal Behaviour as a point of departure, this study proposes a framework that examines factors influencing consumers’ willingness to choose Islamic mortgage products. A total of 282 usable surveys are obtained from customers of Islamic banks and the data were analysed using partial least squares.FindingsThe results indicate that affect, social factors, and facilitating conditions influence willingness to choose Islamic mortgages. Besides these factors, the added factors, namely, perceived risk and perceived financial benefit, significantly influence consumers’ willingness to choose Islamic mortgages.Research limitations/implicationsThis study is confined to two public universities in Malaysia. Further testing of the proposed model across different population groups is necessary to determine the generalisability of this study’s findings. This study applies consumer factors such as affect, social factors, facilitating conditions, perceived risk and perceived financial benefit. Further testing on other factors is needed to expand the findings in this area.Practical implicationsThe results could help bank managers make improved decisions about the factors which they need to effectively market Islamic mortgage products. This study provides insights and guidance for bank managers to manage Islamic mortgage products.Originality/valueThe main contribution of this paper is a proposed framework of consumers’ willingness to choose Islamic mortgage products which takes into account the key factors necessary to predict consumers’ demand.
A meta-analysis of satisfaction in the banking sector
Authors: Ladeira Wagner Junior , Santini Fernando De Oliveira , Sampaio Cláudio Hoffmann , Perin Marcelo Gattermann , Araújo Clécio Falcão 
Published: September 2016

Purpose
The purpose of this paper is to present a systematic framework with a meta-analytical approach to distinguish various types of antecedents and consequences of satisfaction in the banking sector.

Design/methodology/approach
The authors conducted searches in 13 databases and analysed 811 relationships in 210 articles. For the quantitative data analysis, the authors used the coefficient of correlation r as a metric variable to measure the effect size of the studied scope variables.

Findings
The findings of this meta-analysis demonstrated ten dimensions that directly influence satisfaction in the banking sector: a bank’s atmosphere, special treatment and relational benefits, timesaving features, the dimensions and determinants of service quality, customers’ overall perceptions of service quality, end-user computing, service recovery, external factors, strategic orientation and behavioural outcomes. These ten dimensions were derived from 55 variables.

Research limitations/implications
This meta-analysis reviewed relationships found worldwide in the literature, expanding and improving the current knowledge. It identified ways that research on satisfaction in the banking sector is lacking and presents suggestions for the elaboration of new studies to allow future researchers to better define their agendas.

Practical implications
The results show that managers should care about satisfaction because it results from the consumer’s banking experience. The ten dimensions affect satisfaction to differing degrees.

Originality/value
This research tested the impact of the antecedents and consequences of satisfaction in the banking sector and presented important results through this meta-analytical review. This meta-analysis contributes to the marketing literature, with a set of empirical generalizations, including relationship coefficients and calculated fail-safe numbers.
Determinants of Ghanaian banks’ credit to the “missing middle”: a supply side approach
Authors: Boadi Isaac 
Published: September 2016

PurposeThe purpose of this paper is to use bank-level panel data to examine the determinants of Ghanaian banks credit to SMEs often referred to as the “Missing Middle.” Demands for bank credit by SMEs sector have been over flogged by researchers in recent times. Determinants of banks’ credit to SMEs from the supply side using most recent data for both micro (bank level) and macro (country) level data is a contribution to empirical literature.Design/methodology/approachThe study employed the Generalized methods of moments using ten banks listed on the Ghana Stock Exchange to examine factors that determine banks credit to SMEs in Ghana. Bank-specific and country-specific data were collected from the financial statements of the sampled commercial banks operating in Ghana compiled by Ghana Association of Bankers over the period 1997-2014 consisting of 180 observations. The macroeconomic variables were retrieved from Ghana Statistical Service and Bank of Ghana, respectively.FindingsThe result of the study reveal that apart from the size of top management and GDP growth, the rest of micro (bank-specific variables) and macro (country) level sampled statistically influences bank credit to SMEs. Specifically, the coefficient of bank size, its profitability and inflation variables are negative demonstrating that in Ghana, bigger, most profitable banks and high inflation period limit credit to the SMEs sector. The coefficients of board size and bank origin variables were found to be positive indicating banks with huge board size and foreign banks tend to provide more credit to SMEs.Originality/valueThe main value of this paper is to examine determinants of Ghanaian banks credit to the “Missing Middle.” A supply side approach.
Customer experience quality and demographic variables (age, gender, education level, and family income) in retail stores
Authors: Deshwal Pankaj 
Published: September 2016

PurposeThe purpose of this paper is to focus on ascertaining whether and how groups based on demographic variables (age, gender, education level, and family income) differs for dimensions of customer experience quality in the Indian retail store context.Design/methodology/approachA 23 items instrument was distributed to retail store customers. Demographic variables were age, gender, education level, and family income. Finally, the analysis was performed on 346 responses. ANOVA test was performed to find out the significant difference between the groups based on demographic variables with respect to components of customer experience quality in the Indian retail store context.FindingsAnalysis revealed that some categories of demographic variables differ with respect to dimensions of customer experience quality in the Indian retail store context.Originality/valueAuthors believe that this is the first study, which applies EXQ model in India retail context.
Who do you think you are? An initial investigation of ego identity development and criminogenic thinking among incarcerated offenders
Authors: Gavel David W. , T. Mandracchia Jon 
Published: September 2016

Purpose
Criminogenic thinking refers to patterns of specific cognitive events associated with criminal behavior that facilitate the development and maintenance of patterned criminal behavior. Relatively little is known about the specific processes involved in the development of criminogenic thinking. Therefore, the purpose of this paper is to examine ego identity development and criminal associations as two possible predictors of criminogenic thinking.

Design/methodology/approach
Participants included 104 adult male state penitentiary inmates. Participants completed measures assessing ego identity status, criminogenic thinking, and the amount of time spent in the presence with other offers. Data were analyzed with a series of hierarchical regressions.

Findings
Results indicated that active engagement in the psychosocial process of identity development is associated with decreased criminogenic thinking. However, interaction with criminal associates and incarceration prior to the age of 18 were significant predictors of criminogenic thinking, regardless of identity development style. Implications for correctional mental health and offender rehabilitation are discussed.

Originality/value
As this is the first study of its’ kind and limitations are to be expected, there are several potential implications for correctional mental health and offender rehabilitation that are discussed.
Towards global music digital libraries
Authors: Hu Xiao , Lee Jin Ha 
Published: September 2016

Purpose
The purpose of this paper is to compare music mood perceptions of people with diverse cultural backgrounds when they interact with Chinese music. It also discusses how the results can inform the design of global music digital libraries (MDL).

Design/methodology/approach
An online survey was designed based on the Music Information Retrieval Evaluation eXchange (MIREX) five-cluster mood model, to solicit mood perceptions of listeners in Hong Kong and the USA on a diverse set of Chinese music. Statistical analysis was applied to compare responses from the two user groups, with consideration of different music types and characteristics of listeners. Listeners’ textual responses were also analyzed with content coding.

Findings
Listeners from the two cultural groups made different mood judgments on all but one type of Chinese music. Hong Kong listeners reached higher levels of agreement on mood judgments than their US counterparts. Gender, age and familiarity with the songs were related to listeners’ mood judgment to some extent.

Practical implications
The MIREX five-cluster model may not be sufficient for representing the mood of Chinese music. Refinements are suggested. MDL are recommended to differentiate tags given by users from different cultural groups, and to differentiate music types when classifying or recommending Chinese music by mood.

Originality/value
It is the first study on cross-cultural access to Chinese music in MDL. Methods and the refined mood model can be applied to cross-cultural access to other music types and information objects.
To document the undocumentable
Authors: Kjellman Ulrika 
Published: September 2016

Purpose
The purpose of this paper is to see how the disciplines of physical anthropology and race biology used photographs as documenting tools when trying to prove the existence of variations among the human species dependent on race. On a more general level the study aims to contribute to the discussions on how images work as documents in scientific practice.

Design/methodology/approach
The primary methodology of this study is a functional and rhetorical analysis of the photographic material taken by the Swedish State Institute of Racial Biology between 1922 and 1958.

Findings
How images work as documents in scientific practice depends on what kind of documents they are, and what practices they take part in.

Originality/value
By showing how images played an important and substantial role in the research practices of physical anthropology and race biology, this paper stresses the importance of taking images as serious influences in scientific practice. The authors stress the need for further investigations into how images work as documents in scientific contexts.
Bubbles, Froth and Facts: Another Look at the Masters Hypothesis in Commodity Futures Markets
Authors: Sanders Dwight R. , Irwin Scott H. 
Published: September 2016

AbstractThe Masters Hypothesis suggests that long‐only index funds were the main cause of a massive increase in commodity prices in 2007–2008 and 2011–2012. Central to the Masters Hypothesis are three basic tenets: (i) long‐only commodity index funds were directly responsible for driving futures prices higher; (ii) the deviations from fundamental value were economically very large; (iii) the impact was pervasive across commodity futures markets. There has been a great deal of empirical research on the Masters Hypothesis and commodity market bubbles. However, surprisingly few studies have found evidence that directly support the main tenets of the Masters Hypothesis. Some have attributed the lack of supporting evidence to the low‐power of time‐series tests, market efficiency issues and a lack of conditioning variables within models. In this paper, we address each of these issues using updated data and new empirical approaches. Still, price behaviour consistent with the Masters Hypothesis is surprisingly difficult to find in the data. This is an important finding given the on‐going policy debate and regulations proposed or being implemented to limit speculative positions in these markets.
Powerful Individuals in a Globalized World
Authors: Partzsch Lena 
Published: September 2016

AbstractMark Zuckerberg, founder and CEO of Facebook, made media headlines at the end of last year when he announced his intention to donate most of his Facebook shares to charity. This article deals with the significance and potential of individuals, such as Zuckerberg, in a globalized world, to determine global policy agendas. Philanthropists who head global foundations are the most apparent. While philanthropists’ involvement in international relations is based on their capital, celebrities increasingly use their fame to do political advocacy, and social entrepreneurs are sometimes able to initiate change based on new ideas. Contributing to the existing literature, the article compares the characteristics of these three categories and discusses their relevance against the background of the increasing delegation of authority to private actors in global governance. When dealing with non‐state actors in global governance, scholars have simply assumed these actors to be collective entities. In consequence, we have missed the fact that power has not only shifted away from state actors but also increasingly concentrates on very few individuals who possess respective resources of power. The individualization of global policy processes therefore causes new problems of democratic accountability and legitimacy.
Effects of graded levels of liquid brewer's yeast on chemical composition and fermentation quality in cassava pulp and rice straw‐based total mixed ration silage
Authors: Kamphayae Sukanya , Kumagai Hajime , Bureenok Smerjai , Narmseelee Ramphrai , Butcha Patima 
Published: September 2016

AbstractThis study aimed to evaluate the effect of liquid brewer's yeast (LBY) addition on chemical composition and fermentation quality of mixture of LBY and cassava pulp (CVP) with rice straw (RS) in different ratios during preservation periods. Four mixtures of LBY, CVP and RS were made, that is mixture ratio of LBY : CVP : RS of 0% LBY, 20% LBY, 35% LBY and 50% LBY were 0:70:30, 20:50:30, 35:35:30 and 50:20:30 as fresh matter, respectively. The bags were opened at weeks 0, 1, 2, 4 and 8 after storage. The contents of dry matter, organic matter, crude protein (CP), ether extract (EE), neutral detergent fiber and acid detergent fiber ranged 36.4‐40.0, 88.9‐90.8, 4.0‐12.0, 1.1‐1.3, 58.8‐61.6 and 37.6‐40.0, respectively, and the contents of CP and EE increased and the other components decreased in proportion to LBY inclusion (P < 0.01). 50% LBY had the highest (P < 0.05) pH (4.81) and ammonia nitrogen per total nitrogen (NH3‐N/TN) (7.40%) and the lowest V‐score (90.3). Propionic and butyric acid contents were 0.01% or lower in each mixture and storage period. There were rapid pH decrease and NH3‐N/TN increase during the first week of the storage period. The increases of NH3‐N/TN and acetic acid content and decreases of pH, lactic acid content and V‐score during the preservation were more drastic as LBY inclusion increased. Although higher proportion of LBY produced higher CP and lower fiber contents in the mixture, attention should be paid for the reduction of fermentation quality during longer storage periods.
Interactive effect of inoculant and dried jujube powder on the fermentation quality and nitrogen fraction of alfalfa silage
Authors: Tian Jipeng , Li Zhenzhen , Yu Zhu , Zhang Qing , Li Xujiao 
Published: September 2016

AbstractThe interactive effect of inoculants and dried jujube powder (DJP) on the fermentation and nitrogen fraction (PA, PB1, PB2, PB3 and PC fractions) of alfalfa silage was investigated. Three of the Lactobacillus plantarum inoculants (LP1, LP2 or LP3) were used. The DJP was added at rates of 0, 3, 6, 9, 12 or 15% of the whole fresh forage. The combination of DJP and inoculants decreased the pH value and ammonia nitrogen content and increased the PC portion. As the DJP ratio increased, there was a peak in lactic acid : acetic acid ratio (12% of DJP ratio) and PB2 fraction (9% of DJP ratio) while the PA content decreased linearly. The LP1 and LP2 had the highest lactic acid content. Inoculants decreased the PB1 portion of true protein. The LP1 treated silage had the highest acetic acid content with the lowest lactic acid : acetic acid ratio and had lower PB3 and PC and higher PB2 than LP2 or LP3 treated silages. The result showed that the application of DJP or inoculants have positive effect on the fermentation, nutrition and N fraction value in the high moisture alfalfa silages, and the combination of DJP and inoculants preserves best.
Ingestive behavior of supplemented Nellore heifers grazing palisadegrass pastures managed with different sward heights
Authors: Vieira Bruno Ramalho , Azenha Mariana Vieira , Casagrande Daniel Rume , Costa Diogo Fleury Azevedo , Ruggieri Ana Cláudia , Berchielli Telma Teresinha , Reis Ricardo Andrade 
Published: September 2016

AbstractThree sward heights (15, 25 and 35 cm) and three supplement types (energy, energy‐protein, and a mineral mix supplement) were evaluated in a 3 × 3 factorial arrangement distributed in a completely randomized design to study changes in forage search patterns in Nellore heifers in a continuous grazing system. Pasture data were collected using two replicates (paddocks) per treatment over four periods during the rainy season. The behavior assessments were made in the first and fourth grazing seasons. It was hypothesized that supplements and pasture management would modify ingestive behavior, considering that animals would require less time grazing if they had energy requirements met through higher digestibility of better managed paddocks, or use of supplements high in energy. Total and green forage masses along with green : dead material ratio were greater in treatments managed with higher sward heights. Sward managed with 35 cm height resulted in lower leaf : stem ratio compared with 15 cm sward height treatments. The animals on the 15 cm pastures spent more time grazing overall and during each meal, but there were no differences observed in meal numbers in comparison to 35 cm treatments. Heifers fed protein and/or energy supplements spent less time grazing in the early afternoon, but overall grazing time was the same for all animals.
Comparison of Pharmacokinetics and Tissue Distribution Kinetics of Roxithromycin and Expression of CYP 3A1 between Pregnant Mice and Foetuses
Authors: Qin Yi , Xu Weizhe , Mo Lanjian , Li Xiaorong , Ge Beikang , Xiong Jie , Gao Lifang , Xu Pinxiang , Xue Ming 
Published: September 2016

AbstractThe roxithromycin, macrolide antibiotics, is recommended for treating mycoplasma infection and has the potential to be administered to pregnant women who are susceptible to the infection. This study compared the pharmacokinetic properties and tissue distribution of roxithromycin among pregnant mice and their foetuses. We also determined the level of CYP3A1, a major enzyme for roxithromycin metabolism, in liver microsomes and investigated the placental transport properties of roxithromycin. Biosamples were collected from female mice at gestational day 17 after a single intragastric administration of roxithromycin. A sensitive and specific liquid chromatography–tandem mass spectroscopy method was developed to detect the drug concentration and to obtain kinetic data. The level of CYP3A1 was significantly lower in foetal liver compared with that in maternal liver according to Western blot data, suggesting a decreased metabolism and prolonged half‐life of roxithromycin in the foetus. The tissue distributions of roxithromycin were similar between mother and foetus, indicating that the placental barrier did not block the transport of roxithromycin from mother to foetus. The current findings are consistent with the clinical efficacy of roxithromycin in both pregnant mothers and foetuses. Based on this study, it is feasible and reasonable to predict the transport properties of other lipophilic drugs during pregnancy.
Body Dysmorphic Disorder: Contraindication or Ethical Justification for Female Genital Cosmetic Surgery in Adolescents
Authors: Spriggs Merle , Gillam Lynn 
Published: September 2016

AbstractIs Female Genital Cosmetic Surgery for an adolescent with Body Dysmorphic Disorder ever ethically justified? Cosmetic genital surgery (specifically labioplasty) for adolescent girls is one of the most ethically controversial forms of cosmetic surgery and Body Dysmorphic Disorder is typically seen as a contraindication for cosmetic surgery. Two key ethical concerns are (1) that Body Dysmorphic Disorder undermines whatever capacity for autonomy the adolescent has; and (2) even if there is valid parental consent, the presence of Body Dysmorphic Disorder means that cosmetic surgery will fail in its aims. In this article, we challenge, in an evidence‐based way, the standard view that Body Dysmorphic Disorder is a contraindication for genital cosmetic surgery in adolescents. Our argument gathers together and unifies a substantial amount of disparate research in the context of an ethical argument. We focus on empirical questions about benefit and harm, because these are ethically significant. Answers to these questions affect the answer to the ethical question. We question the claim that there would be no benefit from surgery in this situation, and we consider possible harms that might be done if treatment is refused. For an adolescent with Body Dysmorphic Disorder, the most important thing may be to avoid harm. We find ourselves arguing for the ethical justifiability of cosmetic labioplasty for an adolescent with Body Dysmorphic Disorder, even though we recognize that it is a counter intuitive position. We explain how we reached our conclusion.