bluuebunny/crossref_metadata_2025_split huggingface dataset:
Digital Lending and Technical Efficiency of Commercial Banks in Kenya
Authors: Getugi Joyce Chepkoech , Osoro Cliff , Kihara Allan 
Published: June 2023

Purpose: The financial sector is being revolutionized as a direct result of technological progress, with banks and other financial institutions embracing new technologies to better serve their customers online. Technological developments in the financial sector are simplifying access to financial services. The study set out to dissect the effects of Fintech on Kenya's commercial banking sector. The general objective was to establish the effect of digital lending on technical efficiency of commercial banks in Kenya. The study was anchored on Theory of Financial Intermediation.
Methodology: The entire study relied on collecting empirical data and evaluating hypothesis in a positivist way. A causal-comparative research design was used in this research. The study targeted population of Seventeen Kenyan commercial banks from the first and second tiers. The analysis relied on secondary sources of information. The gathered quantitative data was analyzed using both descriptive and inferential statistics. Numbers, medians, and standard deviations were used to characterize the data, and frequency distributions were used to determine the sample size. Models for analyzing correlations and regressions are inferential statistics. STATA was used for the data analysis.
Findings: The study established that digital lending has a positive and significant effect on technical efficiency of commercial banks in Kenya.
Unique contributions to theory, practice and policy: The results suggests that conventional banks might benefit from forming partnerships with FinTech firms that specialize in digital lending.
A STUDY ON EFFECTIVENESS OF EMPLOYEE WELFARE MEASURES AT VALUE INGREDIENTS PVT LTD
Authors: R JAYASHREE et al.  
Published: June 2023

Laws mandate the employer to provide certain perks to employees in addition to earnings or salary; these benefits might be statutory or non-statutory. By easing the financial strain on workers, it enhances their standard of living. For the worker's basic needs, the workplace should offer reasonable amenities.
An effort has been made in the current study to examine employee welfare facilities and their effects on workers' productivity in manufacturing organisations. By giving them a questionnaire, a sample of 50 employees from primary research were used to examine the welfare facilities. It is possible to draw the conclusion that while the company's employee wellness facilities are satisfactory, there is still room for development. in order to improve productivity, effectiveness, and efficiency in order to achieve organizational goals.
A STUDY ON CLIENT’S EXPERIENCE OVER WEB PROTOTYPING FOR A PORTAL WITH REFERENCE TO ITC PRIVATE LIMITED
Authors: S. PURUSHOTHAMAN et al.  
Published: June 2023

This project is “A STUDY ON CLIENT EXPERIENCE OVER WEB PROTOTYPE FOR A PORTAL WITH REFERENCE TO ITC PRIVATE LIMITED” The journey of developing a new product involves various steps. While it's tempting to dive head-first into the project, you'll do well to remember the adage – ''by failing to prepare, you prepare to fail''. Planning and testing your ideas before implementing them is the best way to ensure your brand can release the right products. That is what prototyping does – implement ideas into tangible form and explore their real-world impact before finally executing them.
Let's get a closer understanding of what, how, and why of prototyping.
A portal is a web-based platform that allows users to access information, applications, and services in one centralized location. Portals are commonly used in the e-commerce industry to manage inventory, track shipments, and monitor sales.
Implementing the wire-frame approach requires careful planning and coordination between businesses and their vendors. It is essential to communicate with vendors to gather accurate information about their warehouse capacity and delivery schedules.
Once this information has been collected, businesses can use the wire-frame approach to identify areas where they can improve their storage and distribution processes to maximize space utilization.
A STUDY ON THE VARIOUS CHANNELS OF INTERNAL COMMUNICATION AND ITS IMPACT ON EMPLOYEE ENGAGEMENT
Authors: SAIKUMARI.V et al.  
Published: June 2023

Internal conversation increases organisational trust, which is normally related to profitability. Internal communications exhibit control's involvement in staff communique. As a end result, control ought to devise a approach for business enterprise-extensive conversation.
This studies is important due to the fact internal verbal exchange boundaries and threats in an business enterprise reduce worker engagement and efficiency.
Business leaders may be not able to talk successfully with their workforce, which can have a terrible effect on an employer's capability to establish and maintain a aggressive benefit. The channels of conversation utilized by organizational management might have a extraordinary impact depending on the situation, state of affairs, and channel used, the record's hints will surely pass a long manner to help public members of the family specialists recognise when and the way to get the most out of the company's personnel and thereby increase the organisation's overall performance typical.
MOROCCO'S COLLECTIVE PROTECTION STRATEGY AND THE HEALTH SECURITY CHALLENGE IN THE CONTEXT OF CONTEMPORARY HUMANITARIAN DEVELOPMENTS
Authors: MOHAMED BOUNAANAA et al.  
Published: June 2023

Lorem The study sought to introduce the concept of social protection and health security, and the interdependence between the two concepts, in addition to their impact on achieving development, by studying a modern model of strategies concerned with social protection, and it is related to Morocco. The study assumed that there is a close correlation between social protection and the achievement of health security, and therefore the framework law on social protection in Morocco seeks to achieve the dimensions of health security as developed by international organizations concerned with health. The study was based on the method of description, analysis, and induction, to build the concept and research its manifestations in the two strategies and download them in reality. The study concluded with a number of results, the most important of which are: Framework Law 19.21 is the culmination of Morocco's experience in promoting the constitutional right to social protection.
Where work will be done gradually to spread this right to include all citizens of the country in order to achieve social justice and health security, a bet that the state has taken upon itself to continue to win, through public budgets by allocating a large part of the budget to serve social protection workshops.
DIMENSIONS OF KNOWLEDGE MANAGEMENT FOR HORTICULTURAL PRODUCERS IN COLOMBIA
Authors: SERRANO AMADO ANA M. et al.  
Published: June 2023

The production of vegetables in Colombia is of peasant economy in which it satisfies the domestic market being 75% of small production with about 3.0 hectares. In Boyacá, by 2020 vegetable production was 453,169 (ton) occupying 172.00 (ha), with a yield of 24.39 (ton / ha) (Sectoral figures, 2022), however, problems have been established in terms of the generation of new knowledge in topics related to innovation, technologies, business management and technological development, generating with this the increase of intermediaries to be able to access the national market, The associations taken for this study have presented drawbacks in business development, this research will be developed with a methodology of qualitative approach; where a non-experimental descriptive exploratory research design of cross-sectional cut will be implemented in focus groups, in which a Participatory Rural Innovation Model (IRP) will be applied, the information collection strategies will be deployed through the focus group, interviews and survey, as expected results the analysis of the dimensions is carried out in three topics such as marketing strategies, Innovation in products and packaging, business management with the purpose of identifying the weaknesses presented by the associations and intervening them in future research.
B RUNNER ATTRIBUTION SCALE AMONG MIDDLE SCHOOL STUDENTS
Authors: MUHAMMAD GHALIB JAAFAR AL-KHAFAJI et al.  
Published: June 2023

This work aims to build a scale of runner support among middle school students and the researchers, and the researchers promised the scale according to the theory of Weiner (1979). It consists of (33) items, three areas, and four alternatives, and the statistical characteristics of the scale were extracted and it was found that all items with distinction and correlation are statistically significant. Also, we obtained the psychometric characteristics of the scale such as virtual honesty and honesty of construction, and the data was analyzed by the program (spss) and a number of statistical means and the researchers reached to achieve the goal of the research by building a scale of runner attribution at the preparatory stage. Based on the results, the study came out with some recommendations and suggestions.
ISLAM AND FOUR PRINCIPLES OF BIOMEDICAL ETHICS: FROM THEORY TO PRACTICE
Authors: SOHAIL RASOOL et al.  
Published: June 2023

Unfortunately, many clinicians still lack a sufficient understanding of the concepts behind the ethical structure of Islam implemented in everyday clinical circumstances, allowing them to provide care insensitive to the religion's culture. Several aspects of Islamic Biomedical ethics have been discussed. This study explores Islamic Bioethics and its tenets. The importance of appreciating and respecting Islamic Bioethics becomes clear. The nature of Islamic bioethics is also illuminated. Also, the theory of the Islamic bioethical framework for protecting human life, including how it is shaped by the Quran, the Sunnah, ijtihad, and the field as a whole, has been discussed. Islam proposes four bioethical principles: beneficence, nonmaleficence, autonomy, and justice, which are also part of the study. Finally, the relevance of an Islamic approach to bioethical issues is discussed. The Islamic faith places a premium on both preventative healthcare and the therapeutic management of illness. Treatment, genetic engineering, and abortion regulations are a few of the major life issues covered. Concerning the final stages of life, topics like suicide will be considered. Last but not least, is the Islamic perspective on exhumation and organ transplants. Keeping in mind the value of life in Islam, it is obligatory for the patient to seek proper and timely treatment. Also, it is healthcare providers' religious and ethical obligation to be very honest with their duties.
SOCIOLOGY OF CHANGE UNDER DIFFERENT THEORETICAL IDEOLOGIES
Authors: KHEIRI NOUH et al.  
Published: June 2023

This study aimed to analyze the phenomenon of change theoretically, by evoking the concept within its epistemological contexts, from the perspective of researchers and academics, who devoted their studies to develop a clear conception of the concept of change.
There have been many perspectives that have studied the subject with the efforts of scholars and researchers affiliated with different theoretical ideologies. We find functional interpretations of change as a vital process, and Marxism as a picture of contradictions, while other theories emphasize the role played by the conflicting elites over social power, or cultural and technological factors, especially the factor Invention in the process of change.
SHIFTING SANDS: PAKISTAN'S STRATEGIC CULTURE AMIDST REGIONAL AND GLOBAL FLUX
Authors: MUHAMMAD FAHIM KHAN et al.  
Published: June 2023

The paper examines the historical development and current dynamics of Pakistan's strategic culture. This study explores the key influences, events, and trends that have shaped Pakistan's strategic culture through a combination of historical research, case studies, and content analysis.Partition of British India, early state creation, military involvement, and ties with regional and international powers are all examples. How Pakistan maintains a balance of power in the area, maintains credible deterrent capabilities, pursues diplomacy, and deals with domestic difficulties are all aspects of national security and foreign policy examined in this paper.
The end of the Cold War, the War on Terror, and the shifting geopolitical landscape are just a few examples of the global and regional environmental changes that have influenced Pakistan's strategic culture. Understanding the development of Pakistan's strategic culture and the country's regional and global dynamics is essential for foreseeing Pakistan's behaviour and policy choices in the future. Pakistan's strategic decision-making is complex and multifaceted, and this research contributes to our understanding of strategic culture and provides light on those complexities.
TELEMEDICINE ABORTION DURING COVID – 19 AND THE CHALLENGES IN ITS APPLICABILITY IN MALAYSIA
Authors: ALYAA NADHIRAH BINTI DATO HJ MOHAMAD SHARIFF et al.  
Published: June 2023

This article investigates the loopholes in Malaysia’s abortion law that make it challenging for Malaysia to implement the use of telemedicine for abortion during Covid – 19. The purpose of this paper could contribute to a reform in abortion law to ensure the legitimacy of abortion via telemedicine in an emergency situation like COVID – 19 pandemic. This article started out by analyzing Utilitarian theory and the Principle of Reproductive Autonomy. Both the theories and the principle of law arguably reflect that abortion is legitimate including during COVID–19. Following that, this article discusses the advantages of abortion via telemedicine as a whole. Further to this, the article will discuss the local literature on abortion to reflect that the law on abortion in Malaysia is ambiguous and outdated which makes it challenging to implement a new method of abortion via telemedicine. The last part is the comparative study and the author collates the challenges to enabling abortion via telemedicine in Malaysia. It is argued that, while telemedicine is a legitimate method for abortion to be used during the COVID-19 pandemic, it is difficult to implement the applicability in Malaysia due to the undeveloped and ambiguous law on abortion at the current stake. The author concluded that the current abortion law should be reformed and that much more work needs to be done before abortion via telemedicine can be reached its applicability. This article is significant because it paves the way for further research on telemedicine abortion from a Malaysian perspective.
THE BENEFITS AND CHALLENGES OF SAME-RELIGIOUS AND INTERFAITH MARRIAGES
Authors: RUDY HARJANTO et al.  
Published: June 2023

Indonesia is a country with a diverse ethnic makeup, and marriage is considered to be a fundamental aspect of family life and is regulated by Law Number 1 of 1974. A Christian man has been in a loving relationship with a Muslim woman for over nine years. Both parties have agreed to continue their relationship to get married but remain committed to their respective religions eventually.
Law is a complex system of principles and rules that guides us in living together as humans, with fairness being a key focus. The qualitative research involving long-term couples from different religious backgrounds who have maintained harmonious relationships, along with input from legal professionals, can provide valuable insights.
According to Article 2, Paragraph 1 of Law Number 1 of 1974 Concerning Marriage, marriage is only recognized as legal if carried out within the same religion.
THE IMPACT OF THE CHINA-PAKISTAN FREE TRADE AGREEMENT (FTA) ON THE ECONOMIC GROWTH OF PAKISTAN
Authors: AWAIS DASTGEER et al.  
Published: June 2023

This article examines the impact of the Free Trade Agreement (FTA) between China and Pakistan on the economic growth of Pakistan. The nature of this article is analytical, so archival data was retrieved from (UN COMTRADE Statistics).The Econometric Modeling is based on the Time Series data of Imports and Exports for the last 12 years, from 2008 to 2020, to assess the Impact of imports and Exports on Pakistan's economic growth. E-Views are used to analyze the data. Furthermore, the Short-term link between Pakistan's imports-exports and trade flows was evaluated using a Vector Autoregressive model (VAR) and a Cointegration test.The research concludes with policy suggestions based on a study of the China-Pakistan (FTA) and the overall impact of imports and exports on Pakistan's trade flows.
THE EDUCATIONAS A DETERMINANT FACTOR IN ECONOMIC GROWTH. THE ECUADORIAN CASE (1960-2019)
Authors: DIAZ-KOVALENKO et al.  
Published: June 2023

This paper studies the factors driving the Ecuadorian economic growth through the analysis of the education relevance measured as human capital for the period 1960-2019. By providing a characterization of the business cycle in Ecuador we were able to describe the economic growth trend, cyclical component and also the expansions and recessions periods. To this end, we also analyzed the labor share in the economy to observe the evolution of human capital importance in the income distribution.

Secondly, a multiple regression model was designed to quantify the correlation between the economic growth rate and the evolution of human capital. The main findingsare that human capital and commodity prices have been relevant in explaining the economic growth, i.e., are the main source of increase in the GDP. To complement the analysis ant to stablish the importance of public policies for the betterment of education, a theoretical framework was designed to identify how the government spending and investment in education contribute for the human capital to increase over time.The results show that both government spending and investment are strongly correlated to increases in human capital index.

Finally, we performed a statistical growth accounting exercise to quantify the relative importance of the different factors explaining output growth: inputs accumulation (extensive growth) and technological progress (intensive growth). By decomposing the labor between increase in workers and improving of human capital human capital we can isolate the effects of education in economic growth.

Thus, for the period 1960-2019, for the Cobb-Douglas aggregate production function the average contribution of capital and labor were1.66%and 1.53% respectively points to the average annual output growth of 4.04%, whilehuman capital is accountable for 0.43%.It is also noticeable that TFP has been responsible for 0.40%, almost the same amount of the human capital. On the other hand, the augmented production function indicates that the isolated contribution of human capital was 0.25, while capital and labor were 1.14% and 1.26% respectively.The results obtained confirm the importance that the accumulation in physical capital and employment had played in explaining per capita output growth during the last decades, whereas the contribution of total factor productivity has been more modest. Human capital has also been a relevant factor in explaining the evolution of production, precisely because it is a developing economy that started from lower levels of human capital.
DOES CONSULTATION PLAY IMPORTANT ROLES IN ENTREPRENEURIAL TRAINING PROGRAM?: A CONCEPTUAL FRAMEWORK FOR EMERGING MARKETS
Authors: MUHAMAD ALI IMRAN KAMARUDIN et al.  
Published: June 2023

Purpose – This paper aims to shed the importance of consultation as the intervention towards realizing the effectiveness of the entrepreneurial training conducted. Consultation deemed as pivotal in supporting the training initiatives which involved reflective learning among the participants.
Theoretical Framework – Business performance acts as the dependent variable, entrepreneurial training as the independent variable while consultation plays a significant role of a mediator. The model of strutured entrepreneurial training for SMEs is conceptualized based on the Experiential Learning Theory (ELT) and the Absorptive Capacity Theory (ACT).
Methodology – Mixed-method design is proposed to be employed in carrying out this research. An explanatory sequential approach of quantitative followed by qualitative data collection are used to achieve the set objectives.
Findings – The expected findings that could shed the light on the importance of consultation in the likelihood of the training effectiveness, thus lead towards favourable performance of the business among SMEs.
Research Implication – From the policymaker perspective, this research paper sheds new light for the Ministry of Entrepreneurship and Cooperative (MEDAC) to design a handful and effective entrepreneurial training and development program among SMEs. This helps to spearhead the national agenda on supporting the SMEs development overall.
Originality/Value – Theoretically, this research could contribute to the current entrepreneurship literature specifically on the entrepreneurial training over the significance of consultation as the mechanism towards effectiveness in training. Also, this research practically implicates the current government agencies’ practices which to incorporate consultation as a pivotal part in the planning and implementaion of the training conducted.
MANAGEMENT EVALUATION METHOD FOR PLANS, PROGRAMS AND PROJECTS OF MUNICIPAL DECENTRALIZED AUTONOMOUS GOVERNMENTS (GADM) OF ECUADOR
Authors: MARIELA DE LOS ÁNGELES HIDALGO MAYORGA et al.  
Published: June 2023

The Territorial Development and Ordering Plan (PDOT) is the responsibility of the Decentralized Autonomous Governments GADs at their different levels of government so that the State can order the territory and transfer resources, this being the main budgetary source; on the other hand, it is the financing of the GADs through their own resources (property taxes, rates, and special contributions for improvements, among others), frequently destined for current spending and specific requests from sectors; frequently investments that do not respond to the planning or real needs identified in the diagnoses and participatory processes of the territory. The present investigation is part of the regulations and technique that is mandatory for the Municipal GADs, applied to an evaluation through a case study (PDOT 2020 - 2030 of the GADM of Riobamba) in terms of management procedures and prioritization in which consider some parameters that show the progress of these planning tools. The law of scarcity is also applied, which arises from the insufficiency of various resources that are considered essential for the human being, which allows prioritizing investment based on planning and available budget. The evaluation carried out strengthens and improves the actions of public institutions, helping in parallel to respond to the real demands of their territories.