Spiru Haret University: Open Journal Systems
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CONSUMERS’ PERCEPTION of THE COST of CREDIT DEFAULT in THE VEHICLE FINANCE INDUSTRY in SOUTH AFRICA
Full text linkThe risk that a borrower may not fulfill his/her borrowing obligation presents the credit owner (lender) a default risk management opportunity to maximize the risk-adjusted rate of return and to maintain minimum exposure to default associated cost. This paper investigated respondents’ perception of the cost of credit default and examines requirements for default risk management (DRM) in the vehicle finance industry in South Africa. It is noted that with an increased level of consumer indebtedness, unstable economy, high unemployment, opportunistic risks like health pandemics, vehicle financing faces a higher probability of default from borrowers. This descriptive investigation utilized a quantitative approach using a survey method to collect data from 381 purposive randomly selected respondents who are vehicle finance customers in South Africa, Cape Town specifically. Data collection took place in the Western Cape over a nine-month period, utilizing personal interviews, and emails to administer questionnaires to vehicle finances’ customers as data collection instruments. Responses received were codified and quantitative data were analysed using the Statistical Packages for Social Sciences (SPSS version 25) The paper found mixed and variable respondents’ perceptions of the cost of credit default. In conclusion, it is perceived that South Africa's debt would become more costly with credit default. It can be recommended that a default risk management intervention be applied to manage credit default risk within the context of the unified credit assessment policy in South Africa
PLANTAIN THEORY AND THE ATTAINMENT OF SDGs 2030 BY AFRICAN STATES: AN EXPOSITION
Full text linkAgenda 2030 is the Sustainable Development Goals with 17 indicators. Like its predecessors, Millennium Development Goals (MDGs),with only eight goals yet African states could not achieve half of the eight goals then and may not get close to a quarter of the SDGs because of the pathologies of development which are legendary in Africa. This study evaluated the feasibility of using the Plantain tree crop, in which many African countries have global comparative advantage as a means to attaining seven or 41.17 per cent of the 17 goals, against one-fit-all approach often applied to such development agenda. The method of study was descriptive which through its procedure revealed, that these countries were not putting this crop and its properties to optimum usage. This approach was complemented by observations and triangulation by library researches on the various usages of plantain tree. The technique included informal interviews of traditional medicine practitioners on the ailments cured through the use of plantain properties. The tactic of the study further revealed that the life-span of plantain is about 20 years, hence it can feed the present and future generation, it withstands every climatic condition, and the fruit could be eaten ripe, unripe, as chips, as plantain four and paste use in pharmaceutical industries for drugs making. Every part of the plantain tree is use by alternative medicine practitioners. It resolved that the countries that have global comparative advantage with plantain, could harness all the economic and medicinal advantages to achieve the SDGs by 2030 without having to borrow, being already heavily indebted nations. Political will and leadership and investments are some of the requirements needed to achieve the goals pursue herein. This affirmed the efficacy of Plantain theory as mechanism to achieving some per cent of the SDGs by some African States.
THE EFFECT of PROMOTION on IMPULSIVE BUYING with LIFESTYLE as a MODERATION VARIABLE on FASHION PRODUCTS in ONLINE SHOP SHOPEE
Full text linkThe purpose of this study was to explain the effect of promotion on impulsive buyers and to explain that people with high lifestyles often make impulse purchases. Sampling using incidental sampling technique, the number of respondents as many as 100 respondents. The data collection method used is the observation method and the questionnaire method. Analysis of the data used is multiple linear regression analysis with moderating variables using the SPSS program. The results of the study prove that promotion has a direct effect on impulse buying and it is not proven that people with a high life style are more likely to make impulsive purchases
CHILD POVERTY IN SUMATRA IN 2017 AND 2019: THE MULTIDIMENSIONAL OVERLAPPING DEPRIVATION ANALYSIS (MODA) APPROACH
Full text linkIntroduction. Poverty is more multidimensional, but monetary-based method measures are merely one-dimensional. The multidimensional approach is more reliable for describing and analyzing children poverty. This study only focused on ten provinces in Sumatra out of 34 provinces in Indonesia. There are five major dimensions of indicators which are housing, facilities, food and nutrition, education, child protection and health.Purposes. This study used Multidimensional Overlapping Deprivation Analysis (MODA) Approach on Alkire-Foster Method as a measuring tool for analyzing children poverty in Sumatra in 2017 and 2019.Results The number of 0-4 year-old-deprived children is decreasing for most dimensions in 2019, compared to 2017, except child protection dimension and the number of 5-17 years-old-deprived children is decreasing for most dimensions, except health dimension. 2) The condition of Child Multidimensional Poverty Index (MPI) becomes better in 2019. 3) Education is the most contributed dimension to child multi-dimensional poverty in Sumatra for 2017, while health dimension for 2019. 4) North Sumatra is the first highest score of Child MPI, headcount ratio, and intensity of poverty. 5) Bengkulu and Lampung are the provinces in 2017 and 2019 experiencing both monetary poverty and child multidimensional poverty above the Indonesia’s poverty rate and Child MPI in Sumatra
QUALITY DETERMINANT OF ACCOUNTING INFORMATION FOR PRIVATE UNIVERSITIES
Full text linkAbstract. The aim of this study is to determine the impact on the quality of accounting information of organizational culture, organizational commitment, internal control, the quality of accounting information systems, and leadership style. This study used primary data and a purposive sampling method to analyze a sample of 202 individuals who are involved in college finance. The research method used is a quantitative analysis with the use of multiple regression methods. The results are: (1) Organizational culture, internal control, and the quality of accounting information systems all have a positive and significant impact on the quality of accounting information; (2) organizational commitment and leadership style both have a positive but insignificant impact on the quality of accounting information systems.Keywords: Organizational culture, organizational commitment, internal control, Accounting Information Systems, leadership style, Accounting Information
Role of Bangabandhu in expanding higher education and Bangladesh today
Full text linkThe study attempts to evaluate the role of Bangabandu Sheikh Mujibur Rahman, the Founding Father of Bangladesh, in his initial plan on higher education and to produce adequate human resources to rebuild the country since independence. Secondary sources of information are used to evaluate his role in higher education expansion in Bangladesh. It has been revealed that the economic growth and development seen in Bangladesh today was largely impacted by his education plan
MEDIATING EFFECT OF ORGANIZATION LEARNING ON THE RELATIONSHIP BETWEEN STRATEGIC CHANGE, KNOWLEDGE MANAGEMENT AND TRANSFORMATIONAL LEADERSHIP: Case of Indonesian Islamic Banks
Full text linkAbstractPurpose - This study aims to know influence the mediation of organization learning on strategic change, knowledge management and transformational leadership and performance of Indonesian Islamic BanksDesign / methodology / approach - This study uses quantitative research with a purposive sampling technique with a population of 14 Indonesian islamic banks. The targeted unit of analysis is the Islamic banks manager. There were 239 questionnaires returned and 11 of them did not meet the requirements, so only 228 were used in this study. This study uses SmartPLS 3 to test the hypothesis.Findings - This research shows that strategic change, knowledge management and transformational leadership affect organization learning. This study also shows that strategic change, transformational leadership knowledge management and organization learning have an effect on firm performance. Apart from that, the mediating role of the learning organizations also provides consistent results.Research limitation / implications - Islamic banks managers must be able to identify the importance of change for the company, because of the big risks. Supporting knowledge and leadership skills in companies makes Islamic banking better competitive. These three variables become better if the company uses a learning organization because the company will change more quickly and achieve better performance with previous experience.Originality / value - Similar research is usually carried out in manufacturing and service companies and is carried out in developed countries (Europe, America and Africa). The focus of this research is the development of strategic change supported by knowledge management and transformational leadership on performance mediated by learning organizations. This research was also conducted for the first time in Asia with the object of Islamic banks in Jakarta - Indonesia.Keyword - Strategic change, Knowledge management, Transformational leadership, Organization learning, Firm performance, Islamic Banks, Jakarta - IndonesiaPaper Type - Research pape
Global COVID-19 Pandemic: Prevention and Protection Techniques
Full text linkThe COVID-19 is an infectious disease caused by severe acute respiratory syndrome coronavirus 2 (SARS-COV-2). It has been identified as the causative agent of the viral pneumonia outbreak in Wuhan, China, at the end of 2019. It has a high human to human transmission capability and primarily targets the human respiratory system. Healthcare providers to common people are in high risks of the contamination of this fatal disease. It spreads person to person through respiratory droplets that produced during talking, coughing and sneezing. It is associated with severe and fatal respiratory disease in humans. At present it becomes great global public health concern. On 11 March 2020, the WHO declared the global COVID-19 outbreak as a pandemic. The COVID-19 pandemic has entered in a very dangerous phase in April and May 2020, and the severity is increasing day by day. On 26 July 2020, about 216 countries and territories are infected worldwide; total global infections become more than 16.3 million and total recovered about 9.9 million with total deaths 648,477. The disease have not abolished even in the 2021. On 09 February 2021, the disease spread up to 223 countries and territories globally; total confirmed deaths become 2,337,368, total confirmed cases 107,037,441, with total recovery 78,913,746. The paper discusses the social, economic, and health impacts in the world’s poorest countries due to COVID-19 pandemic outbreak. The study also presents the current economic situation of the world and analyses the potential consequences on global economy. An attempt has been taken here to create consciousness among the common people to reduce the fatality of this killer disease. From the beginning of 2021, COVID-19 vaccines are distributed worldwide and all nations are united to abolish the virus completely.
SUSTAINING PSYCHOLOGICAL WELLBEING AMONGST MARRIED CAREER WOMEN: PSYCHOLOGICAL DISTRESS, SOCIAL SUPPORT, DOMESTIC VIOLENCE, AND FAMILY CONFLICT RESOLUTION AS INFLUENCERS
Full text linkThe current paper aims to examine the influencing factors in sustaining psychological wellbeing amongst married career women in Ibadan, Nigeria. Hence, this paper plans to propose ways of increasing and sustaining psychological wellbeing amongst married career women in Ibadan, Nigeria. The paper espoused a quantitative research approach based on a survey research design. The results showed that psychological distress, social support, domestic violence, and family conflict resolution significantly jointly and independently influence the sustenance of psychological wellbeing amongst married career women in Ibadan, Nigeria. The results show that family conflict resolution is a noteworthy moderator of the negative influence of psychological distress and domestic violence in sustaining psychological wellbeing amongst married career women in Ibadan, Nigeria. Besides, the outcomes indicate that religion significantly influences psychological wellbeing amongst married career women in Ibadan, Nigeria. Therefore, developmental psychologists, organizational managers, human resources practitioners, counselors, and religious organizations should encourage ways of reducing psychological distress, by increasing social support, reducing domestic violence, and achieving consistent conflict resolution within families, as a way to sustain psychological wellbeing amongst married career women in Nigeria. Thus, this paper has recognized psychological distress, social support, domestic violence, family conflict resolution, and demographic factors (for instance, religion) as significant influencers in sustaining psychological wellbeing amongst married career women in Ibadan, Nigeria
EVALUATION OF THE ACTIVE LABOR MARKET POLICIES IN THE REPUBLIC OF SRPSKA
Full text linkThis paper discusses the methods of evaluating active labor market policy. In addition, an important aspect of the analysis, conducted in this paper, concerns the assessment of the relative success of these measures in the case of the Republic of Srpska. The statistical analysis evaluated the success of three choosen projects implemented in the Republic of Srpska. A major problem in evaluating the effectiveness of individual measures is inadequate IT support. The unemployed persons are not monitored for all the characteristics that play a significant role in determining the target groups for particular measures. The measures are primarily intended for young people and categories related to the recent war conflicts in the former Yugoslavia. The relative assessment of the success of individual measures has confirmed that these measures are not greatly influenced by raising general employment, but these programs, at least to some extent, alleviate the problem of unemployment and improve the position of the hard-to-employ categories of the unemployed persons