Clute Institute: Journals
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Trust And Commitment As Mediators Of The Relationship Between Quality Advice And Customer Loyalty
Insurance agents globally struggle with clients who do not understand the importance of disciplined savings and of meeting with them at least once a year to make necessary adjustments to their financial plans. The purpose of the study was to provide assistance to these agents and explore trust and commitment as mediators of the relationship between quality advice and customer loyalty. The context of the study was clients of independent insurance agents (N=242), and self-administered surveys were used to test the research hypotheses formulated. It appears imperative for insurance agents providing clients with quality advice to focus strongly on building trust and commitment. These mediating variables contribute to a 27% change in the adjusted R² value, and resulted in a much higher R² value of 0.77 in the final model. The findings of the study could also assist larger organisations focusing on consultative selling practices and help them create solid client relationships with the potential to deliver great profit.
Democratization Enabled By Participatory Premises In The Qualitative Study Of Companies Recovered By Their Workers (CRW)
Incidents of companies being recovered by their workers that have occurred in different countries have attracted media attention. Based on ideological tendencies, some experts have interpreted these processes as an indicator for their fulfilment of their own predictions.In contrast to these interpretations, this article focuses on the effectiveness of the use of the main premises of Participatory Action Research (PAR). The focus is on understanding the point of view of the involved protagonists. Qualitative evidence is presented (Dz Ru, 2014) demonstrating the existence of disaffected feelings towards experts caused by their inverviewing approaches. This disaffection is explained as a consequence of pre-built ideas connected to the experts' ideological tendencies
Theoretical Framework Of The Factors Affecting University Academics Job Satisfaction
This paper aims to present a theoretical framework of the factors affecting university academics job satisfaction, which is achieved by identifying the contributing factors. The main objective of the research was concluded in designing a theoretical framework based on the existing literature. The novelty of this paper is the use of a significant body of literature focused on the existing literature about the factors affecting university academics job satisfaction, which was used to achieve the aim in designing the framework. The findings could assist in creating an awareness of the factors incorporated at tertiary institutions that contribute to university academics job satisfaction
A Determinant Of Healthy Ageing Women Education In Saudi Arabia
An increase in the number of elderly people has major implications for society, affecting such areas as health and social services and public spending. The economic effects of an ageing population are considerable. Older people have more savings than younger people, but spend less on consumer goods. The rise in ageing populations will also increase some categories of expenditure, like health care, whose cost is likely to increase dramatically as the population ages. Saudi Arabians, while relatively enthusiastic about saving in general, see retirement as a less important incentive to save and have reduced retirement savings as a result of the current economic downturn. At the same time, life expectancy will be higher and birth rate will decline because of the increase of education levels. People's concepts of birth and health care will be improved under the function of education. Education is the single most important indicator of the socioeconomic status of an individual, which affects almost all aspects of human life, including demographic health behavior. Change of the increase of population ageing that is caused by the change of the relative number of independent variables, such as education, is more of a concern
Crowdfunding: The Current State Of Research
Crowdfunding represents an alternative way of funding compared to traditional borrowing. As a principle, crowdfunding is open to everyone - private persons as well as economic actors. A group of people, the crowd, financially contributes small amounts to projects, products or ideas. These projects, products or ideas are owned by fundraisers (e.g. entrepreneurs or private persons), seeking for money in order to get their project realized. Fundraisers search for investors directly or via a specific digital platform, referred to as intermediaries. Crowdfunding represents a recent web 2.0 based phenomenon gaining more and more scientific attention. Therefore, this article seeks to give an overview on the current state of scientific knowledge on the topic, summarizing core definitions as well as characteristics
Liquidity And Bank Performance
This article is based on empirical research on the relationship between liquidity and bank performance for South African banks for the period between 1998 and 2014. The study employed the Autoregressive Distributed Lag (ARDL)-bound testing approach and the Ordinary Least Squares (OLS) to examine the nexus between net interest margin and liquidity. Liquidity in this article is viewed in the context of the market liquidity risk and funding liquidity risk. The study observes that there is a negative significant deterministic relationship between net interest margin and funding liquidity risk. However, there is an insignificant co-integrating relationship between net interest margin and the two measures of liquidity. Based on this research it is recommended that further research should be conducted to investigate liquidity in the context of asset- liability mismatches. Financial institutions also should realise that liquidity is a short-run phenomenon that has to be analysed as such
Impact Of Inter-Professional Education On Nursing Student Outcomes In The Online Environment
The implementation and integration of inter-professional education (IPE) into a curriculum is supported by the National Council of State Boards of Nursing (NCSBN), the Inter-professional Education Collaborative (IPEC), and the Institute of Medicine’s (IOM) Future of Nursing report. While there is support for implementation, there is a lack of data and guidelines which to follow currently. The purpose of this nursing research study was to investigate the impact of inter-professional collaboration on nursing student outcomes in the online environment. A co-teaching model was implemented within an online environment to provide inter-professionally lead nursing sciences courses to nursing students in a baccalaureate program. In the four sessions following the implementation of interdisciplinary collaborative teaching, 605 students completed the courses with 179 submitting the end of course survey. Results indicated that the overall student satisfaction rating with the pathophysiology online course was significant at p < 0.05 following the implementation of inter-professional teaching methodology. Prior to implementation of collaborative teaching, the total enrollment in pathophysiology was 194. After the institution of collaborative teaching, the total student enrollment was 605. This reflected a significant increase in student enrollment of 311%. Today, the complex healthcare delivery system necessitates a shift from traditional education to an inter-professional collaborative teaching model that generates knowledge from interaction with a variety of educators from a variety of disciplines (Hean, Craddock, & Hammick, 2012). Nursing curricula is needed which fosters both an inter-professional learning of shared knowledge and the discipline-specific learning essential for professional practice.
Alternative Pathways To Engineering Success –Using Academic And Social Integration To Understand Two-Year Engineering Student Success
The need for educating engineers in the United States continues as the projected demand is still rising as the number of high school seniors planning to enter engineering careers has remained relatively stable (Sargent, 2014). Additionally, figures show that attrition rates in undergraduate engineering continue to be an area of concern, (Sargent, 2014; Gibbons, 2005; NSF, 2004). Given the projected increased demand for engineers, the engineering education community must explore a variety of pathways for engineering students to be successful. Organizations such as National Science Foundation (Laanan, Jackson, Darrow, 2010) have noted that beginning engineering study at a two-year campus and then transferring to an engineering bachelor’s degree-granting institution is an important path and source for additional engineering students. Although some have explored the logistical issues and curricular design components of two-year campuses that enables engineering students to complete their bachelor degrees elsewhere, there is very little that explores the non-curricular factors on these campuses that help such students successfully progress (Laanan, et al., 2010). Using Tinto’s theory of integration (1975, 1993), this study examines the relationship between student entry characteristics and measures of social and academic integration to engineering learning outcomes. Understanding how integration factors on two-year campuses impact engineering student success can be used to inform the design of curricular and campus-based experiences that support the success of engineering students on two-year campuses. Results indicate the social and academic integration factors significantly predict engineering students’ learning outcomes, especially their commitment to engineering studies
Engaged in Research/Achieving Balance: A Case Example of Teaching Research to Masters of Social Work Students
This article considers the use of participatory action research and Photovoice as a tool for engaging graduate level social work students in research education. Photovoice is an investigative tool that assists people in critically reflecting on the everyday social and political realities of their lives, enriching their understanding of their communities and the issues pertinent to them, while at the same time, giving them a voice from which to educate others on these issues. In the context of a group assignment, 26 social work students, enrolled in an introductory graduate research course, were asked to reflect upon the question, “What does balance look like for you in the MSW program?” Thirty-two photographs with captions were submitted and analyzed by class members for relevant themes. Balance was described as existing along a continuum from balanced to unbalanced and was comprised of four major themes: connection, nurturance, keeping perspective, and disengagement. Although this teaching strategy was not formally assessed, preliminary impressions are that students benefited from participating in the Photovoice activity
Engaging Post-Secondary Students And Older Adults In An Intergenerational Digital Storytelling Course
A five day Digital Storytelling course was offered to Social Work students, integrating a three day workshop with older adult storytellers who shared storied related to the theme stories of home. A course evaluation was conducted exploring the Digital Storytelling experience and learning in an intergenerational setting. Findings from surveys distributed at the end of the course to students and storytellers revealed that students’ knowledge of and interest in Digital Storytelling and its application was enhanced. The intergenerational component was positive for students and older adults. Students identified the intergenerational component as a highlight of the course which improved their awareness of older adult issues and knowledge of working with aging populations. Older adult participants enjoyed working with the students which increased their understanding of younger generations. This innovative course enhanced students’ learning experiences, meriting consideration for the incorporation of intergenerational learning opportunities and Digital Storytelling into future social service and aging related courses to better prepare students for gerontological practice