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The Behavioural Intention to Adopt E-Banking Services Among Small and Medium Sized Enterprises in Mogadishu-Somalia
Get PDFThis thesis studies the variables that impact SMEs' use of e-banking services in Mogadishu, Somalia. The purpose of this study is to identify the primary drivers and challenges affecting the adoption of e-banking services by small and medium-sized enterprises (SMEs), and to provide suggestions for improving the adoption process. The research collects data on SME owners' and managers' attitudes and experiences with e-banking services using a survey and interviews. The results of the research reveal that effort expectance, performance expectance, social influence and facilitating conditions have a positive influence to the adoption of e-banking services among small and medium-sized enterprises (SMEs) in Mogadishu. On the basis of these findings, alluring, and informative actions should be undertaken to increase users' understanding of these benefits, and e-banking services should be created in such a way that customers encounter no issues while utilising them. It is advised that all SMEs in Mogadishu, Somalia, be given access to the infrastructure needed in this field, such as high-speed and reasonably priced internet, in order to maximise the beneficial and significant effects of facilitating conditions on adopting e-banking services. This research offers insights for governments and financial organisations attempting to encourage the use of e-banking services in Somalia and other comparable environments
Media framing: a comparative study of Polis Diraja Malaysia portrayal in Berita Harian online and the star online
Get PDFEach media has its own agenda in delivering news and information to the public. Although previous studies have focused a lot on the media agenda and its impact on the audience, there is still less research conducted on the media agenda on public agencies in Malaysia, especially those focused on the Polis Diraja Malaysia (PDRM). A study on the framing of news related to PDRM was carried out considering that PDRM is one of the public agencies responsible for ensuring security in the country. Thus, it is important to understand the media's agenda in reporting news related to PDRM to ensure the integrity of PDRM can be strengthened through the framing of news carried out by the media. In an effort to identify the media's agenda in delivering news about PDRM, this study compares the differences in media framing and the factors that influence media framing by two major newspapers, Berita Harian and The Star. Agenda Setting Theory and Framing Theory have been used to investigate the media agenda and media framing in delivering PDRM-related news. This study uses a qualitative method which is divided into two phases, the first phase is content analysis and also the second phase by implementing the interview method to obtain more detailed and in-depth research data. For the first phase, a content analysis was carried out on news about PDRM broadcast by Berita Harian and The Star for a period of six months. The data obtained was classified according to the date the news was published (to test the frequency), the theme displayed, and the segment used to publish the news. While for the second phase, a total of four media practitioners were identified and interviewed to obtain information related to the media agenda and the factors that influence the framing of PD RM-related news by the two media organizations. The results of the study show that Berita Harian and The Star have different media framing. The findings of the study also show that these two media have different positions in conveying information related to PDRM. This is proven in terms of the frequency of broadcasting, the selection of themes and PDRM-related news segments by Berita Harian and The Star. This study has shown that the media has the power to shape the agenda and highlight the desired issues to readers
through the framing of the news
SMEs capabilities & performance: The moderating role of environmental turbulence
Get PDFSmall medium enterprises (SMEs) act as an engine of economic growth, poverty reduction, and employment creation through new business ventures in any economy. The main objective of this study was to examine the relationship among entrepreneurial orientation, learning orientation, financial literacy, access to finance, entrepreneurial business networks, and SME performance in Pakistan. Furthermore, environmental turbulence was used as a moderating variable between the independent and dependent variables. To fulfill the objective of this study, data were collected from selected Textile SMEs operating in Pakistan. This study employed the simple random sampling technique. The unit of analysis in this was the firms, which were SMEs in Pakistan and the owner/manager of the SMEs were the participants. Five hundred (500) questionnaires were distributed to SMEs owner/manager, but only 379 were deemed usable and completed. The high response rate of 75 percent was achieved due to the survey instrument being personally distributed by the researchers. SPSS 25 software was used to synchronize the data and Smart PLS 2.0 was used to analyze the data. The findings revealed that firm capabilities (LO, FL, AF, and EBN) have a positive and significant effect on SMEs' performance except for EO. Moreover, environmental turbulence (ET) moderates the relationship between EO, LO, AF, EBN, and SMEs performance except for FL. This study concluded that firm capabilities (EO, LO, FL, AF, and EBN) are significantly important for small and medium-sized enterprises and contribute to their overall performance. This study contributes to the extant literature on how ET moderates firm capabilities and SME performance relationships. The research also contributes to RBV and Contingency theories and provides important guidance for managers, researchers, and policymakers in developing strategies. In this study, performance was measured subjectively, while future research could use objective measures of performance
Financial performance and efficiency of cooperatives in Malaysia
Get PDFCooperatives are organisations that are created jointly by participants to meet their economic needs and interests. The role of cooperatives in Malaysia cannot be denied since it consists in the Malaysian financial system. However, the performance of cooperatives in Malaysia in term of turnover is still low compared to the other countries. This will be a cause for concern because inadequacies of financial decision lead to failure of cooperatives. Therefore, the study aims to evaluate the financial performance and efficiency of cooperatives in Malaysia. The study utilized the data from Malaysian Cooperative Commission. A total of 15 cooperatives that listed in 100 best cooperatives in all consecutive years from 2010 to 2017 were assessed in this study. Five basic financial ratios utilized in this study in order to examine to what extent the financial performance of cooperatives in Malaysia. Data Envelopment Analysis (DEA) is used to evaluate the efficiency of the cooperatives. Tobit Analysis also utilized in this study to determine factors that influence efficiency of cooperatives. The results found that liquidity ratio is still low and cooperatives that score the highest liquidity ratio may be due to the age of establishment. In overall, the study found that Malaysian co-operatives had been performing better because of the scale of its operation instead of good managerial performance. The result also demonstrates that scale efficiency (SE) dominated pure technical efficiency (PTE), which means that the scale and size of co- operatives are significant in raising the level of scale efficiency. The management of co- operatives in Malaysia should enhance their managerial performance because the PTE was found to contribute less to overall technical efficiency (OTE)
Acceptance of Takaful among the millennials: A study based in Kedah
Get PDFThe emergence of Takaful in Malaysia has been started since 1984, when the legal frameworks for Takaful to be developed were written. According to the department of Statistic Malaysia, Kedah was ranked second last in the household income which make the adopting of Takaful maybe consider low. This also can be looked at the capability of millennials in Kedah whether they understand or not about Takaful due to the environment they stayed is most likely to rural area. Thus, this study aim to analyse the factors towards the acceptance of Millennials generation towards the Takaful Product. This study used the method of quantitative approach through the distribution of questionnaires. There are 200 respondents around Kedah that has been chosen to answer the questionnaires. Their answers were analysed using SPSS version 27. The results shows that attitude, subjective norms, perceive behavioural control, religious obligation and pricing of product is significant and have positive relationship towards the acceptance of Takaful among millennials in Kedah. This study has empirically contributed towards the understanding factors of acceptance of Takaful among millennials towards the Takaful. Therefore, this study is expected to contribute towards the academic institution as well as Takaful operator companies to understand and develop a better Takaful product in the future
The performances of Islamic unit trust industry: The case of principal assets management bhd
Get PDFUnit trust advisors face various challenges that impact their performance and these challenges can significantly hinder their abilities to meet targets and deliver optimal result. Therefore, understanding the unit trust industry's performance is vital for unit trust companies to provide the necessary supports and resources to their advisors. The study aims to analyze impacts of role perception, knowledge & skills, motivation, personal characteristics, aptitude, organizational variables on unit trust advisor performances. It seeks to determine the impact of these variables on the overall performances of unit trust advisors in meeting client needs and achieving investment objectives. Furthermore, the study examines the issues that unit trust advisors encounter, shedding light on challenges that hinder their abilities to deliver optimal results. This study adopts a qualitative approach, utilizing in-depth interviews with 12 unit trust advisors and managerial personnel to gather rich and nuanced insights. The findings underscore the intricate nature of advisor performance, revealing that multiple factors converge to shape unit trust advisor performances. Notably, their performance influenced by market conditions, emerges as a critical determinant of advisor success. The study also unveils a range of challenges and issues faced by unit trust advisors, which can substantially impede their ability to deliver optimal outcomes. Market volatility emerges as a significant hurdle, with fluctuations in economic conditions and investor sentiment influencing advisors' capacity to achieve consistent sales. Building trust with clients and educating them about unit trust products represent additional challenges that advisors must navigate. By identifying both influencing factors and performance challenges, organizations and the industry at large can identify areas of strength and opportunities for improvement. Addressing the issues faced by unit trust advisors and enhancing their capacity to manage challenges can lead to improved client outcomes and overall success in effectively managing unit trust investments
Hubungan antara kepuasan kerja, keseimbangan kehidupan kerja, tekanan kerja dengan prestasi kerja guru: Peranan motivasi sebagai perantara
No full textThis study was conducted specifically to identify the relationship between the factors of job satisfaction, work life balance, work stress, motivation and teacher work performance. The design of this study is correlational study because this study aims to identify the relationship between the factors of job satisfaction, work-life balance, job stress and teacher work performance, while motivation acts as a mediator. Social Exchange Theory and Vroom's Expectancy Theory were used in developing the research framework. The study population is a total of 34,487 Sekolah Menengah Kebangsaan (SMK) teachers in the education sector in the Northern Region of Peninsular Malaysia, namely the states of Perlis, Kedah, Penang and Perak Utara. The nature of this study is cross-sectional. This study uses a quantitative approach with a questionnaire method to obtain data. Based on the survey method, followed by cluster and simple random sampling methods, a total of 500 questionnaires were revealed to randomly selected respondents. Of the 500 questionnaires that were revealed, a total of 412 questionnaires were returned and 400 data was analyzed using Statistical Packages for Social Science (SPSS) Version 25. The results of the analysis found that job satisfaction, work life balance, work stress and motivation have a significant positive relationship with teacher work performance. The findings of the study show that motivation shows a mediating effect on the relationship between job satisfaction, work life balance and work stress with teacher work performance. Next, the findings of the study are useful for theoretical and practical implications. Results of this research will allows the Malaysian Ministry of Education to design and implement a more effective self-development program for teachers. Some suggestions for further research are also presented
Kajian Terhadap Kefahaman dan Amalan Sunnah Dalam Masyarakat Islam di Negeri Perlis
Get PDFAliran Sunnah Perlis merupakan landasan rasmi negeri yang telah termaktub dalam peruntukan Enakmen dan Undang-undang Tubuh Negeri Perlis. Maka, kajian ini bertujuan untuk mengenal pasti tahap kefahaman dan kedudukan amalan masyarakat Islam di negeri Perlis, seterusnya meneliti usaha pelaksanaan yang sedia ada berkaitan pemantapan kefahaman dan amalan dan menganalisis data seterusnya membentuk usaha pelaksanaan baharu melalui beberapa bentuk pelaksanaan utama, yang perlu diambil bagi memantapkan aliran sunnah di negeri Perlis dari sudut aqidah dan ibadah. Sehubungan itu, maklum balas daripada 45 orang responden telah dikumpulkan data dengan mengunakan kaedah pemerhatian dan temubual. Semua maklumat ini akan dianalisis dan dipaparkan dalam bentuk jadual dan rajah yang sesuai. Hasil kajian berkaitan kefahaman menunjukkan bahawa majaroti responden berada di sekala sederhana iaitu pengurusan masjid 63%, imam masjid iaitu 70.6% dan makmum masjid iaitu 58.6%. Manakala dapatan kajian berkaitan amalam menunjukkan semua amalan responden berada pada sekala sederhana iaitu pengurusan masjid iaitu 75%, imam masjid iaitu 73% dan makmum 67.8%. Hasil penelitian bagi objektif kedua juga menjelaskan bahawa usaha pelaksanaan sedia ada telah memberikan manfaat kepada setiap bentuk pelaksanaan sedia ada dalam usaha pemantapan tahap kefahaman dan amalan masyarakat terhadap visi dan misi aliran sunnah di Perlis. Justeru itu, hasil daripada dapatan kajian berkaitan kefahaman dan amalan serta usaha pelaksanaan sedia ada telah dapat dikemukakan beberapa usaha pelaksanaan baharu melalui beberapa bentuk pelaksanaan utama dalam mengukuhkan kefahaman dan amalan aliran sunnah di Perlis, sekaligus menunjukkan bahawa kajian ini telah mencapai objektif kajian yang telah ditetapkan
Nonlinear control strategies for chaotic and hyperchaotic synchronization of first order systems of ordinary differential equations
No full textChaos synchronization is a process that can establish similar responses of two or more chaotic or hyperchaotic systems for different initial conditions using feedback controllers. Past study developed controllers that use larger feedback gains to increase synchronization speed. Even though large feedback gains can reduce errors and convergence time, they cause oscillations in the system state variables when the synchronization errors converge to zero. These oscillations take longer to plateau and give rise to erroneous system behavior, thus slowing the rate of convergence. Most feedback controllers eliminate nonlinear terms in the closed-loop system which jeopardizes robust performance. In this thesis, the main objective is to construct nonlinear controllers that can produce oscillation-free, faster, and robust synchronization of chaotic and hyperchaotic systems of first order differential equations, while retaining the nonlinear terms in the systems. Using Lyapunov stability theory, the controllers are designed to achieve synchronization for systems with known and unknown parameters. A comparison study is conducted to verify the performance of the controllers in reducing convergence time and oscillation. Therefore, three novel controllers embedded with hyperbolic tangent functions are proposed: nonlinear and finite-time synchronization controllers for systems with known parameters, and adaptive synchronization controllers for systems with unknown parameters. The findings showed that the proposed controllers performed better than past controllers in reducing the convergence time and oscillations. Furthermore, the controllers are robust due to their ability to preserve the nonlinear terms in the systems. Hence, the proposed controllers can potentially be used as a basis for secure communication
Social entrepreneurship intention among undergraduate students in Universiti Utara Malaysia
No full textThe main objective of this study is to investigate social entrepreneurship intention among undergraduate students in Universiti Utara Malaysia (UUM). This research also investigates the relationship between attitude, influence of norm, perception control and individuals' sustainability orientation towards social entrepreneurship intention. The inconsistency of findings in past literature between the relationship social entrepreneurship intention has prompted researchers to explain the inconsistency. The survey questionnaire was distributed using an online questionnaire to undergraduate students of Universiti Utara Malaysia. A total of 321 questionnaires were used for analysis. The direct relationship was analyzed using the PLS-SEM method. The results show that attitude, influence norm and perception control have a significant relationship with social entrepreneurship intention while individuals' sustainability orientation is found to be insignificant. Finally, management implications, study limitations, and future research recommendations are discussed