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Prospects for The Development of Tourism Insurance in Uzbekistan
Full text linkThis article focuses on how tourism insurance is needed to support the country’s expanding tourism industry. People traveling overseas always use insurance, yet those who travel within their country do not know or utilize it enough. Through the use of qualitative descriptive methods and document and case studies, the study looks at official statistics, government policy and industry reports to find out what the tourism insurance market looks like today. It is clear from the evidence that even with many types of insurance products available, only a small number of travelers in the country use insurance because of lacking public awareness, fewer choices and tough rivalry among tour operators. The data suggests that improving knowledge about insurance, broadening the range of insurance plans and updating the rules are key steps for better risk handling and the continued progress of the Uzbek tourism industry. The researchers found that managing these risks will protect travelers and help build a strong and robust national tourism sector, so that future solutions can be found through further research and developments
Celebrity Characteristics and Customer Patronage of Betking Nigeria in Akwa Ibom State
Full text linkThis paper examined the relationship between celebrity characteristics and customer patronage of Betkings Nigeria in Akwa Ibom State. Celebrity characteristics such as attractiveness, trustworthiness, and expertise are not strong enough to stimulate customer patronage in Betkings in Akwa Ibom State due to the fact that customers are tired of seeing the same celebrity over and over again, which creates a major problem of low customer patronage. The researcher employed the use of survey research design in which primary data were obtained through questionnaire administration. The researcher employed tables and simple percentage method to analyse the research questions. Simple regression technique was used to test hypotheses. The finding of the study revealed that there is a significant relationship between celebrity fit and customer patronage of Betkings in Akwa Ibom State. Another result showed that there is a significant relationship between celebrity credibility and customer patronage of Betkings in Akwa Ibom State. It was further discovered that there is a significant relationship between celebrity expertise and customer patronage of Betkings in Akwa Ibom State. Recommendations were that Betkings should scrutinize the credibility of the endorsed celebrity because credibility determines how the advertising information would impact the customers in terms of the communicated message. There is need to checkmate celebrity fit because when the attributes of the celebrity endorser match with the product features, consumers tend to increase their patronage. Betkings should examine the skill, experience and knowledge of the celebrity to endorse or recommend the product to the public because customers’ actions in response to such recommendations seem to vary directly with the celebrity’s perceived level of expertise and the target customers’ level of agreement with those recommendations
The Use of The Cost-Plus Method in Calculating The Profits of Oil Companies and Its Impact on Public Budget Revenues (A Case Study in The Iraqi Oil Sector)
Full text linkThe aim of this research is to analyze the impact of adopting the (Cost Plus) method in determining the shares of foreign oil companies operating in Iraq on the revenues of the state\u27s general budget. Since oil revenues constitute the primary source of government income. The research examines how this method affects the financial and economic aspects related to the general budget revenues by determining the capex, opex costs, and the fixed profit margin of the contracting companies for oil production on the share returned to the Iraqi government from oil revenues, especially in light of rising operational costs and fluctuations in energy markets. The methodology relies on quantitatively analyzing the financial data of the Rumaila oil field using the cost-plus method, and comparing it with the Production Sharing Agreement (PSA) model to identify the key differences between the two. The research results revealed an inverse relationship between rising costs and the decrease in the government\u27s share. Cost inflation (Capex/Opex) reduces government revenue by 5-7% annually, especially with weak oversight. That is, an increase in costs by more than 15% reduces the government\u27s share to less than 90% even with high prices. The research confirms that the company\u27s profit is fixed regardless of the oil price, reducing budget flexibility during crises. Additionally, the fixed profit margin in Cost Plus leads to unfair distribution during price fluctuations. The research recommends linking the company\u27s profit to the price by adopting the equation (Company Profit = Target Selling Price * Company Profit Margin), which ensures a provision of 85, and withdrawn when the price is below $60 per barrel, which contributes to reducing the budget deficit by 60% during economic crises. The importance of the research lies in providing an applied analysis of the impact of using the Cost Plus method for policymakers and decision-makers in the Ministry of Oil to improve contract terms and increase revenues for the state\u27s public budget
The Influence of New Work Environment on Employee Productivity Moderated by Corporate Culture at pt. Bank Sulutgo Manado
Full text linkThe purpose of this study is to analyze the effect of the new work environment on employee productivity moderated by corporate culture at PT. Bank SulutGo Manado. This study was conducted using a quantitative method. A total of 123 employees of PT. Bank SulutGo Head Office were surveyed as samples in this study. The results of the study showed that the new work environment did not affect employee productivity due to the duration of use of the new office which began at the end of 2023. In addition to physical facilities, namely buildings and their facilities and infrastructure, PT. Bank SulutGo needs to present holistic changes in the work environment including a non-physical work environment. Corporate culture has a significant influence on employee productivity at PT. Bank SulutGo with the implementation of "BSGO Corporate Culture" namely integrity, high work standards, mutual cooperation and customer orientation. Corporate culture does not moderate the influence of the work environment on employee productivity. This shows that the implementation of corporate culture is unable to change the influence of the work environment on employee productivity
Consumer Perception and Patronage of Ibom Air Company in Akwa Ibom State, Nigeria
Full text linkThe study was carried out to determine the effect of consumer perception on patronage of Ibom Air Company in Akwa Ibom State, Nigeria. The survey research design was adopted for the study. The population of the study was two million passengers of Ibom Air Company. The study adopted Taro Yamane’s scientific formular to obtained a sample size of 400 consumers. Data for the study were obtained from the structured questionnaire administered to the passengers who patronized the Ibom Air company. Data for the study were analyzed using tables, frequency and percentage. Hypotheses were tested using simple linear regression and multiple regression models to measure the relationship between the independent variables and the dependent variable, at 0.05 level of significance. The findings revealed that consumer awareness, brand image, and consumer impression individually and collectively had positive significant influence on patronage of Ibom Air company in Akwa Ibom State, Nigeria. Based on the findings of the study, it was concluded that consumer perception plays a crucial role in influencing patronage of Ibom Air company in Akwa Ibom State, Nigeria. It was recommended amongst others that Ibom Airline should create more awareness using online content on social media platforms to sensitize consumers on the services they offer to targeted market locally and internationally. 
The Role of Agricultural Economy Cooperative Societies in Combating Insecurity in Nigeria
Full text linkThis paper examines the role of agricultural cooperative societies in combatting the menace of insecurity in Nigeria. The country is recently grappled with various forms of crimes and violence such as terrorism, armed banditry, and ethnic conflict among others. Therefore, the widespread of violence and insecurity in the country has negatively affected social and economic growth of the country. The insecurity has severely disrupted the livelihoods of Nigerians mainly the rural dwellers, it eroded trust among different Nigerian communities, and has exacerbated extreme poverty in the country. Against, this background, this study highlights the ways the cooperative societies in the country can contribute in enhancing community cohesion, promoting economic empowerment, providing social support. Among other things, this study also attempts to facilitate collaboration with security agencies. By the affective utilisation of the cooperative societies, the insecurity in Nigeria can be redress and eradicated to the minimal level. The societies can mobilize resources and foster resilience within the Nigerian people. The findings explicitly reveal that the potentials of the cooperative societies in addressing the insecurity have not been effectively utilised the need for a comprehensive approach to involve the cooperative societies in tackling the root causes of insecurity in Nigeria. However, the recommendations suggest for strengthening cooperative structures by the government through the involvement of the cooperative societies in promoting economic opportunities, and enhancing community engagement to create safer environments in the country
Disability-Inclusion in Disaster Risk Reduction Management (DRRM) Programs of the Municipalities in Camarines Norte
Full text linkThe study determined the inclusion of disability related concerns on the implementation of Disaster Risk Reduction Management (DRRM) programs of the municipalities in Camarines Norte. This research presented Twelve (12) Municipal DRRMO Profile, Disability Inclusive Policies in DRRM Plans, Disability Inclusive Practices in the Implementation of DRR Programs, Data on Disability Population, Accessibility Features in the Evacuation Centers, Availability of Disability-Inclusive Early Warning System, Training of responders on Disability-Inclusive DRR, Orientation of Barangay Officials and Families of Persons With Disabilities (PWDs) on Disability-Inclusive DRR, Problems and Issues in the Implementation of DIDRR Plan, and Facilitating Factors in the Implementation of DIDRR Plan. The findings show the majority of the respondents have insufficient knowledge about the need of PWDs; they are not yet ready to cater PWDs before, during and after disaster; The disability-inclusive policies in the areas of DRRM of the respondents are not comprehensive to assure PWDs are safe before, during and after disaster; majority of the Municipalities represented the PWD to DRR programs/activities; majority of the respondents have available disability data in their respective municipalities; majority of the respondents are not observing the BP. 344 or also known as Accessibility Law for PWD; most of the respondents do not have inclusive provisions of early warning system for all types of disability; not all the respondents undergo orientations and comprehensive trainings on handling different types of disability; and, the Barangay Officials and Families of PWDs in the different Municipalities were not properly oriented on Disability-Inclusive DRR. This study not only works for the end-result of answering the problems presented in this research, but also as a great source of additional knowledge which can be developed for the advancement of disability-inclusion disaster risk reduction management in general and for the enhancement of community disaster preparedness
Economic Factors Influencing Teacher Shortage in Early Childhood Education in Ibadan South-West Nigeria
Full text linkThis study examined the economic factors influencing teacher shortages in early childhood education (ECE) in Ibadan South West, Nigeria. five specific purposes, five research questions and Job Demands-Resources (JD-R) model developed by Bakker, Demerouti, de Boer, and Schaufeli (2003) as the theoretical framework guided this study.
The study employed a descriptive survey research design, a sample of approximately 200 teachers (100 from public schools and 100 from private schools) was selected using a stratified random sampling method. Data were collected using a structured questionnaire designed to measure the key variables related to each research question. To ensure validity, the questionnaire was reviewed by experts in early childhood education and educational research to confirm that it effectively measured the constructs of interest. A pilot study was conducted with a small subset of teachers (approximately 20) to refine the questionnaire items based on feedback. Cronbach’s Alpha was used to test the reliability of the instrument, with an acceptable threshold set at 0.7.
Data were analyzed using descriptive and inferential statistics. The findings indicated that low salaries and high living costs significantly contribute to teacher attrition, with many educators seeking alternative employment to meet their financial needs. The study also revealed that public and private ECE teachers face distinct economic challenges, leading to variations in retention rates. Additionally, inadequate professional development and financial support were found to deter both existing and potential teachers from pursuing a career in ECE. Job insecurity further exacerbated the problem, particularly among private ECE educators.
Based on the findings, several recommendations were made, including increasing salaries, implementing financial incentives, enhancing professional development opportunities, addressing job insecurity, providing housing support, increasing education funding, promoting ECE as a career, establishing mentorship programs, facilitating community involvement, and conducting regular assessments of teacher needs. By addressing these economic factors, stakeholders can improve teacher retention and ultimately enhance the quality of early childhood education in Ibadan South West
Sustainable Development Goals (SDGs) Indonesia’s Integrated Coastal Zone Management policies
Full text linkThis article analyzes the national fisheries governance policy in Indonesia, particularly through Government Regulation which focuses on measuring fishing as an effort towards a blue economy. As an archipelagic country, Indonesia faces the challenge of managing fisheries resources that balances resource exploitation and environmental sustainability. This paper discusses how the measured fishing policy (PIT) attempts to address these challenges, as well as its relevance to the ecosystem approach applied in West Nusa Tenggara. Through an analysis of the implementation of PIT and the application of Ecosystem-Based Fisheries Management (EAFM), great potential is found to achieve socio-economic goals without neglecting sustainability aspects. However, challenges in implementation and limited infrastructure remain major obstacles
Management Practices of Family-Owned Businesses in Santiago City, Philippines
Full text linkFamily-owned businesses are one of the oldest forms of business organization. The dominance of family-owned businesses in the economies of the world dates back many years, which was why it was described as the oldest and most common form of business organization. appraised the pre-industrial revolution and first industrial revolution era, which family-owned businesses dominated, and concluded that up to this modern age, family-owned businesses still act as the backbone of most of the new and old industrialized economies around the world. Thus, this study assesses the Management practices of family-owned businesses in Santiago City in terms of Culture and Governance, Communication, Strategic Planning, Succession Planning, Leadership. A total of fifty-six (56) family-owned business owners were selected using criterion sampling. The researcher utilized quantitative methods of research using descriptive quantitative research methods to attain the objectives. The instrument used in this study was a research-made questionnaire that was distributed to the chosen family-owned business owners at their respective locations. The findings of this study revealed that the perceptions of management practices of family-owned businesses are strongly agreed with the management practices of family-owned business owners in Santiago City in terms of Culture and Governance, Communication and Trust, Strategic Planning, Succession Planning and Leadership. Moreover, the problems encountered by the owners when managing a family-owned business in Santiago City are mostly involved in Money/Income followed by Customer/Employees and the least encountered problem is Family Concerns