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Reviewer Acknowledgements for Journal of Economics and Management Sciences, Vol. 1, No. 1 《Journal of Economics and Management Sciences》,Vol. 1, No. 1
Pub Date : 2018-07-06 DOI: 10.30560/jems.v1n1p265
James B. Brown
Reviewer Acknowledgements for Journal of Economics and Management Sciences, Vol. 1, No. 1
《Journal of Economics and Management Sciences》,Vol. 1, No. 1
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引用次数: 0
The Determinants of the use of Mobile Banking in Africa 在非洲使用移动银行的决定因素
Pub Date : 2018-06-30 DOI: 10.30560/jems.v1n1p245
Alain T. Sawadogo, Ndilengar Mbatina Nodji
Since a few years, the banking sector in Africa has been transformed. The main factors that explain this transformation include the deleting of the regulatory measures of financial services, the effects of the globalising world and in particular the evolution of information technologies. It is now possible to offer alternative channels of distribution of services such as ATM and vending machines, credit cards and the mobile phone. The operators in the banking sector argue that the mobile bank would provide new opportunities for profits, cost reductions and a delivery of better services for customers. The objective of this paper is to analyse the determinants of the use of mobile banking in Burkina Faso. Taking into account the main variable of a qualitative nature, we used the logit model to perform the different estimates. Apart from the quality variables, gender, age, locality, it is that all the variables are significant to the thresholds of 1%, 5% and 10%.
几年来,非洲的银行业已经发生了转变。解释这种转变的主要因素包括金融服务监管措施的取消、世界全球化的影响,尤其是信息技术的发展。现在有可能提供其他的服务分销渠道,如自动取款机和自动售货机、信用卡和移动电话。银行业的运营商辩称,移动银行将为盈利、降低成本和为客户提供更好的服务提供新的机会。本文的目的是分析在布基纳法索使用移动银行的决定因素。考虑到定性性质的主要变量,我们使用logit模型来执行不同的估计。除了质量变量、性别、年龄、地域外,其余变量对1%、5%、10%的阈值均显著。
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引用次数: 0
The Impact of Background Music on Customer Purchase Intentions 背景音乐对顾客购买意愿的影响
Pub Date : 2018-06-30 DOI: 10.30560/JEMS.V1N1P220
Jacob Shenje
Retail supermarkets in Harare have been finding it difficult to differentiate their store environment based on the traditional components of the retail mix. As such, a quantitative research study was conducted to determine the impact of background music on consumer buying behaviour for retail supermarkets in Harare, Zimbabwe. Specifically, the study sought to determine the effect of playing familiar songs on customer purchase intentions and examine the impact of music tempo on customer purchase intentions in retail supermarkets. The study also intended to determine the effect of music volume on customer purchase intentions in retail supermarkets. Key findings indicated that music volume has a negative effect on customers purchase intentions (r = -0.199; p < 0.05). The study also revealed that music tempo had a negative effect on customer purchase intentions with a coefficient r = -0.208 at 5% level of significance. The findings implied that when music tempo increases customer purchase intentions will equally inversely decrease at the sampled retail supermarkets. Furtherance, findings from the study revealed that familiar music was positively and significantly correlated with consumer purchase intentions with a coefficient r = 0.650 at 5% level of significance. Thus, the supermarkets can use background music as differentiation strategy for enhancing the value of products or services offerings through positive experiences. Indeed, creating pleasant experiences to customers while shopping products or services can help these customers to feel emotionally attached and bonded with the retail supermarkets.
哈拉雷的零售超市发现很难根据零售组合的传统组成部分来区分他们的商店环境。因此,进行了一项定量研究,以确定背景音乐对津巴布韦哈拉雷零售超市消费者购买行为的影响。具体来说,该研究试图确定播放熟悉的歌曲对顾客购买意愿的影响,并检查音乐节奏对零售超市顾客购买意愿的影响。本研究还旨在确定音乐音量对零售超市顾客购买意愿的影响。主要发现:音乐音量对顾客购买意愿有负向影响(r = -0.199;P < 0.05)。研究还发现,音乐节奏对顾客购买意愿有负向影响,在5%显著性水平下系数r = -0.208。研究结果表明,当音乐节奏加快时,在抽样的零售超市中,顾客的购买意愿也会相反地下降。此外,研究结果显示,熟悉的音乐与消费者的购买意愿正显著相关,在5%的显著水平上,系数r = 0.650。因此,超市可以使用背景音乐作为差异化策略,通过积极的体验来提高产品或服务的价值。的确,在顾客购买产品或服务的过程中创造愉快的体验可以帮助这些顾客对零售超市产生情感上的依恋和联系。
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引用次数: 0
Growth and Prospect of Islamic Finance in Bangladesh 伊斯兰金融在孟加拉国的发展与前景
Pub Date : 2018-06-30 DOI: 10.30560/JEMS.V1N1P253
M. Moniruzzaman
Though conventional financial system is contributing swiftly to the economic development but the Islamic finance is not lacking behind of it now a days. The Islamic finance industry has emerged as one of the component of a rapid economic growth over the past three decades. Initially the activities of Islamic finance is limited within the country, but at present the growth of Islamic finance are thought globally with an upward trend through the establishment of various Islamic financial institutions with different shareholders. This paper examines insights into the growth and prospect of Islamic finance in Bangladesh. Islamic finance is ruled by Islamic Finance Guidelines which is issued and approved by Central Bank of Bangladesh. This system has its own principles and guidelines which would make the system of choice in meeting specific investment needs. It compares Islamic and conventional finance regard to Efficiency and Profitability, Risk Management, and Sukuk and Conventional Bonds. In Bangladesh, the atmosphere is exclusive because of the existence of Islamic banking sector. But the country has some deficiencies in imposing specific Islamic finance regulations which have been recognized and efforts are being made to solve the problems by the authorities.
虽然传统金融体系对经济发展的贡献是迅速的,但伊斯兰金融也不落后于传统金融。过去三十年来,伊斯兰金融业已成为快速经济增长的组成部分之一。最初,伊斯兰金融的活动仅限于国内,但目前,通过建立各种不同股东的伊斯兰金融机构,伊斯兰金融的增长在全球范围内呈上升趋势。本文探讨了对孟加拉国伊斯兰金融增长和前景的见解。伊斯兰金融是由孟加拉国中央银行发布和批准的伊斯兰金融准则管理的。这一制度有其自己的原则和指导方针,这将使该制度成为满足具体投资需要的选择。它比较了伊斯兰金融和传统金融在效率和盈利能力、风险管理、伊斯兰债券和传统债券方面的差异。在孟加拉国,由于伊斯兰银行业的存在,气氛是排他性的。但是,该国在实施具体的伊斯兰金融法规方面存在一些不足,这些不足已得到承认,当局正在努力解决这些问题。
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引用次数: 5
Deposit Money Banks’ Credit and Agricultural Output in Nigeria 存款、货币、银行信贷与尼日利亚农业产出
Pub Date : 2018-06-30 DOI: 10.30560/JEMS.V1N1P230
C. George-Anokwuru
Agriculture was the mainstay of the Nigerian economy before the period of oil boom. But after the oil boom, growth and development in agriculture has been constrained by high interest rate by deposit money banks as well as in ability to access credit or loan by farmers. This scenario led to increase in unemployment, poverty and food shortage. Given these problems, the paper examined deposit money banks’ credit and agricultural sector output in Nigeria from 1985-2015. To this effect, secondary data on agricultural sector output, deposit money bank’s credit to agricultural sector, interest rate and money supply was collected from Central Bank of Nigeria Statistical Bulletin. The data collected was analyzed by the econometrics techniques of Augmented Dickey Fuller unit root test, co-integration test and parsimonious Error Correction Model. The unit root and co-integration tests show that all the variables were stationary and co-integrated. The parsimonious Error Correction Model results show that the regression coefficient of deposit money bank’s credit to agricultural sector in explaining its contribution to agricultural output is positive and statistically significant at 5 percent level. The regression coefficient of interest rate appeared with negative sign but statistically not significant. Also, the coefficient of money supply is positive and significantly related with agricultural output. Based on these findings, the paper recommends amongst others that; there should be continuity and consistency of macroeconomic policy measures in the agricultural sector especially in the area of sectorial allocation of credit as well as single digit interest rate target. Also, government should domesticate Food and Agriculture O’s recommendation of 25 percent of capital allocation to agricultural development in order to increase the agricultural production and hence economic growth and development.
在石油繁荣时期之前,农业是尼日利亚经济的支柱。但在石油繁荣之后,农业的增长和发展受到存款银行的高利率以及农民获得信贷或贷款的能力的限制。这种情况导致失业、贫困和粮食短缺增加。鉴于这些问题,本文研究了1985年至2015年尼日利亚存款银行的信贷和农业部门产出。为此,从尼日利亚中央银行统计公报收集了关于农业部门产出、存款银行对农业部门的信贷、利率和货币供应的次级数据。采用增广Dickey Fuller单位根检验、协整检验和简约误差修正模型等计量经济学方法对数据进行分析。单位根检验和协整检验表明,各变量均为平稳协整的。简约误差修正模型结果表明,存款货币银行对农业部门信贷在解释其对农业产出贡献的回归系数为正,且在5%的水平上具有统计学意义。利率的回归系数出现负号,但统计上不显著。货币供给系数与农业产出呈显著正相关。基于这些发现,该论文建议:农业部门的宏观经济政策措施应保持连续性和一致性,特别是在部门信贷分配和个位数利率目标方面。此外,政府应采纳粮农组织的建议,将25%的资金分配给农业发展,以增加农业生产,从而促进经济增长和发展。
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引用次数: 1
Quality of Marketing Education and the Performance of Marketing Graduates in Nigeria 尼日利亚市场营销教育的质量和市场营销毕业生的表现
Pub Date : 2018-06-30 DOI: 10.30560/JEMS.V1N1P237
A. G. Agu
This study surveyed the views of marketing educators, practitioners and graduating students over the increasing gap between marketing theory and practice in Nigeria which has led to the displacement of marketing graduates from marketing positions in many companies across various industries. The survey research design was adopted while a convenience sample size of 180 respondents was used. The respondents were drawn from Marketing lecturers and students in tertiary institutions offering Marketing in the South-east and South-south, as well as industry managers. The study revealed that the level of synergy between marketing theory and practice in Nigeria was poor which results in poor performance of marketing graduates and that the quality of marketing education and methods adopted in teaching the subject matter have high impact on graduates’ performance. It was recommended among others that tertiary institutions offering marketing should seek strong linkage, relationship and knowledge coalition with industry players and employers of labour and that NUC, NIMN and institutional authorities should put an eagle eye on the quality of lecturers, materials and learning environment in order to boost the quality and relevance of marketing education.
本研究调查了市场营销教育工作者,从业者和毕业生对尼日利亚市场营销理论与实践之间日益扩大的差距的看法,这导致了市场营销毕业生从不同行业的许多公司的市场营销职位中流离失所。采用问卷调查的研究设计,采用180人的方便样本量。受访者来自东南和南南提供市场营销的大专院校的市场营销讲师和学生,以及行业管理人员。研究表明,尼日利亚市场营销理论与实践之间的协同作用水平较差,导致市场营销毕业生的表现不佳,市场营销教育的质量和教学主题所采用的方法对毕业生的表现有很大的影响。报告建议,开设市场营销课程的高等教育院校应与业界及劳工雇主建立紧密的联系、关系和知识联盟,并建议国立大学统合会、国立大学管理学院和院校当局密切关注讲师、教材和学习环境的质量,以提高市场营销教育的质量和相关性。
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引用次数: 2
Domestic Debt and Economic Growth in Tanzania 坦桑尼亚国内债务与经济增长
Pub Date : 2018-06-26 DOI: 10.30560/jems.v1n1p207
Josephat Lotto, C. Mmari
The main objective of this paper was to examine the impact of domestic debt on economic growth in Tanzania for the period 1990 to 2015 using Ordinary Least Square (OLS) regression method to estimate the effects. The study finds that there is an inverse but insignificant relationship between domestic debt and the economic growth of Tanzania as measured by GDP annual growth. The inverse relationship between domestic debt and GDP may be caused by different factors such as; increased trend in domestic borrowing, government lenders’ profile dominated by commercial banks and non-bank financial institutions which promotes the “crowding out” effect; the nature of the instruments used by the government ; the improper use of the domestic borrowed funds which may include funding budgetary deficits, paying up principal and matured obligations on debt, developing financial markets as well as fund other government operations. Other control variables relate with the GDP as predicted. For example, Inflation (INF) has a negative effect on the GDP growth rate, but the relationship is not statistically significant, while gross capital formation (GCF) has a positive statistically significant effect on GDP growth rate. Furthermore, foreign direct investment (FDI) showed a positive effect on the GDP growth rate and export (X) has a positive effect on GDP growth rate, and the relationship is statistically significant explaining that if a country applied an export-led growth economic strategy it enjoys the gains of participating in the world market. This means that an increase in export stimulates demand for goods which leads to increase in output, and as a country’s output increases, the economic performance also takes a similar trend. Finally, government expenditure (GE) had a negative effect on the GDP growth rate which may be explained by the increased government expenditures which are funded by either tax or borrowing. Therefore, what is required for countries like Tanzania is to have better debt management strategies as well as prudential financial management while maintaining to remain within the internationally acceptable debt level of 45% of GDP and maintain a GDP growth rate of not less than 5%. It is important for the country to realize from where to borrow from, the tenure, the risks involved and limitations to borrowing and thus set the right balance of combination of both kinds of debt. Another requirement is to properly utilize the borrowed funds. The central government’s objective should be to use the funds in more development-oriented projects that bring positive returns to the economic development.  The government should not only create a right environment and policies for investment to attract investment from domestic and foreign sources but also be cautious about the kind of investments that the foreign investors make.
本文的主要目的是使用普通最小二乘(OLS)回归方法来估计1990年至2015年期间坦桑尼亚国内债务对经济增长的影响。研究发现,国内债务与坦桑尼亚GDP年增长率之间存在反向但不显著的关系。国内债务与GDP呈负相关关系可能由以下因素引起:国内借款呈上升趋势,政府贷款主体以商业银行和非银行金融机构为主,促进了“挤出”效应;政府使用工具的性质;不当使用国内借款资金,包括填补预算赤字、偿还本金和到期债务、发展金融市场以及为其他政府运作提供资金。其他控制变量与预测的GDP相关。例如,通货膨胀率(INF)对GDP增长率有负向影响,但这种关系在统计上不显著,而总资本形成(GCF)对GDP增长率有统计学上显著的正向影响。此外,外国直接投资(FDI)对GDP增长率有正影响,出口(X)对GDP增长率有正影响,这种关系在统计上显著,解释了如果一个国家采用出口导向的增长经济战略,它就享有参与世界市场的收益。这意味着出口的增加刺激了对商品的需求,从而导致产出的增加,并且随着一国产出的增加,经济表现也采取类似的趋势。最后,政府支出(GE)对GDP增长率有负面影响,这可以解释为政府支出的增加,这是由税收或借款资助的。因此,像坦桑尼亚这样的国家需要有更好的债务管理策略和审慎的财务管理,同时保持国际上可接受的45%的债务水平,保持不低于5%的GDP增长率。重要的是要认识到从哪里借债、借债期限、借债的风险和限制,从而实现两种债务组合的合理平衡。另一个要求是合理利用借来的资金。中央政府的目标应该是将这些资金用于更多的发展性项目,为经济发展带来正回报。政府不仅要创造良好的投资环境和政策,吸引国内外的投资,而且要对外国投资者的投资种类保持谨慎。
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引用次数: 1
Designing the Innovative University Using Australian Business Excellence (ABEF) and the European Foundation for Quality Management (EFQM) to Increase Quality of Human Resource 利用澳大利亚商业卓越(ABEF)和欧洲质量管理基金会(EFQM)设计创新型大学,以提高人力资源质量
Pub Date : 2018-06-24 DOI: 10.30560/JEMS.V1N1P192
Rizka Nugraha Pratikna, I. Gamayanto
In the age of globalization and the ASEAN Economic Community (AEC), Indonesia needs a high quality means in order to improve human resources. The Australian Business Excellence Framework (ABEF) and the European Foundation for Quality Management (EFQM) are two methods that meet our need and have been tested in the world. Both of these methods will greatly help to improve quality in various sectors. This study will focus on how to improve human resources at the University. Moreover, University/education is the front liner, the early fort to state its sovereignty defending, to produce high quality human resources, to create a lot of things that will be the source for the life of the people in the world, not only the national products but also the international one. Furthermore, after the analysis process, it creates a "University Quality Award Framework" (UQAF) which is a basic guide to universities, especially in Indonesia. This framework needs improvement, from now version 1.0, and it is beginning to improve the quality of education in Indonesia. UQAF result of the application framework will produce the high-quality, balance human resources both high knowledge and strong character.
在全球化和东盟经济共同体(AEC)的时代,印尼需要一个高质量的手段,以提高人力资源。澳大利亚商业卓越框架(ABEF)和欧洲质量管理基金会(EFQM)是满足我们需求的两种方法,并已在世界范围内进行了测试。这两种方法都将大大有助于提高各个部门的质量。这项研究将着重于如何改善大学的人力资源。此外,大学/教育是第一线,是国家主权捍卫的早期堡垒,是培养高素质人力资源的早期堡垒,是创造许多将成为世界人民生活源泉的东西的早期堡垒,不仅是国家产品,而且是国际产品。此外,在分析过程之后,它创建了一个“大学质量奖框架”(UQAF),这是大学的基本指南,特别是在印度尼西亚。这个框架需要改进,从现在的1.0版本开始,它开始提高印度尼西亚的教育质量。应用框架的UQAF结果将产生高素质、平衡性强、知识性强的人才。
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引用次数: 2
Jameel’s Two and Three-Dimensional Stressed Closed Form Models are Indeed IFRS 9 Complaint Models Jameel 的二维和三维应力封闭模型确实是《国际财务报告准则第 9 号》的申诉模型
Pub Date : 2018-06-24 DOI: 10.30560/JEMS.V1N1P175
J. Adamu
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引用次数: 1
The Design of Innovative Leadership Systems Inside University Using Disneyland Concepts to Face Globalization 面对全球化,运用迪士尼理念设计大学内部创新领导体系
Pub Date : 2018-06-12 DOI: 10.30560/JEMS.V1N1P156
I. Gamayanto, A. M. Sundjaja, T. S. Sukamto
The University is one of the most important pillars of a State. Therefore, the university should be able to produce high-quality human resources and can contribute greatly to the progress of a country in various sectors. High-quality human resources will be able to change the culture of a region, a city and even a country toward a better future, not only in certain sectors but almost all sectors. The main problem in the university, the lecturer is not placed in the right position and still lack of experience possessed by the lecturer, in terms of experience with the subjects taught. This will be answered by using the concept held by Disneyland and this concept developed into a formula L = D3.B. The formula, we created will help in the development of human resources at the university level, with the focus being lecturers and students. furthermore, this formula will greatly assist the university to be able to accept lecturers who have the competence and guide the students to achieve the maximum in themselves, all these things will be able to improve the living standard of the people's economy, with high-quality human resources, it will be able to there is a significant change in the life process, in the future.
大学是一个国家最重要的支柱之一。因此,大学应该能够培养出高素质的人力资源,能够在各个领域为国家的进步做出巨大贡献。高素质的人力资源将能够改变一个地区、一个城市甚至一个国家的文化,走向更美好的未来,不仅仅是在某些领域,而是几乎所有领域。在大学的主要问题是,讲师没有被安置在正确的位置,仍然缺乏讲师所拥有的经验,就所教科目的经验而言。这个问题可以用迪斯尼乐园的概念来回答,这个概念发展成一个公式L = D3.B。我们创建的公式将有助于开发大学一级的人力资源,重点是讲师和学生。此外,这个公式将极大地帮助大学能够接受有能力的讲师,引导学生最大限度地发挥自己,所有这些都将能够提高人民的经济生活水平,拥有高素质的人力资源,它将能够在未来的生活过程中发生重大变化。
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引用次数: 2
期刊
Journal of Economics and Management Sciences
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