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Underwriting Operations and Financial Performance: Evidence from Non-Life Insurance Firms in Nigeria 承保业务和财务业绩:来自尼日利亚非寿险公司的证据
Pub Date : 2023-10-13 DOI: 10.21512/becossjournal.v5i3.10232
Taiwo Olarinre Oluwaleye, Sunday Stephen Ajemunigbohun, Kehinde Emmanuel Abiodun
This study investigated the relationship between underwriting operations and the performance of non-life insurance firms in Nigeria. Specifically, the study examined the combined metrics of claim ratio, insurance premium, and re-insurance claims on the return on assets using the non-life insurance firms as bases in Nigeria. The study engaged data within the period of 2011-2020 extracted from the financial statements of five selected non-life insurance firms and analysis of data was conducted with a panel regression procedure. The result showed that insurance premium had a positive significant effect on return on asset, while re-insurance claim and claim ratio had positive but insignificant effect on return on asset. Therefore, this study concluded that underwriting operations contribute to the performance of non-life insurance firms in Nigeria. Hence, this study recommended that non-life insurance firms should put more effort into harnessing strategies and resources that enhances insurance premium in order to improve financial performance.
本研究调查了尼日利亚非寿险公司承保业务与业绩之间的关系。具体而言,该研究以尼日利亚的非寿险公司为基地,考察了索赔比率、保险费和再保险索赔对资产回报的综合指标。本研究采用了从五家选定的非寿险公司的财务报表中提取的2011-2020年期间的数据,并使用面板回归程序对数据进行了分析。结果表明,保费对资产收益率有显著的正向影响,再保险理赔和理赔比例对资产收益率有显著的正向影响。因此,本研究得出结论,承销业务有助于尼日利亚非寿险公司的业绩。因此,本研究建议,非寿险公司应更努力地利用提高保费的策略和资源,以改善财务绩效。
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引用次数: 0
The Influence of The #Pilahsampah Campaign on Instagram on The Intention of Sorting Plastic Waste in Youth Instagram上的#Pilahsampah运动对青少年塑料垃圾分类意愿的影响
Pub Date : 2023-09-30 DOI: 10.21512/becossjournal.v5i3.10622
Cornelia Instiani, Raymon Godwin, Clara Verena
Research looks at the effect of the #pilahsampah campaign on Instagram on the intention to sort plastic waste in adolescents. The #pilahsampah campaign includes information on Instagram media about waste sorting. Experimental design study with 74 adolescent participants from DKI Jakarta with an age range of 19-23 years. Intention to sort waste was measured using a questionnaire developed by researchers based on the ATCT intention criteria theory (Action, target, context, and time) by Fishbein and Ajzen (2005). The results based on the analysis of the Independent T Test showed that in the post-test of the experimental group there were differences from the pre-test that was done previously compared to the control group (Sig.=0.00, p-value <0.05). It was concluded that the #pilahsampah campaign on Instagram had a significant influence on the intention to sort plastic waste among teenagers.
研究着眼于Instagram上#pilahsampah运动对青少年塑料垃圾分类意愿的影响。#pilahsampah运动包括在Instagram媒体上提供有关垃圾分类的信息。实验设计研究来自雅加达DKI的74名青少年参与者,年龄范围为19-23岁。研究人员根据Fishbein和Ajzen(2005)的ATCT意图标准理论(行动、目标、情境和时间)开发了一份问卷,对垃圾分类意愿进行了测量。基于独立T检验分析的结果显示,实验组的后检验与之前做的前检验相比,与对照组有差异(Sig.=0.00, p值<0.05)。研究得出结论,Instagram上的#pilahsampah运动对青少年分类塑料垃圾的意愿产生了重大影响。
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引用次数: 0
Ethical Leadership and Employee’s Performance in Lagos State Government-Office of the Auditor General 拉各斯州政府审计长办公室的道德领导和员工绩效
Pub Date : 2023-09-30 DOI: 10.21512/becossjournal.v5i3.10168
Ayobami Elegunde, Olufunke Tayo Omolara, Motunrayo Abimbola
Ethical leadership is leadership that is directed by respect for ethical beliefs and values and for the dignity and rights of others. This study examined the effects of ethical leadership on employee performance in Lagos State Government-Office of Auditor General. The objectives of the study were to: examine the effect of ethical leadership on employee effectiveness in Lagos State Government-Office of the Auditor General; investigate the effect of ethical leadership on employee job satisfaction in Lagos State Government-Office of the Auditor General and evaluate the influence of ethical leadership on employee productivity in Lagos State Government-Office of the Auditor General. The study adopted a descriptive survey research design on a population of 381 of Lagos State Government-Office of Auditor General. Purposive sampling technique was employed in administering the research instrument. The research instrument employed was a questionnaire. Data were gathered from primary source. The research instrument employed was a self-constructed 5-point Likert scale questionnaire. The research instrument was validated through content validity and a Cronbach alpha reliability test of 0.875, 0.895 and 0.823 indexes were conducted. The results of the study revealed that ethical leadership has a significant influence on employee effectiveness, job satisfaction and productivity. Thus, the study recommended that the leadership of the commission should adopt equal treatment of its staff to help improve the quality and increase employees’ sense of commitment towards their job.
道德领导是指以尊重道德信仰和价值观,尊重他人的尊严和权利为指导的领导。本研究考察了拉各斯州政府审计长办公室道德领导对员工绩效的影响。该研究的目的是:检查道德领导对拉各斯州政府-审计长办公室员工有效性的影响;调查拉各斯州政府审计长办公室道德领导对员工工作满意度的影响,评估拉各斯州政府审计长办公室道德领导对员工生产力的影响。该研究采用描述性调查研究设计,对拉各斯州政府审计长办公室的381人进行了调查。本研究仪器的管理采用目的抽样技术。所采用的研究工具是问卷调查。数据是从主要来源收集的。研究工具为自编李克特5分制问卷。对研究仪器进行内容效度验证,并进行Cronbach α信度检验,信度分别为0.875、0.895和0.823。研究结果显示,伦理型领导对员工效能、工作满意度和生产力有显著影响。因此,研究建议廉署领导层应采取平等对待员工的做法,以提高员工的素质,增加员工对工作的承诺感。
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引用次数: 0
Effectiveness of Psychoeducation Techniques and Guidance Counseling Services for Non-Guidance Counseling Primary Teachers 非辅导辅导小学教师心理教育技术与辅导辅导服务的有效性
Pub Date : 2023-09-30 DOI: 10.21512/becossjournal.v5i3.10603
Hasna Hafizhah Salma
There is still limited availability of primary level school counselors, even though they play a significant role in helping primary level students grow and develop academically, socially, and emotionally. However, non-counseling teachers, such as homeroom teachers, religion teachers, and teachers of other subjects, also carry out the role of school counselors. Unfortunately, most of these teachers do not understand their ability to provide optimal counseling services. Therefore, this research aims to determine the effectiveness of psychoeducation in improving the understanding of non-counseling teachers regarding counseling guidance techniques and services. This quasi-experimental research with a one-group pre-test post-test design was conducted with 38 subjects selected using purposive sampling. The data analysis used the 1-tailed Wilcoxon test with JASP version 0.18.0. The results show that psychoeducation is effective in improving the understanding of counseling techniques and services among non-counseling teachers. The implications of this study can be useful for teachers, policymakers, and future researchers.
尽管小学阶段的学校辅导员在帮助小学生在学业、社交和情感上的成长和发展方面发挥着重要作用,但他们的可用性仍然有限。然而,非咨询教师,如班主任、宗教教师和其他学科教师,也承担着学校辅导员的角色。不幸的是,这些教师中的大多数并不了解他们提供最佳咨询服务的能力。因此,本研究旨在确定心理教育在提高非咨询教师对咨询指导技术和服务的理解方面的有效性。本拟实验研究采用单组前测后测设计,采用目的抽样法,选取38名受试者。数据分析采用JASP 0.18.0版本的单尾Wilcoxon检验。结果表明,心理教育在提高非咨询教师对咨询技术和服务的理解方面是有效的。本研究的意义可以为教师、政策制定者和未来的研究人员提供有用的信息。
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引用次数: 0
The Impact of Communication and Trust in Leadership on Workers' Compensation: A Case Study of Suka Ramai Coffee Shop in Tanjung Pinang City 领导沟通与信任对员工赔偿的影响:以丹绒槟榔市Suka Ramai咖啡店为例
Pub Date : 2023-09-30 DOI: 10.21512/becossjournal.v5i3.10393
Soraya Agustina Situmorang
Human resources play a crucial role in every company, and managing them effectively is essential for creating a positive work environment. Human Capital Management (HCM) emphasizes the value of employees as assets that need to be professionally and sustainably managed. Proper management of employees can lead to significant benefits, including the ability to execute business strategies, create future opportunities, and enhance overall company competitiveness. This study examines the role of trust in leadership and communication in employee compensation. It adopts a descriptive qualitative approach, utilizing interview data and observations. The findings highlight the significance of trust in leaders for effective communication, which contributes to building trust among employees. When trust between leaders and employees is established, leaders can transparently provide fair compensation, which enhances employee motivation, performance, and loyalty to the company. The study underscores the importance of trust and communication in ensuring equitable compensation for employees.
人力资源在每个公司都扮演着至关重要的角色,有效地管理人力资源对于创造一个积极的工作环境至关重要。人力资本管理(HCM)强调员工作为资产的价值,需要专业和可持续的管理。对员工进行适当的管理可以带来显著的好处,包括执行业务战略的能力,创造未来的机会,提高公司的整体竞争力。本研究探讨领导信任与沟通对员工薪酬的影响。它采用描述性定性方法,利用访谈数据和观察。研究结果强调了对领导者的信任对于有效沟通的重要性,这有助于在员工之间建立信任。当领导者和员工之间建立信任时,领导者可以透明地提供公平的薪酬,从而提高员工的积极性,绩效和对公司的忠诚度。该研究强调了信任和沟通在确保员工公平薪酬方面的重要性。
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引用次数: 0
Hubungan Antara Personal Growth Initiative dan Retensi Karywan pada Generasi Z 个人成长计划与留住 Z 世代员工之间的关系
Pub Date : 2023-09-30 DOI: 10.21512/becossjournal.v5i3.10604
Anggita Dian Cahyani, Michael Vierri
Generation Z is one of the generations that has an important role in the world of work. In addition, with the development of the world of work, employee retention is one of the main challenges faced by companies to maintain company stability and sustainability. In order to maintain high retention of generation Z employees, companies need to understand the factors that influence them to remain in the organization. One factor that can affect the retention of generation Z employees is personal growth initiative. This study aims to analyze whether there is a significant relationship between the two variables. This study involved 100 participants who were generation Z who were already working. The design of this study is correlational, the data was taken using limesurvey and analyzed by product moment correlation analysis. The analysis results showed a positive relationship between personal growth initiative and employee retention (p = -0.00) with a value of r = 0.36. This research provides a better understanding of the importance of personal growth initiatives and their relationship to employee retention.
Z世代是在工作世界中扮演重要角色的一代人之一。此外,随着工作世界的发展,员工的保留是公司维持公司稳定性和可持续性所面临的主要挑战之一。为了保持Z世代员工的高保留率,公司需要了解影响他们留在组织中的因素。影响Z世代员工留任的一个因素是个人成长主动性。本研究旨在分析这两个变量之间是否存在显著的关系。这项研究涉及100名已经开始工作的Z世代参与者。本研究的设计是相关的,数据采用石灰调查法获取,并采用积矩相关分析法进行分析。分析结果显示,个人成长主动性与员工留任呈正相关(p = -0.00), r = 0.36。本研究有助于更好地理解个人成长计划的重要性及其与员工留任的关系。
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引用次数: 0
The Impact of Macroeconomic Variables on the Contingent Built-in Inflation: Evidence from Indonesia 宏观经济变量对偶然性内建通胀的影响:来自印度尼西亚的证据
Pub Date : 2023-09-30 DOI: 10.21512/becossjournal.v5i3.10113
Prabhanshu Sharma, Mohammad Rashed Yadgari
This paper examines the relationship between Exchange rates, GDP, and Government expenditure as macroeconomic variables on the Inflation of Indonesia which is quite struggling with increased prices of goods and services as it has been a persistent problem in Indonesia for many years. In 2023, it is so far 5.47% which is above the target set by the central bank of Indonesia of 2-4%. With the data taken from World Bank and IMF, the methodology consists of stationarity check, Cointegration analysis, and Error Correction Model to identify the long-run nexus among variables. The estimation result found that GDP is positively correlated with Inflation, Exchange rate is positively correlated with mild effects on inflation and government expenditure is negatively correlated with Inflation.
本文考察了汇率、国内生产总值和政府支出之间的关系,作为印度尼西亚通货膨胀的宏观经济变量,这是与商品和服务价格上涨作斗争的结果,因为这是印度尼西亚多年来一直存在的问题。到2023年,它到目前为止是5.47%,高于印尼中央银行设定的2-4%的目标。采用世界银行和国际货币基金组织的数据,方法包括平稳性检验、协整分析和误差修正模型,以确定变量之间的长期联系。估计结果发现,GDP与通货膨胀呈正相关,汇率与通货膨胀影响温和正相关,政府支出与通货膨胀负相关。
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引用次数: 0
The Correlation of Financial Management Practices and Controlling Mechanisms for Financial Management Challenges and Issues The Case of Franciscan Missionaries of Mary Congregation 财务管理实践与控制机制的关联:财务管理的挑战与问题——以圣母修会方济各会传教士为例
Pub Date : 2023-05-31 DOI: 10.21512/becossjournal.v5i2.9780
War War, Maria Joan P. Barlis
The study analyzed financial management practices and controlling mechanisms for financial management challenges and issues in religious congregations, specifically the Franciscan Missionaries of Mary Congregation. The study was based on a questionnaire survey sent to 305 respondents among the religious sisters. Weighted mean and the Spearman rho coefficient values were applied in the statistical processing of the data.  The results showed a significant positive relationship between financial management practices and the controlling mechanisms for financial management challenges and issues, suggesting that a lack of control mechanisms could lead to the possibility of fraud. The study suggests that good financial management practices impact management resources and decision-making. The study highlights the importance of financial management practices for non-profit organizations, as they can be prone to financial challenges and issues due to lack of resources or mismanagement and its effectiveness is crucial for the sustainability, growth, and impact of the organization.
该研究分析了财务管理实践和控制机制的财务管理挑战和问题的宗教会众,特别是方济各会传教士的玛丽会众。这项研究基于对305名修女的问卷调查。采用加权平均值和Spearman系数值对数据进行统计处理。结果显示,财务管理实践与财务管理挑战和问题的控制机制之间存在显著的正相关关系,这表明缺乏控制机制可能导致欺诈的可能性。研究表明,良好的财务管理实践影响管理资源和决策。该研究强调了财务管理实践对非营利组织的重要性,因为它们容易因缺乏资源或管理不善而面临财务挑战和问题,其有效性对组织的可持续性、增长和影响至关重要。
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引用次数: 0
The Effect of Toxic Workplace Environment on Employee Performance Mediated by Employee Engagement and Work Stress Among F&B Employees in Jakarta 雅加达餐饮员工敬业度和工作压力对有毒工作环境对员工绩效的影响
Pub Date : 2023-05-31 DOI: 10.21512/becossjournal.v5i2.9729
Shelvy Kurniawan, Farras Ammar Bamumin, Kevin Novaldi Kusnandar
Employee engagement and high work stress often become obstacles for MSMEs to produce good employee performance. One of the problems in human resources that often occur is a toxic workplace environment. The purpose of this study was to determine the effect of a toxic workplace environment on employee performance mediated by work stress and employee engagement among F&B MSMEs employees in Jakarta. This research uses quantitative research methods. Questionnaires were distributed to F&B MSMEs employees in Jakarta and the data obtained was processed using SmartPLS. This study has a respondent of 400 respondents. The results showed that there was a positive effect between a toxic workplace environment on work stress, a negative effect between a toxic workplace environment on employee engagement, a negative effect between work stress and employee performance, a positive effect between employee engagement and employee performance, a non-significant negative effect of a toxic workplace environment on employee performance, there is a significant negative effect of a toxic workplace environment mediated by work stress on employee performance, and there is a significant negative effect of a toxic workplace environment mediated by employee engagement on employee performance.
员工敬业度高和工作压力大往往成为中小微企业产生良好员工绩效的障碍。人力资源中经常出现的问题之一是有毒的工作环境。本研究的目的是确定有毒的工作环境对雅加达餐饮中小企业员工的工作压力和员工敬业度介导的员工绩效的影响。本研究采用定量研究方法。问卷分发给餐饮中小企业员工在雅加达和获得的数据进行处理使用SmartPLS。这项研究有400名受访者。结果表明:有毒工作环境对工作压力有正向影响,对员工敬业度有负向影响,工作压力对员工绩效有负向影响,员工敬业度对员工绩效有正向影响,有毒工作环境对员工绩效有不显著的负向影响。以工作压力为中介的有毒工作环境对员工绩效有显著的负向影响,以员工敬业度为中介的有毒工作环境对员工绩效有显著的负向影响。
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引用次数: 0
Hubungan Self-Regulated Learning dengan Goal Orientation pada Mahasiswa Universitas X di Masa Pandemi 大流行时期X大学学生的自调节学习与目标方向的关系
Pub Date : 2023-05-31 DOI: 10.21512/becossjournal.v5i2.9872
Oktaffiana Oktaffiana, Budi Sulaeman
This study aims to see the correlation between self-regulated learning and goal orientation among students of the humanities faculty of University X in the pandemic era. The study used correlational quantitative methods with 70 participants who were given two measuring scales in the form of a google form questionnaire. The first measuring scale uses a scale compiled by Budi Sulaeman as a BINUS Psychology lecturer based on the self- regulation cycle proposed by Zimmerman (in Susetyo & Kumara, 2012) to measure self-regulated learning and a measuring scale modified by Rono J (2012) based on goal orientation theory. to measure goal orientation. Using pearson correlation analysis, show that self-regulated learning has a positive and significantly correlation with goal orientation (r = 0.730, p < .001), so Ha is accepted and H0 is rejected.
本研究旨在了解大流行时期X大学人文学院学生自我调节学习与目标取向的相关性。这项研究对70名参与者使用了相关定量方法,他们以谷歌表格问卷的形式获得了两种测量量表。第一个测量量表使用了BINUS心理学讲师Budi Sulaeman根据Zimmerman (in Susetyo & Kumara, 2012)提出的自我调节周期(self- regulation cycle)编制的测量自我调节学习的量表和Rono J(2012)基于目标取向理论修改的测量量表。测量目标取向。pearson相关分析显示,自我调节学习与目标取向存在显著正相关(r = 0.730, p < .001),因此Ha被接受,H0被拒绝。
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引用次数: 0
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Business Economic, Communication, and Social Sciences Journal (BECOSS)
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