The study provided insights into current realities of financial inclusion among financially vulnerable (financially illiterate and semi-literate) customers in an emerging economy. The two-phased study adopted both quantitative and qualitative methods in which cross-sectional and phenomenological approaches were used for data collection, with specific emphasis on rural-urban differentials. Data for the first phase was obtained from an urban (n=211) and rural (n=242) sample selected via a combination of purposive and convenient sampling. A structured questionnaire was utilized in eliciting relevant information from the study participants. Data for the second phase was obtained from bank managers who are key informants with professional knowledge about trends of financial inclusion in Nigeria. Quantitative outcomes showed that residential status had a significant main effect on access to marketing financial inclusion services, such that rural residents had limited access to financial inclusion services; while perceived cost of financial inclusion had a significant main effect on usage of financial inclusion services, such that perceptions of high cost of perceived inclusion resulted in less usage of financial inclusion services. Qualitative outcomes highlighted major efforts used to drive financial inclusion including financial education and financial literacy in rural Nigeria, while highlighting the prospects, problems and possible interventions.
{"title":"Financial Inclusion in Rural and Urban Nigeria: A Quantitative and Qualitative Approach","authors":"Taiwo O. Soetan, Omonigho S. Umukoro","doi":"10.5539/ijef.v15n11p64","DOIUrl":"https://doi.org/10.5539/ijef.v15n11p64","url":null,"abstract":"The study provided insights into current realities of financial inclusion among financially vulnerable (financially illiterate and semi-literate) customers in an emerging economy. The two-phased study adopted both quantitative and qualitative methods in which cross-sectional and phenomenological approaches were used for data collection, with specific emphasis on rural-urban differentials. Data for the first phase was obtained from an urban (n=211) and rural (n=242) sample selected via a combination of purposive and convenient sampling. A structured questionnaire was utilized in eliciting relevant information from the study participants. Data for the second phase was obtained from bank managers who are key informants with professional knowledge about trends of financial inclusion in Nigeria. Quantitative outcomes showed that residential status had a significant main effect on access to marketing financial inclusion services, such that rural residents had limited access to financial inclusion services; while perceived cost of financial inclusion had a significant main effect on usage of financial inclusion services, such that perceptions of high cost of perceived inclusion resulted in less usage of financial inclusion services. Qualitative outcomes highlighted major efforts used to drive financial inclusion including financial education and financial literacy in rural Nigeria, while highlighting the prospects, problems and possible interventions.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"22 4","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135218263","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study examines the cointegration relationship long-run between stokvels and banking sector development measured by banking sector efficiency in South Africa by using the ARDL approach technique with economic time series data ranging from 1987Q3 to 2020Q1. This study reveals that in the long-run, stokvel savings has a negative relationship with banking sector development. In the short run results are negative and significant coefficient. This study reveals implications for policymakers should promote and advance the social and economic welfare of South Africans, promote a fair, transparent, competitive, sustainable, responsible, efficient, effective and accessible credit market and industry, and promote consumers.
{"title":"The Relationship Between Stokvels and Banking Sector Efficiency: An ARDL Approach","authors":"Lindiwe Ngcobo","doi":"10.5539/ijef.v15n11p40","DOIUrl":"https://doi.org/10.5539/ijef.v15n11p40","url":null,"abstract":"This study examines the cointegration relationship long-run between stokvels and banking sector development measured by banking sector efficiency in South Africa by using the ARDL approach technique with economic time series data ranging from 1987Q3 to 2020Q1. This study reveals that in the long-run, stokvel savings has a negative relationship with banking sector development. In the short run results are negative and significant coefficient. This study reveals implications for policymakers should promote and advance the social and economic welfare of South Africans, promote a fair, transparent, competitive, sustainable, responsible, efficient, effective and accessible credit market and industry, and promote consumers.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135665501","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This research aims to examine the factors that stimulated life satisfaction, particularly for women working in private organizations, using the adult attachment style approach with work-family conflict. A quantitative method was employed, and a sample of 100 women was collected through a questionnaire. The data analysis was performed using the SPSS software. The results of this study indicate that adult attachment style has a significant negative impact on life satisfaction, while work-family conflict has a significant positive effect on life satisfaction. For respondents, it is suggested that working mothers should strive to minimize activities that may lead to excessive role conflicts. Additionally, researchers recommend that working mothers enhance their life satisfaction by appreciating their current accomplishments and contemplating achievable goals. Furthermore, engaging in enjoyable activities can help prevent undue worry and stress related to their roles.
{"title":"Effect of Adult Attachment Style and Work-Family Conflict on Life Satisfaction of Working Women","authors":"Jefri Heridiansyah, Theresia Susetyarsi, Wahyudi -, Teti Safari","doi":"10.5539/ijef.v15n11p20","DOIUrl":"https://doi.org/10.5539/ijef.v15n11p20","url":null,"abstract":"This research aims to examine the factors that stimulated life satisfaction, particularly for women working in private organizations, using the adult attachment style approach with work-family conflict. A quantitative method was employed, and a sample of 100 women was collected through a questionnaire. The data analysis was performed using the SPSS software. The results of this study indicate that adult attachment style has a significant negative impact on life satisfaction, while work-family conflict has a significant positive effect on life satisfaction. For respondents, it is suggested that working mothers should strive to minimize activities that may lead to excessive role conflicts. Additionally, researchers recommend that working mothers enhance their life satisfaction by appreciating their current accomplishments and contemplating achievable goals. Furthermore, engaging in enjoyable activities can help prevent undue worry and stress related to their roles.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136359751","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper examines the asymmetric effect of economic policy uncertainty, geopolitical risk, and climate policy uncertainty on the volatility of the S&P 500 stock index, before and after the launch of the S&P 500 ESG Index, by using a Non-linear Autoregressive Distributed Lag (NARDL) model, for the period January 2010 to august 2022.We provide evidence on the asymmetric impact of climate policy uncertainty on the volatility of the S&P 500 both in the short-run and in the long-run, and this asymmetry is more frequent after the launch of the S&P 500 ESG Index. Moreover, in the long-run, a decrease in the economic policy uncertainty after the launch of the S&P 500 ESG has greater effect on volatility of the S&P 500, than the short-run. We also find that positive and negative shocks to geopolitical risk before and after the launch of the S&P500 ESG index do not affect the volatility of the S&P 500 stock market index in the short -run and long.
{"title":"Policy Uncertainty and the Volatility of the S&P 500: Before and After the Launch of the S&P 500 ESG","authors":"Manel Mahjoubi, Jamel Eddine Henchiri","doi":"10.5539/ijef.v15n11p28","DOIUrl":"https://doi.org/10.5539/ijef.v15n11p28","url":null,"abstract":"This paper examines the asymmetric effect of economic policy uncertainty, geopolitical risk, and climate policy uncertainty on the volatility of the S&P 500 stock index, before and after the launch of the S&P 500 ESG Index, by using a Non-linear Autoregressive Distributed Lag (NARDL) model, for the period January 2010 to august 2022.We provide evidence on the asymmetric impact of climate policy uncertainty on the volatility of the S&P 500 both in the short-run and in the long-run, and this asymmetry is more frequent after the launch of the S&P 500 ESG Index. Moreover, in the long-run, a decrease in the economic policy uncertainty after the launch of the S&P 500 ESG has greater effect on volatility of the S&P 500, than the short-run. We also find that positive and negative shocks to geopolitical risk before and after the launch of the S&P500 ESG index do not affect the volatility of the S&P 500 stock market index in the short -run and long.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"61 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136359595","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper depicts three mechanisms through which fiscal policy affects economic growth in the Dominican Republic. The first mechanism rests on the evidence that increasing public expenditures on education leads to the reduction of adolescent fertility and the percentage of young females who neither study or work, which gives rise to increasing the ratio of female to male employees and thus increasing domestic savings and economic growth.
The second mechanism consists of increasing social expenditures, which results in decreasing the underground economy and, thus, results in increased productivity, economic growth, and reduced violence.
The third mechanism is based on the evidence that increasing education expenditures leads to the reduction of emigration and, thus, to the reduction of remittances, which in turn increases economic growth.
The operation of these mechanisms is sustained by Figures that show that the postulated relationships exist in the Dominican Republic.
The results imply first, that fiscal policy has important effects that have often been overlooked, such as the reductions in school desertion, the percentages of female and male youth that neither work nor study, and the decrease in informality in the Dominican Republic. And second, a valid development strategy resides in increasing tax revenues to support the expansion of social services.
{"title":"Fiscal Policy, Quality of Education, and Economic Growth in the Dominican Republic","authors":"Luis Rene Caceres","doi":"10.5539/ijef.v15n10p57","DOIUrl":"https://doi.org/10.5539/ijef.v15n10p57","url":null,"abstract":"This paper depicts three mechanisms through which fiscal policy affects economic growth in the Dominican Republic. The first mechanism rests on the evidence that increasing public expenditures on education leads to the reduction of adolescent fertility and the percentage of young females who neither study or work, which gives rise to increasing the ratio of female to male employees and thus increasing domestic savings and economic growth.
 
 The second mechanism consists of increasing social expenditures, which results in decreasing the underground economy and, thus, results in increased productivity, economic growth, and reduced violence. 
 
 The third mechanism is based on the evidence that increasing education expenditures leads to the reduction of emigration and, thus, to the reduction of remittances, which in turn increases economic growth.
 
 The operation of these mechanisms is sustained by Figures that show that the postulated relationships exist in the Dominican Republic. 
 
 The results imply first, that fiscal policy has important effects that have often been overlooked, such as the reductions in school desertion, the percentages of female and male youth that neither work nor study, and the decrease in informality in the Dominican Republic. And second, a valid development strategy resides in increasing tax revenues to support the expansion of social services.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136343584","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper examines the impact of the human capital composition of unskilled, skilled, and high-skilled levels on the innovation capacity of middle-income economies. Data from 65 countries in lower middle-income, upper middle income, and high-income categories over the period of 1985-2019 is used. Panel data regressions are employed. Results suggest the innovation capacity enhancing effects of high-skilled human capital in upper-middle income countries (UMICs) and high-income countries. For lower middle-income countries (LMICs), the skilled human capital is the important workforce fostering their innovation capacity, while the R&D personnel of high-skilled human capital is yet to be important. Unskilled human capital is confirmed to not play any role in innovation development in MIEs and above. For UMICs, high-skilled human capital is supported by the foreign innovation diffusion through imports, and R&D capital stocks; while for LMICs, FDI-embodied foreign innovation supplements the skilled human capital to build up innovation capacity.
{"title":"Human Capital for Innovation Capacity in Middle-Income Economies","authors":"Huong Thu Ngo","doi":"10.5539/ijef.v15n11p1","DOIUrl":"https://doi.org/10.5539/ijef.v15n11p1","url":null,"abstract":"This paper examines the impact of the human capital composition of unskilled, skilled, and high-skilled levels on the innovation capacity of middle-income economies. Data from 65 countries in lower middle-income, upper middle income, and high-income categories over the period of 1985-2019 is used. Panel data regressions are employed. Results suggest the innovation capacity enhancing effects of high-skilled human capital in upper-middle income countries (UMICs) and high-income countries. For lower middle-income countries (LMICs), the skilled human capital is the important workforce fostering their innovation capacity, while the R&D personnel of high-skilled human capital is yet to be important. Unskilled human capital is confirmed to not play any role in innovation development in MIEs and above. For UMICs, high-skilled human capital is supported by the foreign innovation diffusion through imports, and R&D capital stocks; while for LMICs, FDI-embodied foreign innovation supplements the skilled human capital to build up innovation capacity.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"40 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135771092","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Iraqi loans stood out because of their unique characteristics. The international blockade in 1991, the occupation in 2003, and the actions of puppet administrations were among the many events that contributed to this debt, with the first two being the most significant. and corruption with many faces. Due to these policies, Iraq is currently undergoing debt restructuring under the supervision and guidelines of the IMF. The goal of the research was to examine the causes of the increase in Iraqi debt following the invasion in 2003. The study discovered that even in the case of a revenue surplus, Iraqi governments continued to construct annual budgets with deficits that are financed by debt. It caused Iraq’s debts to grow and accumulate. Debt has grown to be a significant issue for the Iraqi economy and financial system. Iraqi debts are viewed negatively due to their impact on the welfare of the Iraqi people. According to the international doctrine of odious debts, Iraq has the right not to pay these payments.
{"title":"The Contemporary Concept of Odious Debts: Iraq’s Debts as a Model","authors":"Duraid K. Alshbib","doi":"10.5539/ijef.v15n10p44","DOIUrl":"https://doi.org/10.5539/ijef.v15n10p44","url":null,"abstract":"Iraqi loans stood out because of their unique characteristics. The international blockade in 1991, the occupation in 2003, and the actions of puppet administrations were among the many events that contributed to this debt, with the first two being the most significant. and corruption with many faces. Due to these policies, Iraq is currently undergoing debt restructuring under the supervision and guidelines of the IMF. The goal of the research was to examine the causes of the increase in Iraqi debt following the invasion in 2003. The study discovered that even in the case of a revenue surplus, Iraqi governments continued to construct annual budgets with deficits that are financed by debt. It caused Iraq’s debts to grow and accumulate. Debt has grown to be a significant issue for the Iraqi economy and financial system. Iraqi debts are viewed negatively due to their impact on the welfare of the Iraqi people. According to the international doctrine of odious debts, Iraq has the right not to pay these payments.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"55 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136072608","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Foreign direct investment (FDI) has gained importance in recent years as an essential component of economic growth. This work has a dual focus: on the one hand, it aims to identify the main determinants of FDI in Morocco, and on the other, it attempts to measure the effect of FDI on the Moroccan economy over the period 1990-2020. We have adopted an approach using the Autoregressive Staggered Lag (ARDL) model, as proposed by Pesaran et al. (2001). The main findings of this study indicate that high economic performance, well-trained human capital, economic stability, market size, and trade openness are the main determinants of FDI. FDI has a positive and significant effect on the Moroccan economy in both the short and long term.
{"title":"Factors of FDI and their Impact on the Moroccan Economy: An Empirical Investigation Using the ARDL Approach","authors":"Anass Arbia, Khalid Sobhi, Mohamed Karim","doi":"10.5539/ijef.v15n10p32","DOIUrl":"https://doi.org/10.5539/ijef.v15n10p32","url":null,"abstract":"Foreign direct investment (FDI) has gained importance in recent years as an essential component of economic growth. This work has a dual focus: on the one hand, it aims to identify the main determinants of FDI in Morocco, and on the other, it attempts to measure the effect of FDI on the Moroccan economy over the period 1990-2020. We have adopted an approach using the Autoregressive Staggered Lag (ARDL) model, as proposed by Pesaran et al. (2001). The main findings of this study indicate that high economic performance, well-trained human capital, economic stability, market size, and trade openness are the main determinants of FDI. FDI has a positive and significant effect on the Moroccan economy in both the short and long term.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"37 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-09-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83542929","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper examines the concept of economic sustainability in the business context, specifically focusing on how businesses can meet their present needs without compromising future generations’ ability to meet their own needs. We explore definitions of economic sustainability, its historical evolution, implementation in business practice, associated challenges, and implications for future generations. The findings indicate that while economic sustainability is increasingly recognised as crucial in business, challenges related to short-termism and lack of awareness persist. The paper concludes by identifying gaps in the current literature and suggesting potential directions for future research. This review contributes to a deeper understanding of economic sustainability and its role in ensuring long-term business success and intergenerational equity.
{"title":"Economic Sustainability: Meeting Needs without Compromising Future Generations","authors":"Mahmoud Elsawy, Marwan Youssef","doi":"10.5539/ijef.v15n10p23","DOIUrl":"https://doi.org/10.5539/ijef.v15n10p23","url":null,"abstract":"This paper examines the concept of economic sustainability in the business context, specifically focusing on how businesses can meet their present needs without compromising future generations’ ability to meet their own needs. We explore definitions of economic sustainability, its historical evolution, implementation in business practice, associated challenges, and implications for future generations. The findings indicate that while economic sustainability is increasingly recognised as crucial in business, challenges related to short-termism and lack of awareness persist. The paper concludes by identifying gaps in the current literature and suggesting potential directions for future research. This review contributes to a deeper understanding of economic sustainability and its role in ensuring long-term business success and intergenerational equity.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"4 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-09-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78882099","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper examines the influence of board informal hierarchy on corporate financial restatement behavior. Taking enterprises listed in Shenzhen and Shanghai A-share markets as the research sample, the paper examines the influence of board informal hierarchy on corporate financial restatement behavior and also explores the regulating effects of three situational factors: board size, number of board meetings, board performance pressure. The results show that: The clearer the board informal hierarchy, the more it will inhibit the financial restatement behavior of firms. Meanwhile, board size negatively moderates the relationship between board informal hierarchy and financial restatement behavior; while the number of board meetings positively moderates the relationship between board informal hierarchy and financial restatement behavior; and board performance pressure negatively moderates the relationship between board informal hierarchy and corporate finance.
{"title":"Research on the Influence of Board Informal Hierarchy on Corporate Financial Restatement Behavior","authors":"Ning Wang, Xinzhuo Zhao, Huizhong Su, Puxin Zhang","doi":"10.5539/ijef.v15n10p1","DOIUrl":"https://doi.org/10.5539/ijef.v15n10p1","url":null,"abstract":"This paper examines the influence of board informal hierarchy on corporate financial restatement behavior. Taking enterprises listed in Shenzhen and Shanghai A-share markets as the research sample, the paper examines the influence of board informal hierarchy on corporate financial restatement behavior and also explores the regulating effects of three situational factors: board size, number of board meetings, board performance pressure. The results show that: The clearer the board informal hierarchy, the more it will inhibit the financial restatement behavior of firms. Meanwhile, board size negatively moderates the relationship between board informal hierarchy and financial restatement behavior; while the number of board meetings positively moderates the relationship between board informal hierarchy and financial restatement behavior; and board performance pressure negatively moderates the relationship between board informal hierarchy and corporate finance.","PeriodicalId":37166,"journal":{"name":"International Journal of Economics and Finance Studies","volume":"28 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-08-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84603044","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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