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An Investigation of Client Evaluation of Banking Service Quality in Iraq Banking Business 伊拉克银行业务客户对银行服务质量评价的调查
Pub Date : 2021-04-09 DOI: 10.47750/cibg.2021.27.03.320
S. Hashem
This study is a comprehensive analysis that aims to access and explain the preferences and perceptions of customers of service quality in Iraq banking and then define the aspects of service quality that lead to the perception of customer service quality in Iraq's banking industry. Customers of universal banks in Iraq were the target demographic of the study. In all 100 universal banks customers, the study was chosen. Reliability, responsiveness, and empathy are three most significant in determining the efficiency of universal banks in Iraq, according to the report. Customers have poor expectations of the overall service levels of universal banks. However, consumers' understanding of the physical dimensions of excellence and durability was found to be the perceptions of customers. The results of the study have shown that the empathy factor is the most influent aspect that determines consumers' understanding of overall service quality. Context factors such as gender, age, income level, and academic skills were found to affect consumer understanding and experience of quality of service. Empathy should be put greater importance since it is found to be the most important aspect of the overall perception of service quality by customers of universal banks in Iraq. Policymakers of universal banks can control the context characteristics of consumers when designing policies to increase quality of service. Future analysis is urged to carry out a cross-country comparison and to compare the findings of the current study in other African countries.
本研究是一项综合分析,旨在获取和解释伊拉克银行业客户对服务质量的偏好和看法,然后定义导致伊拉克银行业客户服务质量感知的服务质量方面。伊拉克全能银行的客户是这项研究的目标人群。在所有100家全能银行的客户中,这项研究被选中。报告称,可靠性、反应能力和同理心是决定伊拉克全能银行效率的三个最重要因素。客户对全能银行的整体服务水平期望不高。然而,消费者对卓越和耐用的物理维度的理解被发现是客户的感知。研究结果表明,移情因素是决定消费者对整体服务质量理解的最具影响力的方面。背景因素如性别、年龄、收入水平和学术技能会影响消费者对服务质量的理解和体验。同理心应该得到更大的重视,因为它被发现是伊拉克全能银行客户对服务质量整体感知的最重要方面。全能银行的政策制定者在制定政策时可以控制消费者的语境特征,从而提高服务质量。敦促今后的分析进行跨国比较,并将目前的研究结果与其他非洲国家进行比较。
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引用次数: 0
Talent Management and Employee Retention Practices: A Systematic Literature Review and Future Agenda 人才管理和员工保留实践:系统的文献回顾和未来议程
Pub Date : 2021-04-09 DOI: 10.47750/cibg.2021.27.03.348
Priyanka Panday, G. Kaur
: Management has been creating a lot of buzz and gaining significant consideration from the practitioners in the last decade. Though, the academic circle is full of literature on existing work related to talent management and employee retention. The objective of this research paper is to systematically present the existing body of knowledge to set the agenda for the future scope of the study. This paper uses the methodology of (Junior et al. 2010; Seuring, 2013).WOS database was used to find the published article between 2011 -2017. The findings revealed that studies are talking in the same line and themes are not diverse in nature. The same idea is being repeated, so there is a need to giving a new perspective and direction to talent management studies. Many conceptual studies are yet not tested and approved for generalization, in such cases, empirical studies can play a major role in setting up further scope of the study. Furthermore, manufacturing industries and developing countries can be in the spotlight in order to fulfill the current gap in talent management and employee retention-related practices.
在过去的十年里,管理已经创造了很多嗡嗡声,并从从业者那里获得了重要的考虑。然而,学术界对现有的人才管理和员工保留相关工作的研究文献却很多。本研究论文的目的是系统地呈现现有的知识体系,为未来的研究范围设定议程。本文采用(Junior et al. 2010;Seuring, 2013)。使用WOS数据库查找2011 -2017年间发表的文章。研究结果表明,研究的主题是一致的,本质上没有不同。同样的想法正在被重复,因此有必要为人才管理研究提供新的视角和方向。许多概念性研究还没有经过检验和批准进行推广,在这种情况下,实证研究可以在确定进一步的研究范围方面发挥重要作用。此外,制造业和发展中国家可以成为焦点,以弥补目前在人才管理和员工保留相关实践方面的差距。
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引用次数: 1
Gender Occupational Segregation in Haryana: A District Level Analysis Based on National Classification of Occupations 哈里亚纳邦性别职业隔离:基于国家职业分类的地区层面分析
Pub Date : 2021-04-09 DOI: 10.47750/cibg.2021.27.03.341
Hemlata Sharma
This paper analyses Gender occupational segregation in Haryana using census data for National classification of occupations for 2001 and 2011. The value of Duncan’s index of dissimilarity shows that during 2001 and 2011, segregation has declined in Haryana. Both At aggregate level and at sectoral level. It declined for total, main and marginal workers in rural sector. However, in urban sector Gender occupational segregation declined for total and main workers and increased for marginal workers. Our results show that segregation is higher among main workers in rural sector and marginal workers in Urban sector. Also, segregation is higher in urban sector as compared to rural sector. Our results also show that segregation is higher among districts of Mewat, Mahendergarh and Rewari which are socially backward and is least among developed districts of Panchkula, Panipat, Gurgaon and Karnal.
本文使用2001年和2011年国家职业分类普查数据分析了哈里亚纳邦的性别职业隔离。邓肯差异指数的值显示,在2001年和2011年期间,哈里亚纳邦的种族隔离有所下降。无论是在总体水平还是在部门水平。农村部门的总工人、主要工人和边缘工人的失业率均有所下降。但是,在城市部门,所有工人和主要工人的性别职业隔离有所减少,边缘工人的性别职业隔离有所增加。我们的研究结果表明,农村部门的主要工人和城市部门的边缘工人的隔离程度更高。此外,与农村部门相比,城市部门的隔离程度更高。我们的研究结果还表明,在社会落后的梅瓦特、马亨德加尔和雷瓦里地区,隔离程度较高,而在潘切库拉、帕尼帕特、古尔冈和卡纳尔等发达地区,隔离程度最低。
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引用次数: 0
Constitutional Mechanism for The Protection of Citizens' Rights: An Anthropocentric Approach 公民权利保障的宪法机制:以人类为中心的视角
Pub Date : 2021-04-09 DOI: 10.47750/CIBG.2021.27.03.072
Ruslan B.Gandaloev, V. Grebennikov, E.Kallagov, V. Mironov, Badma V. Sangadzhiev
The purpose of the article is to study the legal nature of human rights, as well as to study the constitutional mechanism for protecting the rights of citizens (on the example of the Russian Federation). The article uses the inductive method, the method of systematic scientific analysis, as well as comparative legal and historical methods. The leading method, which is the basis for solving the problem, is to study the legal foundations and features of the implementation of the protection of citizens' rights through the use of constitutional methods and modes (tools) of legal protection. The article proved the theoretical unsolved problem of the effectiveness of the implementation of the constitutional mechanism for the protection of citizens' rights. The criticism of the classical doctrine of human rights as a scientific discourse was quite justified. Legal science needs a holistic and consistent anthropological and legal dogma of human rights, including for solving practical problems of the national legal system, in particular the Russian one, where even the constitutional text needs a human-centered interpretation.
该条的目的是研究人权的法律性质,以及研究保护公民权利的宪法机制(以俄罗斯联邦为例)。本文运用了归纳法、系统科学分析的方法以及比较法和历史学的方法。主导方法是运用宪法性的法律保护方法和模式(工具),研究公民权利保护实施的法律基础和特征,这是解决问题的基础。本文论证了公民权利保障宪法机制实施有效性的理论未解之谜。对作为科学论述的古典人权学说的批评是完全有道理的。法学需要一个完整的和一致的人权的人类学和法学教条,包括解决国家法律制度的实际问题,特别是俄罗斯,在那里,甚至宪法文本都需要以人为中心的解释。
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引用次数: 0
Assessment of Anti-Corruption Agency of Pakistan 巴基斯坦反腐败机构评估
Pub Date : 2021-04-09 DOI: 10.47750/cibg.2021.27.03.187
Dr.Samra Javed
The assessment of Pakistan’s Anti-Corruption Agency, National Accountability Bureau (NAB), is a continuation of the collaborative effort initially taken by Bhutan and currently in place in other Asia Pacific countries. This report presents an analysis of Pakistan’s policy and corruption context as well as a thorough research employing the desk review of NAB’s reports, website and other relevant resources. Besides, it also presents the qualitative analysis of the interviews conducted with relevant stakeholders. The research resulted in the assessment of NAB against the set series of indicators. The assessment is followed by a series of recommendations to NAB and other relevant stakeholders including the government officials. The assessment of NAB tested 50 indictors, drafted to assess its performance, effectiveness and competence as well as to identify its weaknesses and areas for opportunity. NAB scored high in 49 per cent of the indicators assessed, moderate in 33 per cent of the indicators assessed, and low in 18 per cent of the indicators assessed. The findings indicate that two dimensions emerge out to be strong in NAB’s assessment: its Cooperation with other Organizations and its Oversight and Accountability. NAB’s Perception of Effectiveness is its weakest dimension scoring the lowest ranking. Two sets of recommendations were formulated to improve NAB’s performance. One set of recommendations were for the Government and the other set is for NAB itself.
巴基斯坦反腐败机构国家问责局(NAB)的评估是不丹最初采取的合作努力的延续,目前在其他亚太国家也开展了合作。本报告分析了巴基斯坦的政策和腐败背景,并对国家审计局的报告、网站和其他相关资源进行了深入研究。此外,还对相关利益相关者的访谈进行了定性分析。研究结果是根据一系列指标对NAB进行了评估。评估之后,向NAB和包括政府官员在内的其他相关利益相关者提出了一系列建议。对NAB的评估测试了50份起诉书,起草这些起诉书是为了评估其业绩、效力和能力,并确定其弱点和机会领域。NAB在49%的评估指标中得分较高,33%的评估指标得分中等,18%的评估指标评分较低。调查结果表明,NAB的评估有两个方面很突出:与其他组织的合作以及监督和问责。NAB的有效性感知是其最弱的维度,得分最低。制定了两套建议,以提高NAB的绩效。其中一套建议是针对政府的,另一套则是针对NAB本身的。
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引用次数: 1
Greenwashing: Dirt is not good 洗绿:污垢不好
Pub Date : 2021-04-09 DOI: 10.47750/CIBG.2021.27.03.033
DR. Susan Mathew, DR. Vinod
: Several studies have reported the willingness of consumers to pay a premium for green products. By adopting green practices, the firm not only opens a market for environment lovers, but also arouse a sort of public sentiment among existing consumers, and also generate positive cash flow. However, given the circumstances, we cannot accept all environmental claims made by firms at face value. There have been instances where firms have been using the concept of ‘green’ with an intention to mislead the customer. They seem to have been emphasizing on the green label as a method to build a false brand image. This is known as ‘green washing’. Going by the literature, there is no dearth for studies which have examined the antecedent of green purchase behavior. However, to the best of our knowledge, studies on green washing practices followed by firms and its impact on the economy seem to be highly ignored. Accordingly, this study focuses on examining the impact of green washing on the economy. Further we also evaluate the reason why firms tend to go behind green washing and suggest ways to curb this tendency.
几项研究报告了消费者愿意为绿色产品支付额外费用的意愿。通过采用绿色实践,企业不仅为环保爱好者打开了市场,而且在现有消费者中引起了一种公众情绪,同时也产生了正的现金流。然而,鉴于目前的情况,我们不能全盘接受企业提出的所有环保主张。有一些公司一直在使用“绿色”的概念,意图误导客户。他们似乎一直强调绿色标签是一种建立虚假品牌形象的方法。这就是所谓的“绿色清洗”。从文献来看,对绿色购买行为的前因性的研究并不缺乏。然而,据我们所知,对企业所遵循的绿色洗涤实践及其对经济的影响的研究似乎被高度忽视。因此,本研究的重点是考察绿色洗涤对经济的影响。此外,我们还评估了企业倾向于绿色洗涤背后的原因,并提出了遏制这种趋势的方法。
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引用次数: 0
Innovative development of the energy service enterprise as an object of management 以能源服务企业创新发展为管理对象
Pub Date : 2021-04-09 DOI: 10.47750/CIBG.2021.27.03.034
V. Brych, V. Kupchak, O. Borysiak, Oksana Huhul, Nataliya Halysh, T. Fursa, M. Sokol
The understanding of the peculiarities of innovations and innovative development of the energy service enterprise has been outlined in the article. The essence of the concept of "innovation" has been determined. To improve approaches to innovative development of the enterprise, it has been proposed to consider innovation as a result (product, process, service). This article is aimed at solving the problems of the energy service market, in particular the management of enterprises that provide production processes in the power industry to improve the technical equipment of labor, the rational organization of the workplace. The article presents the features of the formation of energy efficiency management strategy of enterprises using a comprehensive assessment of the internal and external environment based on sustainable development and practical approach combined with a comprehensive interpretation of the concept of energy efficiency management strategy of enterprises. The study takes into account the specificity through the emphasis on the system of areas (directions) to be managed in the framework of strategic management and provides references to the main characteristics associated with existing approaches to target effects and systemic, comprehensive approach to strategic management in this sphere. A significant role is given to human resources in the mechanism of stimulating and motivating the energy efficiency of the enterprise, which is manifested in situations when the production process is energy-consuming or when the enterprise is a supplier of energy resources. It is in such areas of activity that every employee, regardless of management level, must understand the reasons for specific management actions, how their result will affect the results of work, and what will be the reward for it.
文章概述了对能源服务企业创新和创新发展特点的认识。“创新”概念的本质已经确定。为了改进企业创新发展的方法,有人建议将创新视为结果(产品、流程、服务)。本文旨在解决能源服务市场的问题,特别是电力行业提供生产工艺的企业的管理问题,以改进劳动力的技术装备,合理组织工作场所。文章运用基于可持续发展的内外部环境综合评价和实践方法,结合对企业能效管理战略概念的全面解读,提出了企业能效管理策略形成的特点。该研究通过强调在战略管理框架内管理的领域(方向)系统,考虑到了这一特殊性,并参考了与实现目标效果的现有方法和这一领域战略管理的系统、全面方法相关的主要特征。人力资源在激励和激励企业能源效率的机制中发挥着重要作用,表现在生产过程耗能或企业是能源资源供应商的情况下。正是在这样的活动领域,每一位员工,无论管理水平如何,都必须了解具体管理行动的原因,他们的结果将如何影响工作结果,以及回报是什么。
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引用次数: 0
A Survey of Default Risk Methodologies for Equity Pricing with a Focus on Advances in the Field of Default Risk Assessment and Equity Pricing in Pakistan 股权定价的违约风险方法综述,重点关注巴基斯坦违约风险评估和股权定价领域的进展
Pub Date : 2021-04-09 DOI: 10.47750/CIBG.2021.27.03.012
Jamil Ahmed, J. A. Khilji
The aim of this study is to review the default risk modelling literature from the perspective of Pakistan, where an effort has been put to cover the three classes of such models i.e. Accounting, Structural and Logit based hazard models. As per review it is very clear that the first two modelling techniques are extensively employed in Pakistan with Z-Score and KMV Merton model as commonly used estimation technique. Hazard models are the least used due to data issues, as for majority of delisted firms’ data is not available in data services like Thomson Reuters Eikon and Bloomberg before 2000 and even local data sources like Pakistan Stock Exchange is not of much help. Due to the reason Hazard Models are least employed for default risk estimation in Pakistan along with neural network models being most neglected one with only one paper in 2020. The review helps in identifying the gaps in this area of study, which include identification of models for future research and data issues in Pakistan along with equity pricing implications.
本研究的目的是从巴基斯坦的角度审查违约风险建模文献,巴基斯坦已努力涵盖三类此类模型,即基于会计、结构和Logit的风险模型。根据审查,很明显,前两种建模技术在巴基斯坦广泛使用,Z-Score和KMV-Merton模型是常用的估计技术。由于数据问题,风险模型的使用最少,因为大多数退市公司的数据在2000年之前都无法在汤森路透和彭博社等数据服务中获得,甚至巴基斯坦证券交易所等当地数据来源也没有多大帮助。由于这个原因,在巴基斯坦,风险模型在违约风险估计中的应用最少,而神经网络模型在2020年只有一篇论文被最为忽视。该审查有助于确定这一研究领域的差距,其中包括确定巴基斯坦未来研究的模型和数据问题,以及股权定价影响。
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引用次数: 0
A Comparative Analysis Of Performance Of Power Supply Companies In The Duopoly Market Of Mumbai Region 孟买地区双寡头市场供电企业绩效比较分析
Pub Date : 2021-04-09 DOI: 10.47750/cibg.2021.27.04.038
Cma Dr. Kinnarry Thakkar, Pankaj Dayanand Pandagale
: Power distribution system acts as a bridge between the customers and the utility. With changing times, the consumer’s expectation is not power supply to them but a reliable and quality power supply with timely redressal of complaints. With the advent of IT and mobile technologies changing our lives, consumers expect the utilities with accurate metering and billing free from any errors with facilities like online payment of bills and from mobile applications. Deregulated market operations are adopted by the major electric power utilities throughout the world because of the restricting process occurring rapidly. The only purpose to have stiff competition in the market of power sector is to increase the efficiency and productivity of the firms and at the same time to reduce the overall cost of the electricity and the simultaneous burden on the consumers. There is a constant need for generation, transmission and distribution of the electricity because this energy cannot be stored in large quantity or for a long period of time. Choosing between the parameters, continuous supply of electricity is given due preference over cost of the electrical energy. The deregulated structure has been adopted by the power firms in the nation just to meet the growing need of the power in the nation. There is a need for the formulation of the pool operating and system operating agencies to accommodate the integrated approach of the deregulation in the power sector of India. i.e., is the financial and commercial capital of India. Mumbai has three electricity distribution companies (discoms)--the state-run BEST Undertaking, and the private sector companies Adani Electricity and Tata Power Company. Tata Power is also a power generator supplying a bulk of the electricity that the city consumes. Tata Power offers multiple benefits to its consumers with the most competitive and economical tariff, along with delivering excellent customer service at par with international benchmarks. crossroads and And have a towards It time to come together and plan with a long-term focus towards Mumbai's development and provide a platform to the rest of the country an example of excellence in customer centricity.
配电系统在用户和电力公司之间起着桥梁的作用。随着时代的变化,消费者所期望的不再是电力供应,而是可靠、优质的电力供应和及时的投诉解决。随着信息技术和移动技术的出现改变了我们的生活,消费者希望公用事业公司能够准确计量和计费,没有任何错误,如在线支付账单和移动应用程序。解除管制的市场运作被世界各地的主要电力公司所采用,因为限制过程发生得很快。在电力部门市场上进行激烈竞争的唯一目的是提高企业的效率和生产率,同时减少电力的总体成本和消费者的负担。电力的产生、传输和分配需要持续不断,因为这种能量不能大量储存或长时间储存。在参数选择中,电力的持续供应比电能的成本更受重视。为了满足日益增长的电力需求,我国电力企业采取了放松管制的结构。有必要制定联合经营和系统经营机构,以适应印度电力部门放松管制的综合办法。也就是说,是印度的金融和商业之都。孟买有三家配电公司(discoms)——国有的BEST企业,以及私营的阿达尼电力公司和塔塔电力公司。塔塔电力公司也是一家发电公司,为该市提供大部分电力。塔塔电力以最具竞争力和最经济的价格为消费者提供多重利益,同时提供与国际基准相当的卓越客户服务。现在是时候团结起来,为孟买的发展做长远规划,为全国其他地区提供一个平台,一个以客户为中心的卓越典范。
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引用次数: 0
The behavior of the company in the conditions of monopoly. Antitrust policy of the state. 公司在垄断条件下的行为。国家的反垄断政策。
Pub Date : 2021-04-09 DOI: 10.47750/CIBG.2021.27.03.196
Borobov Vasily Nikolaevich, Bodnaruk Nikolay Mikhailovich, Budanova Irina Mikhailovna, Golovin Vladimir Valerievich
The scientific article reveals the essence of monopoly, its types, the behavior of the company in the conditions of monopoly. The role of the state in regulating the activities of monopolies is considered. A set of measures on antimonopoly policy is proposed.
科学的文章揭示了垄断的本质、垄断的类型、垄断条件下公司的行为。考虑了国家在监管垄断活动方面的作用。提出了一套反垄断政策措施。
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引用次数: 0
期刊
Journal of Contemporary Issues in Business and Government
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