International Journal of Business and Economic Development

Micro-businesses face various difficulties in obtaining credit. Our research focuses on the demand side for credit through questionnaires addressed to 101 micro- businesses owners in a peripheral region of Israel. We have identified the existence of a market failure: micro-businesses tend to suffer from a lack of information in regard to the existence of credit funds and in regard to loan taking procedures. Many of them are unaware of their need for credit or do not know how and whom to address. We also found that the micro-business population is quite heterogeneous and is in need of tailor-made credit solutions

Change is relentless and continuous, and has become inevitable in almost every sphere of business. The FNB Namibia operates in a highly vibrant competitive environment that is influenced by external and internal change drivers, and has not been resistant to any forces of change. This study was conducted to examine the relationship between corporate culture and organisational change of FNB Namibia. In this study corporate culture is the independent variable while organisational change is the dependent variable under the investigation. The data were collected through the questionnaires distributed to the staff members of the bank. A total of 50 questionnaires were administered, 33 of the questionnaires were correctly completed and returned. The findings showed that there is a relationship between corporate culture and organisational change. The findings also showed that the dominant existing organisational culture at the bank is hierarchy culture. Even though hierarchy culture is found to be the dominant organisational culture of the bank, the findings however, further revealed that the bank has adopted all four types of organisational culture. The study also found that different types of organisational culture have different levels of perceptions towards organisational change

This paper examines the impact of job burnout on the intention to quit among the Nigerian Police. The study adopted a descriptive survey research design. Data used were collected using questionnaires administered to one hundred and fifty police officers of different ranks ranging from rank and file, inspector and senior officer that were selected using stratify random sampling technique in three divisional headquarters in Akure, Ondo state. The paper revealed that there is a significant positive relationship between job burnout and intention to quit. Besides, the study discovered that police officers experience burnout based on different biographical and personality factors and there was a positive correlation between age, level of education, years of experience, and job burnout on one hand and intention to quit on another hand. The paper concluded that effort should be made by the Police Service Commission to manage effectively those factors that cause burnout in order to make police officers have affective commitment to their job and reduce possible turnover among the police officers. Lastly, additional qualifications possessed by police officers should be a strong point in the Police promotion criteria

This study examined the buying behavior of consumers in general eco-friendly product. In this context, the relationship between consumers’ purchase behavior and environmental interests, environmental concern, the level of environmental awareness were analyzed using the survey technique on 1074 consumers on which from at the five biggest shopping center in Gaziantep. The analysis results showed that significant relationships between environmental interest, concern, sensitivity level and purchasing behavior of environmentally friendly products. According to the results if consumers’ environmental interest, concern and sensitivity levels increased, the rates of eco-friendly product purchase behavior increase accordingly

This study is an investigation of the impact of ethical concept on professional judgment in corporate financial reporting. To achieve the purpose of this study, hypothetical statements were made and a critical review of extant literature was examined. The population of the study consisted of registered professional accountants in Rivers State of Nigeria. In order to generate the necessary data for this study, a questionnaire designed in 5-point Likert-Scale was administered on 177 respondents in Rivers State. The data were analysed with the regression model. The findings of the study suggested that ethical concept measured as competence, independence confidentiality and integrity/objective has a positive significant impact on the credibility of professional judgment in financial reporting in Nigeria. Based on the discussion of our findings, it was recommended that – professional judgment in corporate financial reporting in Nigeria must be based on professional ethics; any accountant indulging in unethical conducts in exercising professional judgment should be disciplined accordingly and practicing license be withdrawn, and a regulatory authority should be instituted by accounting professional bodies in collaboration with the government to oversee and regulate the activities of professional accountants in Nigeria

This paper examines the Indonesia's textiles and its products (TPT) industry. It will highlight industrialization and sectoral changes in Indonesia since 1968. The supply chain of TPT industry, from the upstream to downstream, will be discussed. In terms of trade, TPT products always on the top ten Indonesia's non-oil exports. It is followed by identification of major clusters in the Indonesia’s TPT industry. Some key challenges in facing Indonesia’s TPT industry, in particular new competitions from abroad, will be evaluated. A special emphasis is put on assessing Indonesia’s competitiveness relative to its main competitor in the industry. The final sections discuss the impacts of the industry’s growth performance on employment and assess future prospects of the industry

This paper emphasizes the development of a computer to a medium of education. Evolution of this room-sized machine comprised a purely web-based set of tools, resources and techniques used globally by all to supplement the classroom experience. Through the advent of eLearning students are empowered to embark on active, independent learning. They can access course information and do research, all with the help of this virtual space provided by the World Wide Web. They can also enjoy peer-to-peer learning and interactions. The new learning landscape is a multichannel learning environment that can be seen as a Complex Adaptive System. For the most part, this environment is self-organizing and because of that it is difficult to predict exactly how it is all going to turn out in the next five years. But, there is no question that a major shift is taking place – a turn from instructor-centered curricula towards learner-centered searching for relevant resources of learning as needed

The aim of this paper is improve Jeddah Municipality effectiveness and efficiency through using risk index based methodology in decision making in order to develop strategies, policies, and plans to deal with city issues and problems. Risks were prioritized according to their significance in terms of likelihood, consequences, and effects in light of the municipality’s stakeholders. It is found that real estate market control by expatriate, increasing in traffic accidents, the presence of factories and workshops in the residential areas, and abandoned buildings, as well as proliferation of street vendors were the most hazards that of importance to city’s stakeholders

The effectiveness of collaborative learning (CL) on students learning and their classroom interaction as well as on preparing students for the workplace has been stressed in a lot of the literature (Saba Ayon, 2013a; Gillies, 2008; Ghaith, 2003; Abram et al., 2002; King, 2000; Johnson, et al., 1995; Shachar and Sharan, 1994; and Johnson and Johnson, 1986 among others) and (Beckman, 1990; Musa, at al., 2011) respectively. Due to these benefits, the researcher incorporates CL in her teaching strategies in two advanced ESP courses at a private Lebanese English-speaking university. However, quite a number of her students are reluctant to work collaboratively and express their preferences to her to work individually. Therefore, the researcher aims in this research study to examine (1) students attitudes towards working collaboratively and (2) students perceptions of the effectiveness of CL on (a) their learning as well as (b) their acquisition of essential skills required in the workplace such as problem-solving, teamwork, flexibility, and tolerance. The researcher employs a mixed-method approach and uses different data-collection methods. The findings, which are analyzed quantitatively and qualitatively, reveal that most participants have a positive attitude towards CL. However, past negative experiences with CL, poor group dynamics, and absence of instructor’s support contributes to students negative disposition towards CL. Besides, the participants perceive CL a

The topic of this study is on marketing research as a proactive strategy for the performance of contemporary businesses. The main problem that necessitated the conduct of this study is that most businesses including manufacturing companies in Nigeria pay little attention to marketing research. To solve this research problem, questions were formulated in questionnaires and administered to 967 respondents in the sampled cities in Nigeria. The statistical model for the test of the hypothesis formulated was Analysis of variance (ANOVA). The major findings of the study indicate that it is important and necessary that companies and businesses carryout frequent marketing research. Over the years little attention is given to marketing research, based on most companies not having functional marketing department or unit that perform this task. Moreover, other activities are devoid of marketing research hence it is relegated in most companies budget. But the study clearly shows that the benefit of this exercise is enormous and the demerits are quite detrimental to any company or business firm. Furthermore, poor statistical data, illiteracy, uncompromising attitude of buyers, few research experts and myopic assumption held by some producers fault the work of marketing researchers. It is concluded and recommended that every company’s effort should be geared towards conducting marketing research. Thus, this can be achieved if the necessary funds and enablement is guaranteed by company.

Since the eruption of 2011 Revolution the Egyptian economy is suffering its worst economic crisis. Indeed, Egypt has experienced a drastic fall in both foreign investment and tourism revenues, followed by a 60% drop in in foreign exchange reserves, a 3% drop in growth and a rapid devaluation of the Egyptian currency. Generally, the country is facing a series flaw in the performance of the productive sector, which affects the economic performance of the country as a whole. Therefore, major reforms should be undertaken to restore stability, restore tourism and restore confidence of investors. Moreover, there is growing recognition worldwide among policy- makers and private sector decision- makers the current economic growth is socially, environmentally and economically unsustainable. This has motivated international community to make a committed transition towards a green economy. Since 2011, Egypt is taking steady steps to adapt Green Transformation Strategy. This strategy embraces many of the principles and objectives of green economy. Therefore, this research focus mainly on Egyptian tourism in the green economy and how investing in the greening of tourism can reduce the cost of energy, water, and waste and enhance the value of ecosystems and cultural heritage. This research analyses how the concept of green economy is perceived in Egypt. It aims to explore the massive transformation process needed. These two questions will be answered using Delphi technique. The research co