This study examined the relationship between five dimensions of corporate social responsibility (CSR) (social, ethical, legal, environmental, technological) and competitive advantage in the Jordanian commercial banking sector. A survey of 206 employees across five commercial banks was conducted. Regression analysis found that 40.4% of the variance in competitive advantage is explained by changes in the CSR dimensions. Specifically, the legal, environmental, and technological dimensions had a statistically significant positive impact on competitive advantage, while the social and ethical dimensions did not. The findings suggest banks could improve competitive advantage by focusing CSR efforts on legal, environmental, and technological responsibilities.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
An Empirical Study on the Mediating Effect of E-Service Recovery Satisfaction...iosrjce
In the era of Internet and the accelerating rate of using the e-context as a marketing tool by wide
range of companies, customer retention becomes a crucial element in firm’s survival. Losing customers to
competitors in e-context is a constant threat as it is a click away .The current study aims at at investigating the
influence of five customer factors namely; E-Trust, Prior Experience, Customer’s Perception of Feedback, ELoyalty
and Digital Awareness on Customer Retention. The study has investigated whether E-Service Recovery
Satisfaction (E-SRS) has a mediating role on these relations in Airline Industry in Malaysia. A questionnaire is
designed as a data collection tool. The unit of analysis is Malaysian passengers who used the local Airlines and
faced a service failure. Sequential Equation Modeling is employed to analyze the data collected using closedended
multiple choice questionnaire.
Determinants Of Customer Participation In Online Shoppinginventionjournals
This research aims to examine and explain the determinants of customer participation in online shopping.The approach of Partial Least Square (PLS) with Smart PLS software is employed in this study to analyze cross section data and prove the hypotheses proposed in the research. The sample of the study includes students of Mulawarman University who used to do online shopping. The participants were recruited through snowball technique.This study shows that only five of the nine hypotheses are supported; the other four are not supported or accept Ha and reject H0. The construct of the ability of vendor has a positive effect on trust, but not significant. Furthermore, the ability has a significant negative effect on transaction-perceived risk. The ability to influence vendor participation in online shopping has no significant effect, while experience has a significant positive effect on trust. On the other hand, experience has a significant negative effect on transaction-perceived risk. Experience has a significant positive effect on online shopping participation. Trust has a significant negative effect on transaction-perceived risk; however, it has a positive influence on online shopping participation, yet not significant. Last, perceived-transaction risk has an insignificant positive effect on online shopping participation
Electronic Customer Relationship Management and Consumer Behaviour (A Study o...IJRTEMJOURNAL
The study focuses on electronic customer relationship management and consumer behavior with
special emphasis on diamond bank Plc. Retail financial services in all markets, including emerging markets, are
undergoing major transformation that is driven by change, deregulation and customer sophistication. Electronic
Customer service and specifically online customer relationship management in particular is crucial to attaining
a sustainable competitive advantage, in the market place. The main objective of the study is to examine the effect
of electronic customer relationship management on customer patronage. A survey design was adopted for the
study and one hundred and ninety copies of structured questionnaire were used as primary data collection
instrument which was distributed to customers of diamond bank in the study area. However, the postulated
hypotheses were tested by employing the Pearson product moment Correlation Coefficient (PPMCC) statistical
tool which was facilitated by the statistical packages for social sciences (SPSS). The study however showed that
a significant relationship exists between e-CRM and consumer behavior. Furthermore, it was found that amongst
the dimensions of e-CRM, e-commitment and e-satisfaction impacts more significantly on customer patronage.
The study therefore concludes that Nigerian money deposit banks should increase their electronic platform
strategies since they commensurably impact on their level of customer patronage. However, the study
recommended that the key to efficient performance of Nigeria banking industry is hinged on their ability to
identify, attract, retain and develop their customers better than competitors and could be achieved by improved
e-trust, e-commitment and e-satisfaction. Limitation and suggestion for further studies was given.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
An Empirical Study on the Mediating Effect of E-Service Recovery Satisfaction...iosrjce
In the era of Internet and the accelerating rate of using the e-context as a marketing tool by wide
range of companies, customer retention becomes a crucial element in firm’s survival. Losing customers to
competitors in e-context is a constant threat as it is a click away .The current study aims at at investigating the
influence of five customer factors namely; E-Trust, Prior Experience, Customer’s Perception of Feedback, ELoyalty
and Digital Awareness on Customer Retention. The study has investigated whether E-Service Recovery
Satisfaction (E-SRS) has a mediating role on these relations in Airline Industry in Malaysia. A questionnaire is
designed as a data collection tool. The unit of analysis is Malaysian passengers who used the local Airlines and
faced a service failure. Sequential Equation Modeling is employed to analyze the data collected using closedended
multiple choice questionnaire.
Determinants Of Customer Participation In Online Shoppinginventionjournals
This research aims to examine and explain the determinants of customer participation in online shopping.The approach of Partial Least Square (PLS) with Smart PLS software is employed in this study to analyze cross section data and prove the hypotheses proposed in the research. The sample of the study includes students of Mulawarman University who used to do online shopping. The participants were recruited through snowball technique.This study shows that only five of the nine hypotheses are supported; the other four are not supported or accept Ha and reject H0. The construct of the ability of vendor has a positive effect on trust, but not significant. Furthermore, the ability has a significant negative effect on transaction-perceived risk. The ability to influence vendor participation in online shopping has no significant effect, while experience has a significant positive effect on trust. On the other hand, experience has a significant negative effect on transaction-perceived risk. Experience has a significant positive effect on online shopping participation. Trust has a significant negative effect on transaction-perceived risk; however, it has a positive influence on online shopping participation, yet not significant. Last, perceived-transaction risk has an insignificant positive effect on online shopping participation
Electronic Customer Relationship Management and Consumer Behaviour (A Study o...IJRTEMJOURNAL
The study focuses on electronic customer relationship management and consumer behavior with
special emphasis on diamond bank Plc. Retail financial services in all markets, including emerging markets, are
undergoing major transformation that is driven by change, deregulation and customer sophistication. Electronic
Customer service and specifically online customer relationship management in particular is crucial to attaining
a sustainable competitive advantage, in the market place. The main objective of the study is to examine the effect
of electronic customer relationship management on customer patronage. A survey design was adopted for the
study and one hundred and ninety copies of structured questionnaire were used as primary data collection
instrument which was distributed to customers of diamond bank in the study area. However, the postulated
hypotheses were tested by employing the Pearson product moment Correlation Coefficient (PPMCC) statistical
tool which was facilitated by the statistical packages for social sciences (SPSS). The study however showed that
a significant relationship exists between e-CRM and consumer behavior. Furthermore, it was found that amongst
the dimensions of e-CRM, e-commitment and e-satisfaction impacts more significantly on customer patronage.
The study therefore concludes that Nigerian money deposit banks should increase their electronic platform
strategies since they commensurably impact on their level of customer patronage. However, the study
recommended that the key to efficient performance of Nigeria banking industry is hinged on their ability to
identify, attract, retain and develop their customers better than competitors and could be achieved by improved
e-trust, e-commitment and e-satisfaction. Limitation and suggestion for further studies was given.
Impact of Web Advertisement on Customers Perception - A Case of Banking Sectorscmsnoida5
Nowadays a lot of innovative services are
offered by the financial service providers to their
customers. The use of more innovation in the
financial sector is the resultant of the day by day
advancement in the technology. Also customer
of today is well aware of the latest technology
and they demand their providers to execute
the technology for business prospective. Target
of all financial service providers’ advertisers
is to reach maximum customers. For this they
utilize every promotional and advertisement
channel so as to reach and inform maximum
public about their products. The purpose of
present study is to determine impact of web
advertisement on customer perception in case of
banking sector. The data will be collected from
200 approx respondents who are aware of the
web advertisements. The collected data will be
put in the Statistical Package for Social Sciences
(SPSS). Afterwards the regression analysis and
correlation analysis will be applied in order to
determine the impact of the web advertisement
on the purchase intention of the customers in
regards to the banking and investment products.
Predicting Corporate Failure - An Application of Discriminate Analysisscmsnoida5
Corporate failure is a serious problem being
confronted by the corporate world. This issue
has been a subject of intensive research and
discussion by economists, bankers, creditors,
equity shareholders, accountants, marketing
and management experts. The present study
aims at developing a model for prediction
of corporate failure on the basis of financial
ratios. The study is based on the data of
selected firms from chemical industry (with
equal number of failed and non failed firms).
The discriminant analysis has been used to
discriminate between failed and non failed
firms. It is concluded that some of the
financial ratios can significantly differentiate
between failed and non failed firms. The
finding will be useful for the banks and other
financial institutions in designing a suitable
credit appraisal and monitoring system for their
loans. This model could guide the policy makers
to prepare an early warning system to avoid
bankruptcy.
A STUDY ON PERCEPTION OF INTERNET BANKING USERS SERVICE QUALITY - A STRUCTURA...IAEME Publication
The purpose of the study is to identify the perceptions of Internet banking (IB) users in Tamil Nadu using technology acceptance model (TAM) by incorporating service quality as external variable. The study found that both the TAM variables – perceived ease of use (PEOU) and perceived usefulness (PU). A total of 380 questionnaires were distributed for internet banking customers and 336 were returned (resulting 88.42 percentage of response rate). The results confirm that the all six dimensions (Website attribute, Reliability, Responsiveness, Fulfillment, Efficiency and Privacy) are distinct constructs. The results also indicate that internet banking service quality consisting of six dimensions has appropriate reliability and each dimension has a significant relationship with internet banking service quality. The efficiency of banking website is the important aspect of internet banking service quality. The finding found that the relationship between internet banking service quality, perceived ease of use and perceived usefulness are significant. This study proposes a model to understand the effect of internet banking service quality on perceived ease of use and perceived usefulness in developing country. The constructs truly reflect the dynamism of customers’ banking relationship and a better understanding the attitude on internet banking will help the bankers in implementing more effective marketing strategies.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
Conceptualizing a Model for Online Shopping Intension: A Literature ReviewIJLT EMAS
- Internet marketing and online shopping have opened
the gates not only for big, small and medium enterprises (SMEs),
it has created immense opportunities for startups of India, to
market their products (both goods and services) globally. But
though there is significant development of the internet
technologies, internet facilities and services, still the online sale is
not significant compared to the sale through retail. Hence, this
study is undertaken to find the factors that will improve online
sales. The literature available in the internet is reviewed to
understand and find the influencing factors for online shopping.
The findings are that there are two major categories of
influencing factors, namely motivating and restricting factors,
which affects the customers’ intension to use online shopping for
purchase. Based on these findings a model has been
conceptualized. In the proposed model, the construct variables
are motivating factors and restricting factors and the dependent
variable is intension to buy online.
This research aims to study consumer’s behavior on buying online car casualty insurance. The sample group was 400 respondents which were selected by convenience sampling method. Questionnaires were used as a research instrument while chi square was used as a statistical tool for the hypothesis testing.The research revealed two major findings which were 1)there were significant differences between customer’s technological acceptance and consumer’s behavior on buying online car casualty insurance and 2) there were significant differences between customer’s trust and consumer’s behavior as well.
Customers perception of m banking adoption in kingdom of bahrainIJMIT JOURNAL
Mobile applications have been rapidly changing the way business organizations deliver their services to
their customers and how customers can interact with their service providers in order to satisfy their needs.
The use of mobile applications increases rapidly, and has been used in many segments including banking segment. This research aims at extending the Technology Adoption Model (TAM) to incorporate the role of factors in influencing customer’s perception towards M-banking adoption. Furthermore, the extended TAM
model was evaluated empirically to measure its impact on M-banking adoption in of Bahrain. The model
was evaluated using a sample survey of 372 customers. The results reveal that the intention to adopt mobile
banking is mainly affected by specific factors which are: Perceived Usefulness and Ease of Use. On the
other hand, some factors such as perceived cost and perceived risk did not show any affect on the users'
intention to use mobile banking. The result of this research is beneficial for banking service managers to consider the factors that can enforce the Mobile Banking services adoption and increase the take-up of their mobile services.
Customers perception of m banking adoption in of bahrain an empirical assess...IJMIT JOURNAL
Mobile applications have been rapidly changing the way business organizations deliver their services to
their customers and how customers can interact with their service providers in order to satisfy their needs.
The use of mobile applications increases rapidly, and has been used in many segments including banking
segment. This research aims at extending the Technology Adoption Model (TAM) to incorporate the role of
factors in influencing customer’s perception towards M-banking adoption. Furthermore, the extended TAM
model was evaluated empirically to measure its impact on M-banking adoption in of Bahrain. The model
was evaluated using a sample survey of 372 customers. The results reveal that the intention to adopt mobile
banking is mainly affected by specific factors which are: Perceived Usefulness and Ease of Use. On the
other hand, some factors such as perceived cost and perceived risk did not show any affect on the users'
intention to use mobile banking. The result of this research is beneficial for banking service managers to
consider the factors that can enforce the Mobile Banking services adoption and increase the take-up of
their mobile services.
Purchase Decision Analysis Marketing Mix (Case Study Mandiri E-Cash Transacti...inventionjournals
PT. Bank Mandiri experiencing some problems that the level of use of Mandiri e-Cash Registered and Unregistered who have too big difference. The problems are caused by factors of product, price, promotion, distribution channels in the decision Mandiri e-Cash. This study aims to determine the effect of marketing mix on purchase decisions in Mandiri e-Cash Transaction Banking Retail Group. The study used quantitative methods using a type of survey, data collection methods with questionnaires. The population in this study are all users of Mandirie-Cash both Registered and Unregistered much as 302.435 which consists of the Mandiri e-Cash Registered and Unregistered 36.462 and 265.973 number. Probability sampling technique with Slovin formula obtained a sample of 399.39 or 400 respondents. Data were analyzed using SEM (The Structural Equation Model). The results showed that the products and distribution channels are not significantly influence the purchasing decision. Prices and promotions influence on purchase decisions Mandiri e-Cash.
Acceptance of Online Shopping in Bangladesh: Consumer’s Perspectiveiosrjce
Online shopping is a well-known phenomenon around the world. Bangladesh is not so far behind. A
good number of online shopsare getting launched. This study explores the acceptance of online shopping in
Bangladesh from consumer’s perspective. The present scenarios and behaviors among the internet users of
Bangladesh are presented in the study. The reasons and inhibitions are also analyzed. Online shopping is in a
race with traditional shopping. Which one is winning in the current scenario, it has also been disclosed in this
paper. A recommendation to the online shop owners has also been given at the end of this study.
An Analysis of Customer Awareness Level of Mobile Commerce Applications for B...inventionjournals
As more and more mobile devices, such as smart phones and tablets have become more pervasive and affordable, The demand for mobile commerce have been increased and it has become the hottest issue of present scenario in the developing countries like India. The demands for business to consumer’s applications of mobile commerce have been increasing with the number of increasing customer base for mobile companies. This study is conducted to find out the customers awareness about M-commerce applications for B2C operations and the reason for opting these Applications, thus this study is carried out in Semi Urban/Towns of Uttar Pradesh. These objectives are achieved by circulating a set of schedule to examine the awareness and usage of M-commerce B2C application by the customers of Semi urban areas of Western Uttar Pradesh.
Corporate Social Responsibility and Profitability in the Banking Sector: The ...Dr. Amarjeet Singh
In this article, we explore the relationship between corporate social responsibility and profitability with particular reference to Ethiopian financial industry. In line with this, the paper investigated the practice of corporate social responsibility and its impact on profitability in two private banks in Ethiopia. The study used two sampling phases. The first one is to sample out the two banks among the sixteen private banks operated in the country and the second phase is to select number of respondents within the selected banks. According to National Bank of Ethiopia, (NBE, 2020) annual report among the sixteen private commercial banks operated in the country, six of them were operated in the industry for more than 20 years and two banks namely Dashen and United banks were randomly selected for the study. The study used questionnaires as an instrument for data collection and the Cronbach alpha test was used to test the reliability of the instrument. Correlation analysis was carried out to identify the nature of strength and direction of the relationship between the independent variables (philanthropic, ethical, legal and economic responsibilities) and the dependent variables (profitability), regression analysis was also employed to determine the degree in which the dependent variable can be predicated or explained from the independent variables. The finding reveals that ethical, philanthropic, legal and economic responsibilities of CSR dimension have a positive and significant impact on profitability of the banks. Furthermore, the overall finding of the study suggested that CSR practice of banks has a significant impact on the level of their profitability. The study recommends that banks should improve their efforts exerted towards their CSR practice in order to enhance their profitability.
Impact of Web Advertisement on Customers Perception - A Case of Banking Sectorscmsnoida5
Nowadays a lot of innovative services are
offered by the financial service providers to their
customers. The use of more innovation in the
financial sector is the resultant of the day by day
advancement in the technology. Also customer
of today is well aware of the latest technology
and they demand their providers to execute
the technology for business prospective. Target
of all financial service providers’ advertisers
is to reach maximum customers. For this they
utilize every promotional and advertisement
channel so as to reach and inform maximum
public about their products. The purpose of
present study is to determine impact of web
advertisement on customer perception in case of
banking sector. The data will be collected from
200 approx respondents who are aware of the
web advertisements. The collected data will be
put in the Statistical Package for Social Sciences
(SPSS). Afterwards the regression analysis and
correlation analysis will be applied in order to
determine the impact of the web advertisement
on the purchase intention of the customers in
regards to the banking and investment products.
Predicting Corporate Failure - An Application of Discriminate Analysisscmsnoida5
Corporate failure is a serious problem being
confronted by the corporate world. This issue
has been a subject of intensive research and
discussion by economists, bankers, creditors,
equity shareholders, accountants, marketing
and management experts. The present study
aims at developing a model for prediction
of corporate failure on the basis of financial
ratios. The study is based on the data of
selected firms from chemical industry (with
equal number of failed and non failed firms).
The discriminant analysis has been used to
discriminate between failed and non failed
firms. It is concluded that some of the
financial ratios can significantly differentiate
between failed and non failed firms. The
finding will be useful for the banks and other
financial institutions in designing a suitable
credit appraisal and monitoring system for their
loans. This model could guide the policy makers
to prepare an early warning system to avoid
bankruptcy.
A STUDY ON PERCEPTION OF INTERNET BANKING USERS SERVICE QUALITY - A STRUCTURA...IAEME Publication
The purpose of the study is to identify the perceptions of Internet banking (IB) users in Tamil Nadu using technology acceptance model (TAM) by incorporating service quality as external variable. The study found that both the TAM variables – perceived ease of use (PEOU) and perceived usefulness (PU). A total of 380 questionnaires were distributed for internet banking customers and 336 were returned (resulting 88.42 percentage of response rate). The results confirm that the all six dimensions (Website attribute, Reliability, Responsiveness, Fulfillment, Efficiency and Privacy) are distinct constructs. The results also indicate that internet banking service quality consisting of six dimensions has appropriate reliability and each dimension has a significant relationship with internet banking service quality. The efficiency of banking website is the important aspect of internet banking service quality. The finding found that the relationship between internet banking service quality, perceived ease of use and perceived usefulness are significant. This study proposes a model to understand the effect of internet banking service quality on perceived ease of use and perceived usefulness in developing country. The constructs truly reflect the dynamism of customers’ banking relationship and a better understanding the attitude on internet banking will help the bankers in implementing more effective marketing strategies.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
Conceptualizing a Model for Online Shopping Intension: A Literature ReviewIJLT EMAS
- Internet marketing and online shopping have opened
the gates not only for big, small and medium enterprises (SMEs),
it has created immense opportunities for startups of India, to
market their products (both goods and services) globally. But
though there is significant development of the internet
technologies, internet facilities and services, still the online sale is
not significant compared to the sale through retail. Hence, this
study is undertaken to find the factors that will improve online
sales. The literature available in the internet is reviewed to
understand and find the influencing factors for online shopping.
The findings are that there are two major categories of
influencing factors, namely motivating and restricting factors,
which affects the customers’ intension to use online shopping for
purchase. Based on these findings a model has been
conceptualized. In the proposed model, the construct variables
are motivating factors and restricting factors and the dependent
variable is intension to buy online.
This research aims to study consumer’s behavior on buying online car casualty insurance. The sample group was 400 respondents which were selected by convenience sampling method. Questionnaires were used as a research instrument while chi square was used as a statistical tool for the hypothesis testing.The research revealed two major findings which were 1)there were significant differences between customer’s technological acceptance and consumer’s behavior on buying online car casualty insurance and 2) there were significant differences between customer’s trust and consumer’s behavior as well.
Customers perception of m banking adoption in kingdom of bahrainIJMIT JOURNAL
Mobile applications have been rapidly changing the way business organizations deliver their services to
their customers and how customers can interact with their service providers in order to satisfy their needs.
The use of mobile applications increases rapidly, and has been used in many segments including banking segment. This research aims at extending the Technology Adoption Model (TAM) to incorporate the role of factors in influencing customer’s perception towards M-banking adoption. Furthermore, the extended TAM
model was evaluated empirically to measure its impact on M-banking adoption in of Bahrain. The model
was evaluated using a sample survey of 372 customers. The results reveal that the intention to adopt mobile
banking is mainly affected by specific factors which are: Perceived Usefulness and Ease of Use. On the
other hand, some factors such as perceived cost and perceived risk did not show any affect on the users'
intention to use mobile banking. The result of this research is beneficial for banking service managers to consider the factors that can enforce the Mobile Banking services adoption and increase the take-up of their mobile services.
Customers perception of m banking adoption in of bahrain an empirical assess...IJMIT JOURNAL
Mobile applications have been rapidly changing the way business organizations deliver their services to
their customers and how customers can interact with their service providers in order to satisfy their needs.
The use of mobile applications increases rapidly, and has been used in many segments including banking
segment. This research aims at extending the Technology Adoption Model (TAM) to incorporate the role of
factors in influencing customer’s perception towards M-banking adoption. Furthermore, the extended TAM
model was evaluated empirically to measure its impact on M-banking adoption in of Bahrain. The model
was evaluated using a sample survey of 372 customers. The results reveal that the intention to adopt mobile
banking is mainly affected by specific factors which are: Perceived Usefulness and Ease of Use. On the
other hand, some factors such as perceived cost and perceived risk did not show any affect on the users'
intention to use mobile banking. The result of this research is beneficial for banking service managers to
consider the factors that can enforce the Mobile Banking services adoption and increase the take-up of
their mobile services.
Purchase Decision Analysis Marketing Mix (Case Study Mandiri E-Cash Transacti...inventionjournals
PT. Bank Mandiri experiencing some problems that the level of use of Mandiri e-Cash Registered and Unregistered who have too big difference. The problems are caused by factors of product, price, promotion, distribution channels in the decision Mandiri e-Cash. This study aims to determine the effect of marketing mix on purchase decisions in Mandiri e-Cash Transaction Banking Retail Group. The study used quantitative methods using a type of survey, data collection methods with questionnaires. The population in this study are all users of Mandirie-Cash both Registered and Unregistered much as 302.435 which consists of the Mandiri e-Cash Registered and Unregistered 36.462 and 265.973 number. Probability sampling technique with Slovin formula obtained a sample of 399.39 or 400 respondents. Data were analyzed using SEM (The Structural Equation Model). The results showed that the products and distribution channels are not significantly influence the purchasing decision. Prices and promotions influence on purchase decisions Mandiri e-Cash.
Acceptance of Online Shopping in Bangladesh: Consumer’s Perspectiveiosrjce
Online shopping is a well-known phenomenon around the world. Bangladesh is not so far behind. A
good number of online shopsare getting launched. This study explores the acceptance of online shopping in
Bangladesh from consumer’s perspective. The present scenarios and behaviors among the internet users of
Bangladesh are presented in the study. The reasons and inhibitions are also analyzed. Online shopping is in a
race with traditional shopping. Which one is winning in the current scenario, it has also been disclosed in this
paper. A recommendation to the online shop owners has also been given at the end of this study.
An Analysis of Customer Awareness Level of Mobile Commerce Applications for B...inventionjournals
As more and more mobile devices, such as smart phones and tablets have become more pervasive and affordable, The demand for mobile commerce have been increased and it has become the hottest issue of present scenario in the developing countries like India. The demands for business to consumer’s applications of mobile commerce have been increasing with the number of increasing customer base for mobile companies. This study is conducted to find out the customers awareness about M-commerce applications for B2C operations and the reason for opting these Applications, thus this study is carried out in Semi Urban/Towns of Uttar Pradesh. These objectives are achieved by circulating a set of schedule to examine the awareness and usage of M-commerce B2C application by the customers of Semi urban areas of Western Uttar Pradesh.
Corporate Social Responsibility and Profitability in the Banking Sector: The ...Dr. Amarjeet Singh
In this article, we explore the relationship between corporate social responsibility and profitability with particular reference to Ethiopian financial industry. In line with this, the paper investigated the practice of corporate social responsibility and its impact on profitability in two private banks in Ethiopia. The study used two sampling phases. The first one is to sample out the two banks among the sixteen private banks operated in the country and the second phase is to select number of respondents within the selected banks. According to National Bank of Ethiopia, (NBE, 2020) annual report among the sixteen private commercial banks operated in the country, six of them were operated in the industry for more than 20 years and two banks namely Dashen and United banks were randomly selected for the study. The study used questionnaires as an instrument for data collection and the Cronbach alpha test was used to test the reliability of the instrument. Correlation analysis was carried out to identify the nature of strength and direction of the relationship between the independent variables (philanthropic, ethical, legal and economic responsibilities) and the dependent variables (profitability), regression analysis was also employed to determine the degree in which the dependent variable can be predicated or explained from the independent variables. The finding reveals that ethical, philanthropic, legal and economic responsibilities of CSR dimension have a positive and significant impact on profitability of the banks. Furthermore, the overall finding of the study suggested that CSR practice of banks has a significant impact on the level of their profitability. The study recommends that banks should improve their efforts exerted towards their CSR practice in order to enhance their profitability.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
Sugarcane Company’s performance has remained to be one of the challenging facts in the growing companies in Kenya today. The delays in harvesting operations are attributed to uncoordinated and unpredictable harvesting and transport schedules; and inefficiencies in mill operations. Therefore, the main aim of the study is to determine the influence of Sustainability Management Systems CSR on firm performance of selected sugarcane companies in Kenya. The study is guided by Corporate Social Performance Theory. This study used ex- post facto research design. Ex- post facto research design determines and reports the way things are. The target population was 528 employees. This study therefore sampled 228 respondents. Purposive sampling technique was used to select 10 managers, 24 supervisors, 38 accountants and 156 clerks from the 7 sugarcane companies because they have specific information concerning the effects of corporate social responsibility practice on firm performance of selected sugarcane companies in Kenya. Pilot study was done in order to test for validity and reliability of the research tools. The pilot study was done in Trans-Mara Sugar Company found in rift Valley region of Kenya. For inferential statistics, correlation and multiple regression was used for comparative analysis between frequencies of corporate social responsibility practice on firm performance. The study findings indicated that sustainability management systems have an effect on firm performance. The government will use this study in establishing policies that would ensure improvement in firm performance of sugarcane processing firms among other firms in Kenya. The study recommends that the companies should encourage sustainability management systems since sustainable management systems is an important mechanism for improving corporate sustainability performance. It can generate business value through measurement and management of sustainability risks and opportunities. The study recommends further researchers to study on corporate social responsibility strategy and financial performance of firms in Kenya which the study didn’t cover.
Corporate Social Responsibility Model Based On “Tri Hita Karana” Cultureinventionjournals
This research was conducted with the background of the CSR activities that are usually done by the company including the BPR industry. So far, CSR has not been adjusted to the values of local wisdom. One of the values of local wisdom in Bali that can be adopted by companies is the cultural value THK. Therefore, this study has the objective to explain the model of CSR-based cultural values THK. This study used a qualitative approach using key informants are stakeholders of the BPR industry, consisting of: the director of BPR, BPR commissioner, banking analyst, cultural experts, and academics. The number of informants there are as many as 15 people. The results showed that the BPR in Bali has implemented CSR activities such as: providing funding punia to pretend, to invite employees to tirta yatra, took off in the days of Hinduism, planting trees, using conditioned taste, using office facilities friendly environment, provide a decent salary, give a reasonable interest rate, giving social assistance to orphanages / nursing, until there doing house renovation. The various CSR activities when combined with cultural concepts THK then be grouped into parahyanganbased CSR, CSR-based pawongan, and CSR-based palemahan. All this THK-based CSR activities have a positive impact for all stakeholders BPR industry in Bali, such as: maintenance of harmonious relations with the BPR employees, customers and the surrounding community, the preservation of the natural environment is good, and the increased performance of BPR.
Stakeholder pressures created the legal implications to the companies for the CSR activities and its reporting. CSR is gaining the importance in the field of research. The aim of the study is to provide the review of the development in the field of CSR. The analysis is carried out to understand the areas of the researches in CSR. In total 95 studies from various countries are selected. It is carried out by explaining various studies in the field of CSR to know the definition, the areas of researches and research methods used.
A Corporate Social Responsibility, generally noted by “CSR”, refers to a corporation's initiatives to assess and take responsibility for the company's effects on environmental and social well-being. It generally applies to efforts that go beyond what may be required by regulators or environmental protection groups. Governments seeking to advance sustainable development are increasingly turning to policies and strategies that encourage, support, mandate, or directly demonstrate more socially and environmentally sound business practices. A central component of these policies involves promoting increased transparency of economic activities.
The Corporate Social Responsibility Strategies and Activities Employed By the...iosrjce
Corporate social responsibility (CSR) playa an increasingly important role in business success
today, and economic, political, and social factors are shaping CSR strategies around the world. Approached
strategically, CSR has the potential to generate opportunity, innovation and competitive advantage for
organizations while solving pressing social problems. The study explored the effectiveness of CSR strategies on
organizational performance by ascertaining whether responsibility towards primary stakeholders influences the
financial and non-financial performance of commercial banks. The author focused on the Equity Bank in Kenya.
Content analysis of the Bank’s financial reports between the years 2006 and 2012 was done to ascertain the
relationship between CSR and performance of the Bank. The establishment of EGF, a fully fledged subsidiary of
Equity Bank, to handle all aspects of social responsibility for the Bank is a clear attestation of how important
and serious the institution considers CSR in their day-to-day operations. The categorization of the CSR
strategies into thematic areas showed that, to the Eank, social responsibility is not just a philanthropic deed to
society but a strategic tool for furtherance of business objectives, including stakeholder relationships. The study
recommended the need for organizations to be more inclusive and participatory among all the stakeholders at
all levels of implementation as well as further research to determine the level at which CSR impacts on
performance and the influence of prior organizational performance on social responsibility.
Nature conservation and technology, a new approach for financial institutions due to the Strategic importance of CSR as a factor that generate Reputation and Competitiveness
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online
With the rapid advancement of technology, the 21st century has brought us a dynamic terrain that has given rise to extremely competitive markets. In addition to spurring innovation, technological developments have also resulted in a deterioration of public confidence in the banking industry, which has been made worse by recent high-profile cases of financial misbehavior. Businesses are under increasing pressure to operate well and sustainably for the good of their clients, shareholders, and the company as a whole. These pressures range from environmental concerns to human rights violations. Organizations must outline plans in order to successfully navigate this complicated terrain and address societal needs while ensuring future success. Companies that want to compete successfully in marketplaces with cutting-edge technology must address ethical issues. Businesses must find a careful balance between financial imperatives, environmental sustainability, and respecting human rights within their strategy frameworks in an era marked by widespread corporate disobedience and non-compliance. Public fear has been exacerbated by recently reported banking scandals, which include employee dishonesty such as opening bogus accounts, market manipulation schemes, and deficiencies in compliance processes. These violations, which go unpunished for long stretches of time, highlight how urgent it is that businesses have strong corporate social responsibility policies. According to this study, businesses that actively participate in corporate social responsibility (CSR) have a higher chance of long-term success, highlighting the importance of morality and social responsibility in overcoming the difficulties presented by modern markets.
Analysis of the effects of economic corporate social responsibility on financ...inventionjournals
The purpose of this study was to analyze the effect economic corporate social responsibility on Financial performance. The study was guided by the following objectives: To analyze the effect of innovational CSR cost on financial performance, to examine the effect of social quality practices spending on financial performance ,to find out the effect of corporate entrepreneurship spending on financial performance and to examine the effect of financial literacy expenditure CSR on financial The study was guided by Stakeholders theory, Shareholder theory and Shareholder-Based Financial Performance theory. This study used quantitative research approaches. Quantitative research is generally associated. Collecting and converting data into numerical form so that statistical calculations can be made and conclusions drawn. This study will employ descriptive research design. The target population used was 100 and sampling procedure used was stratified. The study used primary (collected using questionnaires) and secondary data (trend analysis). To test the validity of the research instruments the questionnaires prepared and submitted to the supervisor and other research experts. In order to test the reliability of the instrument used in this study, the researcher used test retest method. Descriptive and inferential statistics method was used for data analysis and interpretation regression model was used to analyze the effect between variables. The study recommended that companies should ensure effective sustainability programs which include social responsibility, They should also ensure effective social programs are accomplished through cause-related marketing and corporate philanthropy, they should also create initiative which has beneficial relationship between the corporation and society, they should also should ensure corporate governance which is the framework of rules and practices by which a board of directors and embrace accountability, fairness, and transparency in a company's relationship with its stakeholders. For further research the study suggests that more studies should be done on economic social responsibility and corporate governance, economic social responsibility and financial literacy.
The objective of the study is to examined Corporate Social Responsibility Disclosure in quoted money deposit
Banks in Nigeria. The research design used for this study is historical research design. The design was used so as to
capture relevant information from annual financial statement of quoted companies. The population of the study
consists of Twenty one (21) deposit money banks in Nigeria and a sample of eight commercial banks was randomly
selected using convenient sampling technique. Data were analyzed using ordinary least squares regression. The
findings of this research indicate an existence of negative relationship between firm complexity and environmental
disclosed in the Nigerian banking sector. It also indicates the existence of positive relationship between earnings and
CSR disclosure in the Nigerian banking sector and that bank size was negatively related to the extent of corporate
social responsibility disclosure by Nigerian banks. The implication of these findings is that as bank increase its
activities they should also be concern with the well-being of the environment which they operate. Finally, the study
recommends that banks should focus on activities that will synchronize its corporate goals with the sustainability of
the environment
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
The Journal will bring together leading researchers, engineers and scientists in the domain of interest from around the world. Topics of interest for submission include, but are not limited to
An Exploratory Study of Factors Influencing Corporate Sustainability on busin...AkashSharma618775
This study evaluates the effect of corporate sustainability on business performance of manufacturing
industries in USA, from 2012 to 2015. These Manufacturing industries are listed in Corporate Social
Responsibility Hub (CSRHub), Morning Star and Global Reporting Initiative (GRI). All data used in this report
were extracted from 37 manufacturing companies’ Sustainability, corporate social responsibility (CSR) and
annual reports. These companies are of diverse sectors such as Automobile, Health care, consumer goods, food,
beverages and technology. Quantitative method of research is used in this study; this also includes the use of
explanatory and descriptive research design. The main issues to be discussed in this study are Donation, Incident
rate reduction and Water Recycled as the independent variables, while Revenue is the dependent variable. Data
analysis was carried out using the regression analysis, descriptive statistics and correlation. E-views software
generated the data for further analysis. The findings imply that donation has a positive insignificance effect on
revenue, reduced incident rate reduction had positive significance effect on revenue and water recycling has
negative insignificant effect on revenue. In the future researches, larger samples of companies form diverse sectors
and subsectors should be studied to broaden the research on company performance especially the non-financial
aspect.
An Exploratory Study of Factors Influencing Corporate Sustainability on busin...AkashSharma618775
This study evaluates the effect of corporate sustainability on business performance of manufacturing
industries in USA, from 2012 to 2015. These Manufacturing industries are listed in Corporate Social
Responsibility Hub (CSRHub), Morning Star and Global Reporting Initiative (GRI). All data used in this report
were extracted from 37 manufacturing companies’ Sustainability, corporate social responsibility (CSR) and
annual reports. These companies are of diverse sectors such as Automobile, Health care, consumer goods, food,
beverages and technology. Quantitative method of research is used in this study; this also includes the use of
explanatory and descriptive research design. The main issues to be discussed in this study are Donation, Incident
rate reduction and Water Recycled as the independent variables, while Revenue is the dependent variable. Data
analysis was carried out using the regression analysis, descriptive statistics and correlation. E-views software
generated the data for further analysis. The findings imply that donation has a positive insignificance effect on
revenue, reduced incident rate reduction had positive significance effect on revenue and water recycling has
negative insignificant effect on revenue. In the future researches, larger samples of companies form diverse sectors
and subsectors should be studied to broaden the research on company performance especially the non-financial
aspect.
Environmental sustainability is an important component of a firm’s Corporate Social Responsibility. It relates to
firm practices that ensure the conservation of the environment and natural resources, such as water, land and air.
This research study aims to study the concept in relation to firm performance in Jordan. It proposes that
environmental sustainability practices of a company in Jordan’s manufacturing industry positively influence its
financial performance. For this purpose, the study assesses the relationship between environmental sustainability
score and the profitability ratios. Results reveal a significant positive impact of sustainability score on the ROA of
the companies. It is therefore recommended to manufacturing firms in Jordan to focus more on environmental CSR
and sustainability practices, which would result in improved efficiency and profitability.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
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TEST BANK for Operations Management, 14th Edition by William J. Stevenson, Ve...kevinkariuki227
TEST BANK for Operations Management, 14th Edition by William J. Stevenson, Verified Chapters 1 - 19, Complete Newest Version.pdf
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NVBDCP.pptx Nation vector borne disease control programSapna Thakur
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Title: Sense of Smell
Presenter: Dr. Faiza, Assistant Professor of Physiology
Qualifications:
MBBS (Best Graduate, AIMC Lahore)
FCPS Physiology
ICMT, CHPE, DHPE (STMU)
MPH (GC University, Faisalabad)
MBA (Virtual University of Pakistan)
Learning Objectives:
Describe the primary categories of smells and the concept of odor blindness.
Explain the structure and location of the olfactory membrane and mucosa, including the types and roles of cells involved in olfaction.
Describe the pathway and mechanisms of olfactory signal transmission from the olfactory receptors to the brain.
Illustrate the biochemical cascade triggered by odorant binding to olfactory receptors, including the role of G-proteins and second messengers in generating an action potential.
Identify different types of olfactory disorders such as anosmia, hyposmia, hyperosmia, and dysosmia, including their potential causes.
Key Topics:
Olfactory Genes:
3% of the human genome accounts for olfactory genes.
400 genes for odorant receptors.
Olfactory Membrane:
Located in the superior part of the nasal cavity.
Medially: Folds downward along the superior septum.
Laterally: Folds over the superior turbinate and upper surface of the middle turbinate.
Total surface area: 5-10 square centimeters.
Olfactory Mucosa:
Olfactory Cells: Bipolar nerve cells derived from the CNS (100 million), with 4-25 olfactory cilia per cell.
Sustentacular Cells: Produce mucus and maintain ionic and molecular environment.
Basal Cells: Replace worn-out olfactory cells with an average lifespan of 1-2 months.
Bowman’s Gland: Secretes mucus.
Stimulation of Olfactory Cells:
Odorant dissolves in mucus and attaches to receptors on olfactory cilia.
Involves a cascade effect through G-proteins and second messengers, leading to depolarization and action potential generation in the olfactory nerve.
Quality of a Good Odorant:
Small (3-20 Carbon atoms), volatile, water-soluble, and lipid-soluble.
Facilitated by odorant-binding proteins in mucus.
Membrane Potential and Action Potential:
Resting membrane potential: -55mV.
Action potential frequency in the olfactory nerve increases with odorant strength.
Adaptation Towards the Sense of Smell:
Rapid adaptation within the first second, with further slow adaptation.
Psychological adaptation greater than receptor adaptation, involving feedback inhibition from the central nervous system.
Primary Sensations of Smell:
Camphoraceous, Musky, Floral, Pepperminty, Ethereal, Pungent, Putrid.
Odor Detection Threshold:
Examples: Hydrogen sulfide (0.0005 ppm), Methyl-mercaptan (0.002 ppm).
Some toxic substances are odorless at lethal concentrations.
Characteristics of Smell:
Odor blindness for single substances due to lack of appropriate receptor protein.
Behavioral and emotional influences of smell.
Transmission of Olfactory Signals:
From olfactory cells to glomeruli in the olfactory bulb, involving lateral inhibition.
Primitive, less old, and new olfactory systems with different path
Lung Cancer: Artificial Intelligence, Synergetics, Complex System Analysis, S...Oleg Kshivets
RESULTS: Overall life span (LS) was 2252.1±1742.5 days and cumulative 5-year survival (5YS) reached 73.2%, 10 years – 64.8%, 20 years – 42.5%. 513 LCP lived more than 5 years (LS=3124.6±1525.6 days), 148 LCP – more than 10 years (LS=5054.4±1504.1 days).199 LCP died because of LC (LS=562.7±374.5 days). 5YS of LCP after bi/lobectomies was significantly superior in comparison with LCP after pneumonectomies (78.1% vs.63.7%, P=0.00001 by log-rank test). AT significantly improved 5YS (66.3% vs. 34.8%) (P=0.00000 by log-rank test) only for LCP with N1-2. Cox modeling displayed that 5YS of LCP significantly depended on: phase transition (PT) early-invasive LC in terms of synergetics, PT N0—N12, cell ratio factors (ratio between cancer cells- CC and blood cells subpopulations), G1-3, histology, glucose, AT, blood cell circuit, prothrombin index, heparin tolerance, recalcification time (P=0.000-0.038). Neural networks, genetic algorithm selection and bootstrap simulation revealed relationships between 5YS and PT early-invasive LC (rank=1), PT N0—N12 (rank=2), thrombocytes/CC (3), erythrocytes/CC (4), eosinophils/CC (5), healthy cells/CC (6), lymphocytes/CC (7), segmented neutrophils/CC (8), stick neutrophils/CC (9), monocytes/CC (10); leucocytes/CC (11). Correct prediction of 5YS was 100% by neural networks computing (area under ROC curve=1.0; error=0.0).
CONCLUSIONS: 5YS of LCP after radical procedures significantly depended on: 1) PT early-invasive cancer; 2) PT N0--N12; 3) cell ratio factors; 4) blood cell circuit; 5) biochemical factors; 6) hemostasis system; 7) AT; 8) LC characteristics; 9) LC cell dynamics; 10) surgery type: lobectomy/pneumonectomy; 11) anthropometric data. Optimal diagnosis and treatment strategies for LC are: 1) screening and early detection of LC; 2) availability of experienced thoracic surgeons because of complexity of radical procedures; 3) aggressive en block surgery and adequate lymph node dissection for completeness; 4) precise prediction; 5) adjuvant chemoimmunoradiotherapy for LCP with unfavorable prognosis.
Title: Sense of Taste
Presenter: Dr. Faiza, Assistant Professor of Physiology
Qualifications:
MBBS (Best Graduate, AIMC Lahore)
FCPS Physiology
ICMT, CHPE, DHPE (STMU)
MPH (GC University, Faisalabad)
MBA (Virtual University of Pakistan)
Learning Objectives:
Describe the structure and function of taste buds.
Describe the relationship between the taste threshold and taste index of common substances.
Explain the chemical basis and signal transduction of taste perception for each type of primary taste sensation.
Recognize different abnormalities of taste perception and their causes.
Key Topics:
Significance of Taste Sensation:
Differentiation between pleasant and harmful food
Influence on behavior
Selection of food based on metabolic needs
Receptors of Taste:
Taste buds on the tongue
Influence of sense of smell, texture of food, and pain stimulation (e.g., by pepper)
Primary and Secondary Taste Sensations:
Primary taste sensations: Sweet, Sour, Salty, Bitter, Umami
Chemical basis and signal transduction mechanisms for each taste
Taste Threshold and Index:
Taste threshold values for Sweet (sucrose), Salty (NaCl), Sour (HCl), and Bitter (Quinine)
Taste index relationship: Inversely proportional to taste threshold
Taste Blindness:
Inability to taste certain substances, particularly thiourea compounds
Example: Phenylthiocarbamide
Structure and Function of Taste Buds:
Composition: Epithelial cells, Sustentacular/Supporting cells, Taste cells, Basal cells
Features: Taste pores, Taste hairs/microvilli, and Taste nerve fibers
Location of Taste Buds:
Found in papillae of the tongue (Fungiform, Circumvallate, Foliate)
Also present on the palate, tonsillar pillars, epiglottis, and proximal esophagus
Mechanism of Taste Stimulation:
Interaction of taste substances with receptors on microvilli
Signal transduction pathways for Umami, Sweet, Bitter, Sour, and Salty tastes
Taste Sensitivity and Adaptation:
Decrease in sensitivity with age
Rapid adaptation of taste sensation
Role of Saliva in Taste:
Dissolution of tastants to reach receptors
Washing away the stimulus
Taste Preferences and Aversions:
Mechanisms behind taste preference and aversion
Influence of receptors and neural pathways
Impact of Sensory Nerve Damage:
Degeneration of taste buds if the sensory nerve fiber is cut
Abnormalities of Taste Detection:
Conditions: Ageusia, Hypogeusia, Dysgeusia (parageusia)
Causes: Nerve damage, neurological disorders, infections, poor oral hygiene, adverse drug effects, deficiencies, aging, tobacco use, altered neurotransmitter levels
Neurotransmitters and Taste Threshold:
Effects of serotonin (5-HT) and norepinephrine (NE) on taste sensitivity
Supertasters:
25% of the population with heightened sensitivity to taste, especially bitterness
Increased number of fungiform papillae
These simplified slides by Dr. Sidra Arshad present an overview of the non-respiratory functions of the respiratory tract.
Learning objectives:
1. Enlist the non-respiratory functions of the respiratory tract
2. Briefly explain how these functions are carried out
3. Discuss the significance of dead space
4. Differentiate between minute ventilation and alveolar ventilation
5. Describe the cough and sneeze reflexes
Study Resources:
1. Chapter 39, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 34, Ganong’s Review of Medical Physiology, 26th edition
3. Chapter 17, Human Physiology by Lauralee Sherwood, 9th edition
4. Non-respiratory functions of the lungs https://academic.oup.com/bjaed/article/13/3/98/278874
1. American Journal of Multidisciplinary Research & Development (AJMRD)
Volume 03, Issue 07 (July- 2021), PP 27-31
ISSN: 2360-821X
www.ajmrd.com
Multidisciplinary Journal www.ajmrd.com Page | 27
Research Paper Open Access
Examining the Relationship between Corporate Social
Responsibility (CSR) and Competitive Advantage (CA) in the
Commercial Banking Sector /Case Study of Jordan
Nidal Ismail Abu-Alkeir
Abstract: The role of globalization and technology the banking business environment in a developing country
like, Jordan is competitive, which requires a company’s engage in (CSR) to remain competitive in the service
banking market. Therefor this study examined the relationship between five dimensions of (CSR) and competitive
advantage in Jordanian commercial banking sector.For this purpose a survey (206) respondents was conducted
across five staff commercial banks in Amman using (34) Statements based on the dimensions model of (5)
dimensions :(social,ethical,legal,environmental and technological). Regression analysis was conducted to
measure whether these dimensions impact competitive advantage. The results of the study indicate that (40.4%)
of the variance competitive advantage is explained by change in (CRS) dimensions.
Examining the relationship between (CSR) dimensions and competitive advantage in the commercial banking
(point view of management.
Keywords: Banking Sector, Corporate social responsibility, Competitive Advantage, Jordan
I. INTODUCTION
Banking sector plays an important structural role for any given case of industry or economic growth.
Moreover, service sector including commercial banking foundations obviously steers the nerve point of industrial
growth of any economy.
During the past two decades or so, regulatory, structural and technological factors have intensively changed
the banking environment. This has led to an intense competition among banking service providers. Bank
management must develop customer-oriented strategies in order to compete successfully in the competitive retail
banking environment. In commercial banks, customer satisfaction is taken as the primary standard used to assess the
relationships of banks with the market Munariet al. [1].Jordan’s banking sector is the strongest part of its financial
services industry, with a history of dating back to 1948, when Arab bank moved its headquarters from Jerusalem to
Amman. According to the JordanCentral bank report, 2018[2], there are 13 commercial banks in Jordan, these banks
are: Housingbank, Arab bank, Ahli bank, Cairo Amman bank, Bank of Etihad, bank of Jordan, Jordan Kuwait bank,
Commercial bank of Jordan, ABC bank and capital bank.The presence of large numbers of banks which provides the
same services for client led to increased competition among them with the increasing rate of competition among
banks in real world, attracting new customers is no longer the sole objective of financial institutions, AntenehEyasu
and DemozArefayne[3].
The main objective of this study examined the linkage between five dimensions of (CSR) engagement
(social, ethical, legal, environmental and technological with the banking industry’s competitive advantage strategy
and ranked the contribution of these dimensions of (CSR) to their competitive advantage.
II. LITRETURE REVIEW
Literature viewed corporate social responsibility from different standpoints; Williams [4] havestated that it
is a commitment of the business sector to follow up the policies and the businesses that benefit society. Ha-
Brookshire [5] defined it as the moral responsibility of the organization toward stakeholders. While the study
conducted by Jones [6] and GauraNautiyal[7]highlighted CSR influence on the community which is reflected in
business decision making, Noyan and Bostanci[8] discussed how environmental values can affect corporate
perception.
According to Eyasu and Arefayne[3], the definition of (CSR) is the social responsibility of business should
encompass society’seconomic, legal, ethical and philanthropic expectations of a company or organization, and that
companies along with meeting their economic and legal obligations, should also be ethical and good corporate
citizens Carroll[9].The link between (CSR) and competitive advantage is often viewed as promising of social needs,
environmental limits, and corporate interests are well coordinated within it. It provides mutual value for the
company and society Porter and Kramer, [10].
The competitive advantage strategy dimension is largely concerned with how a firm will compete to earn
and sustain superior performance (Barney, [11]; Porter, [12]. Luo and Bhattacharya, [13] also pointed out that (CSR)
contributes a positive market value that can help managers to achieve a competitive advantage and greater financial
benefits.
Social dimensions: the bank socially responsible activity brings positive effects to the employees and
customers. The employees may be more motivated, loyal, and hardworking and the service institutions may enjoy
competitive advantage. Both employees, customers, intermediaries are a vital part of the society.
Ethical dimension: the (CSR) means the theory of corporation that emphasizes both responsibilities to
make money (economic approach) and the responsibility to interact ethically with the surrounding community
welfare, it means the new approach of marketing namely: Green marketing and protection the natural resources.
Gond et al. [14] discussed how CSR contributes to corporate performance by influencing employees` behavior.
Drucker[15] explained how the ethical aspects of CSR can support firms’ ability to maximize profits. Similarly, the
strong relationship between profitably and CSR was indicated by Joshi, Sun andMann [16]. From a strategic
2. Examining the Relationship between Corporate Social Responsibility (CSR) and Competitive…
Multidisciplinary Journal www.ajmrd.com Page | 28
management viewpoint, Fulop et al.[17]pointed out a shortcoming related to CSR practices which wasattributed to
the firm’s lack of knowledge and the extensive focus on survival as a major objective pursued by companies
compared to moral responsibility.
Environmental dimension, many people, sustainability is about the environment, primarily the natural, physical
environment and its protection. However there is for more to the environment that just natural
landscape.Selenimatus, [18]
Let us move on to look at the five aspects of the environment:
The natural Resources
Tourism makes use of a range of natural resources, and many cases, the core attraction of a destinations product may
be natural resources such as clean air, land, mineral waters, and the water in lakes and seas.
The Natural Environment
There are few natural landscape or wilderness areas left in the world. Almost all natural landscape have been
affected to some the natural landscape represents the core of the tourism product in many areas including natural
forests, mountains, and regions which attract tourists because of their rivers and lakes.
The farmed environment
The farmed environment can cover a diverse range of agricultural systems including agriculture landscapes, man-
made forests, and fish farms.
Wildlife
Wildlife has a number of dimensions such as land-based mammals and reptiles, flora, birds, insects, fish, and marine
mammals. Tourism can clearly be very harmful to wildlife through the destruction of habitats, affecting feeding
habits, disrupting breeding patterns, fires in woodlands and people picking rare plants.
The Build Environment.
Technological dimension: the competitive workers provide for bank or a company such benefits as an opportunity to
implement advanced information technology and current projects by successfully pursuing long-term company’s
strategy (Markota-Vukic, [19].
III. RESEARCH METHOLODGY
A questionnaire was administrated to (250) respondent in (5) commercial banks in Amman. The number of
completed questionnaires received was (220), of which (206) was accepted as a complete and valid. SPSS version
22.0 was used for analysis purpose.
3.1. Data collection procedure
A (34) statements questionnaires was prepared which has been primarily adapted from several previous studies. Are
based on (CSR) and competitive advantage five dimensions namely; social, ethical, legal, environmental and
technological. A Scale-point Likert scale were 1=strongly disagree, 2 = moderately disagree, 3 = neutral, 4 =
moderately agree and 5 = strongly agree, was used in the 30 statements to measure the five dimensions and 5
statements to measure the competitive advantage.
3.2. Hypotheses:
The hypotheses formulated as the following:
H1: There is no relationship between social dimension and competitive advantage among commercial banking staff.
H2: There is no relationship between ethical dimension and competitive advantage among commercial banking staff.
H3: There is no relationship between environmental dimension and competitive advantage among commercial
banking staff.
H4: There is no relationship between environmental dimension and competitive advantage among commercial
banking staff.
H5: There is no relationship between technological dimension and competitive advantage among commercial
banking staff.
3.3. Validity
This study addresses contract validity by adapting instruments used in previous research.
3.4. Reliability
The instrument used for the current study uses multiple items in all construct in which case calculating Cronbach
alpha helps measure the internal consistency i.e. the extent to which all items in a test measure the same construct.
Table 1: Internal Consistency of the scale
Dimensions Cronbach’s Alpha
Social 0.870
Ethical 0.780
Legal 0.688
Environmental 0.672
Technological 0.880
Competitive advantage 0.787
Overall instrument 0.889
Although opinion is divided as to what value is desirable, an alpha value of greater that (0.6) is consider acceptable
(Cronbach, L.J.,Shavelson, R.J. [20] . As indicated in table 1. The Cronbach alpha values of sub-scales as well as the
overall instrument is greater than 0.6 (minimum 0.688 and maximum 0.880), thus indicating acceptable internal
validity of the instrument.
IV. RESULTS AND DISSCUSION
Table (2) below shows that there is positive correlation between each of the five dimensions of (CSR) with values of
competitive advantage. Environmental and technological indicated the highest correlation.
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Table 2: Inter-Correlation Matrix
social Ethical Legal environmental Technological Competitive
advantage
Social 1
Ethical .762 1
Legal .587 .473 1
Environmental .388 .366 .562 1
Technological .289 .273 .401 .754 1
Competitive
advantage
.320 .300 .420 .566 .572
(**) correlation is significant at the (0.01) level (2 tailed)
with competitive advantage with values of (0.566) and (0.572) respectively .The remaining three dimensions,(social,
ethical and legal) indicated a relatively moderate degree of positive correlation with competitive advantage thus it
may be interpreted that there exists a linear relationship between competitive advantage and the dimensions of
corporate social responsibility considered here positive correlation indicates that each of these five dimensions have
a tendency to change together in the same direction as competitive advantage as the model showing this correlation.
(CSR)
Social Dimension
Ethical Dimension
Legal Dimension
Environmental Dimension
Technological Dimension
(*) Fig.1.Framwork.
. According to previous studies and literature review
4.1 Hypothesis Testing
In order to measure whether five corporate social responsibility (CSR): social, ethical, legal,environmental and
technological have an impact on competitive advantage.
Table 3: Regression model summary (dependent variable competitive advantage)
Model R 𝑅2 Adjusted R Square Error of the
Estimate
1 .322α .105 .97 .62151
2 .342b .117 .101 .63721
3 .441c .220 .178 .60711
4 .612d .333 .376 .53751
5 .614e .404 .391 .52550
a) predictors: (constant),social;
b) Predictors: (constant) SD,ED.
c) Predictors: (constant),SD,ED,LD
d) Predictors: (constant),SD,ED,LD,EN
e) Predictors: (constant),social,ethical,legal,environment,technological
(SD) (ED) (LD) (Env.D) (TD)
On commercial banking sector a regression analysis was conducted in table (3) .competitive advantage was taken as
dependent variable while the five (CSR) dimensions, namely social, ethical, legal, environmental and technological
were taken as predictors. The (𝑅2
) value of (0.404) model (5) in above table (3).indicate that (40.4%) of the variance
in competitive advantage is explained by change in the (CSR) dimensions.
Below table (4) illustrated the beta coefficient which indicate the extent of impact of (CSR) dimensions on
competitive advantage with their banks. Legal dimension (beta=.139,t=2.051,p≤0.05), environmental dimension
(beta=.281,t=3.234,p≤0.001) and technological dimension (beta=.273.t=3.443,p≤0.001) had high positive impact
and their p-values and t-values greater than (2) render them statistically significant as well. Although social and
ethical dimensions both and positive betas they are of little statistical significance as indicated by their p values of
(0.752 and .770) respectively.
Competitive
Advantage
H01
H02
H03
H04
H05
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Table 4: Coefficient (dependent variable competitive advantage)
1- The value of (0.752) for social D. means that the related null hypothesis
H1: There is no impact of social dimension on competitive advantage among commercial banking staff in
Amman- is Accepted.
2- The P value of (0.770) for ethical dimension means that the related null hypothesis – H2: There is no impact of
ethical dimension on competitive advantage among commercial banking staff in Amman- is Accepted.
3- The P -value of (0.40) for legal dimension means that the related null hypothesis H3: There is no impact of legal
dimension of competitive advantage among commercial banking staff in Amman is Rejected.
4- The P-value of (0.001) for environmental dimension means that the related null hypothesis H4: There is no
impact of environmental dimension of competitive advantage among commercial banking staff in Amman is
Rejected.
5- The P-value of (0.11) for technological dimension means that the related null hypothesis H5: There is no impact
of technological dimension of competitive advantage among commercial banking staff-is Rejected.
V. CONCLSION
All the five dimensions of (CSR) in this study exhibited a positive correlation with competitive advantage acting the
impact of these five dimensions on competitive advantage using regression analysis it was found that (40.4%) of the
variance in competitive advantage is explained by change in the social responsibility. The softer dimensions namely
environmental and technical, as well as the harder dimension legal, were of statistical significance.However, the
impact of social and ethical on competitive advantage was of little statistical significance.
These findings can be used by banks to improve on these particular dimensions of (CSR) in order to achieve best
results relevant to competitive advantage in the commercial banks in Amman.
There are however, several limitations on this study. Firstly, it is limited to Amman and covers commercial sector
banksonly. Secondly, the sample size of (206) can be no way be considered representative of the population.
Thirdly, it uses only (34) statements or items clubbed under five dimensions. Thus there is a definite scope for a
more comprehensive study using a more elaborate instrument and covering a larger sample size across public, and
Islamic sector banks in Jordan.
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Legal dimension *0.150 0.71 * .139 2.051 .040
Environmental
dimension
*0.241 0.72 *.281 3.234 0.001
Technological
dimension
*0.207 0.65 * .273 3.433 0.001
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