Current Issue : January - March Volume : 2015 Issue Number : 1 Articles : 4 Articles
This study seeks to determine the effect of Business Development Services (BDS) on the\ncomfort level of the Islamic Microfinance System and SMEs owners in Yemen. Based on the\nimportance of SMEs in Yemen which consists of 99.6% of all businesses in Yemen and their\nimportant role on the overall economic development by reducing poverty and creating new\njob. The paper made it easy to see what effectiveness the Islamic microfinance system is\nbringing in SMEs sector in the country. 532 questionnaires were distributed amongst the\nSMEs owners in Yemen to collect data, 346 were returned and further 320 were selected for\nData analysis. It was found in the study that there was a remarkable effect of BDS on the\nsatisfaction and the perceived benefits that SMEs owners got through dealing with Islamic\nmicrofinance system. The additional findings were to confirm the role of perceived benefits\nmediating the relationship between satisfaction and BDS but the moderating effects of perceived benefits on the two were not confirmed....
This study examines the factors determining consumer fraud reporting in Kenya. It presents\ncross sectional evidence from data collected by the United Nations Office on Drugs and\nCrime and KIPPRA in 2009/2010. Descriptive results show that the most prevalent consumer\nfraud in Kenya is the proliferation of counterfeit goods. Using logit model, the study finds\nthat consumer fraud reporting is affected by the type of the fraud where proliferation of\ncounterfeit goods is important but negatively associated to reporting. This connotes that the\nmore people are victimized, the more they fail to report to the police or other relevant\nauthorities. This finding puts the fight against counterfeits into perspective perhaps\nunderpinning the important attention it needs to continue receiving from the government and\nother relevant institutions. More awareness by the Anti-Counterfeit agency (ACA) and other\nstakeholders, improved ACA capacity and better collaboration will enhance reporting and aid\ncurb trade in counterfeits. Additionally, perception of victims towards the police or other\nagencies positively impacts the reporting behavior of consumer fraud. Poor perception\ntowards the police impacts consumer fraud reporting significantly which means improving\nhow citizens perceive the police is important in fighting the consumer fraud problem. An\nimproved perception will create confidence in the security systems and people will be willing\nto file reports about economic crimes such as consumer fraud. Initiatives of reforming the\npolice to improve service delivery should be encouraged while also embracing their capacity\nbuilding on consumer crimes to enhance reporting and response....
This study aims toidentify and analyse how customers are experiencing quality, loyalty and satisfaction in the Fast moving consumer goods (FMCG) retail market. The 5Qs model which includes economical and behavioural attributes is used. A research based on 200 respondents is used to identify differences between various 5Qs attributions. It shows that satisfaction does not automatically lead to loyalty. The price is a ruling attribute that makes the customer chase discounts, no matter who provides it. Results show that both psychological and economical attributions influence customers? loyalty. The study reveals that organizations have the fantasy that their customers are totally loyal. This is a dichotomous thought because, the customers did not restrict their loyalty to a few organizations, but they are loyal to those organizations which provide them better offers. Independent variable satisfaction correlates substantially with dependent variable loyalty (.570). Holding a membership card which can indicate a commitment attitude was not significant to the loyalty or satisfaction. Thus, the organizations should understand that disloyalty within varying degrees is a reality and a necessary evil....
Market competition is no longer limited to provide functional attributes of the product itself\nbut has been associated with a brand that can create a special image for its users, especially in\nthe service industry.The purpose of this study is to identify and analyze the influence of brand\nimage on purchase behavior as well as identifying and analyzing the mediating role of brand trust in the relationship between brand image with purchase behavior. This study was\nconducted on 386 students at 13 Islamic private universities in East Java province. The\nresults of the analysis of this study which is used Generalized Structured Component\nAnalysis (GSCA) as the research method revealed that brand image have a significant role in\ninfluencing the purchasing behavior and brand trust also turned out to have a mediating role,\nalthough not fully in the relationship between brand image with purchase behavior....
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