Current Issue : July - September Volume : 2018 Issue Number : 3 Articles : 7 Articles
In recent years, there has been a dramatic growth in credit card usage among the people. This increase in\nthe number of people holding credit cards and incurring credit card debt has generated concern that these people\nare overextended and unaware of the long-term consequences associated with severe indebtedness. Credit card\nunhealthy practices become been a world-wide challenge in the global business environment. The effect of default\nhits not only the victim, but also the banks, credit card companies, merchants and even the economies....
The essence of business is value exchange. Customers are the foundation of\nenterprises; enterprise value comes from customer equity fundamentally. Increasing\nenterprise value pays attention to excavating customer equity fully\nand enlarging customer equity continuously. The interaction between consumers\nand suppliers is promoted by the change of customer role, diversified\nmarket needs and development of IT. Customer equity is increasingly influenced\nby customer participation. This study builds theoretical analyzing\nframework of customer participation, perceived control and customer equity,\nand collects samples from financial industry. It verifies the theoretical model\nand hypotheses based on data analysis through SPSS 19.0 and Amos 21.0. The\nresult shows that customer participation has positive effect on customer equity,\nand perceived control has partial mediating effect between them....
Bookkeeping is regarded as a day-to-day function of a business operation in tracking cash inflows and cash out\nflows. Micro-entrepreneurs emanate from a wide range of disciplines with or without bookkeeping knowledge; however,\nbookkeeping execution is inevitable in operating a sustainable business. The purpose of this paper was to analyse\nmicro-entrepreneurs� bookkeeping practises within the retail clothing industry in Cape Town. Data were collected by\nmeans of questionnaires under positivism approach. The sample size was n=62. The Statistical Package for Social\nSciences (SPSS) was used to quantify and analyse data collected. The findings showed that most micro-entrepreneurs\ndo practise bookkeeping manually, but do not complete the bookkeeping cycle. Worryingly was that was that most microentrepreneurs\nindicated that decision making is based on maintained financial records. This translates to unstainable\npoor decision-making emanating from incomplete bookkeeping records which may ultimately result in business failure.\nTo this effect, it was recommended that micro-entrepreneurs� should engage on complete bookkeeping practises so that\nbusiness decisions are based on accurate financial records hence insightful quality business decision outcome towards\nbusiness success....
The man purpose of the research is assessment of the factors that affect customer satisfaction on service\nquality in Ethio Telecom Dawro zone. To meet this objective both primarily and secondary data were collected.\nOf 300 respondents were employed. The primary data were collected to study customer satisfaction and using\nSERVQUAL model to measures customer satisfaction through service quality dimensions namely: reliability,\ntangibles, responsiveness, empathy and assurance. Data analysis was done using descriptive statistical tools,\ntabular, frequency and percentage. The studies were identified that factors affects customer satisfaction on service\nquality and the relationship between service quality and customer satisfaction. From the results obtained, the\nconsumers perceive service quality was good but it not more attractive in most variables and dimensions. So service\nquality has an impact on customer satisfaction and that shows there is a positive relationship between customer\nsatisfaction and service quality....
The Lebanese pharmaceutical company has been facing decreasing sales for the past six years.\nThe purpose of this paper is to find out who the company�s most valuable customers are, and\nfind out at what level they are not satisfied, and suggest some solutions in order to increase\nsales. The population will target hospitals located in different areas in Lebanon. It includes a\ntotal of 20 hospitals. The sample for this research includes medical staff that work in the OR\n(Operating Rooms), ICU (Intensive Care Units) and ICN (Intensive Care Units for Neonates),\npurchasing, and quality control departments. Data were collected through the use of\nquestionnaires. Since the researcher visits these particular hospitals once a week as part of her\njob, it will be practical, easy and cost effective to get information from these respondents....
This study examined the determinants of borrowing capacity of small holder farmers in Cross River State, Nigeria.\nA total of 455 farmers were randomly selected through a stratified random sampling technique. The study data was\ncollected by well-structured questionnaire. Statistical tools such as simple descriptive statistics (table, frequency,\npercentage and mean) and a multiple regression analysis were used to examine the data. The results indicate that 60%\nof the farmers source their credit from informal financial sector while the mean borrowing capacity of the farmers was\nN550,500. The regression�s result demonstrated that the determinants of the farmers borrowing capacity included asset\nvalue, debt outstanding, and value of equity in asset, educational index, farm size and family size. The study further\nrevealed that the major problems facing farmers are high interest, lack for collateral, short repayment periods, among\nothers. Therefore, it was recommended that small holder farmers should increase their financial asset and Real estate\npurchases, while financial services providers should carefully study the determinants favorable for lending to small\nholder farmers in order to increase agricultural financing....
Customer citizenship behavior is a new concept in the field of customer behavior\nresearch. It is a valuable and constructive behavior of consumers who are\nwilling to do for the brand out of their roles, which makes the enterprise\ncompetitive due to low cost or even zero cost. Therefore, it has gradually attracted\nwidespread concern from domestic and foreign researchers and practitioners\nin marketing. This paper studies the antecedent variables of consumer\ncitizenship behavior. The connection of self and brand acts as the mediator\nbetween the congruence of consumer�s self-image as well as brand image\nand consumer citizenship behavior. Specifically speaking, neither the\nconsumer�s self-image nor brand image directly affects his/her citizenship behavior\nbut affected by the mediate role of self-brand connection. Only when\nthe consumer voluntarily connects himself/herself with the brand and form\nhigh-quality consumer-brand relationship, will consumers voluntarily engage\nin valuable and constructive behaviors for the brands. In this way, the consumer\ncitizenship behavior forms....
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