Abstract: Knowledge management focuses on the development, storage, retrieval, and dissemination of information and expertise. It has become an important tool to improve performance in tourism enterprises. This includes improving decision-making, developing customer services, and increasing sales and profits. Knowledge management adoption depends on human, organizational and technological factors. This study aims to explore the concept of knowledge management in travel agents in Egypt. It explores the requirements of adoption and its impact on performance in these agencies. The study targets Category A travel agents in Egypt. The population of the study encompasses Category A travel agents having online presence. An online questionnaire is used to collect data from managers of travel agents. This study is useful for travel agents who are in urgent need to restructure their intermediary role and support their survival in the global travel market. The study sheds light on the requirements of adoption and the expected impact on performance. This could help travel agents identify their situation and the determine the extent to which they are ready to adopt knowledge management. This study is contributing to knowledge by providing insights from the tourism sector in a developing country where the concept of knowledge management is still in its infancy stages.
Abstract: Sri Lanka is one of the prominent countries for the coir production. The coir is one of the by-products of the coconut and the coir industry is considered to be one of the traditional industries in Sri Lanka. Because of the inherent nature of the coir industry, labourers play a significant role in the coir production process. The study has analyzed the determinants of the income of the household level coir yarn labourers. The study was conducted in the Kumarakanda Grama Niladhari division. Simple random sampling was used to generate a sample of 100 household level coir yarn labourers and structured questionnaire, personal interviews, and discussion were performed to gather the required data. The obtained data were statistically analyzed by using Statistical Package for Social Science (SPSS) software. Mann-Whitney U and Kruskal-Wallis test were performed for mean comparison. The findings revealed that the household level coir yarn industry is dominated by the female workers and it was identified that fewer numbers of workers have engaged in this industry as the main occupation. In addition to that, elderly participation in the industry is higher than the younger participation and most of them have engaged in the industry as a source of extra income. Level of education, the methods of engagement, satisfaction, engagement in the industry by the next generation, support from the government, method of government support, working hours per day, employed as a main job, number of completed units per day, suffering from job related diseases and type of the diseases were related with income level of household level coir yarn laboures. The recommendations as to flourish in future includes, technological transformation for coir yarn production, strengthening the raw material base and regulating the raw material supply, introduction of new technologies, markets and training programmes, the establishment of the labourers’ association, the initiation of micro credit schemes and better consideration about the job oriented diseases.
Abstract: The research investigates the causes of unemployment
in Namibia, Nigeria and South Africa and the role of Capital
Accumulation in reducing the unemployment profile of these
economies as proposed by the post-Keynesian economics. This is
conducted through extensive review of literature on the NAIRU
models and focused on the post-Keynesian view of unemployment
within the NAIRU framework. The NAIRU (non-accelerating
inflation rate of unemployment) model has become a dominant
framework used in macroeconomic analysis of unemployment. The
study views the post-Keynesian economics arguments that capital
accumulation is a major determinant of unemployment.
Unemployment remains the fundamental socio-economic challenge
facing African economies. It has been a burden to citizens of those
economies. Namibia, Nigeria, and South Africa are great African
nations battling with high unemployment rates. The high
unemployment rate in the country led the citizens to chase away
foreigners in the country claiming that they have taken away their
jobs. The study proposes there is a strong relationship between
capital accumulation and unemployment in Namibia, Nigeria, and
South Africa, and capital accumulation is responsible for high
unemployment rates in these countries. For the economies to achieve
steady state level of employment and satisfactory level of economic
growth and development, there is need for capital accumulation to
take place. The countries in the study have been selected after a
critical research and investigations. They are selected based on the
following criteria; African economies with high unemployment rates
above 15% and have about 40% of their workforce unemployed. This
level of unemployment is the critical level of unemployment in
Africa as expressed by International Labour Organization (ILO). And
finally, the African countries experience a slow growth in their Gross
fixed capital formation. Adequate statistical measures have been
employed using a time-series analysis in the study and the results
revealed that capital accumulation is the main driver of
unemployment performance in the chosen African countries. An
increase in the accumulation of capital causes unemployment to
reduce significantly. The results of the research work will be useful
and relevant to federal governments and ministries, departments and
agencies (MDAs) of Namibia, Nigeria and South Africa to resolve
the issue of high and persistent unemployment rates in their
economies which are great burden that slows growth and
development of developing economies. Also, the result can be useful
to World Bank, African Development Bank and International Labour
Organization (ILO) in their further research and studies on how to
tackle unemployment in developing and emerging economies.
Abstract: Hypertension is a common condition causing cardio
and cerebrovascular complications. Portugal has one of the highest
mortality rates from stroke and a high prevalence of hypertension.
Systolic Blood Pressure (SBP) is an important risk factor for
cardiovascular events (myocardial infarction and stroke) and
premature mortality, particularly in the elderly population. The
present study aims to estimate the prevalence of hypertension in a
Portuguese population living in a coastal city and to identify some of
its determinants (namely gender, age, the body mass index and
physical activity frequency). A total of 91 adults who attended three pharmacies of a coastal
city in the center of Portugal, between May and August of 2013 were
evaluated. Attendants who reported to have diabetes or taking
antihypertensive drugs in the 2 previous weeks were excluded from
the study. Sociodemographic factors, BMI, habits of exercise and BP
were assessed. Hypertension was defined as blood pressure ≥140/90
mmHg. The majority of the studied population was constituted by women
(75.8%), with a mean age of 54.2±1.6 years old, married or living in
civil union and that had completed secondary school or had higher
education (40%). They presented a mean BMI of 26.2±4.76 Kg/m2.,
and were sedentary. The mean BP was 127.0±17.77mmHg- 74.69 ±
9.53. In this population we found 4.3% of people with hypertension
and 16.1% with normal high blood pressure. Men exhibit a tendency to present higher systolic blood pressure
values than women. Of all the factors considered, SBP values also
tended to be higher with age and higher BMI values.
Despite the fact that the mean values of SBP did not present values
higher than 140 mmHg we must be concerned because the studied
population is undiagnosed for hypertension. Although this is a preliminary study, it might be a prelude to the
upcoming research about the underlying factors responsible for the
occurrence of SBP.
Abstract: Public participation in recycling domestic waste is still
very low in Malaysia. Only 10.5% of solid waste was recycled up to
now which is far below than of in developed countries. Therefore,
understanding public motivations towards recycling domestic waste
are important to improve current recycling rate. Thus, this study
attempts to identify what are the possible motivations and hindrances
for the public to recycle. Open-ended questions format were
administered to 484 people in Kota Kinabalu, Sabah, Malaysia. Two
specific questions we asked to explore their general determinants and
barriers in practicing recycling: “What motivates you to recycle?”
and “What are the barriers you encountered in doing recycling
activities?” Thematic was conducted on the open-ended questions in
which themes were created with the raw comments. It was found that
the underlying recycling motivations are (i) awareness’ towards the
environment; (ii) benefits to the society and individual; and (iii)
social influence. Non participations are influence by (i) attitudes; (ii)
commitment; (iii) facilities; (iv) knowledge; (v) inconvenience; and
(vi) enforcement.
Abstract: Financial innovations can be regarded as the cause
and the effect of the evolution of the financial system. Most of
financial innovations are created by various financial institutions for
their own purposes and needs. However, due to their diversity,
financial innovations can be also applied by various business entities
(other than financial institutions).
This paper focuses on the potential application of financial
innovations by non-financial companies. It is assumed that financial
innovations may be effectively applied in all fields of corporate
financial decisions integrating financial management with the risk
management process. Appropriate application of financial
innovations may enhance the development of the company and
increase its value by improving its financial situation and reducing
the level of risk. On the other hand, misused financial innovations
may become the source of extra risk for the company threatening its
further operation.
The main objective of the paper is to identify the major types of
financial innovations offered to non-financial companies by the
banking system in Poland. It also aims at identifying the main factors
determining the creation of financial innovations in the banking
system in Poland and indicating future directions of their
development.
This paper consists of conceptual and empirical part. Conceptual
part based on theoretical study is focused on the determinants of the
process of financial innovations and their application by the nonfinancial
companies. Theoretical study is followed by the empirical
research based on the analysis of the actual offer of the 20 biggest
banks operating in Poland with regard to financial innovations
offered to SMEs and large corporations. These innovations are
classified according to the main functions of the integrated financial
management, such as financing, investment, working capital
management and risk management.
Empirical study has proved that the biggest banks operating in the
Polish market offer to their business customers many types and
classes of financial innovations. This offer appears vast and adequate
to the needs and purposes of the Polish non-financial companies. It
was observed that financial innovations pertained to financing
decisions dominate in the banks’ offer. However, due to high
diversification of the offered financial innovations, business
customers may effectively apply them in all fields and areas of
integrated financial management. It should be underlined, that the
banks’ offer is highly dispersed, which may limit the implementation
of financial innovations in the corporate finance. It would be also
recommended for the banks operating in the Polish market to
intensify the education campaign aiming at increasing knowledge
about financial innovations among business customers.
Abstract: The aim of the present study is to investigate
consumers' determinants of intention toward the adoption of Smart
Grid solutions and technologies. Ajzen's Theory of Planned
Behaviour (TPB) model is applied and tested to explain the formation
of such adoption intention. An exogenous variable, taking into
account the resistance to change of individuals, was added to the
basic model. The elicitation study allowed obtaining salient modal
beliefs, which were used, with the support of literature, to design the
questionnaire. After the screening phase, data collected from the
main survey were analysed for evaluating measurement model's
reliability and validity. Consistent with the theory, the results of
structural equation analysis revealed that attitude, subjective norm,
and perceived behavioural control positively, which affected the
adoption intention. Specifically, the variable with the highest estimate
loading factor was found to be the perceived behavioural control,
and, the most important belief related to each construct was
determined (e.g., energy saving was observed to be the most
significant belief linked with attitude). Further investigation indicated
that the added exogenous variable has a negative influence on
intention; this finding confirmed partially the hypothesis, since this
influence was indirect: such relationship was mediated by attitude.
Implications and suggestions for future research are discussed.
Abstract: The venture capital becomes more and more advanced
and effective source of the innovation project financing, connected
with a high-risk level. In the developed countries, it plays a key role
in transforming innovation projects into successful businesses and
creating the prosperity of the modern economy. In Russia, there are
many necessary preconditions for creation of the effective venture
investment system: the network of the public institutes for innovation
financing operates; there is a significant number of the small and
medium-sized enterprises, capable to sell production with good
market potential. However, the current system does not confirm the
necessary level of efficiency in practice that can be substantially
explained by the absence of the accurate plan of action to form the
national venture model and by the lack of experience of successful
venture deals with profitable exits in Russian economy. This paper
studies the influence of various factors on the venture industry
development by the example of the IT-sector in Russia. The choice of
the sector is based on the fact, that this segment is the main driver of
the venture capital market growth in Russia, and the necessary set of
data exists. The size of investment of the second round is used as the
dependent variable. To analyse the influence of the previous round,
such determinant as the volume of the previous (first) round
investments is used. There is also used a dummy variable in
regression to examine that the participation of an investor with high
reputation and experience in the previous round can influence the size
of the next investment round. The regression analysis of short-term
interrelations between studied variables reveals prevailing influence
of the volume of the first round investments on the venture
investments volume of the second round. The most important
determinant of the value of the second-round investment is the value
of first–round investment, so it means that the most competitive on
the Russian market are the start-up teams that can attract more money
on the start, and the target market growth is not the factor of crucial
importance. This supports the point of view that VC in Russia is
driven by endogenous factors and not by exogenous ones that are
based on global market growth.
Abstract: In the immunologic sense, clinical infection is a state
of failure of the immune system to combat the pathogenic weapon of
the bacteria invading the host. A motile gram negative vibroid
organism associated with marked mono and poly nuclear cell
responses was traced during the examination of a clinical material
from an infected common carp Cyprinus carpio. On primary plate
culture, growth was shown to be pure, dense population of an
Aeromonas-like colony morphotype. The pure isolate was found to
be; Aerobic, facultatively anaerobic, non-halophilic, grew at 0C, and
37C, oxidase positive utilizes glucose through fermentative pathway,
resist 0/129 and novobiocin, produces alanine and lysine
decarboxylases but non-producing ornithine dehydrolases. Tests for
the in vitro determinants of pathogenicity has shown to be; Betahaemolytic
onto blood agar, gelatinase, casienase and amylase
producer. Three in vivo determinants of pathogenicity were tested as,
the lethal dose fifty, the pathogenesis and pathogenicity. It was
evident that 0.1 milliliter of the causal bacterial cell suspension of a
density 1 x 107 CFU/ml injected intramuscularly into an average of
100gms fish toke five days incubation period, then at the day six
morbidity and mortality were initiated. LD50 was recorded at the day
12 post-infection. Use of an LD50 doses to study the pathogenicity,
reveals mononuclear and polynuclear cell responses, on examining
the stained direct films of the clinical materials from the
experimentally infected fish. Re-isolation tests confirm that the reisolant
is same. The course of the infection in natural case was shown
manifestation of; skin ulceration, haemorrhage and descaling. On
evisceration, the internal organs were shown; congestion in the
intestines, spleen and, air sacs. The induced infection showed a
milder form of these manifestations. The grading of the virulence of
this organism was virulent causing chronic course of infections as
indicated from the pathogenesis and pathogenicity studies. Thus the
infectious bacteria were consistent with Aeromonas hydrophila, and
the infection was chronic.
Abstract: The popularity of quality management system models
continues to grow despite the transitional crisis in 2008. Their
development is associated with demands of the new requirements for
entrepreneurs, such as risk analysis projects and more emphasis on
supervision of outsourced processes. In parallel, it is appropriate to
focus attention on the selection of companies aspiring to a quality
management system. This is particularly important in the automotive
supplier industry, where requirements transferred to the levels in the
supply chain should be clear, transparent and fairly satisfied. The
author has carried out a series of researches aimed at finding the
factors that allow for the effective implementation of the quality
management system in automotive companies. The research was
focused on four groups of companies: 1) manufacturing (parts and
assemblies for the purpose of sale or for vehicle manufacturers), 2)
service (repair and maintenance of the car) 3) services for the
transport of goods or people, 4) commercial (auto parts and vehicles).
The identified determinants were divided into two types of criteria:
internal and external, as well as hard and soft. The article presents the
hard – technical factors that an automotive company must meet in
order to achieve the goal of the quality management system
implementation.
Abstract: Auditory hallucinations among the most invalidating
and distressing experiences reported by patients diagnosed with
schizophrenia, leading to feelings of powerlessness and helplessness
towards their illness. In more severe cases, these auditory
hallucinations can take the form of commanding voices, which are
often related to high suicidality rates in these patients. Several
authors propose that the meanings attributed to the hallucinatory
experience, rather than characteristics like form and content, can be
determinant in patients’ reactions to hallucinatory activity,
particularly in the case of voice-hearing experiences. In this study, 48
patients diagnosed with paranoid schizophrenia presenting auditory
hallucinations were studied. Multiple regression analyses were
computed to study the influence of several developmental aspects,
such as family and social dynamics, bullying, depression, and sociocognitive
variables on the auditory hallucinations, on patients’
attributions and relationships with their voices, and on the resulting
invalidation of hallucinatory experience. Overall, results showed how
relationships with voices can mirror several aspects of interpersonal
relationship with others, and how self-schemas, depression and actual
social relationships help shaping the voice-hearing experience. Early
experiences of victimization and submission help predict the
attributions of omnipotence of the voices, and increased hostility
from parents seems to increase the malevolence of the voices,
suggesting that socio-cognitive factors can significantly contribute to
the etiology and maintenance of auditory hallucinations. The
understanding of the characteristics of auditory hallucinations and the
relationships patients established with their voices can allow the
development of more promising therapeutic interventions that can be
more effective in decreasing invalidation caused by this devastating
mental illness.
Abstract: In this study, firstly democratic thoughts which
directly or indirectly affect economic development and/or the
interaction between authoritarian regimes and the economic
development and the direction and channels of this interaction were
studied and then the study tried to determine how democracy affects
economic development. It was concluded that the positive
contributions of democracy to economic development were more
determinant than the effects that were either negative or restrictive in
terms of development. When compared to autocracy, since
democracy is more successful in managing social conflicts, ensuring
political stability and preventing social disasters such as famine, it
contributes more to economic development. Democracy also
facilitates delegation of authority, provides a stable investment
environment and accelerates mobilization of resources in accordance
with economic growth/development. Democracy leads to an increase
in human capital accumulation and increases the growth rate through
reducing income inequality. It can be said that democratic regimes
are the most appropriate ones in terms of increasing economic
performance and supporting economic development through their
strong institutional structures and the assurance they will ensure in
property rights.
Abstract: In today’s rapidly changing and increasingly complex
environment, organizations have relied on their members’ positive
attitude toward their employers. In particular, employees’
organizational commitment (primarily, the affective component) has
been recognized as an essential component of organizational
functioning and success. Hence, identifying the determinants of
affective commitment is one of the most important research issues.
This study tested the influence of leader-member exchange (LMX)
and exchange ideology on employee’s affective commitment. In
addition, the interactive effect of LMX and exchange ideology was
examined. Data from 198 members of the Korean military supports
each of the hypotheses. Lastly, implications for research and directions
for future research are discussed.
Abstract: Introduction: There are multiple social, individual and
cultural factors that influence an individual’s decision to adopt family
planning methods especially among non-users in patriarchal societies
like Pakistan. Non-users, if targeted efficiently, can contribute
significantly to country’s CPR. A research study showed that nonusers
if convinced to adopt lactational amenorrhea method can shift
to long term methods in future. Research shows that if non users are
targeted efficiently a 59% reduction in unintended pregnancies in
Saharan Africa and South-Central and South-East Asia is anticipated.
Methods: We did secondary data analysis on Pakistan
Demographic Heath Survey (2012-13) dataset. Use of contraception
(never-use/ever-use) was the outcome variable. At univariate level
Chi-square/Fisher Exact test was used to assess relationship of
baseline covariates with contraception use. Then variables to be
incorporated in the model were checked for multicollinearity,
confounding and interaction. Then binary logistic regression (with an
urban-rural stratification) was done to find relationship between
contraception use and baseline demographic and social variables.
Results: The multivariate analyses of the study showed that
younger women (≤ 29 years)were more prone to be never users as
compared to those who were >30 years and this trend was seen in
urban areas (AOR 1.92, CI 1.453-2.536) as well as rural areas (AOR
1.809, CI 1.421-2.303). While looking at regional variation, women
from urban Sindh (AOR 1.548, CI 1.142-2.099) and urban
Balochistan (AOR 2.403, CI 1.504-3.839) had more never users as
compared to other urban regions. Women in the rich wealth quintile
were more never users and this was seen both in urban and rural
localities (urban (AOR 1.106 CI .753-1.624); rural areas (AOR 1.162,
CI .887-1.524)) even though these were not statistically significant.
Women idealizing more children (>4) are more never users as
compared to those idealizing less children in both urban (AOR 1.854,
CI 1.275-2.697) and rural areas (AOR 2.101, CI 1.514-2.916).
Women who never lost a pregnancy were more inclined to be nonusers
in rural areas (AOR 1.394, CI 1.127-1.723) .Women familiar
with only traditional or no method had more never users in rural areas
(AOR 1.717, CI 1.127-1.723) but in urban areas it wasn’t significant.
Women unaware of Lady Health Worker’s presence in their area
were more never users especially in rural areas (AOR 1.276, CI
1.014-1.607). Women who did not visit any care provider were more
never users (urban (AOR 11.738, CI 9.112-15.121) rural areas (AOR
7.832, CI 6.243-9.826)).
Discussion/Conclusion: This study concluded that government,
policy makers and private sector family planning programs should
focus on the untapped pool of never users (younger women from underserved provinces, in higher wealth quintiles, who desire more
children.). We need to make sure to cover catchment areas where
there are less LHWs and less providers as ignorance to modern
methods and never been visited by an LHW are important
determinants of never use. This all is in sync with previous literate
from similar developing countries.
Abstract: Indonesian higher education has experienced
significant changes over the last decade. In 1999, the government
published an overall strategy for decentralisation and enhancement of
local autonomy in many sectors, including (higher) education.
Indonesian higher education reforms have forced universities to
restructure their internal university governance to become more
entrepreneurial. These new types of internal university governance
are likely to affect the institutions’ leadership and management. This
paper discusses the approach and findings of a study on the
managerial leadership styles of deans in Indonesian universities. The
study aims to get a better understanding of styles exhibited by deans
manifested in their behaviours. Using the theories of reasoned action
and planned behaviour, in combination with the competing values
framework, a large-scale survey was conducted to gather information
on the deans’ behaviours, attitudes, subjective norms, and perceived
behavioural control. Based on the responses of a sample of 218
deans, the study identifies a number of leadership styles: the Master,
the Competitive Consultant, the Consensual Goal-Setter, the Focused
Team Captain, and the Informed Trust-Builder style. The study
demonstrates that attitudes are the primary determinant of the styles
that were found. Perceived behavioural control is a factor that
explains some managerial leadership styles. By understanding the
attitudes of deans in Indonesian universities, and their leadership
styles, universities can strengthen their management and governance,
and thus improve their effectiveness.
Abstract: The objective of present research paper is to highlight
the importance of measuring advertisement effectiveness in print
media and to develop a conceptual model for advertisement
effectiveness. The developed model is based on dimensions on which
advertisement effectiveness depends and on the dimensions which are
used to measure the effectiveness. An in-depth and extensive
literature review is carried out to understand the concept of
advertisement effectiveness and its various determinants in context of
print media. Based on the insights gained, a conceptual framework
for advertisement effectiveness is presented. The model is an attempt
to uncover the relatively less explored area of advertisement
effectiveness in Indian advertising scenario. It is believed that present
work will encourage scholars and academicians to further explore the
area and will offer conceptual assistance and a fresh direction in the
domain of advertisement effectiveness.
Abstract: Introduction: Researchers globally have strived to explore diverse factors that augment the continuation and uptake of family planning methods. Clients’ satisfaction is one of the core determinants facilitating continuation of family planning methods. There is a major debate yet scanty evidence to contrast public and private sectors with respect to client satisfaction. The objective of this study is to compare quality-of-care provided by public and private sectors of Pakistan through a client satisfaction lens. Methods: We used Pakistan Demographic Heath Survey 2012-13 dataset on 3133 women. Ten different multivariate models were made. to explore the relationship between client satisfaction and dependent outcome after adjusting for all known confounding factors and results are presented as OR and AOR (95% CI). Results: Multivariate analyses showed that clients were less satisfied in contraceptive provision from private sector as compared to public sector (AOR 0.92, 95% CI 0.63-1.68) even though the result was not statistically significant. Clients were more satisfied from private sector as compared to the public sector with respect to other determinants of quality-of-care follow-up care (AOR 3.29, 95% CI 1.95-5.55), infection prevention (AOR 2.41, 95% CI 1.60-3.62), counseling services (AOR 2.01, 95% CI 1.27-3.18, timely treatment (AOR 3.37, 95% CI 2.20-5.15), attitude of staff (AOR 2.23, 95% CI 1.50-3.33), punctuality of staff (AOR 2.28, 95% CI 1.92-4.13), timely referring (AOR 2.34, 95% CI 1.63-3.35), staff cooperation (AOR 1.75, 95% CI 1.22-2.51) and complications handling (AOR 2.27, 95% CI 1.56-3.29). Discussion: Public sector has successfully attained substantial satisfaction levels with respect to provision of contraceptives, but it contrasts previous literature from a multi country studies. Our study though in is concordance with a study from Tanzania where public sector was more likely to offer family planning services to clients as compared to private facilities. Conclusion: In majority of the developing countries, public sector is more involved in FP service provision; however, in Pakistan clients’ satisfaction in private sector is more, which opens doors for public-private partnerships and collaboration in the near future.
Abstract: This study analyzes the innovative orientation of the
Croatian entrepreneurs. Innovative orientation is represented by the
perceived extent to which an entrepreneur’s product or service or
technology is new, and no other businesses offer the same product.
The sample is extracted from the GEM Croatia Adult Population
Survey dataset for the years 2003-2013. We apply descriptive
statistics, t-test, Chi-square test and logistic regression. Findings
indicate that innovative orientations vary with personal, firm, meso
and macro level variables, and between different stages in
entrepreneurship process. Significant predictors are occupation of the
entrepreneurs, size of the firm and export aspiration for both early
stage and established entrepreneurs. In addition, fear of failure,
expecting to start a new business and seeing an entrepreneurial career
as a desirable choice are predictors of innovative orientation among
early stage entrepreneurs.
Abstract: Housing loans play an important role in CEE
countries’ economies. This fact is based on their share in total loans
to households and their importance for economic activity and growth
in CEE countries. Therefore, it is important to find out key
determinants of housing loans demand in these countries. The aim of
this study is to research and analyze the determinants of the demand
for housing loans in Croatia. In this regard, the effect of economic
activity, loan terms and real estate prices were analyzed. Also, the
aim of this study is to find out what motivates people to take housing
loans. Therefore, primarily empirical study was conducted among the
Croatian residents. The results show that demand for housing loans is
positively affected by economic growth, higher personal income and
flexible loan terms, while it is negatively affected by interest rate rise.
Abstract: In this paper we describe one critical research
program within a complex, ongoing multi-year project (2010 to 2014
inclusive) with the overall goal to improve the learning outcomes for
first year undergraduate commerce/business students within an
Information Systems (IS) subject with very large enrolment. The
single research program described in this paper is the analysis of
student attitudes and decision making in relation to the availability of
formative assessment feedback via Web-based real time conferencing
and document exchange software (Adobe Connect). The formative
assessment feedback between teaching staff and students is in respect
of an authentic problem-based, team-completed assignment. The
analysis of student attitudes and decision making is investigated via
both qualitative (firstly) and quantitative (secondly) application of the
Theory of Planned Behavior (TPB) with a two statistically-significant
and separate trial samples of the enrolled students. The initial
qualitative TPB investigation revealed that perceived self-efficacy,
improved time-management, and lecturer-student relationship
building were the major factors in shaping an overall favorable
student attitude to online feedback, whilst some students expressed
valid concerns with perceived control limitations identified within the
online feedback protocols. The subsequent quantitative TPB
investigation then confirmed that attitude towards usage, subjective
norms surrounding usage, and perceived behavioral control of usage
were all significant in shaping student intention to use the online
feedback protocol, with these three variables explaining 63 percent of
the variance in the behavioral intention to use the online feedback
protocol. The identification in this research of perceived behavioral
control as a significant determinant in student usage of a specific
technology component within a virtual learning environment (VLE)
suggests that VLEs could now be viewed not as a single, atomic
entity, but as a spectrum of technology offerings ranging from the
mature and simple (e.g., email, Web downloads) to the cutting-edge
and challenging (e.g., Web conferencing and real-time document
exchange). That is, that all VLEs should not be considered the same.
The results of this research suggest that tertiary students have the
technological sophistication to assess a VLE in this more selective
manner.