ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Credit Card Usage Among Youth: Are They Using It Responsibly?
Jésica J, Ramos-Hernández, Arturo García-Santillán, Ileana Karen Juárez-Sosa, Elisama García-Vega
Page no 867-871 |
10.21276/sjbms.2017.2.10.1
The aim of study is to find out the way credit cards are being used by
young people, based on a series of recommendations suggested by Mexico´s
National Commission for the Protection and Defense of Financial Services Users
(CONDUSEF for its acronym in Spanish). Also, the paper aims to know if this
population has the necessary information to use their credits in a responsible way,
because the data from the research by Solano et al. (2015), which identifies the
“Determinants of credit card use in Mexico”, lead us to question the role of financial
education or lack of it among young Mexicans. Thereby, real tests are carried out to
corroborate the afore-mentioned, by means of a survey applied to the young people
from Veracruz-Boca del Río metropolitan area.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Effects of Burning and Time Taken from Cut to Mill on Cane Deterioration and Dextran Levels in Sugars and Molasses from Halfa Algadidah Sugar Factory, Sudan
Mohamed Osman Ahmed, Khogali El-Nour Ahmed, Hassan Ali Modawi, Badr ELdin Abdelgadir Mohamad Ahmed
Page no 131-134 |
10.21276/sjbr.2017.2.6.2
Comprehensive chemical analysis was carried out for products of
sugarcane in an attempt to find the effect of burning and the time taken from cut to
mill on cane deterioration and dextran levels in sugars and by-products (molasses)
from HalfaAlgadidah Sugar Factory for three varieties cane (V1, V2 and V3);
corresponding to Co-6806, Co-527 and Co-986 at six periods (T1, T2, T3, T4 , T5 ,
T6)corresponding to (3 , 6 , 12 , 24 , 36 and 48) hours, respectively, during
2007/2008 and 2008/2009 seasons. Randomized complete plot design with three
replications was used in this study. After harvest, the dextran levels were the same
in the three varieties for the same duration, but they were significantly different at P
≤ 0.05 between burnt and green cane at different times. The average levels of
dextran in sugars, juices and molasses were increased with the time taken from cut
to mill. The dextran levels in sugar and molasses were ranged (296 – 1860, 412 –
2247) ppm for the duration of 3 to 48 hours after harvesting, respectively. The
deterioration products, such as dextran, formed quickly and increased rapidly with
the time taken from cut to mill, for burnt cane more than green cane.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Model of Decists Choosing School: Analysis of Images Institute, Price and Quality of Service. A Study at the School Futsal Young Indonesian
Mohammad Reza Lukman Hakim, Hapzi Ali
Page no 872-884 |
10.21276/sjbms.2017.2.10.2
This study aims to examine and analyze the influence of Institutional
Image, Price, and Service Quality on Decision Choosing Futsal Young Indonesian
School either partially or simultaneously. Research data from survey in the form of
questionnaire. Sampling method used in this research is purposive sampling method,
as many as 85 respondents selected to this sample by using Slovin formula.
Quantitative analysis method using multiple linear regression analysis, followed by
determination analysis (R Square), partial hypothesis testing (t test) and
simultaneous (F test) with alpha 5 percent (0,05), before further analyzed first data
quality test and classical assumption test were performed. Analyze tool using SPSS
version 23 for windows. The results showed that the institutional image, price, and
quality of service partially have a positive and significant influence on the decision
to choose School Futsal Young Indonesian. Institutional Image, Price, and Service
Quality have positive and significant influence on Decision Choosing School Futsal
Young Indonesian either partially or simultaneously. Price has a very dominant
influence on the decision to choose School Futsal Young Indonesian. There are still
many other factors that influence the decision to choose school futsal that is equal to
38 percent which is still needed further research.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Prospect of Green Power Generation Using Rooppur Nuclear Power Plant in Bangladesh
Md. Arman Arefin, Avijit Mallik, Md. Alif Khan
Page no 364-372 |
10.21276/sjeat.2017.2.10.2
Bangladesh, a standout amongst the most crowded regions of Asia is at
present experiencing Major energy emergency. Years of unconsciousness, absence of
potential assets, labor, innovation and investment have taken the circumstance to an
emergency level. Commercial energy consumption depends on natural gas (around
70%) trailed by coal, oil and hydropower. At present there is a huge difference
between demand and generation of electricity. A step of building a nuclear power
plant named Rooppur Nuclear Power Plant (RNPP) is taken by Government to fulfill
this crying need. Bangladesh has planned to establish two Russian nuclear power
reactors in operation (Rooppur-1 & Rooppur-2). The power plant will be built at
Rooppur, 200 km north-west of Dhaka, at Paksey union on the bank of the Padma in
the Ishwardi subdistrict of Pabna District, in the northwest of the nation. This paper
discusses the prospect of green power generation using RNPP and evaluates different
parameters whether it is a proper decision or not and also provides some necessary
recommendations regarding the implementation of Rooppur Nuclear Power Plant.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Effect of Internet Banking On Financial Performance of Commercial Banks in Kisumu City- Kenya
Clare Barasa, Prof Willis Obura, Francis A. Anyira
Page no 904-912 |
10.21276/sjbms.2017.2.10.6
The purpose of this study was to examine effect of internet banking on
financial performance of commercial banks in Kenya. Internet banking under
technology acceptance model extended from theory of reasoned action entails the
inclusion of technology or information system within the operations of a bank.
Internet banking is about creating complementary distribution channels in form of
information technology. The study used descriptive survey research design. Both
quantitative and qualitative data were collected to meet the objective. The proposed
study area was Kisumu City targeting all the 34 commercial banks. A total of 11
banks were picked through a simple random sampling strategy. In addition, 5
employees were picked from each commercial bank through a simple random
sampling strategy, while 11 branch managers purposively sampled from the selected
banks. Therefore, the total number of participants forming a representative sample
was 66 comprising of 55 employees and 11 branch managers of which there was a
response rate of 92.7 for employees and 100% for branch managers. A combination
of primary and secondary sources of data was used to obtain data. The primary
sources included self-administered questionnaires and interviews. Document
analysis was used to collect secondary data. Quantitative data was analyzed using
descriptive statistics(frequency and percentages). Statistical analysis was done with
the aid of Statistical Package for Social Sciences version 22.0. All the results of the
quantitative analysis were presented in tables, charts, and graphs while the results of
qualitative analysis presented in form of themes. From the quantitative analysis, the
study established a positive effect of internet banking on financial performance of
commercial banks. The qualitative findings also established that there is a positive
effect of internet banking on financial performance of commercial banks. Based on
the findings, the study recommends that commercial banks enhance their internet
banking.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Study of the Viability of a Methanol-To-Gasoline Process for the Monetization of Stranded Natural Gas
D. Appah, B.O Evbuomwan, E.P. Uhunmwangho
Page no 358-363 |
10.21276/sjeat.2017.2.10.1
Methanol-to-Gasoline Process involves the chemical transformation of
Natural gas into usable gasoline range products. The objective of this work was to
conduct a techno-economic analysis of Methanol-to-Gasoline Process, identifying
heat integration, recycle and cost saving opportunities in the Process, and determining
the Present-day Profitability of the Process. Aspen Hysys v8.6 was used in the model
simulation, with an Auto-thermal Reformer being Used in modelling Synthesis Gas
Manufacture, and a Plug Flow Tubular Reactor used in the methanol synthesis, with
kinetic data similar to that of the commercial Cu/ZnO/Al2O3 Catalyst. The Gasoline
synthesis reactor was modelled as a conversion reactor, with 94% conversion based
on the CuO/ZnO/HZSM-5 zeolite conversion yield. It was also discovered, that
starting with 10.02MMscfD of natural gas, we obtained 1462 Barrels/day of
Gasoline, 82 Barrels/day of Methanol and 147 Barrels/day of Di-Methyl Ether. The
total Capital Cost came to $172,360,500, the Operating Cost of $21,808,945
annually, and Gross annual revenue came to $26,575,626, with annual savings of
$4,766,681. After Heat Integration and product recycle, a savings of $7,303,009 was
realized (74% reduction). The simple payback period of 36.2 years and a Net-present
value of -$94million after 20 years, indicating that the MTG process is not viable
under the present economic situation. The results of the sensitivity analysis show that
the MTG process will be profitable within the 1st 20 years when the price of natural
gas falls $500/MMscf or is completely free, or when the interest rate falls 5% or
when the inflation rate rises above 20%. The reason for its non-profitability was
discovered to be its water to hydrocarbon volume distribution, with water being
53.32% and Gasoline was 46.68%.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Accounting Information for the Determination of Financial Performance and Productivity of Production Companies in Nigeria
Joseph Fineboy I, Nwanosike Dominic U, Onwuka Izundu CC, Omeonu Obioma
Page no 931-936 |
10.21276/sjbms.2017.2.10.9
The study explored accounting information as a veritable tool for the
appraisal of the performance of production companies in relation to their
productivity and financial position. The research adopted a quasi-experimental
design. Primary data were gathered with questionnaire and the results of the
hypotheses were arrived through percentage and Spearman’s Rank Correlation
Coefficient. It was revealed that the productivity of a production company is
enhanced and sustained when the financial position of a firm is timely ascertained as
this would help the company in financing their operations for maximum output.
Besides, objective, timely, cost effective, complete and reliable accounting
information help a production company to determine its financial position at any
point in time. Based on the findings, the study recommended that effectual
accounting information would be of immense help to a company in boosting and
sustaining its productivity; the reason is that sureness of the financial position of a
production company would, to a considerable extent, assist it in taking informed and
timely decision either to continue to finance the production of a profitable product
or to discontinue the production of a product that does not add value to the firm
financially or otherwise. Finally, this would help a production firm to sustain an
appreciable level of performance and growth for its survival.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Loan Recovery Performance of Group-Based Micro Credit Finance Institutions in Delta State, Nigeria
Enimu Solomon, Eyo O. Emmanuel, Ofem I. Uket
Page no 892-897 |
10.21276/sjhss.2017.2.10.6
The study was conducted to evaluate loan recovery performance among
group-based micro credit institutions in Delta State, Nigeria using a well-structured
questionnaire and oral interview. Respondent groups were selected using stratified
random sampling technique. Primary data collected were analyzed using descriptive
statistics such as frequency distribution, table, percentage, mean and trend analysis
using bar graph and histogram. Inferential statistics such as multiple regression
analysis technique was also used. The result revealed that a total of 163,100 group
members have been reached with total savings mobilized at N2,560,126,690 and
total loan disbursed at N33,851,127,825. The mean loan repayment rate was
91.29%. The trend analysis indicated a steady rise in the amount of savings
mobilized and credit extended to groups. The result of the regression analysis
indicated that five of the estimated determinants fund size, membership size,
duration of group existence, supervision and proportion of credit repaid were
positive and statistically significant while interest charge was negative and
significant. The major constraints in loan administration by financial institutions
include government laws and regulations, lack of infrastructural facilities, diversion
of loans, delay in loan repayment, and lack of funds among others. It is therefore
recommended that group-based finance institutions should strategies on rural
savings mobilization and utilization on the rural economy for sustainable financial
inclusion.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Comparative Analysis on Managerial and Employees Perception of Human Resource Management Practices (HRMP) on Engagement
Priscilla Bempah Botwe, Dr. Enid Masih
Page no 898-903 |
10.21276/sjbms.2017.2.10.5
To achieve organizational sustainability and competitive advantage in
this contemporary business world, it requires the effective engagement of human
resource management practices and engagement of competent employees. Due to
the challenges associated in business performance as a result of employee
disengagement behaviour, it is imperative that every organization seek to stimulate
the level of employee engagement with its best practices and policies to drive an
irresistible organization that enhances the wellbeing and social wellbeing of
employees.The objective of the study was to examine the managerial perception
ofhuman resource management practices on employee engagement, to examine
employees‟ expectation of human resource management practices on employees‟
engagement. The sample size was 600 which comprised of both employees (460)
and management (140) and systematic sampling was employed for the study. It was
made known by management that, recognition and reward of employee‟s effort was
ranked as the first HRM practices which have a high relationship with employee
engagement, and employees, also ranked management-employee relationship as first
to have a perfectly strong relationship with employee engagement.. It was
recommended that, management must devise smooth strategies to continuously
improve employees‟ morale, commitment and satisfaction for their job. Effective
Human resource management practices therefore play a vital role in stimulating
employee engagement.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
The Determination of the Relationship between Narcissism Levels and Positive Thinking Levels of Athletes Engaged In Different Team Sports Branches
Ünsal TAZEGÜL
Page no 259-261 |
10.21276/haya.2017.2.7.5
This study aims to determine the narcissism and positive thinking scores of
athletes engaged in different team branches. Multidimensional Sportsperson ship
Orientation Scale and Narcissistic Personality Inventory were used as a collection
tool in the study. Portable IBM SPSS Statistics v20 software package was also used
to analyze the data. For analyses of the data, descriptive statistics and Pearson
correlation coefficient analysis were applied in the analysis of the data. As a result of
the correlation analysis carried out, it was determined that there is a statistically
significant relationship the narcissism and positive thinking scores of athletes.
REVIEW ARTICLE | Oct. 30, 2017
Managing the Government of Tanzania: Is the Fourth Regime on the Right Track in Fighting Ignorance, Poverty and Diseases?
Norman A.S. King, Farles Ilomo
Page no 913-921 |
10.21276/sjbms.2017.2.10.7
This paper deliberates the scenario of managing governments in general
and narrows to Tanzania government, specifically the administration of the fourth
regime of president of the United Republic of Tanzania, His excellence, Jakaya
Mrisho Kikwete. The paper traces the execution of the four regimes of presidency
from 1961 to 2015 and makes some examinations on the events and decisions made
during these regimes through an eye of a specialist. The study is a review in nature
and assimilates qualitative techniques in discussing and analyzing information.
Documentation, observation and experiential are the major information collection
strategies employed in the study. The paper concludes by setting four propositions:
First, that although it is evident that most fabulous practices are manifested during
the Kikwete regime yet most of them did not originate from his regime. Secondly,
that the revealed evil practices give a signal that the regime of Kikwete was
transparent. Third, that the decisions that were made by his regime of accepting
resignation of eminent ministers, signals prudence and reliability of the government.
Fourth, that the decisions that were taken to revisit the mining contracts out of the
main documents suggest courage, brilliance and objectivity of the President in
dealing with national matters. Further, that the discussion reveals that observing the
four regimes on comparative analysis, the fourth regime, has managed to best
intervene on the fundamental problems of the community namely ignorance, disease
and poverty. The challenge however, remain to be on improvement in competence
based recruitment, promotion and appointment in political and semi-political
positions. As noted by gurus of management and governance- the major problem
facing the developing countries is not on governance systems but lack of
competence based recruitment, appointments and promotion.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Environmental Risk Factors of TB Infection in Northwest Nigeria
Abubakar Garba Fada
Page no 1000-1006 |
10.21276/sjhss.2017.2.10.19
Within the last two decades, tuberculosis (TB) has shown an
unprecedented and rather unexpected re-emergence despite achievements in
immunization, provision of heath care facilities, discovery of drugs and better
understanding of the disease. The Northwest Region of Nigeria is one of those
corridors through which the transmission of the disease could be enhanced due to
seasonal migration of pastoralists serving as carriers of the disease, going by their
mobile lifestyle. This paper tried to examine the prevalence of the disease in this
area, with the aim of identifying the environmental risk factors associated with it,
among others. Data were collected using a structured questionnaire on 461 patients
receiving treatment as sample across the DOTS centres along Fulani route of
seasonal migration. Analyses were carried out using descriptive statistics and the
logistic regression while significance test was done using ANOVA. Results
indicated that ‘ever been diagnosed of lung and heart-related diseases’ had the
highest contribution in the model (B=4.943), followed by ‘ever stayed with a TB
patient’ (B=2.213) and then ‘family member ever been infected with TB’
(B=1.411). However, the ANOVA test on number of persons sleeping in a room
indicated no statistically significant difference in the means of the groups, F (15,
89) = 1.117; p = 0.354. It was concluded that contact with the index and
overcrowding play a role in the prevalence of TB in the study area and therefore
recommend further studies on individual risk factors so as to guide disease
surveillance and control.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
An Exposition of the Pension Scheme Management in Nigeria: A Case Study of South-Eastern States
Onwuka, Izundu CC, Nwanosike Dominic U, Joseph Fineboy I, Omeonu Obioma
Page no 922-930 |
10.21276/sjbms.2017.2.10.8
To retire is an inevitable event that is bound to happen to every worker in
a life time and pension scheme is to provide the employees of an organization with
the means of securing on retirement, a standard of living reasonably consistent with
that they enjoyed while in service. This is because, at old age man tends to depend
on others for assistance and survival, therefore, man has been seeking for ways to
make life in old-age meaningful and fulfilled after one has put in his active years in
service. Based on the pain, sorrow and problems of retirees in the society (Nigeria),
this work seeks to proffer solutions to this age long problem or retirement benefits.
This study was conducted using questionnaires and the data analysis for the research
was mainly descriptive, which is by the use of Chi-square method. The finding
shows that inconsistency in pension polices affect the management of pension. The
study thus, concluded that consistency, sincere and honest management of pension
fund administration will be the hope of the age long problem of the pension scheme
management in Nigeria, hence hope and for better and desirous retirement.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
A Research Paper on Information Seeking Behaviour by the Employees of the State Department of East African Integration
Josephat L.M. Odinga, Josephat L.M. Odinga, Japhet Otike, Cephas Odini
Page no 946-951 |
10.21276/sjhss.2017.2.10.13
This paper attempts to establish information seeking behaviour of the
employees of the East African Integration. The Department of East African
Community coordinates the activities of East African Community in Kenya.
Wilson (1999) defines information seeking as, "those activities a person may
engage in when identifying their own needs for information, searching for such
information in any way, and using or transferring that information". This study was
a qualitative research in nature. The participants were drawn from 200 employees
of the State department of EAC integration. The researcher employed interview
method for data collection. The researcher used purposive sampling and interview
schedules were prepared to gather information from participants. Data was
analysed thematically. The results were that employees of the State department of
East Africa integration sought information to assist them carry out their mandate
concerning integration matters and they sought information by accessing the
internet among others. It was concluded that information sought by employees of
State department of East African Integration was information related to EAC
integration process since a small proportion mainly from administrative directorate
indicated that they seek information to better them in other disciplines of interest. It
was recommended that due to lack of enough literacy skills on the part of the staff,
librarians at State department of East African Integration should mount an effective
IL programme in order to enable employees to easily access information whenever
they sought for it. It was also recommended that ICT officers, librarians and record
officers should put in place effective information retrieval tools that could assist the
employees as they sought for information that could enable them carry out their
mandates.
ORIGINAL RESEARCH ARTICLE | Oct. 30, 2017
Hospital Based Study on Perinatal Mortality in Teaching Hospital, Batticaloa, Sri Lanka
Thirukumar M
Page no 1077-1083 |
10.36348/sjmps.2017.v03i10.011
Perinatal mortality rate is an important indicator of community health status. This study is to analyze the cause of perinatal death in Teaching Hospital, Batticaloa. A retrospective study was done over a period of last three and half years from January 2014 to June 2017, which included total 21,079 deliveries out of which 204 perinatal deaths occurred, hence perinatal mortality rate was 12.51 per 1000 birth on 2014, 15.11 per 1000 birth on 2015 and 13.28 per 1000 birth on 2016. The causes of perinatal deaths and risk factors were identified and analyzed. Out of 204 perinatal deaths, majority (53.4%) occurred due to pretermwith or without associated other factors, majority (87.2%) of perinatal death occurred in maternal age of 20-39 years, and found to be more common in (64.8%) multigravida patients and majority of perinatal deaths (58.3%) occurred during early neonatal period. Early identification of mothers at risk of pregnancy complications, especially intrauterine growth restricted fetuses, through antenatal care screening, educating pregnant women to recognize warning signs of pregnancy complications, timely access to obstetric care, monitoring of labour for fetal distress, and proper newborn resuscitation may reduce some of the categories of deaths. Fetal autopsy in future could detect many unknown causes. There should also be increased communication to work closelybetween neonatology team and obstetric team to bring down perinatal mortality