This study aims to analyze service quality and institutional image of customer satisfaction and implications for customer loyalty (case study: Yadika 12 Depok Junior High School). The research data uses primary and secondary data. Secondary data was obtained from various sources such as journals, books and other related publications, as well as through school administration staff and also the vice principal of the academic field. Primary data was collected using a questionnaire distributed to respondents, namely parents and students Yadika 12 Depok Junior High School. The sampling method used in this study is quota sampling with 122 respondents. The analyst method uses path analysis using SPSS version 22. The results shown that service quality and institutional image have a positive and significant effect on customer satisfaction. Furthermore, service quality does not affect customer loyalty, while institutional image through customer satisfaction has a positive and significant effect on customer loyalty. And customer satisfaction has a positive and significant effect on customer loyalty. School management effort that can be done is to improve and develop sustainably, and maintain the quality and image of a good institution.

Study of dividend policy and stock prices in the capital market has attracted considerable interest in corporate finance literature. Theoretical postulates and empirical evidence from country specific and cross-country studies are divided across lines, as some support the existence of a positive significant implication while others submit entirely negative and non-significant implication on the studied topic. Thus, this paper examines Nigerian context of dividend policy impact on market value of quoted commercial banks with study range of 2004-2018. The study is hinged on the theoretical postulates of dividend relevance theory and Efficient Market Hypothesis (EMH). The study employed model stability test and Error Correction Model (ECM) after determining the stationarity status of the time series data employed in the study, using ADF test, while Johansen Co-integration test was used to predict the existence of two long-run co-integrating relationships among variables. The empirical result reveals a significant dividend policy impact on market value of quoted commercial banks in Nigeria. The study therefore, recommends that Central Bank of Nigeria (CBN), Securities and Exchange Commission (SEC) and the established Financial Regulatory council (FRC) to step up regulatory oversight functions to ensure transparency, business ethics and good corporate governance in the banking industry particularly quoted commercial banks in Nigeria, as this will help curtail the anxiety of investors and relatively reduce the practices of declaration of huge paper profits, insider trading, manipulation of stock prices and other nefarious acts.

Cross-border shopping represents an important concept for online cross-border e-commerce in 2020. We took place in mainland China with the covid-19 in 2019, which led to a large number of consumers buying masks globally. Many consumers will go to other countries to buy medical products such as masks and alcohol through online cross-border means. Consumers' purchase cognition, impulse purchase and illness information all lead to consumers' purchase intention and satisfaction. The public medical event caused consumers to buy masks, alcohol and other medical products in large quantities to prevent the epidemic. The results of this study show that consumers' expected purchase of goods, mainly due to the shortage of masks, indirectly leads to consumers' expected purchase of goods on online foreign e-commerce platforms. We found that consumers' expectations and perceptions lead to impulsive online purchases and ultimately to an understanding of consumer satisfaction.

The main aim of this study is to examine the variables that affect the profitability of GCC banks. The current study provides evidence of important bank-specific variables that have affected GCC banks' profitability by analyzing balanced panel data for 2011 to 2018. Data pertaining was extracted from the annual reports of the selected listed banks. This paper puts into relief the determinants of the profitability of the commercial banking sector of the GCC. The sample compresses 20 GCC banks. The paper examines internal variables (company-level indicators), which include adequacy, liquidity, credit risk, efficiency cost, net credit facilities and bank size. Panel data regression analysis is used for the analysis. Based on the empirical analysis, the cost efficiency, nontraditional revenue sources, and high asset quality are the most significant bank-specific variables, and bank managers that can use them to make future policy decisions. The model generated in the study can explain a greater than 75% change in the total variance of various measures of profitability. This paper adds to the body of knowledge by empirically highlighting the most recent and extensive panel data for the entire banking sector of the GCC. The paper uses a range of independent variables for the internal -specific variables.

Appreciation for services provided by institutions based on premiums that have been paid in accordance with the provisions or regulations of the institution. Welfare after entering the Retirement Age Limit is the expectation of the participants. Social insurance as an obligation for every citizen, where citizens have assumed the tasks they have experienced and are required to get insurance in old age. In Indonesia there are various pension management institutions in the form of SOEs and the Ketenagakerjaan Guarantee Agency. BUMN pension managers are managed by PT Taspen (PERSERO) with ASN participants, State Officials, Veterans and Non-ASN, and PT Asabri (PERSERO) with TNI and POLRI participants. Whereas in the form of a Board, it is managed by BPJS Ketenagakerjaan with participants from all BUMN and private workers. Managing agency. This study is useful to know the Effect of Premium Income and Claims Expense on Company Profit at Pension Management Institutions (PT Taspen (PERSERO), PT Asabri (PERSERO) and BPJS Ketenagakerjaan). Regression research method with a quantitative approach by collecting data by taking data in the Annual Report Audited in the companies PT Taspen (PERSERO), PT Asabri (PERSERO) and BPJS Ketenagakerjaan in 2013 to 2018. Hypothesis testing results are as much as 49.3% independent variable influences the profit of PT Taspen (PERSERO), 98.6% independent variable influences the profit of PT Asabri (PERSERO) and 34.9% independent variable influences the profit of BPJS Ketenagakerjaan.

The contemporary business environment in Benue state, Nigeria demands all Small and Medium Scale Enterprises (SMEs) irrespective of which sector they operate in to innovate in order to secure a place in the market, and Knowledge Management (KM) infrastructure is said to be one of the strategies with which firm innovativeness can be promoted. It is in view of this that this study was conducted to examine the relationship between KM infrastructural capabilities and innovativeness of SMEs in Benue state, Nigeria. The study adopted the survey design. The population for this study consisted of 1370 employees from 14 SMEs in Benue State. The research focused only on SMEs with up to 50 employees. These SMEs were selected from the three business hubs in the state (Makurdi, Gboko and Otukpo) which covers all the geo-political zones of the State. This number cut across business activities like manufacturing, food processing, bakery, table water, schools, hoteling and ICT. Through purposive sampling technique, Five hundred and eighteen (518) employees from the selected SMEs (i.e. 37 from each) made up the sample size for the study. A self-administered-adopted questionnaire was employed to collect quantitative data for hypothesis testing. Five hundred and eighteen (518) questionnaires were issued out to the respondents however, only four hundred and forty five (445) responses validly retrieved and included in analysis. Data were statistically analyzed after being collected from the field with the aid of Statistical Package for Social Sciences (SPSS, v. 21). Pearson Correlation Analysis was employed in determining the relationship between the independent variables (technological, cultural and structural infrastructures) and the dependent variable (SMEs innovativeness). Multiple regression analysis on the other hand tested the extent of effect of independent variables on the dependent variable at 0.05 level of significance. The result of Pearson Correlation Analysis revealed that all the infrastructural dimensions (technology, culture and structure) significantly relate with SMEs Innovativeness. The result of multiple regression analysis showed a higher effect of cultural infrastructural dimension followed by technology and structure with a low effect though positive. Therefore, it is recommended among others that SMEs need to double their support for the use of technological facilities and develop the desired trainings for the operation of technological facilities.

This paper furnishes a financial synopsis of BHEL through financial ratios. BHEL is India’s biggest engineering and manufacturing company of its kind occupied in the design, engineering, manufacture, construction, testing, commissioning and servicing of a wide range of products and services for the core sectors of the economy, viz. Power, Transmission, Industry, Transportation, Renewable Energy, Oil & Gas and Defense. Ratio analysis is one of procedure used to measure the financial position of the company in the four main characteristic liquidity, solvency, turnover and profitability. The main goal of this paper is to interpret the financial performance of BHEL, along with BHEL’s financial performance is compared with its peers BMEL, L&T, PUNJLLYOD, THERMAX can be understood.

The purpose of this research is to identify the key determinants of employee engagement and their predictability of the concept. Moreover, it also studies the impact of employee engagement on employee performance. Causal research was done to study the impact of relationships. A survey questionnaire was developed. Simple random sampling was used to gather the data from employees of lower managerial level and middle managerial level from the small-scale organization. The data was collected from 190 out of which 148 respondents were finalized. Regression and correlation were used to predict and estimate relationships. It was found that all the factors identified were predictors of employee engagement. The variable such as working environment (r square = 0.223), leadership (R square=0.275), and teamwork and peer support (r square=0.194) have a significant impact on employee engagement. Moreover, employee engagement has no significant impact on employee performance (R square= 0.008).