About Journal

The Journal of Contemporary Issues in Business and Government is an open-access, peer- reviewed international journal dedicated to the exchange of original scholarly research that informs business decision making and/or government policy. The journal is cross-sectoral, interdisciplinary and eclectic, and contributions are welcome across a wide range of research methodologies (e.g., theoretical or empirical, using either quantitative or qualitative methods) and topics.
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Journal Information

The Impact of the banking digitalization indicators disclosure on the market value of banks listed on the Egyptian Stock Exchange: An Applied Study

Dr. Alaa Fathy Zohry, Dr. Ahmed Mohamed Ibrahim Fadel, Dr. Asser Ahmed Khamis

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1-30
DOI: 10.47750/cibg.2021.27.06.001

This research investigates the Impact of the banking digitalization indicators disclosure
represented in the quantitative and financial indicators on the market value of the banks
listed on the Egyptian Stock Exchange, using the (Tobin's Q) model. To achieve the
research objective, the descriptive-analytical method was adopted, in addition to using
the data collected from the published financial and sustainability reports of the banks or
those which were available on the banks’ websites, as well as the reports of the Central
Bank of Egypt and the Egyptian Stock Exchange relating to the study sample. The
sample consisted of (11) banks listed on the Egyptian Stock Exchange, and the study
was conducted over (5) Quarterly periods from January 2020 until the end of March
2021.

The Impact Of Applying Value Added Tax (VAT) On Cooperate Sales

Dr Khaled Omair Alotaibi

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 31-54
DOI: 10.47750/cibg.2021.27.06.002

The following study analyses the impact of a multidisciplinary strategy to lower the VAT levels
for food classes that equals 15% on the economy. Effects on food market rates, volumes of food
demand, government expenditure value-added tax income, consumer and producer gains as well
as inflation were evaluated. The effect of the equation decreases the amount of market prices of
food by decreasing The Value-Added tax ratio while the reduced estimated price is not
commensurate with the decrease in the value-added tax rate. The reduction of the value added
tax rate contributes to a marginal rise in sales of food. Simultaneously, decreasing the Value-
Added tax ratio lowers VAT income in the government budget, although the overall population
income exceeds the reduction a little.

Aligning Developmental Programs to Implement SDGs in India: Challenges and the Way Forward

Prashant Kumar, Kishore Kumar, Shephali Mathur, Meenakshi Singh

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 55-64
DOI: 10.47750/cibg.2021.27.06.003

United Nations Agenda 2030 for sustainable development provides seventeen sustainable
development goals (SDGs) to be achieved by 2030. India also committed to SDGs and signed the
declaration to implement SDGs in the year 2015. India being home to one of the largest poor
population in the world, the success of Agenda 2030 to large extent depends upon how India
implements and achieves its SDGs targets. To this end, the Government of India has integrated
SDGs with the national policy framework to achieve the targets of SDGs. Now, the development
agenda of India primarily focus on five P’s- People, Planet, Peace, and Prosperity & Partnership.
The present study provides insights into the progress being made by India to achieve SDGs
through the review of various development programs. This paper maps various government
schemes and development programs being implemented to achieve SDGs in India. Further, the
paper also presents key bottlenecks and execution challenges to implement and achieve SDGs
targets in India.

Analytical study of some Scholars’ Views about Prohibition of Interest (A Review of You Tube Videos

Dr. Abdul Quddus Suhaib,Dr.Tariq Mahmood, Muhammad Akash Malik

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 65-73
DOI: 10.47750/cibg.2021.27.06.004

This paper investigates about the prohibition of interest in Islam. In this paper, an analysis of some scholars’ views on YouTube videos regarding riba and interest is presented in a brief manner. The purpose of this paper is to discuss about the prohibition of interest and to find the difference of opinion among the Muslim scholars of different countries. In this way, it will become clear that, why interest is prevailing everywhere whether the society is an Islamic or non- Islamic society. Similarly, its popularity and grip over modern business and financial institution can be easily imagined. And from this, it will become clear that why the rich is becoming rich and the poor is becoming poorer.  In short, this paper is actually an analytical study of some Muslim scholars’ views that are presented and delivered on social media that is easy and fastest source of the present era for spreading any message and thoughts.

Education, Poverty, and Unemployment: A Way Forward to Promote Sustainable Economic Growth in Pakistan

RuqiaShaheen Najma Yasmin Noreen Safdar Fouzia Yasmin Sabila Khatoon

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 74-85
DOI: 10.47750/cibg.2021.27.06.005

Research at hand used a generalized method of moments (GMM) to examine the relationship between economic growth, education, poverty, and unemployment in Pakistan. The study has looked at four different ways to analyzed and compared them with the growth path of Pakistan for the period under study 1990-2020 by providing the integrated approach. This research concluded that education hasan impact on unemployment and poverty, and all have an impact on economic growth in the long run. It shows that there isa fundamentalassociation betweenthe gross domestic product (GDP) and poverty (POV) and amongEducation enrollment. The findings of the research confirmed the positive effect of Education, Trade on economic growth, and unemployment have a negative influence on determining economic growth. This study is of particular concentration topolicymakers as it helps to formulate comprehensive economic policies to support economic development.

Barriers to women's economic empowerment in Iraq

Dr. Salam Al Shamy Marwa Abdel Rahim Abbas

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 86-98
DOI: 10.47750/cibg.2021.27.06.006

There is small percentage of women in labor force in Iraq, despite their high proportion of the population.
The matter explains this phenomena is the nature of the rentier economy and neglecting of state
institutions as a whole to create a work environment ready to motivate and encourage women in different
their lives stages on paid work and continue to do by their whole activity. This ratio of productivity
work force declines and enhances the role of Iraqi oil sector in economy movement resulted in creation
weak economy depends on increases or decreases of growth rate occurs in oil revenues, in other words
on the fluctuations in global oil prices. To get rid of the consumption pattern of population over the age
of 15 at the expense of style production distinguishes developing countries in general and Iraq in
particular, there is a set of procedures operating on optimum utilization of human capital contribute to
change the course of the economy towards sustainable development requirements of justice in the
distribution of income and achievement high savings rates also investment product for new job
opportunities while maintaining the ability of future generations to achieve development. One of these
procedures enacting laws, amending and cancelling other laws, commensurate with achieving increasing
the productivity of the bulk of the workforce goal besides the use of the budget gender-sensitive and
public procurement policies to eliminate unequal access to economic resources between males and
females.

Maritime Trade and Pakistan’s Merchant Marines

Syed Husnain Haider, Dr Uzma Naz

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 99-107
DOI: 10.47750/cibg.2021.27.06.007

Being a maritime country, Pakistan is facing challenges and difficulties to take advantage of
the resources of the ocean effectively. In the past, there is no strong footing and attentions have
given to the maritime industry. Whereas the ocean trade has might become the backbone of
Pakistan's economy. The Private and government shipping companies and the Maritime
industry can boost the economic process of Pakistan. It is a need of time to pay attention to
effective maritime policies and built the infrastructure for direct foreign investment. 80 % of
Pakistan's trade volume is done through the ocean and a major part of this trade is through
international shipping companies. New shipping business policies must be business-friendly.
Provide opportunities to the Private and Public sectors both to explore the offshore resources.
Provide facilitation to the tourism and hotel industry on the seashore can play a significant role
in the maritime industry.

Strong religions and challenges of globalization

Christine Carmela R. Ramos, PhD

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 108-114
DOI: 10.47750/cibg.2021.27.06.008

The paper seeks a comprehensive philosophical understanding of "fundamentalism." Often
discriminately associated with the Muslims vis-à-vis terrorism, the paper might eventually be of
use to clarify the relationship between Muslims and Christians, as well as with other
denominations. The author believes that the philosopher should be alarmed to what the media
call the new level of "commodity fetishism" presents to the rest of the world toward (or against)
a particular religion, and should rather maintain open roads to dialogue as well as an honest
examination of one's own beliefs. The research covers cultural as well as social issues shaping
religion and more importantly, favors ideas over ideology in its discussions.
Sadly enough, fundamentalism is itself a challenge, far more difficult to understand, nonetheless,
the paper highlights fundamentalism in discussing and analyzing strong religions, the question of
violence, and enclave culture. The methodology is based on analysis, observations, and insights
entwined with the comparison of religions. This article does not just aim to limit itself to a
particular dialogue between the Muslim and (or versus) Christianity, but would also attempt to
include other beliefs of other parts of the world that would be as essential in comprehending
larger issues about one's faith.
The paper places the bottom line over the higher ideals of fundamentalists empowering
themselves by serving as an authority for a united front in bringing about a religious renaissance
amidst the fast-changing realities of the 21st century. Only by overcoming distrust and
discrimination, as well as maintaining inter-faith dialogues can an authentic path towards peace,
moral and social recovery could be realized.

How to reduce financial costs using renewable energies in developing countries

GholamrezaRezaei, Esmaeilvalizadeh, Nader Kashani

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 115-128
DOI: 10.47750/cibg.2021.27.06.009

A unique position is given to developing countries in achieving the socio-economic and
environmental benefits of renewable resources as a means of adapting to energy demand in a
sustainable way. Implementation of sustainable activities in developing countries have proven
to be challenging, at least as much as in developed countries.The difficulty of attracting
adequate and cost-effective investment is considered as one of the major barriers to implement
renewable energy technologies in developing countries.This study examines the impact of
investment costs on the prospects for renewable energy generation in developing countries. The
present study presents a comprehensive analysis of developing countries, six renewable energy
technologies and three fossil fuel-based power generationtechnologies. Accordingto the results,
there are significant cost changes and a range under which renewables are deprived by current
financial activities.The energy-economic model is used to illustrate how reducing financial
costs improves the implementation of renewableresources. Also, according to the results of this
study, climate policies reduce financial costs for renewable resources, which is an effective way
to reduce greenhouse gas emissions.This study introduces new perspectives by using different
scenarios to develop energy investment in developing countries and presents several
conclusions for renewable energy policy makers and related projects developers and provides
solutions for energy analysis and investment modeling.

The role of public-private partnerships in attracting investment projects in the transport sector

Shodieva Gulnora Mardievna, Shakirova Farogat Boltaevna

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 138-145
DOI: 10.47750/cibg.2021.27.06.011

The article examines foreign mechanisms of public-private partnership
as the most effective form of public-private partnership, the possibility of effective
organization of public-private partnership in the transport sector and the
implementation of investment projects to ensure sustainable economic growth,
draws conclusions, proposals and recommendations. out

WAYS TO IMPROVE THE METHODS OF CALCULATING TERRITORIAL INDICATORS OF THE NATIONAL ACCOUNTING SYSTEM

Mambetjanov Qahramon Qurbandurdievich, Abdullayev Suyun Artikovich

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 146-153
DOI: 10.47750/cibg.2021.27.06.012

This article presents the essence of the calculation of GRP and its
features, the main problems of its application in the statistical system of Uzbekistan
and ways to eliminate these problems, as well as scientific proposals and practical
recommendations for improving the computation of GRP.

A Systematic Approach to Smart Agriculture Using Iot Initiative

S.ShyamMoha, Moola Ramu, K. Venkata Reddy

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 154-158
DOI: 10.47750/cibg.2021.27.06.013

Environment changes and normal precipitation has been extremely powerful over last decade.
Because of the present circumstance, environment keen techniques called as shrewd horticulture is received by
farming area. Brilliant horticulture is a robotized and coordinated data innovation carried out with the IoT.
IOT is growing quickly and broadly applied in every single remote climate. In this paper, sensor innovation
and remote organizations mix of IOT innovation has been examined and evaluated dependent on the real
circumstance of rural framework. A consolidated methodology with web and remote interchanges, Far off
Checking Framework is proposed. Significant goal is to gather constant information of horticulture creation
climate that gives simple admittance to farming offices like alarms through Short Kneading Administration
and advices on climate design, crops and so on.

THE EFFECT OF HUMOR ORIENTATION ON TEAM PERFORMANCE WITH MEDIATING ROLE OF WORKPLACE BULLYING

Sadia Aslam, Sheraz Munawar, Maira Sumal, Zeeshan Khan, Dr.Muhammad Wasim Akram

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 159-170
DOI: 10.47750/cibg.2021.27.06.014

Workplace bullying is associated with a host of negative outcomes for the worker who is the
target of bullying, as well as for the organization where the bullying occurs. Moreover, the rates
of bullying are particularly high in media houses; however, we are less familiar with the factors
like humor orientation that may reduce workplace bullying in media houses. Thus, this study was
conducted to determine the effect of humor orientation on team performance with mediating role
of workplace bullying. Ego depletion theory has been followed in this paper where a quantitative
deductive approach is used for the collection of the data from 200 respondents of Pakistan media
houses based in Islamabad. A cross-sectional study is used for this study. Statistical Package for
the Social Sciences (SPSS) is used to examine the hypotheses. The results of this study indicate
the significant effect of humor orientation on team performance and non-significant relationship
between workplace bullying and team performance. A recommendation for future research is to
examine whether this outcome can be recreated in different nations around the world. Another
proposal is to test workplace bullying effect on project success.

DEMOCRATIC CONFLICT AND CONSENSUS:AN ANALYTICAL STUDY OF GENERAL PERVEZ MUSHARRAF ERA 1999-2008

Siraj Ahmed Soomro, Professor Dr.Imdad Hussain Sahito, Professor Dr. Amir Ahmed Khuhro

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 171-181

This study finds the conflicting political issues during General Pervez Musharraf's (GPM) era
and examines how he dealt with political conflicts and developed political consensus among the
political elites. Variables of this study/survey are General Pervez Musharraf, Conflict,
Consensus, and Political Elites. A questionnaire was developed, which distributed 500
University faculty members of Pakistan. Out of 500 received respondents were 252, which is
50.4%. Research hypothesis tested on Statical Package for the Social Sciences (SPSS). The
outcomes associated with General Pervez Musharraf's consensus policy for political elites. A
significant contribution of political elites develop consensus and eradicate conflict on Lal Masjid
conflict, Kala Bagh Damconflict, declaration of emergency. From both a theoretical and a
concrete viewpoint of General Pervez Musharraf's political past has important implications on
the politics of Pakistan. This research adds to the body of information for future historians by
incorporating sound scholarly literature. The results of this study can also be helpful for
academicians, scholars of social sciences. There have been studies carried out to determine the
influence of military governance on elite politics and how it affects General Pervez Musharraf's
political consensus.

Theme of Some Scholars’ Views RegardingWomen Education in Islamon You Tube Videos

Dr. Tariq Mahmood

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 182-187
DOI: 10.47750/cibg.2021.27.06.016

This paper presents analysis of scholars’ views about women education in Islam. The purpose of
this paper is to highlight the real status of women education in religion Islam so that, those
people consider Islam as a conservative; they could understand the reality about Islam. The fact
is that Islam not only provided rights first from all other religion but it also promoted the status
of woman in the societies. Anyhow, importance of education in Islam may be imagined from
this, the first revelation was started with the word ‘ Iqra’ (read) but unfortunately followers of
Islam are lack behind in field of education. Therefore, in this paper, rather than written material,
spoken words of different scholars are analyzed to present Islamic point of view regarding
women education. Most of scholars opine that women education is important than education for
boys. But boys are preferred more for education than education for girls. Anyhow, in this, some
scholars have stated that worldly education of high level institutions is the preference of the rich
while the children of the poor read in religious madaris or government, Urdu medium
institutions. This is why the difference between two types of qualified persons is increasing day
by day especially in job markets also where educationists of Urdu medium remain lack behind
than the English medium qualified educationists. Anyhow, this paper presents theme of scholars’
views regarding women education in the light of Islamic teachings and the importance of women
education for family and society building and reasons of backwardness in present era especially
in the education sector. In short, this paper elaborates the real picture of Islamic teachings
regarding women education in the light of some famous/ eminent scholars for inhabitants of
Muslim countries is proposal to stress for women education for improving their standard.

Do Political Instability and Size of GovernmentimpactEconomic Growth in Pakistan: New Insights from Tada and Yamamoto Causality

Sehrish Iqbal,Fouzia Yasmin, Nazia Nasir, Noreen Safdar

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 195-207
DOI: 10.47750/cibg.2021.27.06.018

Present research explores the role ofthe size government in economicdevelopment. The
research endeavors to investigate the impact of political instability, size of theGovernment on
economic growth in Pakistan. The data on political instability iscollected from Integrated
Network for Societal Conflict Research and the indicator forthese variables is Polity II. Data
for the size of the Government is taken from theEconomic Freedom of the World Annual
Report (2019). The annual time series data covering the period of
1976to2018forempiricalanalysis. ARDL and thegrangernon-causalityTota-
Yamamotoestimation techniques have been used for empirical estimation. It was concluded that
political instability has inverse impact on economic growth. The size of the government as
measured by index and reduction in political instability have positive impact on economic
growth. It was suggested to enhance the role of the government to promote economic growth
that further led to economic growth.

RELATIONSHIP BETWEEN THE COMPONENTS OF HEAD NURSES MANAGEMENT CAPACITY AND INFLUENCING FACTORS: A CASE STUDY IN VIETNAM

Nguyen Van Uy, Thai Thi Kim Oanh, Nguyen Thi Ngoc Huyen

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 208-220
DOI: 10.47750/cibg.2021.27.06.019

The study is based on Chase 1994's approach to management capacity of head nurses and uses
linear regression analysis to determine the relationship between the components of head nurses'
management capacity with other influencing factors. The results show that factors such as age,
seniority of management, degrees, seniority of work, and management degrees explain 39.1% of
the change in professional capacity and 56% of the change in professional competence
explaining 52% of the change in thinking ability, explaining 33% of the change in leadership
skills and explaining 34% of the change in management skills of financial management. The
relationship between management seniority and professional skills is statistically significant and
negatively correlated. The relationship between qualifications, working seniority and human
resource management skills is statistically significant and positively correlated. The relationship
between qualifications, management degrees and thinking skills of head nurses is statistically
significant and positively correlated. In addition, the research results also show that the
relationship between the influencing factors and the components of the management capacity of
head nurses is not statistically significant.

Revisiting the Dynamic MacroeconomicEffects of Real Exchange Rate and Economic growth: Application of Structural Vector Autoregressive (SVAR) Analysis

Najma Yasmeen, Fouzia Yasmin, Noreen Safdar, Sabila Khatoon

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 221-237
DOI: 10.47750/cibg.2021.27.06.020

This research study endeavor to inspect the influence of real effective exchange rate on level of
real GDP consumer price index (CPI) by using restricted VAR (VECM) econometrics approach
for Pakistan economy over the period 1980-2020. We examined the bivariate relationship
between real effective exchange rate and level of real GDP. It was concluded a negative
correlation between these two variables. Thelong-term interrelationship among real effective
exchange rate, CPI price level, and level of real GDP has also been examined by employing
Johansen co-integration. By utilizing various VECM models we have found the long-term
causality (A) from CPI price and level of output to the real effective exchange rate, and (B) from
the real effective exchange rate, CPI price level `and level of real output to M2 money supply
and (C) from the real effective exchange rate, M2 and real output level to CPI price level. The
money supply (M2) growth has a very strong positive impact on both levels of real GDP and CPI
level.

The responsibility of the international community in preventing widespread human catastrophes in powerless governments

SepantaMojtahedzade, Yasaman Shiri

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 238-250
DOI: 10.47750/cibg.2021.27.06.021

In the contemporary world, there are governments that are unable or unwilling to perform their
functions as a government. In fact, they have fundamental problems in providing public services
and establishing welfare and security in their territory, hence the economic and political
dissatisfaction in this Territories lead to ongoing civil strife, which in turn provides a breeding
ground for catastrophes such as genocide and war crimes. Given the imminence of widespread
human catastrophes in these lands and the undeniable international consequences of these crises,
the prevention of such catastrophes is one of the topics that should be given more attention
because of course prevention is always better than treatment after a catastrophe. Unfortunately,
this has been neglected in the field of international relations. Therefore, in the present article,
with the help of research methods, while explaining the reasons for the need for effective action
of the international community to prevent human catastrophes in the domestic territory of
countries, we offer realistic and even practical solutions to prevent the occurrence of these
problems. Let's take a step towards solving one of the most important challenges and obstacles in
establishing global security.

A STUDY ON THE SOCIAL RESPONSIBILITY OF CONSUMERS WHEN PURCHASING HOUSE HOLD ITEMS DURING LOCKDOWN PERIOD IN COIMBATORE DISTRICT

Dr.Anish.K, Dr.M.N. Sasirekha

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 251-267
DOI: 10.47750/cibg.2021.27.06.022

The aim of this research is to investigate the social responsibility of the consumers and their
intentions while purchasing household items during lockdown time. The COVID-19 pandemic
has forced to shut down all the regular activities and move onto online platform. But due to the
lack of consumer adoption to the online grocery market, peoples were forced to purchase
provisions and household items by approaching the nearest grocery shop. We conducted a survey
among 532 respondents living in Coimbatore District, using google forms to study the consumers
General Awareness about COVID-19, their opinion on Sense of control and also on their
survival mode. Based on the analysis, findings the researcher has given relevant suggestions. The
statistical tools used are Percentage Analysis, one way ANOVA, Z-Test and Chi-Square.

Experiences of Medical Team on Perceived Social Support during Covid-19 Pandemic :A Qualitative Study

Sareh Farshadfar, Masoud Hatefi, Amir Hosein Meisami, Milad Borji

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 268-275
DOI: 10.47750/cibg.2021.27.06.023

Background:COVID-19 disease is a new disease that is very important how Informing the patient
about it. This study was conducted with the aim of investigating the experiences of the nurses’ staff
on how to inform the patient to get infected with COVID-19.
Methods:Twelve health care providers (8 nurses and 4 anesthesiologists) in a educational and
medical center in the city of Ilam in From February to June 2020participated in the study with
purposeful sampling. Semi-structured interviews were used to collect data, and the study began with
the open question,"Describe your experience of identifying the disease in patientswith COVID-19".
To analyze the data, the conventional qualitative content analysiswas performed.
Results: Participants in this study included 12 medical personnel, of which 7 (58.4%) were male
and 5 (41.6%) were female. Based on the findings, 2 main themes and 7 sub-themes were extracted.
The main themes extracted from this study include A) Passing the patient of the purgatory
ofCOVID-19 diagnosis including four sub-themes: 1) Waiting for a diagnosis, 2) Announcing
stepbystep the diagnosis, 3) giving information, 4) acceptance or resistance; B) Entering the
important others to the purgatory of COVID-19 diagnosisincluding three sub-themes: 1)Entering the
key family members, 2) Entering the physician, 3) Entering the relatives working as medical staff.
Conclusion:Diagnosing the disease of COVID-19 is like a purgatory for patient and staff. To help
the patient get through this purgatory, important others are introduced by the staff. Eventually the
patient either accepts the disease or resists accepting it.

Effect of Financing on the Productivity of Small and Medium Enterprises (SMES) By Directing the Part of Islamic Money

Ashique Ali Lashari, Professor Dr.Ambreen Zeb Khaskhelly, Professor Dr.Albeena Mirza

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 276-287
DOI: 10.47750/cibg.2021.27.06.024

Small and medium ventures (SMEs) are vital for the advancement of the nation's economy,
understanding the consideration of governments and legislators in created and non-industrial nations.
In Pakistan, SMEs assume an essential part in monetary development. It is in this manner fundamental
that SMEs reserve the privilege to utilize wellsprings of subsidizing. The investigation utilized the
quantitative methodology accomplished through review surveys. 200 SMEs and 70 bank offices were
chosen in Pakistan's Faisalabad area to answer surveys on their financing models and the impacts of
Islamic financing as a mediator of their fixed resources, for the creation and kept financing of
resources. The investigation showed that fixed resources, financing of set up and current resources had
a positive relationship with SME development and Islamic types of financing did not act as mediators
in the city of Faisalabad in Pakistan.

IMPACT OF TEACHERS’ SOCIO-ECONOMIC STATUS ON THEIR STUDENTS’ ACADEMIC PERFORMANCE

Eiman Bhatti, Qurat-ul-ain, Dr. Rifat Tahira

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 298-307
DOI: 10.47750/cibg.2021.27.06.026

The study was conducted to see the impact of teachers’ socio-economic status on their students’
academic performance. The Study was descriptive in nature and survey method was employed
to gather the desired data to fulfill the objectives of the study. Elementary school level teachers
were the population of the study. After reviewing the literature, questionnaire for teachers’ was
designed. Six hundred and 28 teachers fromelementaryschool levelwere selected randomly.
Gathered data were systematically arranged, and coded for the purpose of analysis. Arranged
data was analyzed by applying the descriptive and inferential statistics. Frequencies and
percentage was extracted for descriptive statistics and one way ANOVA was employed to find
the impact of teachers’ SES on their students’ academic performance. Major findings of the
study revealed that their teachers’ qualification, monthly family income and level of institution
also influenced on the performance of their students. On the basis of findings it was suggested
that educational institutes should arrange the behavior modification trainings for teachers and
take the responsibility to improve teachers socio-economic status.

Nonverbal Communication (NVC) and teacher presence in collaborative online learning

Dr. Muhammad Tariq Bhatti, Dr. Roshan Ali Teevno

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 308-316
DOI: 10.47750/cibg.2021.27.06.027

Communication process requires a powerful combination of verbal and nonverbal process
that is one of the abilities that every teacher needs to master. In communication, the
estimation of sixty-five to seventy percent of the message is received by nonverbal and
only thirty to thirty-five percent by verbal communication. This research seeks to analyze
the effect of nonverbal communication by secondary teachers on the motivation and
presence of students in a collaborative online learning environment. The information was
gathered by questionnaires and interviews from both instructors and learners. The results
showed that Nonverbal Communication can be an essential source of inspiration and
attention for the learning process of students and a medium to attract their attention.
Relying on the research outcomes that show the important role of Nonverbal
Communication (NVC) in the teaching and learning process teachers by using the
appropriate NVC types, eventually play a critical role during online collaborative teaching
which can affect students’ motivation and higher collaborative learning participation. In
order to accurately convey learning content to students, teachers will have to improve and
expand positive interactions.

The Financial Literacy of Women Owners of Small and Medium Scale Enterprises in Sri Lanka

P A N S Anuradha

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 317-330
DOI: 10.47750/cibg.2021.27.06.028

The success of the small and medium-sized enterprises depends extensively on the owner’s
ability to be financially literate in managing finance-related matters of the business,
irrespective of his or her gender. The purpose of this study is to identify the level of financial
literacy of the women owners of small and medium sized enterprises in Sri Lanka. The
construct ‘financial literacy’ was measured based on five dimensions, which are finance
related awareness, financial planning, bookkeeping and accounting, knowledge about
business terminology, risk management, and diversification. The convenience sampling
method was applied to select 242 women owners from the population involved in Women
Entrepreneurs Finance Initiative in Sri Lanka. Data was collection was conducted using a
structured questionnaire, complemented by over-the-telephone and personnel interviews, to
assess the level of financial literacy among the women owners of small and medium-sized
enterprises in Sri Lanka. Descriptive analyses were used for the data analysis, at the end of
which the study identified a moderate level financial literacy among the women owners of
small and medium-sized enterprises in Sri Lanka. From the five dimensions chosen, the
knowledge on bookkeeping and accounting, risk management, and diversification are the
aspects that women entrepreneurs need to become experts in for the success of small and
medium-sized enterprises. As the pioneer study that examines the level of financial literacy of
women owners of small and medium-sized enterprises in Sri Lanka, this study would provide
a significant benchmark for further research in the field. Nevertheless, the study also
highlights the importance of including financial literacy education both for primary and
tertiary educational institutions.

Improve Customer Retention through Service Quality Attributes in the Restaurant Industry of Pakistan

Nazish Baladi, Paras Bashir Channar, Liaquat Ali Rahoo, Tanveer Ahmed, Muhammad Ali Khan

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 331-340
DOI: 10.47750/cibg.2021.27.06.029

Customer retention performs a vital part in the progress of a restaurant industry. It is more difficult to acquire a new customer than to retain an old one. The loyal customers are always beneficial for the restaurant business that increases profitability and decrease loss or risks. Research suggests that most of profits is gaining through mere 5% increase in repeat customers. Customer retention does not only increase profitability, but it also enhances marketing of restaurant through positive word of mouth. There are so many factors that pursue a customer to
return but this study is only focused on the service-related factors. The purpose of this paper was to examine the impact of service quality attributes in order to maximize or improve the customer retention in the restaurants of Pakistan. Ten service quality attributes are selected to examined. A close ended questionnaire was designed and distributed to the various restaurants of Pakistan. The key dimensions of service quality attributes and customer retention were identified through literature. The data collected (100 valid questionnaires) were analyzed using SPSS. The data is analyzed through pie,bar charts and One  way ANOVA. The findings showed that customers are revisit the restaurant in the Pakistan is due to appreciable dinning environment with basic facilities. However, the major barrier that create hindrance in the customer retention or customer loyalty is the waiting time. Most of restaurants took too much time to deliver the order that demotivate customers to come again.

IMPACT OF RISKS ON IJV PERFORMANCE IN PAKISTAN: MEDIATING ROLE OF EMC

Faisal Zaman Khan, Kamran Iftikhar, Hina Gull Durrani, Ujala Siddiq

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 341-353
DOI: 10.47750/cibg.2021.27.06.030

The ongoing growth of the infrastructure development and construction industry in Pakistan in
recent years has attracted foreign investors and firms to undertake Joint Ventures (JVs) in this
emerging market, especially in the context of CPEC. The IJV paradigm is however quite
complex and it is a general perception that usually the performance of JVs remains below the
desired expectations. International construction businesses usually embody grave social,
economic, and political implications in developing countries like Pakistan, where the problems
of IJVs become more accentuated due to a host of other external as well as internal factors.
Besides being an emerging trend, very few studies are available with regards to IJVs
performance in Pakistan.
This research is hence aimed at (1) Exploring the impact of Environment, Project and Partner's
Risks on IJVs performance (2) Develop a matrix for explaining the impact of risk factors and
mediating role of Effective Management Control in IJV paradigm (3) To test the postulated
hypothesis through quantitative methods. For this, a questionnaire-based survey has been
conducted in which the feedback and perceptions from local and foreign firms and professionals
have been recorded and analyzed using SPSS software. The study finds out that there are
negative effects of Risks on IJV performance however, with Effective Management Control, the
impact of risks are mitigated.

Civil liability of electricity companies arising from electrocution cases

Dr. Nasir Albala'wi .

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 354-359
DOI: 10.47750/cibg.2021.27.06.031

The aim of this study is to identify the basis of civil liability arising from the
electrocution of electricity companies as guardians of their electrical installations, which
are among the things that require special attention according to the Jordanian Civil Law.
A distinction is made between responsibility for personal action, responsibility for things
and the burden of proving responsibility. There are many and many cases of stunting, and
the forms of error and the responsibility are also mixed. Whereas, the Jordanian legislator
did not deal with this case and left it to the general rules, which makes it difficult to
deduce its elements. Therefore, the study found that the Jordanian legislator established
responsibility for the personal act on the basis of the damages, and did not base it on the
fault. And that the Jordanian judiciary took the principle of actual guarding of something
and not the principle of legal guarding. The study recommended the necessity of
individuals with special provisions dealing with the civil liability of things with the
General Electricity Law and amending the provisions of the Jordanian Civil Law to
include a special standard to distinguish between responsibility for personal action and
responsibility for things.

ADDRESSING THE POOR AKHLAK OF CHILDREN FROM THE PERSPECTIVE OF ISLAMIC EDUCATION TEACHERS: A CASE STUDY

Nik Md Saiful Azizi Nik Abdullah, Siti Adawiah Din, Rabi'atul Athirah Muhammad Isa

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 360-376
DOI: 10.47750/cibg.2021.27.06.032

School children nowadays are facing moral decay and the issues of akhlak. This study attempted to investigate the issue of akhlak development among school children raised by single parents at a primary school and topropose ways of addressing the harmful effects of single parenting on students’ akhlak. The study employed a qualitative method in which data were collected via in depth interview. The respondents of the study consisted of two Islamic education teachers. Generated in the form of interview transcripts, the data were thematically analysed in addition to the observation notes, resulting in the identification of several themes and subthemes. The findings revealed that the prevailing themes in relation to the effect of single parenting on children’s akhlak include role of teachers, school initiatives, peer influence, parental involvement. The teachers, on the other hand, recommended strategies which consider teachers’ role such as implementation of targhib and tarhib method according to the Qur'an,make the Prophet PBUH as the best role model, taking ibrah from al-Quran by storytelling and implement the process of ta’aruf, tafahum, ta'awun and takaful. Besides school initiatives, peer influence and parental involvement also play a role to effectively address the subject of akhlak deterioration among the school children. The findings of this study are beneficial to relevant stakeholders such as teachers, parents, and the students themselves in addressing the harmful effects of single parenting on students’ akhlak.

The Accounting Environment And The Development Of Financial Reports In Commercial Banks Of Pakistan

Mrs Arifa Kasi, Nazia Barkat, Asma Abdul Khaliq, Syed Khalil Ahmed, Asif Iqbal

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 377-388
DOI: 10.47750/cibg.2021.27.06.033

The accounting environment plays a vital role in the banking sector. The present paper
explores the predictive power of the accounting environment in developing financial
reports. The commercial banks of Pakistan are selected as the study context. The study
employs a deductive approach which is handled through a path analysis. The findings
of the study show a significant and positive effect of the accounting environment’s
constructs like liquidity, financial leverage (FL), profitability, earnings management
(EM), corporate governance (CG) and company life cycle (CLC) on the accounting
environment (AE) in the commercial banks of Pakistan. The findings of a study would
further provide the guidelines to policymakers and planners in developing the
conducive AE, which would increase the profitability and CLC. Moreover, the study
outcomes would contribute to the domain literature, i.e. finance, management and
banking in the context of financial reports development.

Fiscal implications for Rural-Urban Poverty of Pakistan

Safdar Ali, Khalil Ahmad, Muhammad Shahid,Muhammad MudassarNaushahi

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 389-402
DOI: 10.47750/cibg.2021.27.06.034

In this study, we try to investigate the fiscal policy empirically inquiry for overall and ruralurban
poverty for Pakistan. Fiscal policy has so many economic and social implications for
every country of the world, including stable economic development, employment
opportunities, and poverty evaluation among others. Generally, supply-side and demand-side
fiscal policy tools are utilized to achieve economic and social improvement. The time-series
data is employed from1980 to 2019. To test for both short-run and long-run relationships
between fiscal variables and poverty, the Autoregressive distributed lag model (ARDL) is
adopted. Pakistan is an important case study because of the emergence of dual rural
agricultural traditional and urban modern industrial sectors. The empirical investigation
shows that government expenditure and per capita growth have a negative and significant
impact on an aggregate and rural-urban poverty. Inflation and public tax have a positive
impact on all tiers of poverty.

LOCAL MARKETING IN TOURISM DEVELOPMENT: CASE STYDY IN PHU THO PRONVINCE, VIETNAM

Huong Thi Thu Pham, Nga Thi Pham, Tran Thi Thuy Sinh

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 403-419
DOI: 10.47750/cibg.2021.27.06.035

This study aims to analyze and evaluate the current situation of applying local marketing in
tourism development in Phu Tho. The study uses primary and secondary data sources collected
through a survey of 150 tourists to assess the local marketing factors that attract tourists in Phu
Tho province. Research results have shown the destination image, attractiveness, tourism
products, tourism products, prices of tourism services, promotion, tourism infrastructure, social
environment, quality of tourism human resources of Phu Tho province which are evaluated well
by visitors. However, there are still aspects that need to be improved, such as the quality of
promotion, the professionalism of the tourism human resources, etc. Therefore, the study has
suggested seven groups of solutions perfect local marketing tools and strengthen the application
of local marketing in tourism development in the coming time.

Impact of Crude Oil, Exchange rate and Gold Price on KSE100 Index: Before & during Covid-19 Pandemic by using VAR model

Ismat Mohiuddin, Jahanzaib Alvi, Syed Ghazanfer Inam, Muhammad Rehan

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 420-439
DOI: 10.47750/cibg.2021.27.06.036

The Covid-19 pandemic has been one of the most severe global crises, effected nearly 87m
people with a death count of 1.8m people around the world, and particularly affected mostly the
developing countries. Overall, the economic movement got massive shocks by facing a crystalclear
decline in almost all the economic activities. This research will figure out the before and
after COVID-19 impact of Gold, oil prices, and exchange rate on the movement of the KSE100
index. A daily data set of 10 months for KSE-100 Index, Crude Oil Price, Exchange Rate and
Gold Prices before (from January 01, 2019, till February 26, 2020) and after (February 27, 2020,
to December 15, 2020) pandemic have been employed to undertake this study. Structural Vector
Autoregressive (VAR) model has been applied to determine the direct effects and shocks on
stock market. Further, the before and after effect hypotheses have been tested through the
WALD test. Findings revealed that before the Covid-19 exchange rate, gold price and oil price
showed insignificant impact on the KSE-100 index, but after the Covid-19 period, all the three
variables showed a significant but negative impact on the KSE-100, which is also reconfirmed
by Impulse Response Function (IRF). This research article will be helpful to sketch a sound
policy to optimize the effect of such a pandemic by taking some key measures. With best of our
knowledge, this attempt is one of the few attempts in such detailed and structured with the
reported effect of Covid-19 before and during the pandemic regime in Pakistan.

Mapping The Trajectory Of Succession Planning In Family Based Companies- A Critical Analysis

Nilavro Chatterjee, Dr. Shivaji Banerjee

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 440-456
DOI: 10.47750/cibg.2021.27.06.037

Family businesses are the germination locus of all enterprise universally, they
contribute a sizeable quantum of funds to their national exchequer throughout the free world
globally. Their size and gamut are from micro corner shops to large conglomerates like TATA
Empire, Ford, Samsung et al are globally known and recognized. The promoters are invariably
ambitious, having sharp business acumen and profound compatibility with the environment and
competition, the challenge emerges when through efflux of time the original group has to make
way and successors to step in to their shoes, this is more so when there are multiple claimants
and all of them might not have the caliber or inclination. The plausible solution to this enigma
is the topic of this treatise with case studies, some succession are still ongoing process like Cyrus
Mistry versus Tata and Lodha versus Birla, some has lost relevance like nationalization of IISCO
a hangover of an old arcane concept. The new concept of family counsel as prevailing in Dabur
and gradual professional ethos in Tata are interesting, if carefully juxtaposed avoiding mélange
might yield appropriate solutions if not panacea albeit keeping within the realm of the Indian
Corporate Law, ethos and Taxation laws.

CPEC Development Effect on Business Improvement: A Mediating Role of Educational, Employment Concerns, Healthcare Facilities in the Rashakai Special Economic Zone

Faisal Mehmood , Wang Bing , Henna,NazirUllah, NaqeenHussain

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 457-472
DOI: 10.47750/cibg.2021.27.06.038

While the Belt and Road Initiative (BRI) has brought substantial benefits to participating
countries, it has also increased the risk of confrontation between international projects and
local people. Despite this, there is still a gap in knowledge about how CPEC development
could bring changes in the education, employment opportunities, healthcare facilities
concerning the business improvement in the special economic zone to local residents. In
the China-Pakistan Economic Corridor (CPEC) context, this research utilises a quantitative
method with (SEM) to explain the predictive effect of CPEC development on education,
employment, healthcare facilities, and special economic zone. The sample size was
(n=399) with the formula of Taro Yamane, and a purposive sampling technique was
applied. The CPEC project long-term motivation is to spark education, employment, and
healthcare facilities initiatives. The comprehensive CPEC development activities are
managed to improve special economic zones and exclusively focus on the local
community’s long-term sustainability. Therefore, education, health care, and employment
opportunities will improve significantly once the CPEC project is completed.
Theoretically, this research adds to the body of CPEC development knowledge, and it also
interrelates factors such as employment concerns, educational concerns, healthcare
facilities, and special economic zones under the CPEC project. It is recommended that the
work on the CPEC project should speed up with the collaboration of the Pakistan
government.

DETERMINANTS OF THE INTENTION TO USE LOAN SHARKS OF STUDENTS: EMPIRICAL EVIDENCES FROM VIETNAMESE UNIVERSITIES

Khuc The Anh, PhungThanhQuang

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 473-484
DOI: 10.47750/cibg.2021.27.06.039

Based on the development of the Unified Theory of Acceptance and Use of Technology model
(UTAUT), the authors measured the intention to use loan sharks for students in Vietnamese
universities. The research utilizes both quantitative and qualitative methods with the primary data
collected from students in Vietnamese universities. The results demonstrate that three main variables
significantly impact on intention to use loan sharks, namely "Social Influence," "Financial Literacy,"
and "Expectancy Effort." In particular, the authors added the "Financial Literacy" element through
the results of in-depth interviews. Besides, "Gender" and "Academic Year" also affect the
relationship between three main variables and the intention to use loan sharks. Based on the research
results, the authors propose several specific policy implications for authorities to eliminate loan
sharks through social media and promote financial literacy in universities.

Influence of Transactional and Transformational Leadership on Motivation A Study of Public Sector Universities in Karachi

Abdul Rashid Mangi, Muhammad Ashraf,Abdul Qadir, Sarfaraz Ahmed Bhutto

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 485-497

This study primarily focused on the analysis of transactional and transformational
leadership influence on the Motivation level among the faculty associated with public sector
universities. Motivation being the research construct has been a concern for the organizations as
the studies witnessed (Page, 2008). Hence motivating the faculty has been regarded as the pivotal
issue for the public sector universities because a motivated faculty perform well and influence
the overall performance of the university and vice versa. Therefore the current study attempted to
analyze the relationship between motivation and transformational, transactional leadership which
may have a significant influence on motivation in public sector universities of Karachi.In
addition, a comparison between male and female faculty members has been conducted to
evaluate the effect of transformational and transactional leadership on their motivation
levels.Meanwhile, the current study intended to explore the causal relationship between
transactional, transformational leadership, and motivation, therefore the nature of this study was
causal. Whereas, participants of the study were the faculty members of the public sector
universities of Karachi. The findings of the study supported and accepted the hypotheses of the
study as transactional and transformational leadership shares a significant and positive
relationship with motivation among the faculty of public sector universities of Karachi

Emotional Intelligence and Job Satisfaction among Faculty Members of Higher Education Institutions of Pakistan

Muhammad Waqas Arain, Nawab Rahoo, Jalil Ahmed Thebo, Muhammad Ali Khan, Liaquat Ali Rahoo

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 509-515
DOI: 10.47750/cibg.2021.27.06.042

The aim of this study is to measure the correlation between emotional intelligence and job
satisfaction of the faculty members of public sector higher education institutions of Sindh
province. The method of this study is descriptive with quantitative design. The population of the
studycompriseshigher education institutions of Sindh province. A random sampling technique is
used to collect primary data with a questionnaire. Participants are recruited through survey
sampling using “Google Forms”. Faculty members having teaching experience of more than five
years in higher education institutions of Sindh province are included in the study.Data is entered
and analyzed using SPSS version 20.Results reveal about strong positive and statistically
significant correlation between emotional intelligence and job satisfaction.

Investigating Attitude, Subject Enrollment, and Achievement in Science before Investing in Higher Education: A Comparison of Universities and Non-University Institutions

Dr. Muhammad Tariq Bhatti, Dr. Roshan Ali Teevno

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 516-534
DOI: 10.47750/cibg.2021.27.06.043

The field of science is changing the world in many ways ACT (2017); however, studies have
reported the students’ lowest achievement and lower enrollment rate in science courses (Fayer,
2017; Filardo, 2016) with a negative attitude towards science (ATS) (Song & Bruning, 2016).
Specially, the ATS continues to be the dominant factor; importantly the decline in ATS has
emerged recently. Drawing on the ATS in higher education benefits, the current study
hypothesized that ATS would possibly a driving force in improving science degree programs in
three areas, first, increase in science enrollment, second, promoting higher achievement in
science, and finally, raising academic standards through positive attitude of head of departments
(HoDs) and vice chancellors (V.Cs). Technically, there is a need for analysis any possible
dissonance between students’ ATS and the institution’s (Faculty Members & Head) ATS, as both
are necessary for improving enrollment in science, and students’ achievement. This difference of
ATS may create a severe problem for students’ performance and/or institutional gross enrollment
in science, therefore, we empirically investigated the attitudes of students, parents, the faculty
members (FMs), Head of Departments (HoDs), and V.Cs towards science, graduates and
postgraduates (G-PGs) academic achievement and enrollment in science. Using stratified
sampling technique 1200 G-PGs, 212 faculty members (FMs), 40 HoDs, 500 parents, and 15
Vice Chancellors (VCs) /Vice-Presidents from fifteen universities/non-university institutions
(NUIs) selected.. We analyzed the ATS of 1967 participants thorugh stratified sampling
technique included from fifteen higher education institutions (universities/NUIs) of Sindh, to
identify whether ATS affects students’ achievement, and subject enrollment in both types of
institution. A panel of experts and pilot testing refined the data instruments. The overall
Cronbach alpha value was 0.87 and 0.89 for Test of Science Related Attitude (TOSRA) Students’
and Subjects Choice Sheet (SSCS) respectively.All participants’ ATS explored through Test of
Science Related Attitude (Fraser, B., & Lee, S. 2015), while G-PGs’ grades of midterm and final
test results considered as marks in science.

COMBINING AHP METHODS WITH BOCR TO DETERMINE THE FEASIBILITY OF TRAININGS TO ENTREPRENEURS THROUGH MFIS IN PAKISTAN

Paras Abro, Dr. Arabella Bhutto, Dr. Adnan Pitafi, Sheeraz Akhter Katper

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 535-549
DOI: 10.47750/cibg.2021.27.06.044

The aim of the study is to explore the microfinance industry in Pakistan and their credit plus
approach targeting entrepreneurship development in particular and aims to yield insights into the
Benefits, Costs, Opportunities and risks of the provision of trainings through FMIs in Pakistan.
The study evaluates and determines the alternative possibilities of providing training to the
clients’ particularity enterprise loan borrowers of three leading micro finance institution in
Pakistan. Micro-credit and trainings jointly contribute positively to SMEs growth and
Entrepreneurship trainings may also help micro business entrepreneurs use microfinance more
effectively. Pakistan has a sound microfinance structure but its outreach seems to be much lower
than other peer nations in the world. On the basis of the criteria, the approach proposes to utilise
BOCR (benefit, opportunity, cost, and risk) paradigm trainings in conjunction with the analytic
hierarchy process (AHP) to find qualities that must describe an alternative of providing direct or
indirect trainings through MIFs. Qualitative approach was used for this study and exploratory in
nature. Semi-structured questionnaire was used in-depth interviews for the data collection. The
results identified certain benefits, costs, risks and opportunities associated with the trainings for
the selection of one of the alternative. The AHP model is prepared showing all the criteria and
alternatives to be pair wise tests and analysis in the second step of the research in future.

Abusive Supervision and Workplace Incivility in Public Sector Hospitals in Khyber Pakhtunkhwa: Does Emotional Intelligence matter?

Hafiz Adnan Majeed, Professor Dr. Farzand Ali Jan, Dr. Fayaz Ali Shah

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 550-570
DOI: 10.47750/cibg.2021.27.06.045

The key purpose of the very research is to highlight the role and significance of abusive
supervision, workplace incivility and emotional intelligence in the health sector of Pakistan. A
questionnaire survey was used to collect data from 302 respondents from health sector in KpK.
Stratified sampling with proportionate allocation method of probability sampling technique was
used by the scholars. Exploratory factor analysis and structure equation modeling were used to
analysis the collected data. Results of the study demonstrate a strong positive link between all the
three dimension of abusive supervision (i.e. anger active abuse, passive abuse, and humiliations
active) and workplace incivility. The results further suggest that emotional intelligence play a
moderating role in the relationship between abusive supervision and workplace incivility, such
that with high emotional intelligence the strong effect of abusive supervision weaken on
workplace incivility. Practical and theoretical contributions of the study was highlighted with
suggestions for future research were given at the end of the paper.

Managerial Handling of Zeigarnik Effect on Job Satisfaction and Work Performances of Employees

Athar Hussain Soomro, Shahnawaz Tunio, Azad Ali Khatyan, Tanveer Ahmed Khooharo

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 811-824
DOI: 10.47750/cibg.2021.27.06.071

This research finds out that how the manager should handle their employees with Ziegarnik
effect to measure their outcomes at their work in order to assess their degree of happiness and
satisfaction, because higher the work outcomes would ultimately define organizational Success.
While on other hand, interruptions may have some negative impacts.
In this study,mostly middle line managers were targeted from different associations and data
were collected through questionnaire survey method from 160 workers through convenient
sampling technique. The study is quantitative in nature andthe results were put to the test using
regression analysis, which shows that managerial handling of Zeigarnik effect is positively
related to the “employee work performance” and “job satisfaction”. This means that higher the
managerial handling of Zeigarnik effect, the better would be the employees performance and job
satisfaction. It is recommended to enhance some techniques for handling job stress and creating
interest in job duty.

ROLE OF HUMAN RESOURCE PRACTICESAND STAFF SATISFACTION ONORGANIZATIONAL PERFORMANCE

Dr. S Khurram Khan Alwi, Dr. Muhammad Shaiq

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 825-839
DOI: 10.47750/cibg.2021.27.06.072

The study aims to identify the extent at which effective management of HR practices can
increase productivity and improve poor performance within the organization. Six major human
resource management policies and practices were selected from previous research and analysis
was run on a sample of educational institutions of Karachi, Pakistan. Questionnaire,comprised of
standard items, wasdeveloped, and circulated in various educational institutions to gather
responses. The results generated through the application of SPSS concluded that out of six
independent variables, only succession planning and employee satisfaction were found to have a
significant impact on organizational productivity. Based on the analysis the study found that
educational institutions must pay much more attention to the proper management of their human
resources and motivate teachers to realize their skills and competencies to create competitive
advantage. To conclude, it could be said that effective management of human resources is very
vital to any organization ranging from small to large scare enterprise to sustain productivity.

Assessmentof human dignityof the elderlyin the nursing homes

Masoumeh Otaghi, SeyedRahmatollah Mousavi Moghadam, Arman Azadi, Yousef Veisani4, Farangis Akbari Tahami

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 840-847
DOI: 10.47750/cibg.2021.27.06.073

Background and Aim: Dignity is one of the basic elements of care for the elderly and is
affected by factors such as independence, privacy, patient protection and confidentiality of
information. The overall purpose of this study was to determine the level of respect for
human dignity of the elderly living in nursing homes in Ilam province in 2020.
Materials and Methods: In a descriptive-analytical study, the views of 113 people including
54 elderly and 32 staff from two nursing homes in Ilam province and 117 graduate nursing
students of Ilam University of Medical Sciences with Intrinsic Dignity Questionnaire
(Shamsizadeh et al, 2018) Checked out. Data were analyzed in SPSSv-22 software by chisquare,
one-way analysis of variance and univariate and multivariate linear regression.
Significance level was less than 0.05.
Results: The elderly were 73± 10 years old, mostly female, single, illiterate, urban, poor
economic status and living in a nursing home for more than 6 months. The employees were
33± 8 years old, mostly female, single, of average economic status, university education and
more than one month of work experience. Students were 34± 5 years old, mostly female,
married and had at least one month of internship in each dormitory. The mean of human
dignity was 157.32± 24.9 which was 168.9± 13.7 from the perspective of the elderly, 166.9±
12.9 from the staff and 122.74± 18.07 from the students (p<0.001).The average level of
human dignity increased by 10.6 per person and by 22.8 per person with a longer stay
(p<0.001).
Conclusion: The level of respect for human dignity from the perspective of the elderly and
staff was above average and from the perspective of students was below average. The most
important predictors of human dignity were male gender and length of stay in the nursing
home.

Role of Head Nurses and Services of Nurses as Front Line against Covid-19 Epidemic

Naeem Shahzad, Muhammad Asif Amjad, Tabssum Naz

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 848-856
DOI: 10.47750/cibg.2021.27.06.074

The role of nurses in the health system is like a backbone. The COVID-19 appeared in China in
the end of December, 2019 and the epidemic spread around the world. Nurses are risking their
lives to work on the front line against the COVID-19. Nurses have always taken risking in
performing their duties, but the new epidemic has made their work even more difficult. Nurses
are playing a leading role in the fight against Covid-19. The World Health Organization
announced the incidence of the coronavirus as an epidemic in March, 2020. The Purpose of the
research role of nurses during the Covid-19 pandemic and is to get the front line nurses to known
these thought and health issues while talking care of these ablutions.

EXAMINING THE EFFECT OF ETHICAL LEADERSHIP ON GREEN WORK OUTCOMES: A MODERATED MEDIATION ANALYSIS

Ahmed Abdul Hameed,Zafar-uz-Zaman Anjum, Maria Rasheed, Imran Khalid, Muhammad Umar, AasimNaimat Gill

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 857-874
DOI: 10.47750/cibg.2021.27.06.075

The current study examines the direct effect of ethical leadership (EL) on employee green
commitment (EGC) and the indirect effect on employee green innovative work behavior
(EGIWB). It also tested the moderating effect of employee green knowledge (EGK) in the
relationship between EL and EGC. Data were collected from 359 employees working in the
manufacturing sector of Pakistan. Time lagged and conveniences sampling technique was
adopted. The statistical results showed that EL was positively related to EGC. EGC enhances the
EGIWB. Moreover, results showed that EGK moderates the relationship between EL and EGC.
Such that employees having high green knowledge have more inclination towards green
commitment. The results also showed that EL enhances EGIWB via EGC. Moderated mediation
results also showed that EGK strengthens the indirect relationship between EL and EGIWB.
Result depicted that employee having high green knowledge shows more green innovative work
behavior via increased green commitment. The study brings important practical implications for
top and middle managers and addresses their concerns about green practices and green
innovations in their firms.

Evolving Corporate Governance in Indian Healthcare: An Ethical Perspective

Dr. Radha Mohan Chebolu, D. Saravanan

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 875-900
DOI: 10.47750/cibg.2021.27.06.076

The ongoing trends in the Indian healthcare sector point to the need to evolve a
strategic plan with concern towards ‘quality care’. This demands a massive
governance agenda from a management perspective. The evolution of Corporate
Hospitals, on a mammoth scale, across the country heralded a new era in the
realm of ‘diagnosis’ and ‘treatment’ unfolding many technologies. The so-called
boom in the service sector, found to be responsible for elevating the living
standards of the middle class, needs to be channelised for a productive cause. The
growing awareness of health disorders and treatment-seeking attitude among the
cross section of people put enormous pressure on corporate hospitals to prescribe
an action plan for meeting customer needs spread in different forms. The entry of
foreign capital into the fold of healthcare services has also resulted in a
competition between equal players as seen in the case of heart ailments.

ETHICS OF POLITICS AND VALUES OF SOCIAL MEDIA: AN IDEAL USE

Nadeem Ahmed Diou ,RubinaShaheen,Maria Issani , Abdul HayeeBaloach

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 926-935
DOI: 10.47750/cibg.2021.27.06.079

Social media got unpredictable fast growth and now social media is used in all aspect of
life. Social media has influenced all areas of life and politics. Government organization
using social media to be in touch with their workers and communication of office work
where as political parties are using social media for sharing party activities and manifesto
among the volunteers and people. It is not only that even social media is very important
tool to attract new workers towards party manifesto even social media is used as a
propaganda tool across the world. In Modern democracy the politicians are using social
media in very short period of time to engage their voters and citizens are into discussion
and direct dialogue. Values of media are not appropriate followed by people. Political
representative is engaged in creating social media a platform to be in connection with
workers but people consider it as a platform to ventilate themselves and in struggle of to
expose political representative. In this study, it is measured that Social Media and Media
Ethics are associated to each other. For this Pearson correlation was used Demographic
Statistic, And Regression Analysis were Applied to understand the reality eventhickness
of data was tested through Cronbach’s alpha. This study concluded ethics of politics and
values of media are associated but not properly understood by people

Time and frequency domain causality Testing: The causal linkages Revisited betweenFiscal Policy and Economic Growth in Pakistan

Sidra Iqbal, Maryam Irshad, Najma Yasmeen, Fouzia Yasmin

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 936-945
DOI: 10.47750/cibg.2021.27.06.080

Research on the impact of fiscal policy is a dire need in today’s economic world. In this
investigation, fiscal policy effectson economic growth have been explored.In this analysis,the
researcher examined the relationships using the secondary data source for the 1972-2019 data
series by employing Auto-Regressive Distributed Lagged Model (ARDL) and frequency domain
causality Testing to investigate the causal linkages between Fiscal Policy and Economic Growth in
Pakistan. The variables have been used as the budget deficit and economic growth as the core
variables of theresearch and concluded the negative association between the fiscal policy (budget
Deficit) and economic growth

Downside of family motivation; impact of family motivation on job burnout through emotional labor

Kamran Hameed, Abdul Ghaffar, Noman Arshed

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 946-964
DOI: 10.47750/cibg.2021.27.06.081

Extending the efforts of earlier studies, this study investigated the relationship between family
motivation and job burnout.Viamediating mechanism of emotional labor by using conservation
of resource (COR) theory as a framework. Itcontributes to the existing literature by exploring
relatively new phenomenaof family motivation.Whereby the employees’ family motivation
distracts them from performingtheir duties, exerting more emotional labor, which increases job
burnout. The relevancy of family motivation is increased under the work from home situation
because of COIVID19. A total of 189 full-time employees, working in both public and private
sector organizations in Pakistan, were observed. The findings revealed that family motivation is
positively related tojob burnout, and this relationship is mediated by emotional labor at the
workplace. The findings of the study are discussed in terms of their theoretical and practical
implications.

The Role of Strategic Consciousness in Enhancing the Strategic Vigilance

Alaa Hussein Fadhil, Mohammed Faez Hasan, Ahmed Abdullah Amanah AL- Sammari, Ahmed MuhammadridhaAbdulrasool Qandeel

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 965-978

The research aims to test the impact of strategic consciousnesson strengthening the
strategic vigilance ininvestmentorganizations by analyzingresponses
from124managers working for administrative, engineering and technical sectors
inside Al-Kafeel Group for Public Investments in Karbala.We applied constructs of
(Turkay et al., 2012) (forstrategic consciousness (Reframing, System thinking,
Learning orientation and Reflection)and the model of(Fadhiela et al., 2018) for
strategic vigilance (Technological vigilance, Competitive vigilance, Marketing
vigilance, and Environmental Vigilance). The collected responses were analyzed
using structural equation modelling to measure Cronbach’s alpha coefficient,
confirmatory factor analysis, and Pearson’s correlation for the constructs and latent
variables. Amanager’sstrategic consciousnessposed an active impact on enhancing the
strategic vigilance of the firms. The research sample is in the context of competition
in the Iraqi industrial and investing sectors. Strategic consciousnessis instrumental in
improving the positive relationship in strategic vigilance in line with the customized
prerequisites and the dynamic setting of workplaces. Implications on the provision of
valuable production would add up to the targeted local self-sufficiency.

Does Economic Efficiency matters? Evidence from Microfinance Sector of Pakistan

Maeenuddin, ShaariAbd Hamid, Annuar MD Nassir, Ghayasuddin

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 979-988
DOI: 10.47750/cibg.2021.27.06.083

According to the World Bank, the microfinance sector all over the globe, especially in
developing countries has increased significantly and received tremendous attention for the last
ten years.However, on the other hand, the amount of poor people is not decreasing. To
understand this phenomenon, this study focuses to explore the economic efficiency of
microfinance providers and to investigate the various factors or determinants that have an impact
on the economic efficiency of microfinance providers. Economic efficiency gets its ground on
the concept of the resources’ scarcity. Economic efficiency means creating maximum outputs
from minimum inputs and avoiding wasteon the resources. Data Envelopment Analysis (DEA)
approach was used to calculate the economic efficiency level, with the inputs arethe staff size
and the operational expenses. As for the outputs, they are the borrower numbers, gross loan
portfolio, and operational self-sufficiency ratio. Regression analysis was used to examine the
impacts of different factors on the microfinance providers’ economic efficiency. The result
shows that the factors which affect the economic efficiency of microfinance providers arethe
empowerment, organizational structure, aggressive marketing programs, optimum balance of
available financial resources, profit-oriented programs, growth outreach, commercialization,
competition, cultural dimensions, Interest rates, growth addiction, stability or short term
profitability focus, loan repayment focus, minimum follow-up programs, minimum awareness,
loan misuse, fear of defaults, and lack of technical support.These factors have to be considered
for future studies.

A STUDY OF INTERNET FINANCIAL REPORTING (IFR) IN INDIAN BANKING SECTOR

Dr. Devaraja Nayaka, K. M.

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 989-1001
DOI: 10.47750/cibg.2021.27.06.084

The Internet offers a new medium for presentation of financial reports by companies. New
applications, new users and faster connections have spurred the Internet to become an
important medium for communication, information dissemination and commerce. The need
for information disclosure stems from market failures caused by low disclosure of relevant
information for users resulting in information asymmetry. The voluntary nature of
information provided on the internet by the publicly listed companies has resulted in nonuniformity
in their disclosures.
The objective of the present study is to test whether is any significant influence of
market capitalization, debt-asset ratio, financial performance, profit level, and stock price on
Internet Financial Reporting (IFR) Disclosure Index and the tests are conducted by measuring
IFR index of as a dependent variable and the above five independent variables in 32 banking
sample companies selected from BSE-500. The results indicated that IFR index of Indian
banking sector was very strongly associated with market capitalization.

Influence of perceived customer satisfaction on online shopping experience during the COVID-19 pandemic

Dr. Divya Malhan, Dr. Preeti, Mohan, Nisha

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1002-1012
DOI: 10.47750/cibg.2021.27.06.085

Purpose:Customer satisfaction is always a great matter of concern for all the sellers and
academicians that how the perceived satisfaction level of customers can be judged in case of
online shopping. Present study is conducted in order to measure the level and to identify the most
important factors which are contributing in measurement of theperceived customer satisfaction
level towards online shopping experience during the COVID-19 pandemic.
Research Methodology:Both primary and secondary data are included in the study. Statistical
tool (SPSS-21) is used to run a statistical technique factor-analysis to identify most important
factors while one way ANOVA is used to find out the significant difference between means of
these factors and independence t-test is used to find out the significant difference between the
two factors.
Findings:This result showed that convenient and trust of online shopping, online shopping
features and benefits, fair functioning, secure payment options, product information, positive
online shopping experience and reliability of shopping were most important factors which
significantly affect the perceived customers’ satisfaction toward online shopping during COVID-
19 pandemic andit also reveals that the demographic factors taken in the study do not show much
of significant difference on satisfaction level of customers.

Predicting the Effect of Work-FamilyConflict on Job Satisfaction among General Practitioners

Dr. Umbreen Khizar, Ramesha Khalid, Dawood Nawaz, Umber Baloch

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1013-1024
DOI: 10.47750/cibg.2021.27.06.086

The aim of this research was to predict the effects of work-family conflict on job satisfaction
among Pakistani general practitioners. The study consisted of 184 general practitioners from
different units of Nishtar Hospital Multan and Fatima Jinnah Women Hospital Multan. The
10items work-family and family-work conflict questionnaire was used to assess work-family
conflict and the instruments were taken from the study conducted by the Boyar and Carson
(2006). However,the 20 items Minnesota Satisfaction Questionnaire created by Weiss and
Dawis (1967) was used to assess an individual’s level of job satisfaction for this study.Using
regression analysis, there wasevaluated that work-family conflict has a significant effect on
job satisfaction among the general practitioner. Further, there were no major differences in
the degree of work-family conflict and job satisfaction among general practitioners based on
gender or marital status according to independent samples t-test. Using ANOVA, significant
variations in the degree of work-family conflict in general practitioners were analyzed based
on their age. However, there was no significant variance in work satisfaction levels based on
age. In the future, it will be fascinating to see how disparities in marital status and gender
affect general practitioners.

ANALYSIS ON DEEP LEARNING TO DETECT THE BRAIN MRI TUMOR SEGEMENTATION

RAMU VOOKANTI, Dr. J. AMAR PRATAP SINGH

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1025-1037
DOI: 10.47750/cibg.2021.27.06.087

In this recent scenario, brain tumour detection system through classification technique
helps in the person infected with brain tumour and plays an important role to provide effectiveness in
the diagnosis process and proper treatment. The above MRI classification method helps to provide
effective and early-stage treatment for identifying the tumour in the brain and determine the level of
tumour occurrences. As there are several classification methods related to brain tumour exists in
recent days, which is associated with U-Net architecture i.e., deep learning methods related to medical
classification. Based on the comparison of the feature information among low-level and high-level, in
this paper the propose architecture of Residual U-NET with some enhanced local feature information
as it helps to improve the medical image segmentation. Through this, propose work helps to highlight
the improvement in the attention module for the segmentation of image tumour, propose the novel
attention module based on the Residual U-Net model. In the modified Residual U-Net model, residual
module and attention gate is addressed along with dropout and wide context layers. Here the addition
of salient feature information, which helps to focus on the large sensitive scaled information but also
consider the small-scale images also. In the performance analysis, modified model associated with
gate attention outperforms with the existing models like, U-Net and CNN Densely models.

Determinants of value creation from organizational performance-based view: Implications for IT industry in the Post-Covid-19 World

Saurabh Wadhawan, CJ Meadows, Christopher Abraham

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1038-1053
DOI: 10.47750/cibg.2021.27.06.088

Purpose – The purpose of this study is to identify the variables that drive value creation in
the Information Technology (IT) industry specifically, in the post-Covid-19 world.
Design/methodology/approach - This study has synthesized existing literature through which
it identifies the variables driving value creation in the IT industry.
Findings - The results of the study show that competitive advantage, cross-disciplinary
communication, and diversity drive value creation in the IT industry. Furthermore, the
discussion extends organizations' absorptive capacity through the means of integration,
learning, and reconfiguring knowledge by assimilating the knowledge process to sense and
seize vital opportunities in the market, enablingservice innovation practices outcome, driving
enterprise agility by leading digital adoptions in the Post-Covid-19 times,yielding the higher
organization value by the extent of social-network heterogeneity (SNH) and focussing on the
principle of “the strength of weak ties”are the abilities of an organization to react to a crisis.
Research limitations/implications – This study proposes that this article should help the IT
industry and the organizations underneath to achieve greater agility, stability through the
extent of IT infrastructure, IT human resource, and IT knowledge management, focusing on
cross-disciplinary as a collection of practices over a) intentional learning, b) strategic
leadership, and c) transforming practices into integrating systems and embracing design
thinking (DT) by encompassing emotional intelligence, integral intelligence, and experiential
intelligence approaches, in these post-Covid-19 times more effectively and confidently.
Additionally, leveraging absorptive capacity is a key resource in developing and increasing
organizations' knowledge pools.

The Impact of WhatsApp Usage on Academic Purposes among the Students of Higher Education Institutes of Sindh Province

Mumtaz Ali Buriro, Irfan Ali Abro, Shahzeb, Aijaz Akhtar Ahmedani, Liaquat Ali Rahoo

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1054-1065
DOI: 10.47750/cibg.2021.27.06.089

Purpose- The aim of the study is to examine the use of WhatsApp for Academic performance
and achievements among the students of higher education institutes (Private/Public) of Sindh
province. This study used descriptive survey method to explore and describe the collected
data. It utilized purposive sampling technique to gather data from this research’s respondents.
The sample of the population for layering the usage of WhatsApp services and academic
performance was of 175 students (respondents) that categorically were 94 students from
Private Institutes and 81 students from Public Institutes.Thefindings of the study show that
students of both types of Institutes are using WhatsApp application for many academic and
social purposes. Academic’s purposeshow that students use WhatsApp for group discussion
about class assignments, class work discussion, instructor announcements regarding the
subject, examination preparation,and research publication groups. Students also use
WhatsApp for sending and receiving notes, audio - video lectures and books in electronic
format shared from instructor or library.

An Eclectic Theory of Entrepreneurship: Three level analysis for developing Entrepreneurship Policy in Pakistan

Dr. Nasir Shaheen, Dr. Nasir Ahmad, Dr. Sajjad Hussain, Dr. Badshah Hussain

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1066-1080

The study was intended to recommend guidelines for developing entrepreneurship
policy in Pakistan. For this purpose An Eclectic Theory of Entrepreneurship was used as
theoretical frame work to analyze empirical research studies and available reports at
three different levels. At micro level, low literacy rate was found to be foremost
requirement for developing entrepreneurship. Lack of knowledge based economic
system was found to be the center of problem at meso level. At macro level, core of the
problem is that policy makers need to understand the spirit of entrepreneurship to plan
economic policy accordingly. It was recommended that efforts may be made to: raise
education level and entrepreneurial orientation of the people; reshaping to knowledge
based economic system; and entrepreneurship may be designated as major pillar of
economic policy.

Customer Patronization differences and its effect on Islamic Banking Profitability

Shakeel Riaz, Talat Hussain

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1081-1101
DOI: 10.47750/cibg.2021.27.06.091

Introduction and Background: Financial intermediation is a proven function of the banking
sector which advocates its growth-promoting role. But Islamic banks cover an extra mile by
sharing risk and synchronizing the income of the rich and the poor. But to function smoothly, the
services sector like Islamic banks must ensure that their clients/customers are patronizing them
with a higher degree of engagement. A most important source of patronizing is the deposits that
customers are keeping in their accounts with Islamic banks. In terms of practice, there are two
types of patronizing customers.First,who places their deposits in the current account, and second
who places their deposits in the saving accounts.Both of them have different expectations from
the services extended by Islamic banks.
Objective: The objective set by this study is to empirically evaluate whether changes in the
current and saving account patronization have a role to play in Islamic banking profitability.And
to determine how banks need to manage their deposit structure in order to increase the odds of
profits.
Design/methodology/approach: This quantitative study is based on a deductive approach and
will collect the data from audited financial statements of Islamic banks for the time period from
2008 to 2018.
Findings: It is expected that this study will provide the breakdown of the share of current and
saving deposits for the Islamic banks, which provides the profit promoting and profit
undermining shares. This breakdown will be instrumental for the policymakers to lay down a
framework in managing the share of current and saving deposits in their favor.

To study the Financial Performance of top five privatized Banks in India With special reference to( HDFC, AXIS, ICICI, KMB, IndusInd Bank)

ANNU, SUSHIL KUMAR, DR. RAVINDRA TRIPATHI

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1102-1112
DOI: 10.47750/cibg.2021.27.06.092

India from 2016 to 2021. The goal is also to investigate the profitability of these selected banks
during covid-19.
Approach/Methodology/Design: The study sample consisted of five private banks. The study
used statistical tools such as the Minimum and Maximum Net Profit Ratio, Descriptive Statistics,
and the One-Way ANOVA test to evaluate bank performance. The study spans the years 2016-
17 to 2020-21 and it is entirely based on secondary data.
Findings: The study's findings demonstrate that the Net Profit of the selected banks differs
significantly. Due to the significant profit earned and the efficient management that is applied,
HDFC Bank's &Kotak Mahindra Bank financial performance is consistently good. Because to
governance concerns, misleading guarantee to consumers, non-serious investors, no market-led
resurgence in sight, outflow of liquidity, and non-disclosure practices, the results show that
INDUSIND Bank's financial position is deteriorating. Axis Bank and INDUSIND Bank are
gradually losing market share.

Significance of Driver and Vehicle Key Performance Indicators on Organisational Performance and Customer Satisfaction: Case of Bulk Fuel Supply Chain in Zimbabwe

Shakerod Munuhwa, Blessings Peace Fuzane ,David Chikwere, Morris Emmanuel Dzingai

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1113-1127
DOI: 10.47750/cibg.2021.27.06.093

Fuel supply is classified under critical and dangerous goods distribution. Truck Drivers (TD)
and trucks are the two components involved in every stage of fuel road-distribution hence a
focus on driver and vehicle key performance indicator measurements. The study examines
the significance of driver key performance indicators and vehicle performance indicators on
organisational performance and on customer satisfaction in the bulk fuel supply chain. A
quantitative research methodology was conducted with 91 respondents drawn from the fuel
sector. SMART PLS 3.3.3 was utilised for data analysis. The study found that there are
positive and significant relationships between Vehicle KPIs and Driver KPIs; Driver KPIs
and Organisational Performance (OP); Vehicle KPIs and OP; Driver KPIs and Customer
service (CS), and OP and CS. The study also noted that Driver KPIs have significant
mediating impact on OP. The mediating role of OP on CS was found to be insignificant.

Rationality, Obstruction and Identity Deconstruction —— Focusing on Sir. Peter Shaffer's Trilogy of Faith

Qianqian Jiao

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1128-1155
DOI: 10.47750/cibg.2021.27.06.094

Peter Shaffer is an outstanding British playwright in
the 20th century. His plays "The Royal Hunt of the Sun", "Equus"
and "Amadeus" are called "Faith Trilogy". The eternal conflict
between rationalism and irrationalism prompted Schaeffer to reflect
on the enslavement of human nature by reason under the rule
of instrumental reason. He tried to rebel against rational hegemony
through belief, and proposed that only by seeking faith and
spiritual God can human beings escape the shackles of rationalism.
This paper first explores the philosophical source of Schafer's
anti rational thought, that is, the confrontation and conflict
between rationalism and irrationalism. Secondly, it studies the
social source of Schafer's anti rational thought, taking the critical
theory of instrumental rationalism as an example. Thirdly, it explores
the content of Schafer's anti rational thought and its concrete
presentation in his works. This paper analyzes Schaefer's
belief rebelling against rational thought from three angles. Firstly,
from the perspective of rational power rulers, this paper analyzes
the control of rationalism on individual free nature. Secondly,
rational obstruction, that is, from the perspective of the weak and
the ruled, analyzes their spiritual struggle against the representatives
of rational power. Finally, the rational identity of rational
figures is deconstructed

Qualitative AnalysisOf European Football Spirits Used For Reforming The Cultivation ConceptOf Chinese TeenageFootball Players

Yanying Chen,Shuchang Dai

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1156-1173
DOI: 10.47750/cibg.2021.27.06.095

Accommodative glocalization indicates that, the practices, institutions
and meanings of glocalized football culture have been pragmatically absorbed
(Robertson, 2007). This study is designed to explore the elements of European
football being accepted in China and examine how the cultivation concept for
Chinese teenage football players has been reformed through learning from Europe
in the context of accommodative glocalization. Ethnographic research
(participation observation and semi-structured interview) revealed that, Chinese
football clubs should avoid conflicts between Chinese local football players and
foreign football players being professionally cultivated in Europe. It is of
significance to cultivate Chinese teenage football players to learn about European
football spirits (not yielding, being progressive and stay in good athletic condition,
self-transcendence, collective cooperation), rather than simply pursuing good
results in Chinese Super League and depending on European football players’
contributions introduced by clubs.

Information Seeking Behavior of Users on Electronic Resourcesduring the Period of Pandemic (COVID-19) in the University Libraries of Pakistan

Irfan Zafar, Aijaz Akhtar Ahmedani, Shahzeb, Irfan Ali Abro, Muhammad Naeem Shaikh

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1174-1183
DOI: 10.47750/cibg.2021.27.06.096

Thepurpose of this study is to examine the user behavior to use electronic resources during
period of pandemic: A case study of Public sector University libraries in Sindh Province. It also
examines the available collection of electronic resources and facilities provided by the library to
access those electronic resources during the period of Pandemic (COVID-19). Methods: - The
study was based on descriptive design. The population of the study was Public sector University
libraries users.Sample random sampling technique was used to collect data from the respondents
of different degree programs. This five-point scale questionnaire was used as instrument of data
collection. SPSS-21 was used for statistical analysis.Findings:- The users were interested in
accepting the technology as well as gaining knowledge by accessing e-resources. The study
found that users were generally satisfied with their library digital collections like e-books, ejournals,
institutional repositories, e-magazines and e-dailies. At the same the study observed
that the respondents are satisfied with library.

CORPORATE SOCIAL RESPONSIBILITY, DIVIDEND POLICY AND NUMBER OF INDEPENDENT COMMISSIONERS

ABID MUHTAROM, LINA KUSUMA WARDANI, ABDUL GHOFUR, ANGELINA AGNES NURINDYAH

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1184-1193
DOI: 10.47750/cibg.2021.27.06.097

Dividend policy of a company is an important information for shareholders and prospective
shareholders. Dividends distributed by the company is a positive signal, because the company is considered
profitable in its business. Dividend policy taken is influenced by CSR. CSR programs have a positive
influence on the company but these activities can cause agency problems between company managers and
shareholders. With the emergence of agency problems, companies must look for outsiders to help reduce
agency problems, namely the emergence of independent commissioners in the organizational structure. The
independent commissioner functions to provide advice and control the activities of the company manager.
This study aims to examine and analyze the relationship between corporate CSR with dividend policy taken
by the company, later the relationship of CSR with dividend policy is moderated by the percentage of the
number of independent commissioners. The sample used is non-financial companies listed on the Stock
Exchange in the 2015-2019 period. The method used was purposive sampling involving 235 observations.
Research analysis techniques are multiple linear regression analysis and multiple linear regression analysis
with moderation. The results of this study are that there is no significant relationship between corporate CSR
with dividend policy, then the percentage of the number of independent commissioners cannot strengthen the
relationship between CSR and dividend policy, but the percentage of the number of independent
commissioners has a significant negative effect on dividend policy. In this study also found that the size and
growth of the company does not affect dividend policy. Then for leverage and profitability the company has a
significant positive relationship to the company's dividend policy.

PRODUCT DEVELOPMENT ON MSMEs IN LALADAN VILLAGE LAMONGAN REGENCY THROUGH DIGITAL LITERACY DURING THE COVID-19 PANDEMIC

ABID MUHTAROM, NURUL BADRIYAH, YUNNI RUSMAWATI DJ, INDAH PURYAN

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1194-1199
DOI: 10.47750/cibg.2021.27.06.098

The clustered community in Laladan Village, Lamongan District has a
characteristic in making unsangrebon shrimp paste. During the pandemic, business actors
experienced many problems, especially in the field of product marketing. Traditionally,
the community and partners do not understand the true meaning and function of digital
literacy. The method used consists of three stages, namely the preparation stage,
implementation stage and mentoring. The results of the service activities that have been
carried out by MSME Partners are that MSME actors are very enthusiastic about the
digital literacy program.

Recognizing Factors Influencing Viral Marketing Success fromThe Standpoint of Iranian Clients

F. souri

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1200-1211
DOI: 10.47750/cibg.2021.27.06.099

Context and Purpose: Although viral marketing research is relatively considerable and also
qualitative, But most of them focus mainly on the different constituentof viral marketing And less
research in Iran has identified the factors that influence the position of this type of marketing;
Therefore, the purpose of the present study is to identify the factors that influence viral marketing
success. Analysis method: The study population included all Tehran internet clients in the first half of
1398(second half of 2019). Data were collected through field research using a simple randomized
questionnaire among 398 people during the period of July 2019 to the end of August 2019. Descriptive
and inferential statistics were used to analyze the conceptual model of research using SPSS software.
Results: The results of the analysis of the research hypotheses showed that the rational effect of the
message can confirm the success of viral marketing.

Strategic Leadership Patterns and their impact on Innovation Performance: An analytical study at the Ministry of Interior

Salim Taha Ali, Prof. Salah Abdel Qader Alnuaimy

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1212-1224
DOI: 10.47750/cibg.2021.27.06.100

The Purpose of current research to test the effect of Strategic Leadership Patterns as an
independent variable in the innovation performance as a dependent variable, in the Baghdad
Intelligence and Counter-Terrorism Directorate of the Ministry of Interior, and then try to
come up with a set of recommendations that contribute to enhancing the innovation
performance of the researched organization. And based on the importance of the research
topic in the researched organization, and the importance of the research organization to
society, a descriptive-analytical approach was adopted in its achievement, and the research
was applied in the Intelligence and Counter-Terrorism Directorate in Baghdad, and the
research targeted an intentional quota sample of leaders and military ranks, and data were
collected from (145) respondents representing a community. The research is exclusively and
comprehensive, represented by (director of the directorate, assistant director of the directorate,
directors of departments, assistants of department directors, divisional directors, unit
officials), by adopting the questionnaire that included (45) paragraphs, and using personal
interviews and field observations as tools to help in collecting them. The research adopted the
program (Amos V.25, Spss V.26) with the adoption of descriptive statistical methods
(linearity test, normal distribution test, confirmatory factor analysis, building variables
models, arithmetic mean, percentages, standard deviation, relative importance, coefficient of
variation, And the correlation coefficient (Pearson coefficient, and the simple and multiple
regression coefficients) to test its hypotheses, and the research concluded the most prominent
result represented in the validity of its hypotheses, the existence of a positive positive effect of
strategic leadership patterns on innovation performance, as well as the availability of the two
variables, practice, interest, and adoption.

WORLD AND UZBEK EXPERIENCE IN DEVELOPMENT OF ECOLOGIC TOURISM

Yarashev Kuvondiq Safarovich, Khasanov Jasur Yusupovich, Qurbonova Iroda Zafar qizi

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1225-1229
DOI: 10.47750/cibg.2021.27.06.101

This article covers the experience of ecological tourism in the world and
Uzbekistan, the Great Silk Road, UNESCO, green economy, "International Year of
Ecotourism", the 99th session of the UNWTO Executive Board (Samarkand).

Human Resource Practices for Job Satisfaction:A Study on Public Sector Universities of Pakistan

Anum Afzal Khan, Muhammad Hashim, Suman Najam, Maeenuddin,Muhammad Salman Khudai, Ahmad Imran Khan

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1230-1242
DOI: 10.47750/cibg.2021.27.06.102

The success of the employee has an impact on morale when implemented in the best way possible.
Organizational behavior studies pay close attention to motivation, the work satisfaction of workers
and their effect on organizational performance. Several studies have been performed to research the
impact of motivators on the satisfaction of employees. The goal of this analysis is to evaluate the
impact on organization’s efficiency of motivators (combined effect and component effect). Also
analyzed is the mediating role of work satisfaction between the drivers (combined impact and impact
of components) and organizational efficiency. Data were obtained by self-administered survey by
sampling all universities in the public sector of the Southern Punjab, Pakistan. To construct the
questionnaire, likert scale has been used. In addition, the data analysis was based on different
statistical methods. Studies have shown that the motivator (combined effect and component effect)
have a clear and positive relationship with the organizational efficiency. More work satisfaction as
mediator has a direct influence on the success of organizations between motivators (combined effect
and effect of components).

A NEXUS BETWEEN FINANCIAL DEVELOPMENT AND RENEWABLE ENERGY CONSUMPTION

Fareeha Zaidi; Dr. Salman Riaz; Zubair Saleem

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1243-1256
DOI: 10.47750/cibg.2021.27.06.103

The purpose of the present study is to explore the impact of financial development on renewable energy consumption. The period of study is from 1980 to 2018. Economic growth plays a mediating role in the nexus between energy consumption and financial development. The transmission and distribution losses are the moderator between economic growth and renewable energy consumption in the structural model. For developing economies like Pakistan, estimation for energy demand without considering financial development would provide an inaccurate picture. Zivot-Andrews unit root test has been applied under the structural break method to check the stationary property of variables. The study is employing Simple time-series regression analysis to find out the relationship between the variables. The results of the empirical research indicate that financial development and economic growth have a significant impact on renewable energy consumption, and the findings of the economic growth equation suggest that there is a significant impact of financial development and investment on economic growth in Pakistan. The study results urge the attention of policymakers in Pakistan to design a comprehensive energy conservation policy to minimize the consequences of massive energy consumption and energy export-driven revenue by adding financial development and investment as explanatory determinants in the energy demand function.

INTELLECTUAL CAPITAL AND FIRM PERFORMANCE: THE EMERGENCE OF KNOWLEDGE BASED ECONOMY

Aleem Muhammad; Haqqani Kanwal

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1257-1267
DOI: 10.47750/cibg.2021.27.06.104

In the last few decades ‘intellectual capital’ has been among the most investigated constituent of corporate finance and accounting research. The immense empirical and theoretical research published in different journals, for instance, “Measuring Business Excellence” and the development and formation of specific journal, such as, “Journal of Intellectual Capital” are the evidence of this novel and emergent area of research. After the 1997 Asian financial crisis and the great financial crisis of 2008, the significance and magnitude of IC increase. The motive behind the critical role of IC during financial instability and disorder is that when companies are economically vulnerable and troubled during the financial disorder, the firms consider and explore alternative approaches of survival, such as, the use of intangible assets and resources.

THE NATURE AND OBJECTIVE NEED FOR THE FORMATION OF MATERIAL AND TECHNICAL RESOURCES MARKET IN A MARKET ECONOMY

Rakhimov Bahromjon Ibrahimovich, Ibrahimov Behzodbek Bahromjon ugli

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1268-1278
DOI: 10.47750/cibg.2021.27.06.105

The establishment of market relations in agriculture requires the
development of the system of material and technical resources on the basis of market
principles. Weak financial situation of agricultural enterprises, weakening of economic
relations with the manufacturer of equipment, transport costs, transit, high customs
duties, devaluation of money, imbalances between prices for agricultural and industrial
products and a number of other factors

AN EVALUATION OF THE CORRELATION BETWEEN ENGLISH LANGUAGE PROFICIENCY AND STUDENTS’ PERFORMANCE IN SCIENCE SUBJECTS AT HIGHER SECONDARY SCHOOL LEVEL IN SINDH

Dr. Roshan Ali Teevno, Dr. Allah Dino Abro, Muhammad Akram

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1279-1291
DOI: 10.47750/cibg.2021.27.06.106

The medium of instructions employed for teaching all science subjects up to secondary level is the indigenous language across all public schools of Sindh, but at higher secondary level the medium of instruction is English. Consequently, students face serious problems in learning science subjects. Realizing the gravity of this problem and its adverse effects on other subjects, an empirical study has been conducted which was aimed at measuring correlation between English language proficiency and students’ performance in science subjects. It involves students’ and teachers’ perceptions to find out whether English is truly an obstacle for students especially in science subjects or not, and if so, then to what extent it
is so. The population of the study comprised all the teachers and students of Sindh, which was further delimited to Hyderabad, from which a sample of 500 students and 50 teachers was selected through random stratified sampling technique. The data was collected through survey method and questionnaire instruments. The findings showed that there was strong
correlation between English language proficiency of students and their performance in science subjects. There was no significant difference between the perceptions of teachers and students regarding the impact of English proficiency on performance of students in science subjects. Even the performance of students in English and science subjects was alike. It also unfolded that the inadequate English language proficiency was such a gigantic stumbling block for students that demoralized a large number of students so much as to drop out prematurely in their studies. They, who managed to overcome this hindrance, get through the exams with merely passing marks or by re-sitting some supplementary exams.Result indicated that this problem was even graver for rural students compared to urban ones. It is suggested that time and energies allocated to improving students’ language proficiency ought to be improved both quantitatively and qualitatively and students should be given leverage to write down their answers partly in English and partly in native language.

Impact of Corporate Governance Structure on Firm’s Dividend Policy of Non Financial Firms (Evidence from Pakistan Stock Exchange)

Raza Ullah, Dr. Farooq Shah, Dr. Muhammad Irshad Khan, Zia ul Islam, Zia ul Hassan

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 6, Pages 1292-1303
DOI: 10.47750/cibg.2021.27.06.107

The present study has been conducted to examine the effect of corporate governance on the firm’s dividend payout. The study was conducted in the non financial sector of Pakistan. The study was conducted in the PSX 100 index. On the basis of the nature, 65 non financial firms were included as the sample size. The study has used data collected from their website from
2011 to 2018. The study has used diagnostic models for the selection of the final model of analysis. The results showed that OLS has been recommended in the case of small and large firms while fixed effect model can be used for the medium firms. The findings of small size firms showed that 1) board size has significant effect on dividend payout while CEO
compensation and board independence have insignificant effect. The results of medium size firm showed that 2) family ownership has significant effect on dividend payout in medium and large firms while CEO ownership has significant effect on dividend payout in small, medium and large firms. The results of third model showed that 3) disclosure policy and shareholders rights have significant effect on dividend payout ratio. The findings of the study recommends that the firms should diversify their board and increase the size as it will help in attracting new investors.

Revealing the Effect of Work-From-Home on Job Performance during the Covid-19 Crisis: Empirical Evidence from Indonesia

Donny Susilo

Journal of Contemporary Issues in Business and Government, 2020, Volume 26, Issue 1, Pages 23-40

This study aims to determine the effect of work-from-home on job performance. It proposes work environment, job satisfaction and work motivation as mediating variables, and answers how work-from-home affects employee performance through them. The study has implications for business practitioner who intend to measure the effectiveness of their work-from-home policies. This is especially pertinent during the coronavirus crisis. The original contribution of this study lies within its questionnaire that has been attuned to changes caused by COVID-19. Data collection was completed by distributing an online questionnaire to workers in Indonesia. The questionnaire with a Likert scale was sent to approximately 2720 employees by email and a link was also shared on social media. The survey attracted 330 respondents. To answer the research questions, this study used structural equation modelling. The output revealed that working from home, employees experienced greater enjoyment, satisfaction and motivation thus enhancing job performance. While the validity of this research is constrained in scope to how these benefits are manifested in Indonesia, there may be external validity among other countries affected by COVID-19.

Impact of work from home on employee wellbeing during pandemic

DR. BENITA.S. MONICA; MS. GHAYATHRI N

Journal of Contemporary Issues in Business and Government, 2020, Volume 26, Issue 2, Pages 442-446
DOI: 10.47750/cibg.2020.26.02.057

The research paper title work from home: A study on wellbeing of employees during work from home during coronavirus pandemic. The main objective of the study is to know how the employee wellbeing is affected due to work from home. Especially in the IT industry the work life balance of the employees is affected badly. The descriptive research is used in this study as the research design and the sampling method is used as the convenience sampling. The size of the sample collected in this study is sixty (60) also the primary data is used. The statistical tools used in this study are frequency analysis, mean analysis and regression. Regression analysis is used to measure the wellbeing of the employees during COVID-19 pandemic. The components used to measure the impacts of work from home on employee wellbeing are work demands, home demands, work interfering with family, family interfering work and employee wellbeing. This analysis will be useful for the human resource managers to know the wellbeing of the employees during work from home.

Investigating the relationship between competitive intelligence and risk dimensions and job performance of employees in Kerman Saderat bank branches

ALI BARAKCHI; MALIKEH BEHESHTIFAR; MAHMOOD NEKOIE MOGHADAM

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 2, Pages 5-18
DOI: 10.47750/cibg.2021.27.02.002

The aim of this study was to investigate the relationship between competitive
intelligence and risk-taking with the employees' job performance in Kerman Saderat bank
branches in 2015. The method of study was descriptive and correlation. The statistical population
of this study included all 251 employees of Saderat Bank in Kerman that by using Cochran
formula a sample size of 152 people was selected. In this study, three questionnaires of
competitive intelligence with 0.91 validity and 0.93 reliability and risk taking questionnaire with
0.93 validity and 0.95 reliability and job performance questionnaire with 0.92 validity and 0.84
reliability were used. The collected data were analyzed by using Smart PLS 2. The results showed
that there is a relationship between competitive intelligence and risk-taking and the job
performance among the employees working in Kerman Saderat bank branches. Among the
components of competitive intelligence; a direct and significant relationship was found between
technical knowledge and strategic and social knowledge with job performance of the employees.
Among the risk taking components; the two components of credit risk, operational risk, and
market risk were significantly correlated with job performance of the employees. Therefore, it is
recommended that the bank managers have a correct and scientific management of the bank assets
and debts and they assess their own current and potential competitors to take step toward a better
performance of the employees in order to have growth and profitability in the banks and attract
financial resources.


A study on the challenges faced by hr professionals during pandemic and in post pandemic

DR. PRASANNA SIVANANDAM; MR ASHWATH KUMAR R

Journal of Contemporary Issues in Business and Government, 2020, Volume 26, Issue 2, Pages 424-428
DOI: 10.47750/cibg.2020.26.02.054

The terms 'Human resource management' and 'Human resources’ have generally supplanted the term 'personnel management' and furthermore consider it as a cycle which is associated with dealing with the associations. Human Resource Management is the way toward enlisting the up-and-comers, choosing the correct candidate for particular job, accepting representatives, providing orientation, training and development, assessing the presentation of workers, choosing remuneration and giving advantages, propelling workers, keeping up legitimate relations with workers and their worker's organizations, motivating employees , ensuring employees safety, welfare and health measures of the employees. The objectives of HR in an organisation are as follows: Understand the scope of human resource management (HRM),explain what human resource management is and how it relates to the management process. Many organisations are managing with the Covid-19 coronavirus widespread by ordering or empowering representatives work from domestic all over the world. As the coronavirus spreads, working from domestic is the unused typical for specialists. Representative help programs (EAPs) will be important sources of organizational bolster to help representatives going through challenging times and progress their well- being and resilience. Again, a look on the Net of Science uncovers exceptionally few thoughts about EAPs in Asian nations. This activated organizational reactions such as decentralizing their operations and moving workers out of base camp, particularly in the event that found in huge urban ranges. This in turn driven to organizations re-examining their recompense arrangements to superior reflect emolument levels related with the nearby work showcase. A survey has been collected from the HR professionals from various organisations regarding the various challenges that have been faced by them during pandemic and in post pandemic and to find out the most influencing factors among the various challenges.

Factors Affecting Smartphone Purchase Decisions of Generation-Y

Nushrat Shabrin, Sarod Khandaker, Saad Bin Abul Kashem, Chan Kit Hie, Teresa Susila

Journal of Contemporary Issues in Business and Government, 2017, Volume 23, Issue 1, Pages 47-65

Smartphones have become an indispensable part of daily life of GenerationY. Currently, Generation-Y accounts for the biggest proportion of the Malaysian population, and they are the main users of smartphones. The main objective of this research is to determine the factors influencing the smartphone purchase decisions of Generation-Y. Based on a literature review and survey, this study finds seven factors that influence smartphone purchase decisions: brand, convenience, dependency, price, social influence, product feature and social needs. The research used a questionnaire with a 5-point Likert scale for data collection and a sample of 152 respondents (Generation-Y) from the Kuching region of Malaysia. We find evidence that social influence, product feature, and brand image have significant positive impacts on the smartphone purchasing decisions. Other factors, such as convenience, dependency, price and social needs were statistically insignificant.

Revealing the Effect of Work-From-Home on Job Performance during the Covid-19 Crisis: Empirical Evidence from Indonesia

Donny Susilo

Journal of Contemporary Issues in Business and Government, 2020, Volume 26, Issue 1, Pages 23-40

This study aims to determine the effect of work-from-home on job performance. It proposes work environment, job satisfaction and work motivation as mediating variables, and answers how work-from-home affects employee performance through them. The study has implications for business practitioner who intend to measure the effectiveness of their work-from-home policies. This is especially pertinent during the coronavirus crisis. The original contribution of this study lies within its questionnaire that has been attuned to changes caused by COVID-19. Data collection was completed by distributing an online questionnaire to workers in Indonesia. The questionnaire with a Likert scale was sent to approximately 2720 employees by email and a link was also shared on social media. The survey attracted 330 respondents. To answer the research questions, this study used structural equation modelling. The output revealed that working from home, employees experienced greater enjoyment, satisfaction and motivation thus enhancing job performance. While the validity of this research is constrained in scope to how these benefits are manifested in Indonesia, there may be external validity among other countries affected by COVID-19.

Factors Affecting Smartphone Purchase Decisions of Generation-Y

Nushrat Shabrin, Sarod Khandaker, Saad Bin Abul Kashem, Chan Kit Hie, Teresa Susila

Journal of Contemporary Issues in Business and Government, 2017, Volume 23, Issue 1, Pages 47-65

Smartphones have become an indispensable part of daily life of GenerationY. Currently, Generation-Y accounts for the biggest proportion of the Malaysian population, and they are the main users of smartphones. The main objective of this research is to determine the factors influencing the smartphone purchase decisions of Generation-Y. Based on a literature review and survey, this study finds seven factors that influence smartphone purchase decisions: brand, convenience, dependency, price, social influence, product feature and social needs. The research used a questionnaire with a 5-point Likert scale for data collection and a sample of 152 respondents (Generation-Y) from the Kuching region of Malaysia. We find evidence that social influence, product feature, and brand image have significant positive impacts on the smartphone purchasing decisions. Other factors, such as convenience, dependency, price and social needs were statistically insignificant.

A study on customers perception towards online banking during covid-19

MR. RAM BABU CHERUKUR; MR. SIVAKUMAR S

Journal of Contemporary Issues in Business and Government, 2020, Volume 26, Issue 2, Pages 980-986
DOI: 10.47750/cibg.2020.26.02.138

Online banking is increasingly becoming popular because of convenience and flexibility. The present paper explores the major factors responsible for internet banking based on respondents’ perception on various internet  applications. It also provides a framework of the factors which are taken to assess the internet banking perception. The banking industry has been rapidly developing the use of  online banking as an efficient and viable tool to create customer value. It is one of the popular services offered by the traditional banks to provide speedier and reliable services to online users. With the rapid development of computer technology as a commercial tool, Internet banking can be used to attract more customers to perform banking transactions in related banks. However, the main problem of Internet banking faced by the providers is that a large number of the banks’ customers are not willing to use the Internet banking services offered. This happened due to the services offered through Internet banking have yet to satisfy their customers. Customer satisfaction is an important factor to help banks to sustain competitive advantages. Therefore, the purpose of this research is to search and examine the factors which influence customer satisfaction towards Internet banking. 

Role of Technology in Education

DR.MEENAKSHI SHARMA

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 3, Pages 744-751
DOI: 10.47750/cibg.2021.27.03.104

With the advancement in technology there is a rapid change in the manner in which individuals live, associate, impart, and lead business. This change is regularly alluded to as the "digital revolution," which is the headway of innovation from simple, electronic and mechanical apparatuses to the technically advanced instruments accessible today. The utilization of digitalization in the learning procedure and training rehearses in formal instructing is exceptionally subjected to the capacity of educators to deliver it without imperiling the lavishness of the study hall condition, to be specific the consideration that understudies need to follow the progression of argumentation and to ensure the nature of the inquisitive. In this paper, a research is made on the impact of technology in the modern era and how it impact the life of the scholars, graduates and alike as yet more advancements have to be done in the implementation of digital technology in the study hall and on the performance of the educator particularly on how performing various tasks influences the educator job in-class in delivering and explaining the content in a more precise manner that is easy for the students to grab things more easily.

Halal Food Crime in Malaysia: An Analysis On Illegal Meat Cartel Issues

MOHD FARHAN MD ARIFFIN; NURUL SYAHADAH MOHD RIZA; MOHAMMAD FAHMI ABDUL HAMID; FAREED AWAE; BADLIHISHAM MOHD NASIR

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 2, Pages 1407-1412
DOI: 10.47750/cibg.2021.27.02.152

Malaysia is a known for its high level of sensitivity in the halal and haram aspects. Its status as an international halal hub reflects the sustainable halal ecosystem in the country, supported by the sensitivities of the government, industry and consumers. Unfortunately, there are irresponsible parties who make halal food a medium of crime. Thus, various food crime issues rise such as food crime, food fraud, food adulteration, food terrorism and cases that cover it. Accordingly, the objective of this article is to target the analysis of food crime issues in Malaysia, focusing on the issue of illegal meat cartels. In addition, various causative factors have been put forward, as well as modern technological alternatives as practical solutions. Data were analysed in a qualitative approach, in which data were collected through document analysis from various primary and secondary sources. As a result, the issue of illegal cartel meat has betrayed all consumers in Malaysia. The government needs to empower halal control in the country, including making practical use of the Industrial Revolution 4.0 era technology.

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