Top PDF An investigation on the effects of justice on customer’s trust in insurance firms

An investigation on the effects of justice on customer’s trust in insurance firms

An investigation on the effects of justice on customer’s trust in insurance firms

This paper presents an investigation on the effects of various components of justice including distributive justice, interactional justice and procedural justice on building a mutual trust among customers in insurance firms. The proposed study of this paper uses a questionnaire originally developed by Daniels [Daniels, N. (1996). Justice and justification: Reflective equilibrium in theory and practice (Vol. 22). Cambridge: Cambridge University Press.] and designs a questionnaire for measuring trust. The study was performed among 384 people who had used insurance services in city of Tehran, Iran. Cronbach alphas for two questionnaires of justice and trust are 0.799 and 0.935, respectively, which are well above the minimum acceptable level. Using Spearman correlation test, the study has detected that two justice components, interactional justice and procedural justice, positively influence on customers’ trust, significantly.
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An investigation on the effects of brand equity, trust, image and customer satisfaction on regular insurance firm customers’ loyalty

An investigation on the effects of brand equity, trust, image and customer satisfaction on regular insurance firm customers’ loyalty

Brand plays essential role on the success of most organizations and it has been considered as organizational assets. Therefore, brand management is important in today’s structure of organizations. A good brand helps gain new customer and future preferences, which leads to customer retention. Brand loyalty is one of the most important components of brand management. It can raise firm’s market share and it has close relationship with firm’s return of investment and profits. This research tries to answer this question and finds out more about the relationship between customer satisfaction, trust, brand equity, brand image and customer loyalty. The study uses a sample of 384 regular customers who use insurance services in Iran. Using Pearson correlation ratio as well as structural equation modeling, the study has detected positive and meaningful relationship between brand equity and other factors such as customer satisfaction, trust, etc.
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An empirical investigation on the effects of electronic banking on key customer relationship management

An empirical investigation on the effects of electronic banking on key customer relationship management

customer including previous purchases, needs and demands are utilized for making an adaptable framework, which would increase customers’ demand (Buttle, 2012; Kumar, 2010). IT-CRM as a customer-oriented strategy is increasingly used by different companies and banks and there are a lot of investments on this method (Kim et al., 2010). To implement customer-orientation, some important issues like accountability to customer demand i.e. service diversification and new initiative services have to be taken into account. Regarding electronic world concept in these days, banks must use electronic banking tools and patterns to be successful (Ayadi, 1996). In recent years, many banks have spent large amount of budgets to develop electronic banking services to increase competition. These services have developed for all the society and many Iranian banks such as Mellat Bank, Tejarat bank and Saderat bank try to encourage their customers to switch to newly introduced online banking. Therefore, many banks look for services used in all societies to increase their profitability and surviving remains as the main goal for a private bank. In addition, it must be mentioned that the main profitability of a bank comes from few number of customers. Banks must concentrate their budget on innovative services, which benefit customers and revise their previous services although all the society can benefit from these services. We must investigate to see if changes in the bank’s structure is favorable to benefit customers and has its potential to absorb and maintain customers; on the other hand to see whether electronic banking services help us reach CRM goals or not. In this study we seek to measure electronic banking services effects on CRM and also to determine each component of electronic services.
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An investigation on the effect of technology on total factor productivity improvement of insurance firms

An investigation on the effect of technology on total factor productivity improvement of insurance firms

Hollenstein (2004) tried to explain timing and intensity of a firm’s adoption of ICT using a large sample of firms. The analysis was based on the rank and the epidemic framework of technology adoption. The explanatory variables included various dimensions of anticipated advantages from and expenses of technology adoption, what provides to capture the effect of uncertainty and adjustment costs. They described the role of “New Workplace Organization” as a determinant of the adoption of ICT, as well as the reverse relationship. Jalava and Pohjola (2007) analyzed the effects of ICT on output and labor productivity growth in Finland over the period 1995–2005. They reported that ICT could be accounted for 1.87 percentage points of the observed labor productivity growth at the average rate of 2.87 per cent.
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The influence of the arc plasma treatment on the structure and microhardness C120U carbon tool steel

The influence of the arc plasma treatment on the structure and microhardness C120U carbon tool steel

Carbon steel C120U grade is largely used on the tools for cutting, for dies and knives, for stamping and drawing tools, hobs, thread rolling tools and in many other applications due to her typical properties - high hardness, good toughness and compressive strength. The surface of the steel can be modified by using surface engineering's techniques. Remelting of the surface layer by the source of concentrated energy is promising technique to improve properties of the materials [1-6]. Laser or electron beam use to melting of the surface of tool steels aims to obtain a modified layer with increased microhardness and abrasion resistance [7,8]. The surface remelted layer has usually a finer and more homogenous structure than its original base material. The remelting with the arc plasma (TIG- tungsten inert gas or GTAW - gas tungsten arc welding) used as an economical and easily
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Statistical Assessment of the Effect of Chemical Composition on Mechanical Properties of Hypereutectic AlSi17CuNiMg Silumin

Statistical Assessment of the Effect of Chemical Composition on Mechanical Properties of Hypereutectic AlSi17CuNiMg Silumin

The paper presents a statistical assessment of the effect of chemical composition on mechanical properties of hypereutectic AlSi17 silumin, which is expected to act as a counterpart of alloys used by automotive industry and aviation for casting of high-duty engine parts in West European countries and USA. The studies on the choice of chemical composition of silumins were preceded by analysis of the reference literature to state what effect some selected alloying elements and manufacturing technology may have on the mechanical properties (HB, R m and A 5 ) of these alloys. As alloying additives, Cu, Ni and Mg in proper combinations were used. The alloy after
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The studies of scale surface produced on outer diffusion layers

The studies of scale surface produced on outer diffusion layers

ƒ X-ray structural examinations carried out on a Bruker D8 Advance diffractometer using filtered radiation of cobalt anode tube ( λK α = 1,79Å) and Siemens D500 diffractometer producing monochromatic radiation of a tube with copper anode ( λK α = 1,54Å). The measurement conditions were as follows: angle step Δ2θ = 0,02°, count time τ =5÷10 seconds, angle measuring range 2 θ = 20÷120°.

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Analysis of Structure and Abrasion Resistance of the Metal Composite Based on an Intermetallic FeAl Phase with VC and TiC Precipitates

Analysis of Structure and Abrasion Resistance of the Metal Composite Based on an Intermetallic FeAl Phase with VC and TiC Precipitates

Molten metal with the composition of high-aluminium cast iron was superheated to a temperature of 1510°C, and then samples were cast at 1420°C for metallographic examinations. To thus prepared liquid cast iron, vanadium was next introduced in the form of ferroalloy The titanium to second heat was introduced in figure of scraps of titanic sheet metal. Consequently, cast iron of the chemical composition given in Table 1 was obtained. Samples were poured into dry moulds prepared from the traditional bentonite-bonded sand. From these samples, metallographic specimens were prepared.
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Identification of boundary heat flux on the continuous casting surface

Identification of boundary heat flux on the continuous casting surface

In the paper the numerical solution of the inverse problem consisting in the identification of the heat flux on the continuous casting surface is presented. The additional information results from the measured surface or interior temperature histories. In particular the sequential function specification method using future time steps is applied. On the stage of numerical computations the 1st scheme of the boundary element method for parabolic equations is used. Because the problem is strongly non-linear the additional procedure 'linearizing' the task discussed is introduced. This procedure is called the artificial heat source method. In the final part of the paper the examples of computations are shown.
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The Implication Of Mens Rural-Urban Migration On Household Decision Making In Soy Sub-County Kenya

The Implication Of Mens Rural-Urban Migration On Household Decision Making In Soy Sub-County Kenya

health care, and opportunities for participation in public arenas, which worsens when men have moved to urban centers leaving their women in the rural areas. While it is recognized that women play fundamental roles in the socio-economic development of their communities, they are often excluded from local decision-making processes because their views are not solicited and their interests are not taken into consideration by their counterparts (Opare, 2005). Society as a whole would benefit greatly if women had adequate access to decision-making opportunities. Women have been and continue to be subordinated to men in several ways that adversely affect their well-being. The Beijing Platform for Action emphasized that “women’s equal participation in decision making is not only a demand for justice or democracy, but can also be seen as a necessary condition for women’s interests to be taken into account. Without the
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The Influence Of CSR Awareness On Consumer Purchase Decision Of A Telecommunication Network In Ghana A Case Of La Nkwantanag Madina Municipality

The Influence Of CSR Awareness On Consumer Purchase Decision Of A Telecommunication Network In Ghana A Case Of La Nkwantanag Madina Municipality

on overall company evaluations‖. Murray and Vogel (1997) have investigated the effect of associated CSR practices on consumers and presented similar findings. The CSR activities mentioned in the research are, for instance, environmental protection practices (energy conservation), engagement in acts to promote human welfare, corporate social marketing (electric safety education for schoolchildren), contribution to the economic development of the region, and consumer protection program. Their research found that CSR programs lead to improved customer attitudes towards the firm, including beliefs about the company‘s honesty, consumer responses, and increased support for the firm in labor or government disputes. Mohr et al. (2001) conducted a consumer interview project for investigating the impact of firms‘ CSR on consumer behavior. How well are consumers aware of the CSR level of individual firms? Are the purchase decisions of consumers affected by a firm‘s CSR, and how much? How do consumers think about firms‘ motivation for being socially responsible? Mohr et al. (2001) found that consumers are positive to business in general. It is not wrong to pursue economic interests. Consumers expect firms to be socially responsible. The attitudes of consumers toward socially responsible firms are more positive than toward irresponsible firms. Consumers are aware that socially responsible firms are helping themselves by practicing CSR. But this perception of consumers does not harm the positive consumer evaluations toward socially responsible firms. The study of Mohr et al. (2001) is enlightening for researchers, managers and policy makers. For managers specifically, it is clear that consumers do care about a firm‘s CSR and act accordingly. Some consumers are highly ethical in
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Influence of tungsten and titanium on the structure of chromium cast iron

Influence of tungsten and titanium on the structure of chromium cast iron

Studies were conducted using a T-01M Tester with a ball-on- disc system, designed to evaluate the tribological properties of materials used for parts of machinery and equipment constituting the friction pairs. With this device it is possible to determine the wear resistance and friction coefficient of the material in sliding pairs, depending on the sliding velocity, surface pressure, presence and type of lubricant, contamination and other factors. The study was conducted in accordance with the methods set out in the ASTM G99 and DIN 50324 standards.
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Distributions of grain parameters on the surface of aircraft engine turbine blades

Distributions of grain parameters on the surface of aircraft engine turbine blades

In the quality assurance system for components cast using the lost wax method, the object of evaluation is the grain size on the surface of the casting. This paper describes a new method for evaluating the primary grain parameters on the surface of aircraft engine turbine blades. Effectiveness of the method has been tested on two macrostructures distinguished by a high degree of diversity in the grain size. The grounds for evaluating the grain parameters consist of geometric measurement of the turbine blade using a laser profilometer and of approximation of the measurement results using a polynomial of a proper degree. The so obtained analytical non-planar surface serves as a reference point for an assessment of the parameters of grains observed on the real blade surface of a variable curvature. The aspects subjected to evaluation included: the grain areas, shape and elongation coefficients of grains on a non-planar surface of the blade airfoil, using measurements taken on a perpendicular projection by means of a stereoscopic microscope and image analysis methods, and by making calculations using the Mathematica ® package.
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Bias and size effects of price-comparison search engines: theory and experimental evidence

Bias and size effects of price-comparison search engines: theory and experimental evidence

Price Comparison Search Engines, also known as shopping agents or shopping robots, are a class of search engines, which access and read Internet pages, store the results, and return lists of pages, which match keywords in a query. They consist of three parts: (i) a crawler, (ii) an index, and (iii) the relevance algorithm. The Crawler, or spider, is a program that automatically accesses Internet pages, reads them, stores the data, and then follows links to other pages. The Index, or catalog, is a database that contains the information the crawler finds. The Relevance Algorithm is a program that looks in the index for matches to keywords, and ranks them by relevance, which is determined through criteria such as link analysis, or, click-through measurements. This description refers to crawler-based systems, such as Google or AltaVista. There are also Directories, like Yahoo was initially, in which lists are compiled manually. Most systems are hybrid.
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An empirical investigation on factors influencing customer selection of ADSL services

An empirical investigation on factors influencing customer selection of ADSL services

In this paper, we present an empirical investigation on various factors affecting ADSL service selection in city of Tehran, Iran. The proposed model of this paper uses a standard questionnaire and distributes it among randomly selected customers who have some experiences on internet based ADSL products. The study implements factor analysis as well as weighted regression technique to perform the study. There are eight hypotheses associated with the proposed study of this paper, which indicates the effects of product marketing, place and time of marketing mix, process-marketing mix, productivity and quality of marketing mix, people, promotion and education and physical evidence on customer choice. The results of factor analysis have confirmed the impacts of the first four factors but the effects of the other factor were not confirmed. In other words, the results of the survey have indicated that product marketing, place and time of marketing mix, process-marketing mix and productivity and quality of marketing mix influence customer choice. However, the other four components including people, promotion, price and physical evidence do not play essential role on customer choice.
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An Analysis Of The Difference In Gender Level Of Cassava Production And Access To Land In Abia State Nigeria

An Analysis Of The Difference In Gender Level Of Cassava Production And Access To Land In Abia State Nigeria

From the analysis, it was found that lands were acquired majorly by inheritance and the resultant effect of this is the fragmentation of land during the acquisition and sharing of either family or community lands. The evident of this was seen on the sizes of the land cultivated by both the male and female farmers of which majority of both sexes cultivate a small farm size of 0.1-2.0ha of land with just a few who cultivate a reasonable land size this can also be seen on the number of bag of both garri and fufu produced yearly. However this Land holding in hectares favors more males than females in the study area and females had better production in cassava than male.
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The Existence Of Leading Islands Securing And The Border Areas Unitary State Of Indonesia An Analysis In Law Perspective

The Existence Of Leading Islands Securing And The Border Areas Unitary State Of Indonesia An Analysis In Law Perspective

The era of globalization is impact on the necessity for each country to be able to compete with the world competition that tends indefinitely. It is synonymous with the concept of state sovereignty reduction, technological sophistication, and world space narrowing and trade transactions development as a thinking the implementation of free trade. Globalization has had an impact on the escalation of the nation‘s defense and security threats in border region. As awareness for the perception of border region between countries to encourage policy makers to develop an assessment about the arrangement of border region equipped with the formulation of security system. As an archipelagic country, Indonesia has more than 17.504. islands with a coastline of more than 80.290 km, and borders with 10 neighboring countries. On land areas, Indonesia borders with 3 (three) countries, i.e Malaysia, Papua Nugini and Timor Leste, while on sea areas, border with 10 (ten) countries, i.e India, Thailand, Malaysia, Singapore, Vietnam, Philippines, Palau, Papua Nugini, Australia and Timor Leste. The area of this border has strategic value, in both aspects of defense and security; the border region is the territorial limits of the Republic of Indonesia are very influential on national‘s defense and security.
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An Approach to Customer Trust in the Portuguese Banking System

An Approach to Customer Trust in the Portuguese Banking System

The digital in the banking system started as a service provider that has no time or place restrictions. In Portugal, banks aim that a high number of clients use digital and mo- bile channels. However, the digital has implied structure costs that have a relevant impact on cost-to-income and banks now aim to lower that indicator. Clients do not want financial products and services whose risks are not visible at a time of economic growth but which can be serious in the future. However, through the app, clients may deposit or withdraw money at the entrance of their company or home. Sched- uling the meeting is rather simple. A bank agent drives a car that has deposit and with- drawal capabilities, a service that assists shop owners. This is not fiction. Banks will offer more and more mobile services. This is true today and will continue to expand. The Polish bank, Idea Bank, founded in 2010, offers this service and is highly suc- cess in Poland in view of its innovative nature, namely, mobile deposit service. Idea Bank clients are nowadays mainly business owners. In Portugal, Attico Bank, which belong to Millenium BCP, has now an ex- tended schedule (it is open until 8 p.m.) and has optimized its branch network. Barclays Bank has provided its client managers with XXX, allowing then to create new client accounts in fifteen minutes. These are all strategies to reduce the distance between banks and their clients, thus making clients aware of a new type of branch that will provide them with the services offered in traditional ones.
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Winning the Oil Lottery: The Impact of Natural Resource Extraction on Growth Tiago Cavalcanti Daniel Da Mata Frederik Toscani

Winning the Oil Lottery: The Impact of Natural Resource Extraction on Growth Tiago Cavalcanti Daniel Da Mata Frederik Toscani

It is important to highlight that our results apply to a specific institutional framework, given that we studied the effects of oil discoveries on the local development of only one country. For instance, the U.S. has a more widespread ownership of resources than Brazil. There are thousands of oil companies in the U.S., in contrast to the historical monopoly of Petrobras in Brazil. Furthermore, results are likely to differ between developed and developing countries. Finally, we cannot rule out the possibility that oil discoveries positively affect local development of oil municipalities but have adverse effects at the national level (through, for example, a nominal appreciation and pork barrel politics). We show that at the local level, oil discoveries are not a curse per se, and the pure market effect (i.e., when fiscal windfalls are small) benefits development. In light of the results on fiscal windfalls in the literature, it appears that the impact of the windfall effect of resource wealth is strongly dependent on the institutional setting. While natural resource extraction can foster local growth, defining good policies and institutions for use of the associated fiscal windfalls thus remains a key policy challenge for developing countries.
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Investigating the persistence of earnings components and pricing test of abnormal changes in cash

Investigating the persistence of earnings components and pricing test of abnormal changes in cash

This paper investigates the persistence of earnings components and pricing test of abnormal changes in cash for selected firms listed on Tehran Stock Exchange (TSE). The proposed study gathers the necessary data from 166 firms over the period 2004-2012 from firms whose shares were actively traded on TSE market. The study uses Panel data and with the implementation of linear regression technique examines four hypotheses. The results indicate that abnormal negative changes in cash are more persistence than positive abnormal changes. In addition, both positive and negative abnormal changes are more persistence than accruals. Market also has a good perception on abnormal positive and negative changes in cash.
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