RESEARCH ARTICLE | April 22, 2017
The Effects of Agency Banking Satisfaction on Customers Growth in the Kenyan Banking Sector
George Gachuru, James Mwangi
Page no Sch. Bull.; 2017, 3(4): 159-163 |
N/A
Abstract: The study was carried out within the older Kiambu District in three banks; Equity Kenya Commercial Bank and Cooperative Bank. The research primary focus was to attest the effect of agency banking satisfaction in relation to customers’ growth in the banking sector. This is because Commercial banks have pioneered in ascertaining colossal agents despite the short period after the instigation of the program by Central bank. Descriptive research design was adhesively used to hold together critical research variables. It afforded researcher with a pathway that aided in spawning a well-defined structure. The researcher beheld research design as the engine that drove his entire research to its packed completion [1]. The descriptive design selected provided genuine means in achieving the itemized research objectives through empirical evidence that was acquired economically. Both non-probability and probability sampling techniques were used. Purposive sampling was used in selecting the three banks of study out of the eight banks practicing the agency banking, the scope area of study and the sample size drawn to represent the customers and the bank employees. Stratified randomly technique was used to survey two customers from each of the 28 agents sampled. The findings of the study shows that 54 out of 56 customers responded giving a 96.33% Response rate. Descriptive research design was used to analyze information statistically. From the findings, an average of 600,000 customers transact on agency banks daily. This stimulates an opening of decongesting the banking halls. The study also found that 80.3% of these customers are satisfied by services rendered by branchless banking.
ORIGINAL RESEARCH ARTICLE | April 22, 2017
Associations of Anthropometric Variables of Obesity with Blood Pressure and Gender Disparities Observed in a Referral Hospital in the Niger Delta of Nigeria
Tamaraemumoemi Emmanuella Ambakederemo, Sotonye Tamunobelema Dodiyi-Manuel
Page no 239-244 |
10.36348/sjmps.2017.v03i04.001
Studies on gender disparities of traditional cardiovascular risks such as anthropometric factors are limited in black Africans. We aimed to examine the relationship between anthropometric parameters and blood pressure (BP) and possible gender differences in hypertensive adult Nigerians. A cross sectional study was carried out involving 261 adult hypertensive patients recruited consecutively at the medical out-patient clinic of Niger Delta University Teaching Hospital. They comprised 118 males and 143 females aged 26years to 94years. Their BP and anthropometric measurements were assessed using standard protocols. More than 70% of subjects were either overweight or obese. Females had significantly higher WC, WHtR and BMI than males. For females, BP had a significant positive correlation with anthropometric measures and a regression analysis showed BMI in females was the most important anthropometric index in predicting systolic BP (SBP) and diastolic BP (DBP). For males, none of the anthropometric measures correlated with SBP or DBP. Female hypertensives were significantly more obese than males. Indices of adiposity in females had a direct relationship with BP but not so in males. Further studies are needed to assess gender disparities in cardiovascular risk factors.
ORIGINAL RESEARCH ARTICLE | April 22, 2017
In Vitro Free Radical Scavenging Activity of Tolypiocladia Glomerulata (C.Agardh) F.Schmitz
Mohanapriya N, Murugesan S, Sivamurugan V
Page no 245-249 |
10.36348/sjmps.2017.v03i04.002
Marine algae are in exhaustible sources of chemical compounds contain bioactive compounds that plays an important role against various diseases against the aging process because they protect cells from oxidation. The present study is aimed to analyze the phenol and flavonoids content of the marine red alga Tolypiocladia glomerulata and their potential of free radical scavenging properties. The free radical scavenging capacity of the red alga was analyzed by inhibiting the 2,2-diphenyl-1-picrylhydrazyl (DPPH) and 2,2'-azino-bis (3-ethylbenzothiazoline-6-sulphonic acid) (ABTS). The maximum percentage of inhibition (61.13 ± 0.02% for DPPH and 50.35 ± 0.00 for ABTS) was observed at the concentration of 900 μg/mL. The free radicals scavenging ability of extracts followed close dependent trend. The results indicate that the red alga T. glomerulata have good free radical scavenging capacity with ABTS and DPPH and it could be used as a potential candidate for natural antioxidants
RESEARCH ARTICLE | March 31, 2017
Farmers' Participatory Demonstration of Nitrogen Application Methods during T. Aman Season in Barisal Region of Bangladesh
M. M. Mahbub, M. G. Ali, M. A. J. Mridha, B. J. Shirazy
Page no 50-53 |
10.21276/haya.2017.2.2.5
The demonstration was carried out at the farmers’ fields of Barisal region of Bangladesh to evaluate the
effectiveness of fertilizer application methods in T. Aman rice in non-saline tidal flooded soil during July to December,
2015. Twenty-five-day old seedlings of BRRI dhan52 was transplanted in randomized complete block design with three
replications. The trial was conducted in five locations (Babuganj, Barisal; Nolchiti, Jhalokathi; Barisal Sadar, Barisal;
Amtoli, Barguna and Kolapara, Patuakha). Deep placement of urea super granule (USG) (1.8 g size) + PKSZn from
BRRI recommended dose was compared with BRRI recommended fertilizer dose and farmers’ fertilizer management.
The result showed that USG treated plots produced statistically the highest grain yield and less spikelet sterility
compared with BRRI recommended fertilizer dose and farmers’ practices at all locations. Also, panicles per unit area and
grains per panicle were highest in USG treated plot than broadcasted urea. Thus, the results revealed that USG
application is the best N source in non-saline tidal ecosystem of Barisal region in T. Aman rice.
ORIGINAL RESEARCH ARTICLE | March 31, 2017
Deficit Financing in the Process of Economic Development in Nigeria
Monogbe Tunde G, Okah O. John
Page no 322-329 |
10.21276/sjbms.2017.2.3.26
These empirical research works is anchored on the three fundamental and theoretical arguments that emanated
between the Keynesian school, the neoclassical school of thought and Ricardo hypothesis and their view on deficit
financing with respect to its contribution to economic development. Despite the huge quantum of debt Nigerian
government accommodate yearly, the expected level of development is not been attained as larger percentage of her
citizens still lives in abject poverty, low standard of living and high level of unemployment and so on. At this junction,
one begins to wonder why the theoretical suggestion dose not seems to be working in the Nigerian context. It is based on
these hullabaloos that this study seeks to investigate the effect of deficit financing on development of the Nigerian
economy between the periods 1981 to 2015 using error correction model and granger causality test. Study report that
Federal government external debt exhibits a significant P-value of 0.0173 with a positive coefficient of 0.000031
suggesting that 1% increase in government external debt is capable of stimulating economic development in Nigeria to
the tune of 0.00003. The report of the causality test also validate the report in the error correction model and thus suggest
that external debt significantly contribute to the development of the Nigeria economy while domestic debt and deficit
budget does not seems to granger cause economic development in Nigeria. On this premises, study conclude that deficit
financing is a vital stimuli in promoting economic development in Nigeria if adequately channel for the original purpose
for which it was meant for. Furthermore, study thus validates the Keynesian postulation of the existence of positive
relationship between deficit financing and economic development. On this note, study recommend that managers of the
Nigerian economy should coordinate the appropriation of borrowed fund and ensure that it is properly channelled
towards improving the capital and production dominance of the nation as this will further help in achieving a sustainable
level of economic development in Nigeria.
RESEARCH ARTICLE | March 31, 2017
Neurosyphilis and Intake of Cerebrospinal Fluid (CSF)
Dr. Nawal Bougrine, Dr. Amadou Djibrilla, Dr. Mereym Mahha, Dr. Assya Khermach, Dr. Houssain Louzi, Pr. Addelhadi Rouimi
Page no 54-57 |
10.21276/haya.2017.2.2.6
The Neurosyphilis is the most severe neurological complication of the active syphilis. It puts real diagnostic
problems because of the ascendancy of the atypical forms. Our objective is to analyze the clinical symptoms and to
assess the relevance of the different laboratory findings in cerebrospinal fluid (CSF) and serum for the diagnosis and
survey of active neurosyphilis. A retrospective study of six hospitalized neurosyphilitic patients at Hospital Moulay
Ismail of Meknès from 2003 to 2015 was carried out. Neurosyphilis can be grouped in two categories: early (meningeal
and meningovascular neurosyphilis) and late (progressive general paralysis and tabes dorsalis). All patients are HIV
negative. All the patients are benefited for an examination cytochimique of the CSF and an examination immunological
with the tests VDRL and TPHA for the search for the specific antibodies in the CFS and the serum. The CSF anomalies
in neurosyphilis included elevated cell count with lymphocytic-plasmocytic cell reaction, increased protein content,
strongly positive blood and CSF serology.
ORIGINAL RESEARCH ARTICLE | March 31, 2017
Functionality of Career Advancement and Organizational Effectiveness: Nigerian Deposit Money Banks Perspective
Adewoye, Jonathan Oyerinde, Dr. Abioro, Matthew Adekunle, Dr. Adele, Hasimiyu Ademola
Page no 297-304 |
10.21276/sjbms.2017.2.3.23
The study provides a holistic view of how employees‟ career advancement can affect organizational
effectiveness among selected deposit money banks in Nigeria. The specific objective is to determine the relationship
between career advancement and organizational effectiveness in the Nigerian deposit money banks. Primary data was
collected from a total of seven (7) banks from existing twenty one (21) licensed banks by Central bank of Nigeria (CBN)
through structured questionnaire to elicit information on career development. Data collected were analyzed using both
descriptive statistics to determine the relationship between respondents socio-economic characteristics and organizational
effectiveness while inferential statistics of Pearson Product Moment Correlation coefficients (PPMC) was employed to
analyze the relationship between the variables of career advancement and organizational effectiveness respectively.
Findings revealed that employee career advancement in the organization exert a great influence on the operations of
deposit money banks in Nigeria, and as such banks management should invest in employees‟ development to stem
employee turnover and improve productivity.
ORIGINAL RESEARCH ARTICLE | March 31, 2017
Identification and immune recognition of viral epitopes of West Nile Virus envelope glycoprotein and their potentials of acting as peptide vaccine
Marwan Mustafa Badawi, Samar Abdalaziz Ahmed, Malaz Abdelbagi Elgelani, Tassneem Hamid Alnourain, Mohamed Hassan Mabrouk, Alaa Salah Aldein SidAhmed
Page no 27-61 |
10.21276/sjbr.2017.2.2.2
West Nile virus (WNV) is a small, enveloped, mosquito transmitted virus with a positive sense, 11 kb RNA
genome. It was first isolated in 1937 from a woman with an undiagnosed febrile illness in the West Nile district of
Uganda, WNV is currently the most widely distributed arbovirus in the world, occurring in all continents except
Antarctica, there are no clinically approved vaccines or antiviral drugs, thus, the aim of this study is to analyze envelope
glycoprotein variants using in silico approaches looking for conservancy, which is further studied to predict all potential
epitopes that can be used after in vitro and in vivo confirmation as a therapeutic peptide vaccine. Total of 149envelope
glycoprotein variants retrieved from NCBI database were introduced to IEDB conservancy tool, to select the highly
conserved regions for epitopes prediction. By means of IEDB analysis resource B and T cell epitopes were predicted
and population coverage was calculated. Three epitopes were proposed for international therapeutic peptide vaccine for B
cell (DLSTKAACPTMGEAHNDKRADPAFV, YGEVTVDCEPRSGIDTN and PVEFSSNTVKL). Regarding T cell,
RSYCYLATV epitope was highly recommended as therapeutic peptide vaccine to interact with MHC class I along with
five other epitopes that showed good population coverage against whole world population. Two epitopes showed high
affinity to interact with MHC class II alleles ( IKYEVAIFV and WFMDLNLPW ). Epitopes defined by methods such as
the one described here are likely to contribute substantially to the development of new in vivo and in vitro research
,diagnostic and vaccines for WNV and other emerging infectious diseases.
REVIEW ARTICLE | March 31, 2017
Exploring Model of Entrepreneurship Success: A Summary Review of the Literature
Rikinorhakis Ridzwan, Nik Maheran Nik Muhammad, Anis Amira Ab Rahman
Page no 270-277 |
10.21276/sjbms.2017.2.3.20
Nowadays, entrepreneurship literature has become an important component for the development of
productivity and economic growth. The entrepreneurial activity is one of the contributors to the country’s economic
development. From that, this paper examines five entrepreneurship models with underlying empirical studies. These are;
(1) Conceptual Framework of Business Success, (2) Model of the Entrepreneurship Process, (3) Conceptual Framework
of Business Success in SMEs, (4) A Model of Strategic Entrepreneurship, and (5) Input-Process-Output Model of
Strategic Management. These models are useful and a thorough understanding of how an entrepreneur’s success is
important, because this will lead to the development of new tools, such as (1) tools for business to improve their
innovation and growth processes and, (2) tools for governments to develop new policies to support and direct economic
growth.
CASE REPORT | March 31, 2017
Idiopathic hypereosinophilic syndromes and diagnostic difficulties
A. Taghouti, S. Figuigui, Z. Bennani, H. khalki, Z. Amhaouch, F. Aich, I. Tlamçani, M. Amrani Hassani
Page no 90-93 |
10.21276/sjpm.2017.2.3.9
Hypereosinophilia is defined by blood eosinophil count greater than 0.5 x 109 / L, it is a biological symptom
which should not be neglected given the risk of visceral complications. However, any eosinophilia should be thoroughly
investigated in order to define the etiology and treat it. Diagnosis of idiopathic hypereosinophilic syndrome HES can be
retained after elimination of parasitic, allergic and haematological causes in the presence of a blood eosinophilia greater
than 1.5 x 109 / L evolving over a period of at least six months and complicated by at least one visceral lesion. The
visceral sites observed are not specific among which the cardiac and neurological attacks are the most dangerous
compared to the other attacks: bronchopulmonary, liver, digestive, renal, cutaneous. We report an observation of
persistent hypereosinophilia in a patient with exclusively digestive signs and the diagnostic difficulties encountered.
ORIGINAL RESEARCH ARTICLE | March 31, 2017
The Effect of Bioenergy and Pollution on Economy of Pakistan
Wajeeh Ullah, Zia Ur Rahman
Page no 305-311 |
10.21276/sjbms.2017.2.3.24
This paper investigates the Effect of Bioenergy and pollution on economy of Pakistan. Unit root and
integration tests have been used to check unit root properties and long-run relationship for the times of 2001Q1 to
2015Q2. The relevant result shows there is a long run relationship exists between the pollution and bioenergy. In short
run, there is no effect or low effect of bioenergy on economic growth of Pakistan which have to possess no contributions
for economic development. The study further investigates to show that biomass as the basic source of renewable energy,
cooperate Pakistan to gain durable improvement aim in the long run as well as in short run. On other hand, government
needs to take a serious step to control the pollution level in Pakistan.
ORIGINAL RESEARCH ARTICLE | March 31, 2017
Decision Model Becoming Customer: Service Quality, Perceived Price, and Promotion (Case Study on PT. XYZ Media Company, Jakarta)
Welda Christina Sirait, Hapzi Ali
Page no 287-298 |
10.21276/sjhss.2017.2.3.12
The pay TV and internet connection business in Indonesia has experienced significant growth in recent years
that it is forecast to have 15 percent increase or approximately will be generating 6 to 9 million more new customers. But
on the sales aspect or gaining new customers are yet to catch better satisfactory level. For example, in XYZ Media
Company, its target to reach 25,000 new customers in five major cities in Indonesia (Jakarta, Bandung, Semarang,
Surabaya, Medan) has yet gained only 5,000. From the preliminary research, it is shown that XYZ Media Company was
not yet optimal for providing satisfaction to its customers, particularly in various aspects, such as: Image Quality,
Featured Channels, Internet connection, Price competition, while its customers have more satisfaction on at its internet
access speed only. This research is utilizing a descriptive study, with explanatory and non probability sample taking
method, taken for free by the researcher from XYZ existing customers in the Greater Jakarta area. Total population
covers 933 people, and using Slovin sampling techniques which has gathered a sample of 90.3 people. Method being
utilized here is Multiple Regression Analysis and processed by SPSS version 22.0. Before the analysis was taken, there
was questionnaire instrument test for research the validity and reliability as well as classical assumptions. There was also
a partial hypothesis test (t test) and simultaneous testing (Test F) with error tolerance level of 5%. The results showed
that all variables which include: Service Quality, Perceived Price, and Promotion have generated positive and significant
impact for prospects to decide becoming XYZ Media customers.
ORIGINAL RESEARCH ARTICLE | March 31, 2017
Urban Infrastructure Provision in Nigeria: A Critique of the Funding Strategy
Francis P. Udoudo, John O. Udoidem
Page no 256-263 |
10.21276/sjbms.2017.2.3.18
Urban infrastructure includes physical structures and facilities that are developed or services provided by the
public or private institutions to enhance the efficient functioning of an urban centre. In Nigeria, urban infrastructure are
largely financed, owned and managed by government at the various tiers through established public agencies. This
research is aimed at critically examining the funding strategy of urban infrastructure provision in Nigeria. The objectives
included to examine the current state of urban infrastructure in Nigeria, to review the funding policy of urban
infrastructure provision in Nigeria and to assess the impact of the funding strategy on urban infrastructure provision. Data
for this study were collected from mostly secondary source. The research concluded that the Nigerian government has
been guilty of neglecting or under-funding infrastructure development due to either poor budgeting, estimation of
acquisition, maintenance cost or sheer mismanagement of funds allocated for such projects. The paper recommended that
funding of urban infrastructure provision and maintenance should be embodied in the national budget while monitoring
of the executed projects should be performed by the statutory government agencies. This will ensure that the value for
money spent is realized.
ORIGINAL RESEARCH ARTICLE | March 31, 2017
Profile of Neoplastic Colorectal Lesions- A Five Year Study
Dr. Ch. Jyothi, Dr.Vijaya KT, Dr. V. Sailaja, Dr. Veldurthy Vijay Sreedhar, Dr. M. N. P. Charan Paul, Dr. O. Sireesha
Page no 83-89 |
10.21276/sjpm.2017.2.3.8
Colorectal diseases are frequently encountered in clinical practice. They range from minor problems causing
minimal discomfort to potentially serious diseases causing much morbidity and mortality. Clinically most of these
disorders present with non-specific symptoms like altered bowel habits, diarrhea, bleeding per rectum either melaena or
fresh hemorrhage; thus causing much delay in drawing attention. Early detection and proper management are essential to
reduce the morbidity and mortality. Various diagnostic tools are developed in the recent past, improving the detection
and assessment of these lesions. To study the profile of various neoplastic colorectal lesions and to know the relative
frequency of various diseases, and to know the age, sex incidence and site of occurrence of the neoplastic colorectal
lesions. This study was carried out in the Department of Pathology, NRI Medical College, Chinakakani, Guntur district.
ORIGINAL RESEARCH ARTICLE | March 31, 2017
Measuring the Advocacy Levels for UBT Student by Using Net Promoter Score
Khalid M. Al-Zamil
Page no 264-269 |
10.21276/sjbms.2017.2.3.19
Net Promoter Score is a measure used successfully in the commercial fields. In this research we want to apply
it on an academic field. Nowadays, there are three universities that are offering MBA program in Jeddah city or we can
say in the Western region of Saudi Arabia, and UBT is one of them. In this research we want to measure the advocacy
levels for UBT students and explore key interactions and their importance to students. This will show MBA students to
what extend they promote this prog