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This study establishes the principles and process steps of a new basic trousers pattern using measurements obtained according to the rules of the anthropometric measurement system. The newly developed pattern-making system in this study will be called the “Anthropometric Measurements Based Pattern Making System” (AnMePa). It is aimed at producing trousers that are more fitting to the body, thanks to this pattern-making system.

In this research, four pattern-making systems used in many parts of the world were compared with the “Anthropometric Measurements Based Pattern Making System” (AnMePa) with regard to the overall appearance and body fit of trousers prepared according to these systems. 10 virtual mannequins (VM) with different adult female body measurements were created, and trousers patterns were prepared for these mannequins. The trousers’ patterns were made and dressed on the mannequins in a 3D virtual dressing system. The body fit of the virtual garments was evaluated by five experts. The scores given by the experts were evaluated using the fuzzy logic method.

According to the results, it is seen that the new basic trousers pattern developed by utilizing the anthropometric measurement system, AnMePa, provides the best body fit among the basic trousers patterns created according to the other examined pattern-making systems. The combination of 3D virtual dressing and fuzzy logic in the evaluation of garment body fit is considered an innovative method for the future of fashion design and production.

In the developed AnMePa, unlike the existing pattern-making systems, values that can be associated with the body measurements of individuals in a way that could be suitable for each community were used instead of constant values in the pattern-making process. Furthermore, the integration of 3D virtual fitting and fuzzy logic in assessing garment fit is considered a pioneering approach with significant implications for the future landscape of fashion design and production.

The research evaluated the feasibility of 3D dynamic fit utilizing female compression tops by comparatively analyzing the virtual and actual dynamic fit.

Six female participants were 3D body-scanned and photographed in compression tops in four types of athletic movements (pull-up, kettlebell swing, circle-crunch and sit-up). Fit measurements, waist cross-sectional areas, waist width, waist depth, numerical simulation of clothing pressure (kPa) and objective pressure measurements (kPa) were collected from 3D virtual animation, 3D fit scan data and actual photos with the four types of athletic motions. The data were comparatively investigated between virtual and actual dynamic fit.

The 3D-animated body was not reflected with human body deformation because only bone structure was changed while maintaining the constant forms of muscle and body surface in athletic movements. Due to this consistency of virtual dynamic fit, there were significant differences with the actual dynamic fit at the top length, shoulder width and waist cross-sectional areas. Also, the virtual dynamic pressure indicated significantly higher levels than the objective dynamic pressure while presenting no significant correlations at the front neckline, breast, lateral waist, upper back, back armhole and back waist.

This study is the first to verify multiple aspects of virtual dynamic fit using 3D digital technology. This study provided useful information about which aspects of the current virtual animation need to be improved to apply in the dynamic fit evaluation.

This paper provides a quantitative assessment of the “asset ratio” rule defined in Turkey as part of measures taken to stimulate the economy amid the Covid-19 pandemic. The main objective of the new rule was to boost credit growth in the economy and provide lending for credit-constrained households and firms that are in need. A secondary aim was to shift the denomination structure of the deposits toward domestic currency. Hence, the paper focus particularly on how the policy affected the growth rate of loans and the share of domestic deposits relative to foreign ones among the commercial banks. The policy was also heavily criticized due to the possibility that it will subjugate the banking system to excessive risk. The paper explore this possible impact by measuring how much the policy affected the default risk allowances in the banking system.

The new policy required banks with deposits above a threshold level, i.e. large banks, to maintain a certain asset ratio. Banks with deposits below the threshold, i.e. small banks, were held exempt from it. The paper implement a difference-in difference methodology to assess the quantitative impacts of the asset ratio policy by taking large banks as the treatment group, and small banks as the control group.

Difference-in-difference estimation results suggest that the asset ratio policy resulted in a 9.6% rise in loans and an 8.4% rise in government securities. Deposits also increased, with no significant change in their composition. The policy initially generated a 7% increase in the credit risk allowances of banks in the treatment group, which vanished in the following periods. Based on all these, the paper argue that the policy was successful in providing liquidity to the economy without jeopardizing the financial stability.

The findings of this study show that asset ratio policy is effective in increasing credit growth in countries with limited policy space such as Turkey. While saying this, the importance of the robust and prudent structure of the banking system in the economy should be underlined. Otherwise, the policy may have an unintended consequence of raising systemic risk. The policy suggestions also apply to advanced countries where the monetary policy has reached a natural limit due to the zero lower bound (ZLB). The ZLB problem encouraged these countries to use quantitative easing schemes in the aftermath of the Covid-19 crisis, just like the global financial crisis. However, it may take a long time to undo the effects of this policy on the balance sheets of central banks. In such cases, asset ratio policy can also be considered as an alternative tool for advanced economies notwithstanding the fact that the banking system should be prudent, well-capitalized and the country should have enough fiscal space. The main objective of the asset ratio policy was to help SMEs that were in urgent need of liquidity at the beginning of the crisis. The bank balance sheet data used in this paper does not contain information about the borrowers of the loans extended during the implementation of the policy. Analysis of this dimension using matched bank-firm level data will better demonstrate the success of the policy in achieving this goal. The paper address this as the main limitation of the paper and leave that analysis for future research.

This paper provides an important contribution to the literature by assessing a new unique policy whose objective is to stimulate loans and mitigate the impact of the Covid-19 crisis on the economy. The policy in question is predicted to have effects on the asset and liability structure and risk exposure of the banking system in Turkey. The quantitative analysis in this study estimates these impacts and discusses the effectiveness of the new policy in providing a relief for firms and households in need. Whether or not the policy caused a disruption in the sound structure of the banking system in Turkey is another question addressed in the paper.

The recent progress of digital accounting has significantly affected businesses’ sustainable production process. Businesses generally use digital accounting applications to automate their operational procedures and increase their corporate efficiencies through improved output quality and sustainability. Consequently, the purpose of this study is to look into the antecedent factors that directly and indirectly influence blockchain technology adoption in the context of digital accounting systems.

The data of the current study were obtained from 346 accountants working in information technology companies. Partial least squares structural equation modeling was used to test the research proposal model.

The empirical results confirmed that the adoption of blockchain technology is most considerably impacted by perceived usefulness, whereby it was also revealed that perceived ease of use has a direct and indirect effect on blockchain technology adoption.

According to the researchers’ knowledge, this study addresses a vital research gap in the literature by suggesting a comprehensive research model that can help garner enhanced usage of blockchain technology and its implications in digital accounting systems in the Jordanian context.

Despite the perceived benefits of implementing virtual reality (VR) training in elite sport, arguably the most important element – the perceptions of practitioners – has been largely understudied. Therefore, the present study aims to explore practitioners' perceptions of VR training in elite football and baseball, with a focus on the important factors, obstacles, perceived knowledge and practical use of the technology.

A quantitative approach measuring practitioner perceptions via an online questionnaire was adopted. Football respondents (n = 25) represented practitioners from major football leagues across the world, and baseball respondents (n = 15) represented practitioners from Major League Baseball.

Both football and baseball respondents reported that the most important factor for implementation of VR training was improvement in on-field performance (technical and tactical); whilst cost was viewed as the biggest obstacle. Both football and baseball respondents also noted that the most likely group to receive VR training would be injured and rehabilitating athletes. Mann–Whitney U tests revealed that football respondents perceived coach (p = 0.02) and executive approval (p < 0.001) as significantly greater obstacles than baseball respondents.

This research provides novel and invaluable information for stakeholders within VR regarding what the elite organisations of different sports perceive as the most important factors for implementation, as well as greatest obstacles preventing use. This information should guide future development and marketing of VR training systems in sport.

Given the relevance of entrepreneurship in nation-building, studies geared towards the promotion of new businesses are crucial. This study aims to contribute to the finance and entrepreneurship literature by providing empirical evidence on the role ease of doing business plays in promoting new business establishments amidst financial stability.

The study used the fixed and random effect estimation techniques as well as the impulse response function to analyse annual panel data covering 53 African countries.

The results indicate that regulatory quality and access to electricity promote new business establishments. Also, to experience the direct effect of financial stability on new business establishments or entrepreneurship in Africa, the role of the ease of doing business cannot be isolated. The policy implication is that the creation of an enabling business environment is crucial for new business establishments.

The sample only includes countries in Africa. Future or further studies may want to expand the sample size and also consider a comparative analysis where this analysis will be done plus another region so that the differences in findings can be known.

To the best of the authors’ knowledge, this is the first study to investigate the role of ease of doing business on new business establishments in the presence of financial stability in Africa.

This paper aims to explore the lived experiences of key stakeholders working with homeless people during the implementation of universal credit during the austerity years.

The literature on austerity reveals welfare reforms’ impact on support services staff. Service providers’ perceptions of the impact of austerity-led policies and welfare reform via nine interviews with people working in homelessness organisations in Brighton and Hove in the UK. Service providers see the situation for their service users has gotten worse and that the policies make it more difficult to extricate themselves from their current situation. Three central themes relating to the impact of austerity-led welfare reforms were, namely, Universal Credit: the imposition of a precarious livelihood on welfare claimants; a double-edged sword: “If people are sanctioned: people can’t pay”; and “Hard to maintain my own mental equilibrium”.

More precisely, this paper captures service providers’ perceptions and experiences of the impact of austerity-led policies on their services and how they believe this, in turn, impacts their clients and their own lives.

The dimension cuts across service provision to vulnerable people and is intertwined with health and well-being outcomes. Austerity is detrimental to the health of service users and their clients. It is known that when it comes to the health and well-being of the most vulnerable, who have suffered most from the impacts of austerity policies. However, in times of open austerity, it falls also on those trying to ease their suffering.

The data suggest that policies were developed and accentuated by austerity, which led to the stripping of welfare support from vulnerable people. This process has impacted the people who rely on welfare and service providers.