Search results

This study aims to investigate the impact of job loss on the mental health of individuals in Tunisia during the COVID-19 crisis.

In this research, the authors use the counterfactual decomposition technique and the potential outcome approach. In the first part, the authors calculated mental health indicators for all individuals included in the sample based on the World Health Organization-5 items. The individuals were then grouped into two subpopulations: the first group included those who had lost their jobs and the second group included individuals whose status in the labor market had remained unchanged. In the second part, the authors used the Blinder and Oaxaca decomposition to explain the mean difference in the mental health scores between the two groups and determine the factors contributing to this difference.

The empirical results identified symptoms of depressed mood, decreased energy and loss of interest in several individuals. Based on these three symptoms, the authors were able to classify individuals into three types of depression: mild, moderate and severe. In addition, it appeared that job loss had significantly contributed to the worsening mental health of the individuals.

Although the psychological impact of the COVID-19 outbreak among health-care professionals has been the subject of other studies in health literature on Tunisia, to the best of the authors’ knowledge, no research has addressed the impact of job loss on the mental health of Tunisian workers. Thus, this study fills this gap in the literature.

This paper aims to evaluate the social safety nets in Tunisia using targeting performance indicators which consider the divergence observed between the beneficiary selection process at the regional level and the official identification of poor.

In the first part of this research, the author intend to quantify the degree of association between social programs coverage and poverty incidence, with special emphasis on the contribution of the center's targeting of regions and on the efforts of the regions themselves to reach their poor households. Next, the author measure four targeting errors: inclusion and exclusion errors, by eligibility and by poverty. These targeting errors help policymakers to understand how well a program is performing in terms of its specific eligibility criteria and knowing whether a social transfer is reaching poor people at the regional level.

The author’s empirical findings show there is a positive targeting differential which rejects the nullity of independence between poverty incidence and coverage of the program in Tunisia. The author then found that the overall targeting differential is accounted for by the intra-region component. After estimating the eligibility thresholds at the regional level, the author found that the targeting performance differs from one region to another, while some recorded gains that others did not.

To the best of our knowledge, no research has addressed the distinction between eligibility and poverty in the measurement of targeting errors. Thus, this paper contains research to fill this gap. It differs from previous studies in two important ways. First, the targeting errors will be estimated on the basis of the official eligibility criteria used at the regional level. Second, we estimate the eligibility thresholds by considering the programs coverage rate variations between regions based on quotas allocated to each governorate by the Ministry of Social Affairs (MSA).

The purpose of this paper is to propose the use of Islamic moral transaction mode as a moderator in sustainable Islamic microfinance banks (IMFBs) business model.

The paper highlighted the major issues of microfinance banks in Nigeria and presented an integrated model that will suffice the long-term survival of the institution. Moreover, regression analysis is also employed to examine the impacts of financial outreach on the Nigerian economic growth.

The authors find that Islamic moral transaction mode will moderate the sustainable Islamic banking business which can influence the sustenance of IMFBs and the well-being of the society through financial outreach.

The paper has empirically tested the impact of financial outreach on growth, and suggested future studies to investigate the existing relationships among the proposed model components. Therefore, further studies have the opportunity to develop measurements that will guide in testing the model, as well as strengthening its components.

Implementing this model will enhance the sustainability of IMFBs and socio-economic well-being of the society through financial outreach. Consequently, this study also suggests other policy measures that will improve the sustenance of IMFBs and the society as a whole.

The paper contributes to the existing literature of microfinance banks by linking the components of the sustainable business model to primary evidence of Sharia coupled with an in-depth link to generosity.

The purpose of this study was to evaluate the antioxidant and hypocholesterolemic activities of sardine and bogue protein hydrolysates in cholesterol-fed rats.

In total, 18 male Wistar rats (220 ± 10 g) fed 20 per cent casein, 1 per cent cholesterol and 0.5 per cent cholic acid were divided into three groups and received a daily gavage of 250 mg of sardine (SPH) or bogue (BPH) protein hydrolysates for 30 days. The third group, named control group (CG), received in the same conditions water. Lipoproteins were fractionated by size-exclusion fast protein liquid chromatography, and serum lipids, apolipoproteins and lipoproteins were assayed.

In SPH and BPH groups, serum total cholesterol concentrations were −66 per cent lower than in CG. This corresponded to the decreased very low-density lipoprotein-C in the former groups. Moreover, BPH treatment reduced low-density lipoprotein-C compared with CG and SPH groups. Compared with CG, serum phospholipids were reduced by SPH and BPH. Furthermore, BPH increased significantly APOA4 and sphingomyelin but lowered phosphatidylcholine. In the latter group, serum lecithin cholesterol acyltransferase activity was +23 per cent higher, but with SPH, this activity was −35 per cent reduced compared with CG. Apolipoprotein A-I contents were similar in the three groups. Compared with CG, hydroperoxide and lipid peroxidation contents in serum and lipoprotein fractions were reduced by SPH and BPH. Compared with CG, serum superoxide dismutase and glutathione peroxidase activities were increased in the treated groups, particularly in the BPH group.

These results suggest that sardine protein hydrolysates and particularly those of bogue could be a very useful natural compound to prevent hypercholesterolemia by both improving the lipid profile and modulating oxidative stress in cholesterol-fed rats.

The purpose of this paper is to propose a robust correntropy assisted blind channel estimator for multiple-input multiple-output orthogonal frequency-division multiplexing (MIMO-OFDM) for improved channel gains estimation and channel ordering and sign ambiguities resolution in non-Gaussian noise channel.

The correntropy independent component analysis with L₁-norm cost function is used for blind channel estimation. Then a correntropy-based method is formulated to resolve the sign and order ambiguities of the channel estimates.

Simulation study on Gaussian noise scenario shows that the proposed method achieves almost the same performance as the conventional L₂-norm based method. However, in non-Gaussian noise scenarios performance of the proposed method significantly outperforms the conventional and other popular estimators in terms of mean square error (MSE). To solve the ordering and sign ambiguities problems, an auto-correntropy-based method is proposed and compared with the extended cross-correlation-based method. Simulation study shows improved performance of the proposed method in terms of MSE.

This paper presents for the first time, a correntropy-based blind channel estimator for MIMO-OFDM as well as simulated comparison results with traditional correlation-based methods in non-Gaussian noise environment.

The national and global digital transformation makes investments in information and communications technology (ICT) by financial institutions a necessity, not only for gaining a competitive advantage but also for expanding their knowledge and learning about their customers. This study assesses the business value of ICT investments by financial institutions using a mixed-method approach.

This study adopted a mixed-method approach. First, financial data were gathered from Omani banks' annual financial reports and through a longitudinal quantitative analysis in order to assess the value of ICT in financial institutions' profitability performances. Second, a Delphi qualitative approach was utilized in order to further assess how top managers view the impact of ICT investments in different aspects of business. We used an extended balanced scorecard (finance, customer, internal process and learning and growth) and a sector perspective to address how future ICT investments can offer value that goes beyond traditional metrics of profitability.

The results of the longitudinal study demonstrated significant evidence of the impact of ICT investment on finance performance indicators; ICT value is significantly positive. Furthermore, the results indicated that there is an acceptable consensus among business and ICT managers that ICT is linked to performance indicators beyond financial; ICT value is linked also to customer indicators, internal process indicators and learning and growth indicators in addition to sector indicators.

ICT is vital for a diversified and knowledge-based economy, especially for developing countries, because modern banking and financial institutions are relatively new in economies such as those that had previously relied on cash and informal financing institutions. Therefore, continued ICT investments face challenges and may not succeed. Most of the existing literature on ICT value has focused on tangible financial performance indicators. The financial evaluation of intangible performance indicators of ICT investments still remains a problematic area of high relevance to decision-makers. The present study provides an integrated assessment that enables financial institutions to develop their strategies and assessments in terms of ICT investments and to go beyond typical, tangible financial profitability indicators. Furthermore, it integrates assessment indicators that are beyond organizations themselves and reaches sectors and countries. This type of investigation is limited in the literature yet important for the financial sector as it is highly integrated by nature and critical to the development of a nation's economy.

Understanding the main determinants of internet banking is important for banks and users. Although several prior research projects have focused on the factors that impact on adoption of technology, there is a limited empirical work which simultaneously captures technology-specific factors (PE, EE, WD, GAM) and customer-specific factors (GSC, INTRC) that help customers to adopt internet banking. Thus, the purpose of this paper is to verify how these factors influence individual behavior and motivate them to adopt new technology. The authors advance the body of knowledge on this subject by proposing moderating relationship of gamification between user’s intention to adopt and intention to recommend internet banking in social network.

To test the model the authors developed a quantitative study involving 398 internet users from five commercial banks. Data were collected in four weeks beginning of September 2017 from three large cities of Pakistan using convenience sampling approach. The theoretical model was tested using structural equation modeling (SEM).

The results indicate that intention to adopt internet banking is positively affected by performance expectancy, effort expectancy, website design, website characteristics and general self-confidence. Findings of SEM showed that approximately 72 percent of the variance in customer’s intention to adopt internet banking was accounted by predictors. Moderating effect of gamification suggested that the positive relationship between customer’s intention to adopt and customer’s intention to recommend internet banking will be stronger when gamification is higher. Importance performance matrix analysis (IPMA) suggested that among all other variables general self-confidence is the most important construct as it has the highest importance value in IPMA.

This study provides insightful guideline to practitioners, web designers and marketing professional that they should focus on both technology perspective and customer-specific factors to boost the confidence of internet banking users, while for researchers this study provides a basis for further development of technology adoption models in e-commerce domain.

This study contributes to the body of knowledge by adding game elements in technology perspective model and augments the e-commerce literature in the internet banking adoption context. To the date, this study is the first in its nature that investigates both technology-specific factors and customer-specific factors altogether to see the users influence toward technology adoption.