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The last twenty years has seen a revolution in consumer credit, with more and more people borrowing on an increasing scale. The explosion in demand for consumer credit could probably not have been met successfully without the development of better and more efficient techniques for handling a key decision. This decision — whether or not to lend money to a prospective borrower — underpins all credit operations. The well‐being of a credit institution, and ultimately its survival, depends on the ability to make this fundamental lending decision correctly.

Since the first Volume of this Bibliography there has been an explosion of literature in all the main areas of business. The researcher and librarian have to be able to uncover specific articles devoted to certain topics. This Bibliography is designed to help. Volume III, in addition to the annotated list of articles as the two previous volumes, contains further features to help the reader. Each entry within has been indexed according to the Fifth Edition of the SCIMP/SCAMP Thesaurus and thus provides a full subject index to facilitate rapid information retrieval. Each article has its own unique number and this is used in both the subject and author index. The first Volume of the Bibliography covered seven journals published by MCB University Press. This Volume now indexes 25 journals, indicating the greater depth, coverage and expansion of the subject areas concerned.

The librarian and researcher have to be able to uncover specific articles in their areas of interest. This Bibliography is designed to help. Volume IV, like Volume III, contains features to help the reader to retrieve relevant literature from MCB University Press' considerable output. Each entry within has been indexed according to author(s) and the Fifth Edition of the SCIMP/SCAMP Thesaurus. The latter thus provides a full subject index to facilitate rapid retrieval. Each article or book is assigned its own unique number and this is used in both the subject and author index. This Volume indexes 29 journals indicating the depth, coverage and expansion of MCB's portfolio.

Design prescriptions to create web‐based courses and sites that are dynamic, easy‐to‐use, interactive and data‐driven, emerge from a “how to do it” approach. Unfortunately, the theory behind these methods, prescriptions, procedures or tools, is rarely provided and the important terms, such as “easy‐to‐use”, to which these prescriptions refer are not defined. The empirical results reported here bring lighting on the meaning of several design prescriptions that contain qualitative attributes. This paper aims at clarifying the meaning of several web‐based course design prescriptions found in the literature in the context of two music web‐based courses. Two examples are presented and the results of the students’ assessment regarding several design prescriptions are given. First, what we learned while producing the first release of the web part of an undergraduate music course entitled Teaching and Music Technology is presented. Then, what else we learned when the second release was assessed by students is detailed. The next part concerns what we used while developing the undergraduate music course French‐Canadian folk which gives access to several music files and scores. Again the results of the students’ assessment are presented. The list of the various technologies that must be highly mastered to produce such musical content is given.

This paper aims to investigate the help-seeking behaviour of users during their information-seeking in a digital library, studying the kind of help-seeking situations, help requests and using help resources with different interactive levels. For this purpose, users’ help-seeking behaviour (postgraduate students at Ferdowsi University of Mashhad) was investigated based on different stages of Marchionini’s adapted model.

This research was performed using the mixed method. In total, 38 postgraduate students at Ferdowsi University were selected by Stratified Purposive Sampling method as samples. Selecting a digital library based on considered factors, preparing help resources and designing research scenario were made as the preparation stages of performing the study. The tools used for collecting and analysing data were questionnaires, think aloud protocol and Morae software.

Some of the considerable results of this research were recording the help-seeking signs in all four main stages of the adapted information-seeking model. However, in the search stage, in which a user enters the search process practically, the need for help-seeking was recorded more than it in other stages. Results also confirmed that most help requests by users were for executive help which were rooted in users’ knowledge shortcomings and their passivity in help-seeking process. Because of the flexibility and speed of providing responses, participants also tended to interact with more interactive and flexible help resources and assessed this interaction more useful.

According to the findings of this research, the adapted information-seeking model used in this study was completed, and a theoretical model for information-seeking in a digital library was suggested. In this model, help-seeking is considered as a supportive and complementary behaviour for information-seeking behaviour which begins in help-seeking situations and continues to solve problems in these situations.

This paper aims to highlight some learning and teaching challenges in relation to universities and colleges in the Gulf region, including students' learning preferences, and cultural aspects. It explores the sequential‐global learning styles profile of undergraduate students as part of a continuous research in Information Systems Design with a particular focus on the design of Interactive Learning Systems (ILS).

The paper examines the learning style profile of undergraduate students for a cohort of Management Information Systems at a regional university in the UAE. It uses the Index of learning styles instrument as a tool for measuring the sequential‐global learning styles dimension. Also, the paper conducts a literature review of different aspects related to current challenges facing undergraduate students in the Gulf region as well as design principles related to the interactivity of learning systems.

The results show overall equal tendency towards both the sequential and global styles, different from a previous paper conducted in UK university. The paper highlights some students' differences that should be catered for in ILS design.

The paper is expected to provide further insights into some of the challenges facing many students doing their undergraduate degrees as well as the importance of a carefully balanced design of ILS (balance and bend model) to cater for students' different preferences and needs. A discussion and recommendations on how these findings can be reflected on the design of ILS are provided.