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Micro, small and medium-sized enterprises (MSMEs) are the backbone of economic development for every economy. They contribute to local economic development through household wealth creation, employment generation and poverty reduction. Despite this pivotal role, MSMEs lack access to finance, and scholarship on the enabling role of financial inclusion on micro, small and medium-sized enterprises' performance is scant. The authors contribute to closing the knowledge gap by examining the enabling effect of financial inclusion on MSMEs using the FinScope MSME 2017 survey for the Kingdom of Eswatini. This paper aims to discuss the aforementioned objective.

The study used the re-centered influence function regression framework to estimate unconditional quantile regressions and the generalized ordered logit model to analyze the data.

The findings from the unconditional quantile regression revealed that small changes in access to bank accounts, saving for business, formal saving, stokvel and informal saving at the 50th and 75th percentiles have a positive and statistically significant effect on microenterprises' annual turnover profit. Conversely, small changes in formal insurance have a mixed effect on annual turnover profit. At the 10th and 25th percentiles, a small increment in insurance reduces annual turnover profit but increases microenterprise annual turnover profit at the 75th percentile. Meanwhile, the evidence from the generalized ordered logit model showed that financial inclusion reduces the likelihood of microenterprises being classified as least developed and increased the chances of microenterprises falling into emerging and developed business categories.

This study makes use of a cross-sectional survey dataset, as a result, it does not infer causal relationships over the long term, but rather an association between the independent and dependent variables.

Overall, formal and informal financial inclusion enhances the annual turnover profit for microenterprises, particularly at the 50th and 75th percentiles in the Kingdom of Eswatini. The authors recommend a specialized institution such as a micro, small and medium-sized partial credit guarantee scheme to improve the quality and affordability of credit for microenterprises, and a mix of financial and non-financial supports depending on the development stage to boost a sustainable microenterprises' sector.

The study uses two advanced cross-sectional techniques, the recentered influence function framework and the generalized ordered logit model to analyze the data. The paper is original and contributes to the discussion of the role of financial inclusion in enabling microenterprises' success in Africa, using the FinScope 2017 survey of microenterprises in Eswatini as a case study.

The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-10-2020-0689.

The operation safety of the high-speed railway has been widely concerned. Due to the joint influence of the environment, equipment, personnel and other factors, accidents are inevitable in the operation process. However, few studies focused on identifying contributing factors affecting the severity of high-speed railway accidents because of the difficulty in obtaining field data. This study aims to investigate the impact factors affecting the severity of the general high-speed railway.

A total of 14 potential factors were examined from 475 data. The severity level is categorized into four levels by delay time and the number of subsequent trains that are affected by the accident. The partial proportional odds model was constructed to relax the constraint of the parallel line assumption.

The results show that 10 factors are found to significantly affect accident severity. Moreover, the factors including automation train protection (ATP) system fault, platform screen door and train door fault, traction converter fault and railway clearance intrusion by objects have an effect on reducing the severity level. On the contrary, the accidents caused by objects hanging on the catenary, pantograph fault, passenger misconducting or sudden illness, personnel intrusion of railway clearance, driving on heavy rain or snow and train collision against objects tend to be more severe.

The research results are very useful for mitigating the consequences of high-speed rail accidents.

This paper aims to analyze the determinants on job satisfaction in the Egyptian labor market, using Egypt’s Labor Market Panel Survey (ELMPS), the wave of 2012.

Several determinants are analyzed including the wage level, the paid and sick leaves, the medical and social insurance, job stability among other individual and job characteristics. To this end, an ordered logit model is estimated to assess the significance of these different variables as determinants for job satisfaction.

The empirical findings indicate that wages and stability are major determinants for job satisfaction for the sample of wage workers. However, the results change according to gender; the hourly wage level affects men’s level of job satisfaction, while it does not affect that of females. Furthermore, the job satisfaction of women is determined more by the job characteristics rather than the monetary compensation.

The empirical findings shed light on the importance of formalizing jobs, as it has an effect on the level of job satisfaction of both women and men.

To the best of the authors’ knowledge, this is the first paper to examine the determinants of job satisfaction for wage workers in Egypt using the ELMPS data.

The purpose of this paper is to detect the determinants of cruise tourists’ expenditure level during their visits to an emergent Mediterranean port city. The article also aims to discuss its findings and contrast them with previous similar studies in other territorial contexts.

The study is based on surveys conducted on 1,010 cruise tourists that visited the city of Tarragona (Catalonia) during 2017. An ordered logit model is implemented to measure the impact of different variables related to the tourists’ characteristics and their activities developed at the destination.

Results underline diverse significant influences of multiple factors on the expenditures, such as the travel party, the age of the visitors, the length of stay and the tourists’ activities in the city. Although no incidence has been detected of variables related to the satisfaction with the visit of the cruise passengers in general, a positive association has been identified for those cruise passengers travelling on super-sized ships.

This study tests the effect of different variables that the literature pinpointed as determinants of the cruise tourists’ expenditures as well as other variables that have been underexplored in existing studies. The findings of this article are of special value for public and private organisations to optimally manage and market cruise tourism and boost the local economic impact.

本文的主要目的是研究游轮游客在地中海某新兴港口城市旅游期间支出水平的决定因素。同时, 本文也对研究结果进行了探讨, 并将其与以往在其他区域背景下的类似研究进行对比。

本研究对1010名游轮游客进行了调查, 这些游客在2017年访问了塔拉戈纳（加泰罗尼亚）。随后, 通过运用有序逻辑模型, 对涉及旅游目的地的游客特征及其旅游活动的不同变量的影响进行了衡量。

研究结果表明, 旅行团体规模、游客年龄、停留时间和游客的城市活动等多种因素对旅游支出有着不同程度的显著影响。尽管本研究未检测到与游轮游客的总体访问满意度相关的变量, 但在大型游船上的游轮游客中, 检测出了积极的相关关系。

本研究检验了现有文献提出的不同变量, 以及文献中尚未充分探讨的其他变量对游轮游客支出的影响。本研究的成果对公共和私人组织进行游轮旅游的优化管理和市场营销, 以及提高地方的经济影响力的实践具有特殊的价值。

邮轮旅游，巡洋舰，塔拉戈纳，游客的支出

研究论文

El objetivo principal de este artículo es detectar los determinantes del nivel de gasto económico de los turistas de cruceros durante sus visitas en una ciudad portuaria emergente y mediterránea. El artículo también pretende discutir sus hallazgos y contrastarlos con estudios similares realizados previamente enotros contextos territoriales.

El estudio se basa en encuestas realizadas a 1.010 turistas de cruceros que visitaron la ciudad de Tarragona (Catalunya) durante 2017. Se ha implementado un modelo logit ordenado, para medir el impacto de diferentes variables relacionadas con las características de los turistas y sus actividades desarrolladas en el destino.

Los resultados subrayan diversas influencias significativas de múltiples factores sobre los gastos económicos de los turistas de cruceros, como el tamaño del grupo de viaje, la edad de los visitantes, la duración de la estancia y las actividades desarrolladas en la ciudad. Aunque en general no se ha detectado ninguna incidencia de variables relacionadas con la satisfacción con la visita a la ciudad, se ha identificado una asociación positiva para los pasajeros de cruceros que viajan en barcos de gran tamaño.

Este estudio prueba el efecto de diferentes variables que la literatura existente ha identificado como determinantes del gasto económico de los turistas de cruceros, así como otras variables no exploradas previamente. Los hallazgos de este trabajo son de especial valor para las organizaciones públicas y privadas para administrar y comercializar de manera óptima el turismo de cruceros e impulsar el impacto económico local.

Turismo de cruceros, cruceros, Tarragona, gasto turístico

In Morocco, universities have opted for online courses as a national effort to contain the coronavirus since the early stage. This article aims to analyze university students’ satisfaction with their distance learning experience during the COVID-19 pandemic.

This article is based on the statistical analysis of a survey conducted in 2020 at the national level among 800 university students from all disciplines enrolled in open access and regulated access institutions in Morocco. Econometrically, the authors used the ordinal logistic regression model after checking several conditions justifying its use.

Findings from analysis reveal that students lacking basic computer skills have a negative perception of this new mode of learning. The results also show a certain sensitivity of the students to the way in which the courses are taught. The satisfaction of the learners largely depends on the duration of the courses, the interactivity, and the teaching methods adopted. In designing, developing, and delivering distance education courses, students’ needs should be taken care of.

This article suggests that for public policies, professional training for teachers should equip them with the pedagogical skills so that they can adjust their teaching according to students’ levels. Training in digital tools must also be provided to bridge the digital divide and accelerate positive change and adaptation to this new mode of training. In addition, this article highlights the role of interactivity in increasing adaptation to distance learning.

This study aims to identify clusters amongst the county housing markets in Poland, taking into account the criteria of size and quality of the housing stock, as well as price level. In addition, this work is intended to detect the socio-economic factors driving the cluster formation.

To group the studied housing markets into homogeneous clusters, this analysis uses a proprietary algorithm based on taxonomic and k-means++ methods. In turn, the generalised ordered logit (gologit) model was used to explore factors influencing the cluster formation.

The results obtained revealed that Polish county housing markets can be classified into three or four homogeneous clusters in terms of the size and quality of the housing stock and price level. Furthermore, the results of the estimation of the gologit models indicated that population density, number of business entities and the level of crime mainly determine the membership of a given housing market in a given cluster.

In contrast to previous studies, this is the first to examine the existence of homogeneous clusters amongst the county housing markets in Poland, taking into account the criteria of size and quality of the housing stock, as well as price level simultaneously. Moreover, this work is the first to identify the driving forces behind the formation of clusters amongst the surveyed housing markets.

This paper aims to examine the effect of a food-inspired multimedia intervention on children’s fruits and vegetables (F&V) consumption in a real-life setting during lunch.

Children in an elementary school in Bologna (Italy) in third, fourth and fifth grade, aged between 9 and 12 years old, were examined (N = 171). Two different types of messages (generic and specific) were used to test message-tailoring in two separate intervention groups and one control group. The two intervention groups (classes) were presented with multimedia messages during an English lesson before lunchtime, and their eating behavior during lunch at school was observed. All children were served the first and second course, vegetables and fruit during lunchtime. Data was analyzed with R 3.4.2. Mann–Whitney U, Kruskal–Wallis and ANOVA tests were used to test for group differences, ordered logistic regression for modelling fruit and vegetable consumption.

The results show that children receiving a specific message targeting F&V consumed more fruit than the other two study groups. No effect on vegetable consumption was observed. Results from an ordered logit model support the notion that the multimedia message impacted fruit intake in the specific message group when taking other variables into account, such as F&V consumption and availability at home and children’s attitude toward F&V.

While many studies have considered a group of intervention for understanding the effect of multimedia, this study is focused only on the effect of a message (generic or specific). Moreover, participants, children, were not informed that they were participating in a study on fruit and vegetables consumption, and thus were following their daily routine.

This paper aims to explore the drivers behind the accuracy of self-reported home valuations in the Warsaw (Poland) housing market.

In order to achieve the research goal, firstly, unique data on subjective residential property values estimated by their owners were compared with market-justified ones. The latter was calculated using geographically weighted regression, which allowed for taking into account spatially heterogeneous buyers' housing preferences. An ordered logit model was then used to identify the factors influencing the probability of the occurrence of bias towards over or undervaluation.

The results of the study revealed that, on average, homeowners overvalued their properties by only 1.94%, and the fraction of interviewees estimating their properties accurately ranges from 20% to 68%, depending on the size of the margin of error adopted. The drivers of the valuation bias variation were the physical, locational and neighbourhood attributes of the property as well as the personal characteristics of the respondents, for which their age and employment situation played a key role.

In contrast to previous studies, this is the first to examine drivers behind the accuracy of self-reported home valuations in a Central and Eastern Europe country. In addition, this work is the first to consider heterogeneous housing preferences when calculating objective property values.

Frequently the universities' Placement Service is based on the student's hard profile at the expense of soft traits. On the other side, the “person–organization fit” axiom suggests firms are looking for profiles with specific soft skills to face the increasing level of environmental turbulence. This research aims to understand if high-resilience students also have high academic achievements and how the three components of resilience (emotional intelligence, positive thinking, planfulness) can have different impact on individual performances.

The research was conducted on students enrolled on different courses of studies and years in an Economics and Law faculty. A questionnaire was administered during the first exam session (ante-Covid) and the second and third exam sessions (post-Covid). This questionnaire consists of 84 questions related to planfulness, emotional intelligence and positive thinking, whose combination can be considered a measure of resilience. In fact, the Principal Component Analysis (PCA) was carried to identify these three new variables (the components) based on the 84 initial ones. Finally, an ordered logit model was implemented to verify whether, and in what direction, planfulness, emotional intelligence, positive thinking and Covid 19 (the independent variables) affected the students' performance (the dependent one).

While planfulness positively affected academic performance, emotional intelligence affected it negatively. The impact of positive thinking and Covid was not significant, and thus what emerged from the preliminary analysis of the grades is not confirmed.

This is a case study of a university experience that is paying great care in preparing students to satisfy the firms' work demands. To confirm and refine results the sample will be expanded to other faculties and other life/soft skills will be investigated.

This soft trait approach—that studies how various measures of soft skills are related to course grades—has a two-fold significance by crafting universities' placement activities and facilitating firms' onboarding.

This is a case study of a university experience; a university that is paying great attention to preparing students ready to satisfy the firms' work demands but also citizens capable of supporting the growth of their nation and society in general.

The research can be considered a first step towards the inclusion of the formal evaluation of the students' life skills in their academic path, creating a link with their achievements.

This paper examines the moderating effect of environmental capability development on the relationship between supply chain integration and both environmental and financial performance.

The authors use empirical data collected from three diverse sources in the horticultural marketing sector. A total of 97 responses were used. An ordered logit analysis and ordinary least squares (OLS) regression were employed to test the hypotheses.

The results confirm that firm environmental capability development enhances the effects of supply chain integration on firm environmental performance. Additionally, supplier integration and environmental capabilities may be considered firm strategic capabilities that are positively related to financial performance. Thus, public policies should encourage the development of firms' individual environmental capabilities and supply chain integration to improve environmental sustainability.

This study recognizes the importance of environmental capability development as a strategic objective and its fundamental role as a complementary capability with supply chain integration. This paper contributes by empirically analyzing how firms along the supply chain can promote environmental sustainability through the development of environmental and integration capabilities.