/library/oar/handle/123456789/75354 2025-12-23T23:30:56Z 2025-12-23T23:30:56Z /library/oar/handle/123456789/87257 2022-01-19T11:32:06Z 2021-01-01T00:00:00Z

Title: Journal of Corporate Governance, Insurance and Risk Management : volume 8 : issue 2 Editors: Todorović, Igor; Cindrić, Lana; Tipurić, Darko; Özen, Ercan; Grima, Simon Abstract: Table of contents:; 1/ Ivana Plazibat, Lorena Gašperov, & Duje Petričević - Nudging technique in retail : increasing consumer consumption; 2/ Peterson K. Ozili, & Ahmed Adamu - Does financial inclusion reduce non-performing loans and loan loss provisions?; 3/ Fisnik Morina, & Argjent Berisha - The effect of public debt on private consumption : the case of countries in transition; 4/ Clinton Cassar - Examining spillover of sustainable behaviour : an intervention study from the perspective of Maltese public officers; 5/ Mohammad Qais Rezvani, Nirmala Chaudhary, Ragif Huseynov, Anjali Sharma, Raiba Jafarova, & Chimnaz Huseynova - Impact of organisational commitment on employee productivity during Covid-19 : evidence from Afghanistan and India; 6/ Amreen Khatun, & Tanuja Rani - Experimental study on effects of concrete properties by partially replacement of industrial waste : a green concrete; 7/ Emre Kaplanoğlu, & Fatma Moroğlu - Analyzing the impact of COVID-19 on the financial failure risk in Borsa İstanbul manufacturing companies; 8/ Violeta Cvetkoska, Igor Ivanovski, & Marija Tasheva - Literature survey on DEA in the insurance industry with a focus on identification of research hotspots with text mining; 9/ Ana Maria Alexie - The impact of corporate governance on the performance of large listed American companies; 10/ Rezan Öztürk, & Veysel Kula - A general profile of artificial intelligence adoption in banking sector : a survey of banks in Afyonkarahisar province of Turkey; 11/ Letife ÖZDEMİR - Causality Relationship between Spot and Futures Bitcoin Prices in CME; 12/ Salih ACIKALIN, & Hasan Huseyin YILDIRIM - Comparison of Banks with Cluster Analysis Before and After Covid-19 Pandemic; 13/ Ionuț Riza, Ionеla Stanеci (Drincеanu), & Costinеl Cristian Militaru - Elеmеnts of organizational culturе that facilitatе thе conduct of efficiеnt activitiеs within modеrn organizations

2021-01-01T00:00:00Z Plazibat, Ivana Gašperov, Lorena Petričević, Duje /library/oar/handle/123456789/87256 2022-01-19T11:31:47Z 2021-01-01T00:00:00Z

Title: Nudging technique in retail : increasing consumer consumption Authors: Plazibat, Ivana; Gašperov, Lorena; Petričević, Duje Abstract: Changes in consumer behaviour, coupled with shifting purchasing habits, have led to a new setting, one in which the retailers are seeking novel means of keeping potential consumers inside their stores for the maximum duration possible. This prolonged time span contributes to the increased frequency of impulsive actions, thus resulting in greater customer spending. Impulsive buyers are the most crucial target audience for retailers, for they are purely driven by emotion, making decisions without prior preparation or information gathering. Through the grasp of psychological science, behavioural and cognitive functioning, it is possible to discern the factors that make specific retailers and their stores more appealing than others. The main purpose of this paper is to point out a relatively new concept and a technique, called “nudging”, and to showcase the methods of gaining new customers through its utilisation within the Croatian retail market. The nudging technique is not a forceful one, opting to employ imperceptible and subtle means, such as playing certain music, utilising carefully selected scents, colours and lighting within the store, which all serve to improve consumer perception and satisfaction. The retailer can stand out from the competition, precisely by using nudging, which intertwines sensory perception and other psychological factors, incorporating them in the overall store design. For this particular purpose, a survey was conducted among Croatian customers, which examined the presence of specific nudging techniques in retail, as well as their effects on the consumer behaviour. The research results concluded that the Croatian retailers do indeed utilise some nudging techniques which, although perceived by their customers are ultimately left unaware of the impact they have on their respective decision-making process and behaviour.

2021-01-01T00:00:00Z Ozili, Peterson K. Adamu, Ahmed /library/oar/handle/123456789/87255 2022-01-19T11:31:30Z 2021-01-01T00:00:00Z

Title: Does financial inclusion reduce non-performing loans and loan loss provisions? Authors: Ozili, Peterson K.; Adamu, Ahmed Abstract: We examine whether countries that have high levels of financial inclusion have fewer non-performing loans and loan loss provisions in their banking sectors. The fixed effect panel regression methodology was used to analyse the effect of financial inclusion on bank non-performing loans and loan loss provisions. Using data from 48 countries, we find that greater formal account ownership is associated with high non-performing loans. Bank loan loss provisions are fewer in countries that have high levels of financial inclusion only when financial inclusion is achieved through the combined use of formal account ownership, bank branch supply and ATM supply. Also, non-performing loans are fewer in countries that experience economic boom and high levels of financial inclusion.

2021-01-01T00:00:00Z Morina, Fisnik Berisha, Argjent /library/oar/handle/123456789/87122 2022-01-18T08:03:50Z 2021-01-01T00:00:00Z

Title: The effect of public debt on private consumption : the case of countries in transition Authors: Morina, Fisnik; Berisha, Argjent Abstract: Developed countries have well-designed and developed economies in macroeconomic terms. However, not all countries benefit from the fruits of such an economy. Therefore, some countries are still faced with an economy that requires macroeconomic restructuring and development. People in these countries face high unemployment, evolving fiscal and monetary policies. The state is forced to borrow either internally or externally, where the latter is usually preferred. This paper aims to show the effects of government debt on private consumption with a particular focus on transition countries. Thereby explaining the factors that influence private consumption and the types of debt that governments take into account. The countries in regions, which are facing this problem, will be analysed in more detail. Kosovo is one such country, which will be analysed in detail, particularly the relationship between national debt and private consumption. This study is carried out using the statistical software STATA, whereby private consumption is a dependent variable, whilst national debt, gross fixed capital formation, foreign direct investment, consumer price index, export of goods and services and GDP growth are our independent variables. This paper is a compilation of information from multiple sources to describe the reality that transition countries are faced with when borrowing.

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