scholarly journals The Over-Searching Accidents Causative Factors in Ghana: The Role of Policyholders Education Levels

2020 ◽  
Vol 6 (1) ◽  
pp. p28
Author(s):  
Azaare Jacob ◽  
Zhao Wu ◽  
Bright Nana Kwame Ahia ◽  
Edward Amankwah
Keyword(s):  
Traffic Control ◽  
Structural Equation ◽  
Road Traffic ◽  
Equation Modeling ◽  
Auto Insurance ◽  
Accident Frequency ◽  
Education Levels ◽  
Medium Level ◽  
Education In Ghana ◽  
Claims Frequency

Available statistics indicates that about 90% of all claims or accident in Ghana is caused by human behavior. Therefore, policyholders’ errors are categorized depending on the severity and extend of casualties caused as a result of misinterpretation of road traffic control devices based on their education levels. Hence, in order to ascertain all the possible causes within the human element to reduce the increasing trend of yearly claims, this study report on the influence of education levels on accident/claims frequency and severity drawing upon a purposive sample of 203 policyholders who have experienced at least one accident in a year using structural equation modeling (SEM). The findings from our regression weights gave enough evidence to reject most of our hypotheses with few ones being supported. This study provides enough evidence that education generally to perspective policyholders influence accidents/claims occurrence. However, in terms of education levels of policyholders, we did not have enough evidence in support of any of these levels either causing or reducing claims/accident frequency. Besides accident/claim frequency, we extended our regression analysis on claim severity and also included some well know auto insurance rating factors to ascertain their impacts on accident frequency. Consequently, it was revealed that most of the severe claims or accidents that results into deaths and serious injuries on yearly basis are caused by policyholders or drivers with medium level of education in Ghana with its frequency driving mostly by rating factors such as the vehicle’s age, cubic capacity, mileage, etc.

End-Users’ Acceptance of Biometrics Authentication to Secure E-Commerce within the Context of Saudi Culture

2013 ◽  
pp. 1356-1376
Author(s):  
Fahad AL Harby ◽  
Rami Qahwaji ◽  
Mumtaz Kamala
Keyword(s):  
Structural Equation ◽  
Large Scale ◽  
Sem Analysis ◽  
Equation Modeling ◽  
Factors Affecting ◽  
Moderating Variables ◽  
Use Of Technology ◽  
Moderating Factors ◽  
Education Levels ◽  
Scale Experiment

This book study presents recent findings from an ongoing cross-cultural study exploring the acceptance of a new security method based on biometrics authentication systems to be applied to an e-commerce application within the context of Saudi culture. The aim of the study was to explore factors affecting users’ acceptance of biometrics authentication system. The authors conducted a large scale experiment of 306 Saudis using a login fingerprint system and examined a proposed conceptual framework based on the Unified Theory of Acceptance and Use of Technology (UTAUT) with moderating variables. The findings from Structural Equation Modeling (SEM) analysis indicate that education levels are significant moderating factors, while gender and age do not record as significant. The findings of this study propose the need to take cultural background and disposition into consideration when applying biometrics technology.

scholarly journals Student Misbehaviour and Teacher Coercion. A Comparative Study of Contextual Factors in Primary and Secondary Education Teachers

2020 ◽  
Vol 17 (24) ◽  
pp. 9429
Author(s):  
Santos Orejudo ◽  
Juan-José Navarro ◽  
Eva Vicente ◽  
María Jesús Cardoso
Keyword(s):  
Secondary Education ◽  
Structural Equation ◽  
School Level ◽  
Equation Modeling ◽  
Teacher Competence ◽  
Contextual Variables ◽  
Teacher Perspective ◽  
Primary And Secondary Education ◽  
Close Relationship ◽  
Education Levels

This study analyses the relation between student misbehaviour and teacher coercion from a teacher perspective by taking further contextual variables into account. Our participants were 480 male/female secondary education and 351 primary education teachers from the Spanish Autonomous Community of Aragón (Spain). This study forms part of the 2017 Coexistence Study in Aragón Education Centres. According to the theoretical framework and the SEM (structural equation modeling), the results revealed a close relationship between student misbehaviour and teacher coercion, although other contextual variables also appeared in the regression equation: in coexistence rules and in teacher competence. We ultimately found a certain degree of difference between the primary and secondary education levels. On the secondary school level, teacher conflicts were associated with student misbehaviour, while coexistence rules and participative and inclusive activities predicted teacher coercion. Conversely, on the primary school level, participative and inclusive activities predict a lower frequency of student misbehaviour, while teacher competence predicts a lower frequency of teacher coercion.

scholarly journals Psychological Causes of Corruption: The Role of Worries

2021 ◽  
Vol 22 (1) ◽  
pp. 11-34
Author(s):  
Anna Mironova ◽  
Alexander Tatarko
Keyword(s):  
Structural Equation ◽  
Equation Modeling ◽  
World Value Survey ◽  
Low Level ◽  
The People ◽  
Medium Level ◽  
Corruption Perception ◽  
Corrupt Behavior ◽  
High Level

This study is devoted to answering two questions: (1) Do individuals’ worries and sufferings correlate with the acceptability of corruption from their perspectives? (2) Does this correlation differ by country in terms of corruption levels? We focus on analyzing the correlation between macro and micro worries, on one hand, and individual acceptability of corrupt behavior, on the other hand. This study is based on the data from the 6th-wave World Value Survey. We identified three groups of countries based on the corruption perception index: countries with low-level corruption (Australia, The Netherlands, New Zealand, Singapore, and Sweden), countries with medium-level corruption (Belarus, China, South Korea, Malaysia, and Romania), and countries with high-level corruption (Russia, Brazil, Colombia, Peru, and Thailand). For the purposes of our analysis, we used structural equation modeling. We have found that macro and micro worries are significantly correlated with the acceptability of corruption. Our analysis shows that the more the people worry about themselves or their families, the more they accept corruption. The people who worry about society are more likely to disapprove of corruption. However, the significance of these links varies, depending on the group of countries. For the countries with low-level corruption, the correlation is significant only for the link between micro worries and the acceptability of corruption. The countries with high-level corruption show a significant correlation only for the link between macro worries and the acceptability of corruption. For countries with medium-level corruption and for Russia, the acceptability of corruption is significantly correlated with both micro and macro worries.

scholarly journals Exploring the Relationships between Possible Selves and Early Teacher Identity of Turkish Pre-service Teachers

2020 ◽  
Vol 6 (3) ◽  
pp. 94-115
Author(s):  
Cahit Erdem
Keyword(s):  
Identity Development ◽  
Teacher Identity ◽  
Structural Equation ◽  
Possible Selves ◽  
Equation Modeling ◽  
Medium Level ◽  
Negative Effect ◽  
Teacher Professional ◽  
Possible Selves Theory ◽  
Pre Service Teacher

Pre-service teacher (PST) education at higher education institutions is pivotal to early teacher identity development. Possible selves theory presents a framework for understanding teacher professional identity, which is theoretically supported but not empirically tested sufficiently. This study set out to examine PSTs’ early teacher identity in the Turkish context and the expected and feared possible selves of PSTs as predictors of early teacher identity through structural equation modeling based on empirical data from 350 freshmen and senior PSTs. The results suggest that PSTs’ expected teacher possible selves have a medium level significant and positive effect on early teacher identity, while feared teacher possible selves have a low level significant and negative effect on early teacher identity. PSTs’ early teacher identity and possible selves were found as very high, which is also examined in terms of gender, grade, and department variables. The results are discussed, and suggestions are offered for pre-service teacher education.

End-Users’ Acceptance of Biometrics Authentication to Secure E-Commerce within the Context of Saudi Culture

2012 ◽  
pp. 225-246 ◽  
Author(s):  
Fahad AL Harby ◽  
Rami Qahwaji ◽  
Mumtaz Kamala
Keyword(s):  
Structural Equation ◽  
Large Scale ◽  
Sem Analysis ◽  
Equation Modeling ◽  
Factors Affecting ◽  
Moderating Variables ◽  
Use Of Technology ◽  
Moderating Factors ◽  
Education Levels ◽  
Scale Experiment

This book study presents recent findings from an ongoing cross-cultural study exploring the acceptance of a new security method based on biometrics authentication systems to be applied to an e-commerce application within the context of Saudi culture. The aim of the study was to explore factors affecting users’ acceptance of biometrics authentication system. The authors conducted a large scale experiment of 306 Saudis using a login fingerprint system and examined a proposed conceptual framework based on the Unified Theory of Acceptance and Use of Technology (UTAUT) with moderating variables. The findings from Structural Equation Modeling (SEM) analysis indicate that education levels are significant moderating factors, while gender and age do not record as significant. The findings of this study propose the need to take cultural background and disposition into consideration when applying biometrics technology.

Consumer Values and Green Products Consumption in Malaysia

2016 ◽  
pp. 383-408 ◽  
Author(s):  
Brahim Chekima
Keyword(s):  
Cultural Values ◽  
Purchase Intention ◽  
Structural Equation ◽  
Equation Modeling ◽  
Green Products ◽  
Moderation Effect ◽  
Gender And Education ◽  
Inadequate Information ◽  
Education Levels ◽  
Consumer Values

To impede environmental deterioration and promote a more sustainable economy, one solution is to shift consumption from conventional to green products. However, inadequate information on how to promote consumers' green behavioral intention is slowing the growth of green markets and has become a barrier for when developing segments and communicating strategies for effective promotion of green products, in countries like Malaysia where the trend is new. This study attempts to examine consumers' green purchase intention motivational drivers and determine the moderating effect of education levels, gender and income. Structural Equation Modeling (SEM) technique was used to evaluate the causal model. The results suggest that cultural values and environmental advertising are the main influence in building green purchase intention while environmental knowledge is not significantly related. It also indicates that gender and education level have a significant positive moderation effect while income is not. The discussions and implications of these findings are further elaborated.

Consumer Values and Green Products Consumption in Malaysia

2019 ◽  
pp. 206-231
Author(s):  
Brahim Chekima
Keyword(s):  
Cultural Values ◽  
Purchase Intention ◽  
Structural Equation ◽  
Equation Modeling ◽  
Green Products ◽  
Moderation Effect ◽  
Gender And Education ◽  
Inadequate Information ◽  
Education Levels ◽  
Consumer Values

To impede environmental deterioration and promote a more sustainable economy, one solution is to shift consumption from conventional to green products. However, inadequate information on how to promote consumers' green behavioral intention is slowing the growth of green markets and has become a barrier for when developing segments and communicating strategies for effective promotion of green products, in countries like Malaysia where the trend is new. This study attempts to examine consumers' green purchase intention motivational drivers and determine the moderating effect of education levels, gender and income. Structural Equation Modeling (SEM) technique was used to evaluate the causal model. The results suggest that cultural values and environmental advertising are the main influence in building green purchase intention while environmental knowledge is not significantly related. It also indicates that gender and education level have a significant positive moderation effect while income is not. The discussions and implications of these findings are further elaborated.

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