This paper examined financial literacy among a sample of individuals residing in the United Arab Emirates (UAE) and its relation to different forms of personal debt. These forms of personal debt include bank loans, borrowing from friends and/or family members, and borrowing through credit cards. We used a questionnaire distributed to a convenient sample of 412 individuals working for service organizations and residing across the UAE. Usable responses were about 45% of the sample and were subjected to descriptive statistics, reliability analysis, and t-tests. The results indicate that the average level of financial literacy in UAE (0.433) is statistically significantly below the average level reported in the literature (about 0.50). However, there were no significant differences between the mean score of males and females. The results also indicate that individuals with strong financial attitude tend to borrow less from credit cards. UAE nationals are more likely to borrow from banks than using credit cards or borrowing from friends/or family members.
A field experiment was conducted to evaluate yield, milling, technological and rheological characteristics of four Egyptian bread wheat cultivars (Gemmeiza 7, Gemmeiza 9, Sakha 93 and Giza 168). Results showed that Gemmeiza 9 had the highest number of spikes per m 2 , number of grains per spike and grain yield. Gemmeiza 7 had the highest fine and coarse bran, protein, wet and dry gluten percentages as well as the best farinograph and extensograph properties (dough development time, dough stability time and dough resistance to extension). Sakha 93 had higher flour and carbohydrate percentages than the other cultivars. Consequences for breeding are discussed.
PurposeThe purpose of this paper is to explore the impact of job satisfaction on employee attendance and conduct.Design/methodology/approachThe approach was to use data from a study on job satisfaction and performance conducted in a utility company operating in the United Arab Emirates. Job satisfaction was measured using the 20‐item MSQ (Minnesota Satisfaction Questionnaire) short form. Performance measures were based on the utility company employee performance rating system.FindingsPreliminary analysis of the data revealed significant differences on aspects of job satisfaction and performance between the two gender groups (i.e. males vs females). In general, female respondents were less satisfied with various aspects of their jobs and the job context than their male counterparts. Similarly, they tended to be less performing than their male counterparts on a number of job performance criteria. This pattern is indicative of an underlying linkage between satisfaction and performance, particularly in relation to gender groups.Originality/valueThe paper discusses the potential cultural specificities of the results and their implications for future research and management practice with regard to job satisfaction and performance.
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