text:
http://www.iiste.org/Journals/index.php/IKM/issue/feed Information and Knowledge Management 2017-02-02T13:22:16+00:00 Alexander Decker email@example.com Open Journal Systems
 Information and Knowledge Management is a peer reviewed journal published by IISTE. The journal publishes original papers at the forefront of information manage, retrieval, knowledge generation, sharing and management issues. The journal is published in both printed and online versions. The online version is free access and download.

IISTE is member of CrossRef.

 http://www.iiste.org/Journals/index.php/IKM/article/view/34944 Journal coverpage 2017-02-02T13:22:16+00:00 Journal Editor firstname.lastname@example.com Journal coverpage http://www.iiste.org/Journals/index.php/IKM/article/view/34945 A Customer-Complaint Analyzer for E-Banking Services: The Context of the Ghanaian Banking Industry 2017-02-02T13:22:16+00:00 Gabriel Nyame firstname.lastname@example.com
Banking and financial institutions continue to intensify their efforts to engage in technological innovations in the provision of quality e-banking products and services. With this strategic approach, many banks in Ghana have migrated from the traditional and rudimentary branch banking to web-based banking transactions. This paper develops a model for a web-based customer-complaint analyzer that addresses customer complaints or suggestions in real time as well as supporting decision making processes of banks and other financial institutions. The exploratory prototype model, context diagram and UML use-case diagram were used to simplify and explain the design and development phases of the system. Both alpha and beta tests were done at the Ghana Commercial Bank and the United Bank for Africa (UBA) Ghana Limited of the KNUST Branch in Kumasi, Ghana. It is very expedient on the part of banks in Ghana to use complaint analyzer system to enable them do analyses on customers' complaints or suggestions as well as on performance for improved and better service delivery.

Keywords: e-banking, analytical performance, customer complaints analyzer, banking industry, customer service delivery
 http://www.iiste.org/Journals/index.php/IKM/article/view/34946 Import of Information Sources in the Industrial Purchase Decision in Maiduguri, Borno State Nigeria 2017-02-02T13:22:16+00:00 Bintu Mustapha firstname.lastname@example.com
The basic objective of any industrial activity is to develop, manufacture and market products that can meet identified customer/consumer needs and wants at a profit. In order to accomplish this objective "men machines and management" must be carefully acquired and coordinated. A field survey was employed through semi-structured in-depth interviews to secure the basic data on the general purchasing procedure. Some specific purchase case studies were employed to examine the functions of information in the adoption and use of a product. Both qualitative and quantitative analyses were utilised for the discussion of results. The study focuses on the information sources of industrial buyers in the purchase of three different categories of items from ten different organisations purposively selected in Maiduguri, Nigeria. The findings indicate that the problem of shortages and disrupted supply of raw materials equipment among Nigerian industries can be attributed to lack of active search and qualification of sources of supplies in the purchasing procedure. The buyers' search efforts are inadequate and they rely much on suppliers' salesmen for almost all their information. The suppliers' personal calls are considered the most important source of information of organisational buyers. The sort of information required by these buyers mostly cantered on price, quality and reputation of supplier, non-task factors largely influence buyers' decisions as they lack more formalised procedure for search and analysis. It was recommended that information for buying industrial products are needed at all stages of the decision processes and therefore information should be directed at the right people, right time, through personal selling effort than those selling consumer items. The industrial salesmen must contact potential buyers earlier and must play greater role in generating interest and re-enforce contacts and approaches at the final stage of evaluation and trial of the adoption process.

Keywords: Information Sources, Adoption Process, Industrial Purchasing, Decision Making
 http://www.iiste.org/Journals/index.php/IKM/article/view/34947 Evaluating Students' Attitude Toward the Use of E-Learning: A Comparative Study Between a Private and Public Universities in Jordan 2017-02-02T13:22:16+00:00 Mohammad Musa Al-Momani firstname.lastname@example.com
Based on the huge development in the field of telecommunications and information technology and the effectiveness of this development in many different fields especially in education, this research aims to make a comparative study between private and public universities in Jordan by investigating the factors that affect the student's attitude towards the use of E-learning system. The study sample consisted of (489) students selected randomly cluster from University of Jordan (JU) and Zarqa University (ZU). The technology acceptance model (TAM) is used in the analysis as a conceptual research framework of E-learning adoption. According to that, a questionnaire distributed to281 students in more than 15faculties at University of Jordan as a public university. The same questionnaire distributed to 208 students in more than 15 faculties at Zarqa University as a private university for the academic year 2015-2016. The results showed that the percentage of students who indicated positive attitude towards the use of the E-learning system in both universities is high.

Keywords: E-learning, Distance learning, Zarqa University, University of Jordan, TAM, Perceived usefulness, Ease of use, Student attitude, Private University, Public University, Comparative study, Jordanian students
 http://www.iiste.org/Journals/index.php/IKM/article/view/34948 Communication Skills and Its Relationship with Quality of Life Among School Counselors 2017-02-02T13:22:16+00:00 Saeed Al Shahrani firstname.lastname@example.com
The research aims to identify the relationship between communication skills and quality of life, and the ability to predict the quality of life depending on the communication skills that the counselors have. The sample consists of (118) counselors in schools of public Education In Jeddah governorate, the researcher used the scale of the quality of life for adults prepared by Hicham Abdullah (2010AD), and the scale of communication skills of adults prepared by Abdel Rahim Mohsen (1993AD). The results have shown that there is a function relation at level of (0.01) between the communication skills and the quality of life, communication skills have predicted the quality of life for counselors, and explained about 36.3% of the quality of their life, the results also showed an existence of statistically significant differences among the counselors depending on their academic qualification. The research presented a set of recommendations: The need for qualifying the counselors through the communication skills raising courses, which contributes in promoting and developing new techniques that enable them to achieve a high level of the quality of life, and adding the quality of life concept to some of the university course in order to help the students to understand the quality of life standards before getting into the realm of work, and The Provision of specialized programs that develop the non-verbal communication skills for the counselors, and making more researches on the effectiveness of training programs in developing the communication skills especially the non-verbal communication skills for the counselors.

Keywords: communication skills, quality of life, counselors.
 http://www.iiste.org/Journals/index.php/IKM/article/view/34949 The Role of Social Capital In Improving Performance Bank Perkreditan (BPR) Sungai Rumbai – West Sumatera Indonesia 2017-02-02T13:22:16+00:00 Dahnil Johar email@example.com
Economic activity in the countryside in general is dominated by small-scale farms with the main actors of farmers, farm workers, traders and agricultural inputs, agro-processing, and home industries. The businesses are generally still faced with the problem of limited availability of capital, capital constraints may limit the space for agricultural activities in the rural sector (Hamid, 1986).

Although the government has implemented a variety of loan programs, but the performance results are deemed still not in line with expectations. This is reflected in the performance of financial institutions has not been satisfactory.

According Martowijoyo (2005) the weak performance of financial institutions as financial intermidiasi institutions can be viewed from three aspects: (1) low levels of loan repayment; (2) low morality of the implementing agency, and (3) low level of mobilization of public funds. The disadvantage of these has consequences for not continuing financial institutions set up after the program is completed.

To answer the problem of limited capital and banking institutions are difficult to access for small farmers, it is necessary to further optimize the potential of financial institutions which can be an alternative source of funding for farmers and rural communities. One of the financial institutions that can be exploited and encouraged to finance micro segment is rural banks (BPR). One of the BPR that are in the river Rumbai Dhramsraya District of West Sumatra Province.

The existence of Rivers Tassel rural BPR could play a role serving the needs of small farms, is the result of the institution-based social capital. Fukuyama (2002) argues that social capital, focused on the importance of the relationship (relationship), honor one another (mutually respectful) and the relationship of trust (trusting relationship) between citizens. Furthermore, Putnam (1993), has also shown evidence that economic growth is positively correlated with the presence of social capital.

Other institutions have been successful in utilizing local institutional as financial intermediaries with rural communities is a non-bank credit institutions such as LPD and Lumbung Bali Pitih Nagari (LPN) in West Sumatra.


text:
Fill the Backpack wraps up, racks up nearly 150,000 pounds of food donations
Officials with Wegmans say the total topped last year's program by over 20,000 pounds of food.
Officials with Wegmans say the total topped last year's program by over 20,000 pounds of food.
Leroy Bailey started his journey two years ago, and has gone through 9 pairs of shoes since then to raise awareness for homeless veterans.
Buffalo gives up a third round pick to Nashville, has until August 15th to sign Vesey.
That contract also spells out required response times for three categories of calls.
Armed with a semi-automatic weapon, Mateen went on a bloody rampage at the Pulse nightclub June 12.
Officers rushed to the busy road on Monday just before 2 p.m., where they say they located the 29-year-old motorcyclist with arm, hip and le…
Gosy's attorney, Joel Daniels, says he is happy with the decision to allow Gosy to return.
The Orleans County Major Felony Task Force worked with Albion Police and the Sheriff's Offices of both Orleans and Genesee Counties to place…
Chief John Mina said at a Monday news conference that the timeline clearly shows officers' arrival. He says officers' initial entry caused g…
After an alleged incident on Williams Ave. in the village, Wellsville Police charged Justin Korb, 35, with criminal mischief and felony burg…
The Supreme Court has rejected challenges to assault weapons bans in Connecticut and New York, in the aftermath of the shooting attack on a …
The move comes as Trump faces continued deep resistance from many quarters of his party concerned by his contentious statements.
Alicia Keys is one of the most recent artists to ban cell phones at her shows.
Koseck was charged with DWI and taken to ECMC for medical evaluation.
Jackson was previously convicted of DWI in 2011, leading to the revocation of her driving privileges.
Authorities say the FBI has arrested four people, including three high-ranking New York Police Department officers, in connection with New Y…
Efrain Mariera, 36, was driving on Route 430 in the town of Ellery Sunday night when his vehicle flipped over.

subset: commoncrawl


text: Not okay... Click to block a category:GamingPoliticsNewsComicsAnimeOther ibaiapellaniz next random Comment Top NextComment next Tags: King of the Hill | soldier | dead | bright | side | Kills fun had mar: kill: as that mum-. 1 than your previous hast. ... +288 Views: 13894 Submitted: 03/30/2013 Facebook Twitter Google+ Tumblr Pinterest


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Oklahoma RedHawks ace Mike Wood turned in yet another outstanding effort on Sunday night, as he held the Round Rock Express to just one run on four hits in eight innings of work. He walked only one batter while recording six strikeouts.
Wood struggled in the game's first two innings, surrendering three of his four hits allowed, including back-to-back triples from Josh Anderson and Mark Saccomanno.
"I think in the first couple of innings, I really wasn't too warm," said Wood. "I took my warm-ups a little bit lighter because it was hot out."
The righty quickly settled down, retiring the side in order for the next six innings. The one hit Wood allowed – an infield single off his leg – was quickly erased on a double play.
"When I realized what I was doing after two innings, I just started letting it go," he said. "When I let it go, the ball started moving more and I started getting more aggressive with it."
Though the Pacific Coast League is notoriously hitter friendly, Wood appears to be having little problem mastering it. The former Kansas City Royal currently leads the Pacific Coast League with a 2.95 ERA, which is over a half run better than Tacoma's Jorge Campillo (3.48), who ranks second. The 27-year-old is also striking out nearly 7.2 batters per nine innings, the highest mark of his career since pitching with High-A Modesto in 2002.
The Florida native, who throws a fastball, a curveball, a slider, a changeup, and a splitter, credits the development of his five-pitch repertoire for his success this year.
"I've gotten a lot better," said Wood of his success this season. "Over the past couple of years I've been working on some things and they've all come together this year. The curveball has really helped me; I haven't had that in the past. The cut slider, even though it was kind of hanging tonight, I haven't had that in the past. Those have really brought my other pitches to where I don't need to use them too often."
In addition to his five-pitch arsenal, Wood has also been known to add and subtract velocity from his fastball. While it happens, Wood says it isn't intentional.
"It comes naturally," said Wood. "I don't really try to throw it softer or harder. Sometimes I try to throw it real hard, but other times it just comes naturally."
Wood, who admits it can be frustrating to pitch so well in Triple-A and not get a call to the majors, was asked what he thought he had to do to get back to the show.
"That's what I'm trying to figure out myself," he said.
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Wood credits new pitches for success
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Today, for the first time, I made a guy get a boner and make out with me. This would've been great if it hadn't been a dream, and if the guy in question hadn't been my brother. FML
By Anonymous - / Saturday 2 April 2016 15:48 / United States - Nashville
Top comments
The family that plays together stays together!
that's terrible #1 CX
I didn't read the dream part at first and that made this FML twenty times worse.
I don't know why you people think he/she's wrong. It's just like saying, "I need a cure."
52 because he IS wrong. Your comparison is off, a better one would be asking for "a water" as opposed to "a glass of water."
Thank you #91, that's exactly what I meant. I honestly don't understand some of these people. Always quick to pick an argument over little things. People should stop looking at things just their way and putting down others.
Too many negative votes, comment buried. Show the comment
oh man, and I was thinking family orgy :(
How do you win a game of monopoly?
Monopoly has no winners. It never ends happily.
54 & 56, I really won monopoly once - actually, I completed dominated monopoly. I was playing with my mom and sister and, because I had hotels on Illinois and the like, by the end of the game, I completely bankrupt my mom and sister and owned most of the properties on the board. #noregrets
By team_garra
Too many negative votes, comment buried. Show the comment
Explains a lot, you're from Tennessee. Well that ma'am is called incest, and you should not tell anybody about those dreams beside your therapist. I would love to help you find a number that you can call.
I'm no psychic but I predict a lot of downvotes coming your way
Dreams have deeper, underlying meanings. This dream doesn't mean that OP has romantic feelings for her brother - it's likely it means something else completely and not have anything to do with romantic feelings. For example, I dreamed my dad my died. The second I woke up, I was freaked out and worried but I knew that dream meanings aren't straightforward like and, so, I looked up the meaning in one of my two dream meanings books (I've had freaky dreams that really freaked me out before so I figured it was handy to have) and it told me that my dream meant my relationship with my dad was changing/had changed. And it was right -our relationship had changed; it was during a time when I was really mad at my dad and I wouldn't talk to him or see him or have anything to do with him. OP, I would definitely invest a dream meaning book or, at least, look it up online; it can really shed some light and make you feel better/at ease. Or, at least, it makes me feel better - I hope, should you look into it, it makes you feel better, too.
Having lived in Tennessee for the last seven years of my life, #6 is not too far off the mark. At least, it was pretty much that way where I graduated high school from. No joke, the prom king and queen my senor year were a couple who were 1st cousins, and yes, they were dating. It wasn't hard for me to graduate with honors in that school. All I had to do was show up.
Also, it's "depraved." Yes, I know I'm being THAT person. *sprinkles knowledge confetti*
I up voted because knowledge confetti. Seriously you rock. But, and I mean this in the nicest way possible, I think they actually meant deprived. As in, she's so hard up - deprived of sex - that she's desperate enough to dream about her brother.
notice "today for the first time" ? I'm going to say she is a virgin.
Calm down, it was only a dream, doesn't mean anything.
Well said!
That's true. Pretty much everyone's subconscious is fucked up. lol. Sucks the OP will probably remember their dream every time they see their brother though.
so true, 58. I had a dream once my dad murdered (I didn't see it - I just knew in my dream) and the murderer was waiting for my sister and I at our house so I made us run before we even entered the house and I was worried my mom was going to come home from work, not realize he was there, and get murdered, too.
I know during puberty I had the weirdest goddamn dreams. Barbie orgies, some duck that wanted drugs, and the weirdest sexual dreams ever.
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Punjab sports board has started Punjab youth festival will start from 23 December 2014. Different local games will be played between different local school level and college level teams. Punjab youth festival is another platform to prepare young talented athletes. Punjab youth festival registration form is available at respective DCO offices or sports office either you can also download it from official Punjab sports website. Fill Punjab youth application form complete and submit it to related place and one is eligible to participate in the games.
Punjab Youth Festival 2014 Records Registration form and Schedule
Click Here for Registration Form Download
Last Date for Registration: 21 December 2013
Events Starting Dates: 23 December 2013
Ending Dates of Events: 1 January 2014
One just needs registration form that are available at DCO offices or sports office or one can also download it from official website. Fill it complete and submit it to related place and one is eligible to participate in the games.
Last date for registration may be extend by seeing the trend of applying person. As explain above as Punjab government tries to make maximum participation and for this they take any step. Punjab government also gives full proof security to participants. Every type of facility is also gives to players so hopefully all things are happen in fully arranged way. Moving towards other aspect then this year youngster's trend is also marvelous. They all sees too much excited and wait for the time when game will on. So must participate in these events and courage the eligible players.
Punjab Youth Festival 2013 -2014 Registration form and Schedule


text:
I actively avoid religion - so I could be classed as an active atheist?
In all seriousness though, I am not religious in any way, shape or form, but have known plenty of people who are actively a part of a religious community.
I actively avoid religion - so I could be classed as an active atheist?
In all seriousness though, I am not religious in any way, shape or form, but have known plenty of people who are actively a part of a religious community.
No. I was booted out of religious studies in year 4 after continuously asking questions the preacher couldn't answer. They asked me not to return, lol.
I'm very skeptical of religion. If that's what gets you through then each to their own but I certainly believe in science over religion.
I also do not believe that 9/11 was a religious attack, for many many many reasons that I will not go in to otherwise I'll turn this into a debate.
Having said that - I will not force my views on my own son, if he's interested in attending then I shall let him and advise him to make up his own mind in what he believes, though I will have to protest if he asks me to take him to church -my mother took us to church and left because she was continuously hounded week after week to 'donate'. If that's what he wants to do then I will find a family friend who is happy to take him and answer any of his questions but it's not something I can personally participate in
I'm a Catholic however I don't go to church regularly. I pray very often though and that's enough for me. I'm really open to other religions and at school (Catholic) religious studies was about religion as a whole, not just Catholicism. I find other religions intriguing. Dh was brought up as a Buddhist which I think is lovely and I think partly why he's so calm!
Eta: Just realized that I go more often to spiritualist church (where you get psychic readings done amongst other things) than catholic!
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I go to church, prayer meetings.
I worship and praise Jesus everyday.
I pray everyday.
NOT because I have to.....because I don't, I have FREE WILL!!
I believe Jesus is the one true son of God and that he died on the cross for all my sins once and for all. I no longer have sin. I am free.
I don't call myself religious at all, as religion is something that you 'practise' per say and Jesus is real to me, he talks to me in many ways and he is my best friend, lover, husband, father, mother, sister. He is everything. My saviour.
The best thing about it for me is knowing that I AM loved unconditionally with no bounds, no jugement and that he has saved me from sin and I will be with him for all eternity. Also he makes life so easy, so free and so happy, i'm never alone.
This is for everyone if they only asked of him, he would show himself to you.
LoveyDovey (05-11-2011),MissPoss (21-11-2011),Reina83 (21-11-2011),share a book (04-11-2011)
Yes but I never push it onto other people. I will pray for people if they as k but only if they sp ecifically as k it of me.
Reina83 (21-11-2011)
My family is Catholic and we try and attend church every Sunday. Our children attend a Catholic school and will do so for the rest of their school life. We like how we now have two families, our own family and our church/school family. I like knowing that if there is something hat my children feel like that they can not talk to us about the have there other family to talk too.
Yes I do, As a family (minus dd1 as she has made the decision that she doesn't want to believe so she doesn't go) we go to church every week, hubby is on the board on the church.
Hubby has the qualifications to be a pastor but isn't working as one at the moment.
Nope. Not religious at all. DH had a VERY full on religious up bringing and now hates it.
We both believe in science, evolution, big bang ect.
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Home > Shapewear > Body Shaper > Women Lace Body Shaper Slimming Shapewear WholesalePREVNEXT
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Size Chart:


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Today's Featured Artist: Michael Godard
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Dolly In Dali-land by James W Johnson - 8.000" x 5.750"
Archival Matte Paper
Rolled in a Tube
Assembly Charge
Dolly In Dali-land print by James W Johnson. Our prints are produced on acid-free papers using archival inks to guarantee that they last a lifetime without fading or loss of color. All prints include a 1" white border around the image to allow for future framing and matting, if desired.
Ships Within
2 - 3 business days
Ships From
Atlanta, GA
Wonderful! Great piece. And Congrats on your sale!
Very Cool!!
Fasinating and well done! f,l
Wow that face just glows - really enjoying looking at this - nice work
So much happening! Wow! Congrats on your sale!
Excellent artwork.Congrats on your sale.
Congratulations on your well deserved sale and have a beautiful day!!
Amazing work I love it so much♥!!! sharing
Brilliant Art!
Too cool! Love this one James. Great imagination..well executed..J
Congratulations on the sale.....................Odon.
Nice gathering of objects, James, and portrait of Dali. Peace, etc., Bruce Combs
A great composition based on Dali's concepts. Love it. Congrats on the sale.
I love your art. It seems to me that I am catching part of my own ideas from the same sector of universal conciousness.... Thank you. Glad that found your page.
Dali would love this as much as I do, I'm sure. excellent work.
Absolutely remarkable...well done ;)
Incredible. Congratulations.
Very cool!!! :-)))
All prints ship in durable cardboard tubes.
Fine Art America is one of the largest, most-respected giclee printing companies in the world with over 40 years of experience producing museum-quality prints. All of our prints are produced on state-of-the-art, professional-grade Epson printers.
We use acid-free papers and canvases with archival inks to guarantee that your prints last a lifetime without fading or loss of color. Paper prints include a 1" white border around the image to allow for future framing and matting. Canvas prints include a 2.5" white border to allow for future stretching on stretcher bars.
Prints ship within 3 - 4 business days in durable cardboard tubes.
An homage to the surreallist master.
James W Johnson was born and raised in Upstate NY and moved to Lubbock, Texas in 1978. He received an MFA from Texas Tech University in 1981 and has continued to live in Lubbock as a studio artist. While being primarily a painter, James has produced a complex body of work in a wide variety of mediums such painting, video, drawing, sculpture, etching, digital, mixed media and furniture. James W Johnson has participated in over 175 exhibitions worldwide. Living �outside� of the mainstream art world has allowed James to perfect his craft and independently pursue an impressive flow of ideas and images that defy categorization and present his observations about art and life from a unique perspective. More of James' art can be seen at...
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If you're not happy with a purchase that you made on FineArtAmerica.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Fine Art America does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Fine Art America sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Fine Art America to fulfill their orders, and we look forward to helping you select your next piece!
Customer Service: 877-807-5901
(Call Any Time - 24 Hours Per Day)
All prints ship from our production facility within 2 - 3 business days of your order.


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True love is one of those treasures we cherish the most. We celebrate it by getting married to the person who makes our heart race. Abbie is getting married to her true love! In the last minute, trouble arises! She doesn't know which dress to wear! Save her perfect day putting together the perfect dress.Love will prevail!
Use the mouse to click the arrows, or the arrow keys on the keyboard.
Game Stats2,832 views
Game Tags
clothing, dress, dress up, Fashion, gown, outdoors, shoes, up, wedding