Math, Science, and Social Studies Teachers\u27 Attitudes toward Diversity and Accommodation of Diversity With Reference to Culturally and Linguistically Diverse Seventh, Eighth, and Ninth Grade Students in a Mid-South State

The purpose of this study was exploring seventh, eighth, and ninth grade teachers\u27 attitudes and beliefs in response to classroom diversity and how that is reflected on their instruction, learning styles, communication patterns, instrumental materials, and assessment patterns in math, science, and Social studies subject areas. In this mixed-method research, the designed survey consisted of 59 questions based on Likert scale and obtained information of ten demographic factors. The survey was delivered in two formats (online link and hard copy) to the participating schools in three urban school districts in a Mid-South State. The survey data were analyzed by using both frequency distribution to report descriptive statistics and percentages, and analysis of variance (ANOVA) techniques to identify possible significant differences related to the demographic factors. Face-to-face semi-structured interview and classroom observation instruments were employed to collect the data provided by teachers who completed the survey and agreed to be interviewed and observed in practice. The interview instrument consists of ten open-ended questions, while the interviews and observations were transcribed and coded for further analysis and presented under each theme in order to provide more comprehensive data and better understanding of the teachers\u27 attitudes and beliefs. The results showed the attitudes reported by the participant teachers on seven main themes namely value student\u27s culture and language, inclusion, teachers\u27 beliefs, teachers\u27 expectations, training and preparation, learning needs, and teaching methods/teacher-student communication patterns. These themes were developed and modified essentially to serve the purpose of this research that were found to be effective as suggested by literature and previous researches. The analyzed results identified the teachers\u27 positive and negative attitudes. The participants exhibited positive attitudes reflected their awareness, understanding, and appreciation of culturally and linguistically divers (CLD) students\u27 cultures, experiences, and language. They welcomed CLD students\u27 inclusion in their subject area classrooms, and held high expectations for all of their students. Simultaneously, they exhibited negative attitudes towards integrating multicultural contents, assessment patterns, utilizing students\u27 first language, applying different learning styles, using different communications patterns, and meeting the different learning needs of CLD students. Additionally, the results identified some significant differences related to the demographic factors. In conclusion, the research findings identified some possible issues behind teachers\u27 negative attitudes to serve this population of students. In addition, limitations and suggestions for future research were presented

Verifying persuasive factors boosting online services business within mobile applications

The study's objective is to investigate factors that contribute to user acceptance and the actual use of mobile apps in the online service. The UTAUT and ETAM models were used in this study, and they facilitated the development of the hypotheses. The hypotheses were that quality, satisfaction, security, performance expectation, effort expectation, facilitating conditions, and social influences impact mobile app acceptance and the actual use of online service. The study used a quantitative case study approach and data collection through surveys. The p values obtained for the seven constructs were lower than the 0.05 and 0.001 significance levels and hence supported the hypothesis developed

Reality of Strategic Planning in Islamic Banks “Case Study: JIB”

Banks play a vital role in financing and developing national economy with its various sectors, by means of their various functions, such as operating as a broker between savers and investors. Due to their significant engagement with other economic sectors as well as the large number of their clients, whether individuals or organizations, banks are special institutions. In contrast with other companies, they are distinguished for their high financial leverage, as the banks contributors obviously represent only a slight part of the total available funding resources. Late 2012, the total rights of licensed banks in Jordan – amounting to 26 – are about JD4.9 billion, making only 13.1% of the total assets of the banks, which reached approximately JD37.3 billion on that date[1]. In other words, in their capitals, they basically rely on the money of depositors rather than shareholders. Accordingly, the Central Bank of Jordan and control parties pay great attention to the safety of banks’ financial conditions and activities, since any imbalance may lead to a disorder in the entire banking sector due to the lack of audience credibility. If so happens in any country, it may a national economic crisis is likely to be seen. Islamic banks occupy a distinguished position on the map of the international banking industry. Particularly, as their holdings constitute 21% of the credit facilities of the licensed banks in the same period and 15% of clients’ deposits, these institutions are integral to the Jordanian banking sector. Therefore, they are significantly concerned with adopting Strategic Planning as a method to manage their activities. In this regard, the present research aims at shedding light on some banking SP aspects, in general, and Islamic banks, in specific. The study explores the reality of SP in the Jordan Islamic Bank, which is the pioneer in the kingdom and has several regional and international successes in this field. [1] ????? ?????? ?? ?????? ? ?????? ??????? ?????? ??????? ?? ?????? ???? ??? 2012 ? ???? ? ?????? ? ???? / 2013

The Adoption of Online Banking: a Jordanian Perspective

The purpose of this study to investigate the adoption of online banking in Jordan. Furthermore, the study was conducted to examine the factors that influence the adoption of online banking among customers.  This research is approached by using survey method to examine the relationship between independent and dependent variables. The findings and conclusion of the study will depend on the fully utilization of statistical data collected and analyzed using SPSS. This research is based on the level analytical research type. It is hoped to identify the influences of the adoption of online banking, hopefully the final report and the result of this study will be achieved successfully in helping future research. Keyword Internet Banking, customer satisfaction, ATM (Technology Acceptance Model), service quality

Factors Affecting The Jordanian Purchasing Behavior Of Housing Apartments: An Empirical Study In Irbid City

The aim of this study is to show the extent of the impact of factors that affect the purchasing behavior of housing apartments per capita in Irbid city. It discusses the most influential factors in the purchasing decision for housing issues. These factors are independent factors: structural, geographical, environmental, and economical. Data was collected via questionnaires which were distributed to a sample of 150 individuals who are owners of apartments in Irbid city (Northern Jordan). The study showed different results and the various factors (structural, geographical, environmental, economical, and demographic) which have a significant impact on the purchasing decision of housing apartments in Irbid city. It is evident that these factors in full manner and the structural factors (construction area, land area, finishing, age of the building, and the outer shape) have an effect on the decision making process of the respective apartments

Islamic Finance Role in Preventing Crises Resulting from the Financial Opening-up and Liberalization Policies

The Equity capital system is an arachnidan system, it is a fast spreading and fast collapsing system, therefore it is coming out of a crisis to fall in another. The history of this financial system reflects this fact in numbers and also in reality, as the distinguished western economy pioneers confessed that capitalism is a regular crises generating system by nature. The traces of this capitalism nature are more noticed recently according to the growing demand on the financial derivatives, forward sales and speculative fever dealings. But the truth is that the problem of these crises that occurs regularly within the system lies in its rapid transition across the world and also in the fact that any disturbance in one end of the world will rapidly transit to the other end as a lot of countries trend to follow open market, financial liberalization, share capitals’ free transition and free obstacles investment policies whether in multi parties commercial frame under the International Organization of Trade regulations or in the contest of the financial globalization through the liberalization of the long and short term capitals; therefore the infection of financial crisis is an inevitability. In light of the growing global interest in solving this crisis especially at the level of the international financial and monetary institutions; Islamic alternative emerged dramatically in light of the immune that was featured on many of Islamic financial and banking institutions at a time when the world has witnessed the collapse of many giant global financial and banking institutions. Key words: Islamic finance, Opening-up policy, financial liberalization

The effects of social media digital channels on marketing and expanding the industry of e-commerce within digital world

The primary research question investigated was: What is the effect of social media channels on e-commerce expansion and marketing by Jordanian firms? The specific objectives included examining social media channels' effect on Jordanian companies' marketing and exploring social media's impact on Jordanian e-commerce expansion. To achieve the research goal, a quantitative method was used in which fifty social media managers of Jordanian firms were recruited and surveyed. A key result from the analysis conducted was that social media enables word-of-mouth expression by users regarding certain brands that positively and significantly increase the marketing effect of the firms. The other result noted from the analysis is that an increasing number of loyal followers can eventually lead to reduced e-commerce of firms if they fail to align the products and services with customers' interests. One limitation of this research was a small sample, which reduced the generalization of the results. One recommendation from this research is that Jordanian firms should create entertaining and engaging social media posts that ensure customers can share their positive experiences using specific products, leading to significant marketing impact

How mobile phone application enhance human interaction with e-retailers in the middle east

The paper aims to provide a critical in-depth analysis of Mobile Phone Application's role in enhancing human interaction with E-Retailers, and more specifically, in the Middle East. First, the paper provides an outlook description of the definition and history of Mobile Phone Applications and human interaction and how the two complement each other. Next, the study outlines the various instances that human interaction with Mobile Phone Applications has led to E-retailer success and how it has come about. Then, the discourse provides an analytical look at the E-retailing Business in the Middle East while focusing on the history of E-retailing, business startups in the Middle East, and the revolution of E-retailing in the Middle East. Additionally, the research emphasizes the merits and demerits of using Mobile Phone Applications to promote and enhance E-commerce business in Middle East countries. Using relevant sources and credible references, the analysis will highlight the numerous instances Mobile Phone applications have been used by clients to connect with businesses that maintain an online presence. Using anthological, historical, and descriptive research methods, the arguments portrayed in this paper will heavily reflect on various case studies provided in the article. The case studies feature data representation from research conducted in the Middle East concerning Mobile Phone applications and E-commerce. Through focused approaches, this paper discerns, comprehend, and establishes the framework of the Middle East E-Commerce scene over the years, and outlines how far the industry has made progress through online platforms. Furthermore, emphasis will be laid on the market gaps left to fill in the E-commerce sector in the Middle East and the several approaches to better the industry. Lastly, this paper will conclude by providing my recommendations on the betterment of Mobile Phone Applications and how E-retailing can improve in the Middle East

The role of neural network for estimating real estate prices value in post COVID-19: a case of the middle east market

The main goal of this paper was to explore the use of an artificial neural network (ANN) model in predicting real estate prices in the Middle East market. Although conventional modeling approaches such as regression can be used in prediction, they have a weakness of a predetermined relationship between input and output. In this regard, using the ANN model was expected to reduce the bias and ensure non-linear relationships are also covered in the prediction process for more accurate results. The ANN model was created using Python v.3.10 program. The model exhibited a high correlation between predicted and actual house price data (R=0.658). In this respect, it was realized that the model could be effectively used in appraising real estate by investors. However, a major limitation of the model was realized to be a limited dataset for large and luxurious houses, which were not accurately predicted as data distribution between actual and predicted values became sparse for high house prices. A key recommendation made is that future research should include more variables related to luxurious houses and macroeconomic factors to increase the ANN model accuracy