House Owners Research Articles

Career Satisfaction among Physicians, Dentists and Pharmacists: A study from Jordan

Objective: Career satisfaction experienced by healthcare professionals has an impact on the quality of health care. This study aims to evaluate career satisfaction perceived by physicians, dentists and pharmacists working in Jordan. Design: The study utilized an online questionnaire distributed among a sample of pharmacists, dentists and physicians working in Jordan. The questionnaire addressed career satisfaction as well as satisfaction regarding family and workplace aspects, relations with patients, colleagues, and society. Setting: Healthcare institutions in Jordan. Main outcome measures: Physicians, dentists and pharmacists were surveyed for factors influencing their career satisfaction. Results: A total of 294 healthcare personnel participated in this study with a mean age of 37.65±11.7 years (range= 23-68 years). Participants included 46 (15.6%) pharmacists, 128 (43.5%) physicians and 120 (40.8%) dentists with a female majority (76.9%). Only 165 (56.1%) expressed career satisfaction. Marriage, having children, a high monthly income, and house ownership were associated with a significantly higher career satisfaction (≤0.050). Moreover, professionals working in academic or non-governmental organizations had a significantly higher career satisfaction (P=0.001). Most practitioners were not satisfied with a work- family relation (51.8%), however, they were mostly satisfied with relationships with colleagues (65.9%), and perceived they received appreciation from patients and society (60.5%). Conclusions: Social and financial stability are associated with career satisfaction among healthcare professionals working in Jordan. Further, participants are generally satisfied with relationships with colleagues, supporting staff and patients. They are also satisfied with respect and appreciation offered from society. More attention is warranted for assessment of challenges and problems faced by practitioners in the private sector, particularly economic aspects to improve career satisfaction and mitigate turnover intention.

Densification of single and two-family houses considering green space and mobility

The question of future energy-efficient creation of living space is becoming more and more important in many cities due to limited space availability and simultaneously increasing settlement pressure. Against the background of the desired space, resource and energy efficiency, cities are steadily-focusing on internal development and densification. In order to encourage a sustainable urban development, the existing densification potentials need to be mobilized by addressing the owners directly, to convince them for the measures to mobilize the given potentials. Therefore innovative GIS methods and databases are used within the research projects “BONSEI!” and “BONUS” in order to detect these potentials. Following is a gradually constructive consultation that helps house owners, depending on their needs and wishes, to find potential construction actions to increase the living space within their parcel. The research project “BONUS” further tackles problems and concerns, which come with densification, by maintaining high quality green spaces and at the same increase the usage of sustainable forms of mobility and try to reduce car usage within the districts.

MASS HOUSING IN UKRAINE IN THE SECOND HALF OF THE 20TH CENTURY

The housing issue is rightly considered one of the most acute problems of humankind. It is generated by social causes and has a social meaning. The housing issue cannot be solved with purely technical, architectural or artistic approaches. Rather, it also depends significantly on economic, political and environmental circumstances. At different times, the nature of the living environment was formed under the influence of social order, the level of development of productive forces, household and economic systems, and other factors. In the second half of the 20th century, following standard designs, Ukrainian cities mostly consisted of four- and five-story residential buildings in new residential areas. As a result, the living environment of many cities in the country acquired a common and rather modest appearance, dominated by concrete construction. At that time, this was the most effective way of mass housing construction. New technologies and design solutions were used. Such housing was cheap and purposefully met the social standards at the time. In addition, for the owners of such housing, it meant a new higher level of comfort. This publication focusses on housing construction in the second half of the 20th century in Ukraine after 1956. It is important to identify the quality of such housing and its compliance with modern requirements. Methods of systematization of historiographical materials, comparative and historical analysis, and field surveys were used to achieve the aim. Among the main achievements are the comfortable density of residential areas and fast construction times. The disadvantages of this period’s mass housing construction are related to missing maintenance, ongoing destruction, often complex ownership situations and the challenge to adapt each building to current needs and regulations.

Buying a house without a formal title: A property rights perspective for understanding informal housing ownership in Shenzhen, China

ABSTRACT Informal housing accommodates a large number of populations in the worldwide and has received considerable attention. However, there is still a lack of understanding on the diversified informal settlers and their housing incentives, constraints, and risks they face. Based on existing research on property rights and informal settlements, this study presents a conceptual framework that includes four dimensions of property rights (the right of possession, the right of use, the right to earn rental income and the right of transfer) to explore the de facto property rights of Small Property Rights Housing (SPRH) owners for a better understanding on informal housing ownership and its relationship with formal and informal institutional arrangements in China. In-depth interviews with SPRH owners were conducted to explore the de facto property rights of SPRH ownership. Findings reveal that the “small” property rights shaped by formal and informal institutional arrangements have resulted in unique housing values of SPRH. Such housing values have met a wide range of housing needs and motivated heterogeneous social groups to obtain SPRH ownership in urbanizing China. Constructive attempts to clarify the “small” property rights of SPRH should consider the different social groups of informal housing owners and their diversified housing needs.

Screening eaves of houses reduces indoor mosquito density in rural, western Kenya

Despite the scale-up of insecticide-treated nets and indoor residual spraying, the bulk of malaria transmission in western Kenya still occurs indoors, late at night. House improvement is a potential long-term solution to further reduce malaria transmission in the region. The impact of eave screening on mosquito densities was evaluated in two rural villages in western Kenya. One-hundred-and-twenty pairs of structurally similar, neighbouring houses were used in the study. In each pair, one house was randomly selected to receive eave screening at the beginning of the study while the other remained unscreened until the end of the sampling period. Mosquito sampling was performed monthly by motorized aspiration method for 4 months. The collected mosquitoes were analysed for species identification. Compared to unscreened houses, significantly fewer female Anopheles funestus (RR = 0.40, 95% CI 0.29-0.55), Anopheles gambiae Complex (RR = 0.46, 95% CI 0.34-0.62) and Culex species (RR = 0.53, 95% CI 0.45-0.61) were collected in screened houses. No significant differences in the densities of the mosquitoes were detected in outdoor collections. Significantly fewer Anopheles funestus were collected indoors from houses with painted walls (RR = 0.05, 95% CI 0.01-0.38) while cooking in the house was associated with significantly lower numbers of Anopheles gambiae Complex indoors (RR = 0.60, 95% CI 0.45-0.79). Nearly all house owners (99.6%) wanted their houses permanently screened, including 97.7% that indicated a willingness to use their own resources. However, 99.2% required training on house screening. The cost of screening a single house was estimated at KES6,162.38 (US$61.62). Simple house modification by eave screening has the potential to reduce the indoor occurrence of both Anopheles and Culex mosquito species. Community acceptance was very high although education and mobilization may be needed for community uptake of house modification for vector control. Intersectoral collaboration and favourable government policies on housing are important links towards the adoption of house improvements for malaria control.

Manajemen Pemeliharaan Rumah Kos dari Pihak Pemilik dan Pengelola: Survey

A survey was conducted of 12 boarding houses spread across Ciwaruga, West Bandung Regency to investigate their current maintenance practices and property management functions. This finding highlights the policies of boarding house managers and owners regarding boarding house management planning; the extent of planning for budgeting; how to promote boarding rooms; by what means the rent is collected; a good relationship with the tenant; boarding house operational costs incurred; and the use of preventive/routine/deferred/emergency maintenance. Owners and managers of boarding houses should be aware of the concerns of tenants and they should also make designers aware of these issues; Building performance is likely to be improved if boarding house owners and managers take action in the design and operation phases in response to tenants' concerns.

Ekologijos nuostatos ir praktikos: individualių gyvenamųjų namų statybos sfera

Attitudes and Practices of Ecology in the Construction of Individual Houses The article examines the concepts and practices of ecology in the construction of the contemporary individual house, which is considered to be one of the most polluting. The paper presents an emic perspective on the owners of houses and architects. This work continues the studies of environmental anthropologists in seeking solutions to environmental problems. An analysis of the emic and etic perspectives could contribute to broadening the concept of ecology and help to select more environmentally friendly practices in construction. The work also offers a hypothetical image of an individual house which corresponds with the holistic concept of ecology. Key words: ecology, ecovillages, environmentalism, house, building.

Heterogeneity of public services, gender identity, and the spatial allocation of real estate

This study examines the spatial allocation of real estate in an equilibrium model integrating gender identity in the marriage market and the heterogeneity of public services according to housing property ownership. We found that low-skill people buy houses in small cities, with more men buying houses than women. Conversely, people with high ability buy houses in big cities, with more women buying houses than men. The more that the public services are exclusively reserved for house owners, the higher the degree of housing asset allocation for women buying houses in big cities and for men buying houses in small cities.

The dynamics of household water security and treatment practices: a population-based, cross-sectional study in Osun State, Southwest Nigeria.

A minimum of basic water supply service is pertinent to improving living standards and water-dependent quality of life indices. In Nigeria, 14% have access to safely managed drinking water services, though approximately 30% of water pumps and schemes are likely to fail within 12months of construction. This study aims to determine household water security and its predictors in Osun State, Nigeria. The cross-sectional study recruited 548 households through a five-stage sampling technique and used a semi-structured questionnaire for data collection.Results were presented by descriptive and inferential statistics, while binary logistic regression identified water-security predictors at Pά 0.05. Hand-dug wells (27.7%) and motorized boreholes (21.2%) were the predominant household drinking water sources. A total of 43.7% of households were water-secured while 35.2% of water sources were within residential settlements. A total of 25.1% of households experienced water scarcity, and 27.2% of households treat drinking water mainly by chlorination (56.7%) and boiling (14.7%). A total of 21.2%, 64.2%, and 9% of households, respectively, have safely managed basic and limited water supply services. Drinking water sources were associated with house ownership (p = 0.001) and residence period (p = 0.025) while water treatment was associated with gender (p = 0.010) and wealth (p = 0.0001). Age (p = 0.002) and wealth (p = 0.0001) are predictors of household water security. Two-fifths of households were water-secured, highlighting the dearth of potable water supply services and the need to incorporate strategic predictors of household water security in the existing national and state-level water resources regulations.

Applicability of the Mexican ovitrap system for Aedes vector surveillance in Colombia

ABSTRACT Ovitraps can detect Aedes vectors at an early stage and can serve as an alarm indicator for outbreak prediction. This study aimed to summarize the available literature about the ovitrap system and to determine its feasibility, required resources and costs when installing and maintaining this vector surveillance system in the municipality of Los Patios, Colombia. A scoping review to assess the role of ovitraps as a tool for Aedes vector surveillance was conducted. The subsequent fieldwork consisted of mapping the municipality, manufacturing, and installing 40 ovitraps in 10 blocks, revising them weekly for 4 weeks by two half-time employed vector control technicians, and carrying out a cost analysis. A total of 38 studies were included in this review showing that ovitraps had a better performance than other entomological surveillance methods and a positive correlation with other entomological and disease variables. From the field results over 4 weeks, a high proportion of positive ovitraps (80%, 90%, 75%, 97.5%) and positive blocks (100%) as well as a good acceptance by house owners (76.9%), were identified. Operational indicators such as average installation time of the ovitraps (10h15 m), weekly reading and reinstallation (on average 7h27 m) and the cost of the intervention (COL$1,142,304.47/US$297) were calculated. Literature shows that ovitraps are sensitive to detect the presence of Aedes mosquitoes, providing data efficiently and timely for outbreak prediction. The field testing showed it is an affordable and feasible method in the context of a Colombian municipality and similar endemic areas.

Logistic Regression and Man-Land Ratio in the Analysis of House-Ownership Status of Four Blocks in Purba Medinipur District, West Bengal, India

It is pertinent to initiate our study of rural economic status by examining the compositional factors of Man-land ratio and Logistic regression of house ownership. The principal sources of economy of the rural sector are agro product. As per the capability of land, it continuously helps to develop its catchment rural area. The productive land directly provides opportunity through the traditional agriculture practice. Our study is emphasis on Man-land ratio distribution and Logistic regression analysis of two independent variables of four blocks of Purba Medinipur district. Consider two independent variables are number of household and house ownership. Actually, house ownership is one of the alternative setup that may stable due to stable income source. Secondary data have collected authorised source, from Ministry of Rural development, published by Government of West Bengal in 2001 and 2011. The results of man-land ratio indicate that, the considered blocks having with standard level of status due to satisfied level of Man-land ratio value. The population density of the considered area is exhibit at moderate level. Finally, a robust statistical technique like Logistic regression (Hosmer and Lemeshow Test.) was applied over the considered data set with specific level of section and after binary conversion. The result shows that, the expected house ownership and calculated house ownership makes a strong relation between them. B value (slope) is -3.515 and calculated test statistic value satisfied the significant level at 9th and 10th steps sections at 97 % (P =0.03) level of confidence.

PENERAPAN AKAD MURABAHAH PADA PEMBIAYAAN KPR SYARIAH DI BANK SUMUT SYARIAH CABANG RINGROAD MEDAN SELAYANG

A house is a basic human need, but the soaring house prices rarely make people able to buy a house in cash. This is where the Bank bridges the interests of home buyers and sellers by offering mortgage products (House Ownership Credit), but the interest system used in conventional banks is a usury transaction which is prohibited for Muslims. The emergence of Islamic banking is a positive thing for Muslims who need facilities from usury-free banking. However, the development of Islamic banks in Indonesia is still far below that of conventional banks, this is an illustration that most of the Muslim community in Indonesia do not fully believe in using Islamic banks. On this basis, the author examines and discusses the application of the murabahah contract in Islamic mortgage financing at the North Sumatra Islamic Bank branch Ringroad Medan Selayang. This research is a descriptive qualitative research with case study theory which aims to describe the application of murabahah contracts to Islamic mortgage financing at the North Sumatra Islamic Bank Ringroad Medan Selayang branch and to find out how the implementation of murabahah contracts in Islamic mortgage financing at Bank Sumut Syariah Ringroad Medan Selayang Branch and how the impact of the implementation of the murabahah contract on Islamic mortgage financing at Bank Sumut Syariah Ringroad Medan Selayang Branch. Techniques for collecting data using interview techniques, namely by conducting questions and answers with officers, employees and authorities (authorized) and documentation to seek information regarding the implementation of murabahah contracts in Islamic mortgage financing. The data analysis technique used descriptive method. The results of this study, the implementation of the DSN-MUI fatwa on murabahah on the practice of murabahah financing in Sharia mortgage financing carried out by the Harmoni branch of BTN Syariah is appropriate and implemented especially in the murabahah bil wakalah financing model and treatment for defaulting customers..

Chinese people aged over 60 and intergenerational family cohabitation: A moderated mediation model of role perception, resources, gender, family power

We explored whether the perception of older adults of their role in the family mediated the relationship between resource contribution and sense of power, and if this relationship was moderated by gender. For data collection we adopted a stratified sampling method to recruit 1,200 Chinese people aged over 60 years who were living in intergenerational cohabitation with their adult children in Mengzhou City, China. The results showed that the family role perception of older adults mediated the relationship between their resources (including housing ownership and income level relative to that of their adult children) and their family decision-making power. Further, gender moderated the influence of resources on role perception, in that the relationships among housing ownership, relative income level, and role perception tended to be stronger for men than for women. The theoretical and practical implications of these findings are discussed.

Determinants of Households’ Multidimensional Poverty: The Case of Nekemte City, Oromia, Ethiopia

The study aimed at analyzing determinants of households’ multidimensional poverty in Nekemte City. To achieve this objective, the study used both primary and secondary data. The primary data was collected using semi-structured questionnaire. Simple random sampling technique was followed to draw 379 sample household heads. For data analysis, both econometric and descriptive method was applied. From econometric models, binary logit regression model was employed. The logit model result indicated that household heads’ educational level, family size, dependency ratio, income, house ownership, saving habit and social capital are the major factors significantly influencing households’ multidimensional poverty in the city. Based on the findings, the study suggests improving economic activities, promoting access to education and improving saving habits. Moreover, improved targeting devices can be useful instruments in reducing multidimensional poverty, in particular to reach those in severe poverty. Keywords : Multidimensional poverty, logit, Ethiopia DOI: 10.7176/EJBM/14-21-01 Publication date: November 30 th 2022

Linked Open Government Data to Predict and Explain House Prices: The Case of Scottish Statistics Portal

Accurately estimating the prices of houses is important for various stakeholders including house owners, real estate agencies, government agencies, and policy-makers. Towards this end, traditional statistics and, only recently, advanced machine learning and artificial intelligence models are used. Open Government Data (OGD) have a huge potential especially when combined with AI technologies. OGD are often published as linked data to facilitate data integration and re-usability. EXplainable Artificial Intelligence (XAI) can be used by stakeholders to understand the decisions of a predictive model. This work creates a model that predicts house prices by applying machine learning on linked OGD. We present a case study that uses XGBoost, a powerful machine learning algorithm, and linked OGD from the official Scottish data portal to predict the probability the mean prices of houses in the various data zones of Scotland to be higher than the average price in Scotland. XAI is also used to globally and locally explain the decisions of the model. The created model has Receiver Operating Characteristic (ROC) AUC score 0.923 and Precision Recall Curve (PRC) AUC score 0.891. According to XAI, the variable that mostly affects the decisions of the model is Comparative Illness Factor, an indicator of health conditions. However, local explainability shows that the decisions made in some data zones may be mostly affected by other variables such as the percent of detached dwellings and employment deprived population.

Evaluation Of Serang City Regional Regulation Number 17 Of 2010 Concerning Local Taxes in Serang City (Case Study of Hotel Tax on Boarding Houses)

The focus of this research is the evaluation of Serang City Regional Regulation Number 17 of 2010 concerning Local Taxes, especially Hotel Taxes on Boarding Houses in Serang City. In this evaluation, there are several problems in the implementation of the policy, such as the number of boarding houses with more than ten rooms not recorded by the Regional Revenue Agency (Regional Revenue Agency (Bapenda) Kota Serang, which makes boarding house owners with hotel tax categories not registered as taxpayers; Low level of awareness of hotel taxpayers on the boarding house of Serang City; The weak role of the government in approaching the taxpayer or going directly to the field; and the lack of socialization carried out by Regional Revenue Agency (Bapenda) Serang City. The theory used is the evaluation theory developed by Daniel Stufflebeam consists of four stages of evaluation aspects, namely CIPP. The qualitative descriptive method provides an overview of data analysis techniques using the Irawan model. The result of this study is that the implementation of the hotel tax policy on boarding houses in Serang City has not been running optimally. The hotel tax rate onboarding houses at a rate of 10% is still felt objection by the hotel taxpayer on the boarding house to make the taxpayer in arrears to pay the local tax. The lack of human resources, which is an important element in the success of policies that have data collection, registration, reporting, and evaluation of hotel taxes on boarding houses, is still experiencing a shortage. The available facilities and infrastructure are still inadequate. Socialization is still not optimal and thorough, so information about hotel tax policies on boarding houses is not conveyed properly, and weak enforcement of sanctions. Not yet optimally the contribution of hotel taxes on boarding houses to the Local Own-Source Revenue of Serang City Area from the regional tax sector.

Analysis of the Implementation of Hotel Tax Collection on Boarding Houses in Depok City in 2018-2021

Hotel tax on boarding houses is one of the Original Regional Incomes (PAD), which is categorized into Hotel Tax. There are several boarding house owners who do not report and pay for their boarding house business tax, which in this matter does not conform to the regulation related to boarding house tax which is Laws Number 28 of 2009 regarding Regional Rax and Retribution and Regional Regulation of Depok City Number 07 of 2010. The purpose of this study is to find out and analyze the Implementation of the Hotel Tax Collection on Boarding House in Depok City within 2018-2020. The method used in this study is the qualitative method with descriptive research. The result indicates that the Implementation of hotel tax collection on boarding houses in Depok City within 2018-2020 has not yet been implemented well due to the awareness of the taxpayers is still low, the counseling, education, and socialization that has not yet maximum, and the lack of human resource amount who can handle the hotel tax collection on the boarding house.

Subsidized Home Ownership Credit Agreement at the Mataram Branch of PT. Bank Tabungan Negara

Regarding to the fulfillment of the housing needs of the society, Indonesian government finally issued a policy related to subsidized housing ownership for low-income groups by installments through banks. However, the fact provision of subsidized housing loans experienced bad credit due to a lack of prudence by the bank in analysis before granting credit. The research method used in this study is a normative research method, by using library materials as primary data, especially from literature. The results of this study are to avoid the possibility of bad credit in the provision of subsidized housing loans, the bank as the creditor must be able to apply the prudential principle by conducting credit analysis in approving a credit application submitted. The principle of bank prudence takes the form of the 5C principles, which then known as Character, Capacity, Capital, Collateral, Condition of economy.

Mortgage loan and housing market

Focusing on the evolution of identical single-cohort households concerning their housing service consumption in the life-cycle context, this paper studies the impact of fixed-rate mortgage loans on both the rental and owner-occupied housing markets. Unlike the arbitrarily divided life span usually seen in literature, we “naturally” divide the household’s life cycle into three separate but continuous stages according to their involvement with their mortgage. Then, using inter-stage smoothing conditions, we solve optimal control problems for each life stage. In addition to proposing an implicit method for dealing with durable goods such as housing, we endogenize the housing tenure choice by considering the conversion of a housing renter to a housing owner for a household at different life stages. Our baseline model successfully generates results that are consistent with the empirical evidence. Our numerical comparative statics results reveal the long-run effect of the down-payment ratio, the mortgage interest rate, and the mortgage duration on the equilibrium values of rental housing rate, time for housing purchase, the quantity of housing purchase, and the minimum requirement of housing service to maintain a standard of living. Interpreting these results in terms of homeownership rate, we find that only the mortgage duration positively affects the homeownership rate in the long run.

An Analysis of Problems in Housing Ownership and Property Development in Abuja, Nigeria

Since housing ranks second in the hierarchy of human needs, real estate development and the housing crisis have taken on a significant dimension today. In Abuja, Nigeria, several elements have an impact on these issues. Real estate development may evoke various feelings, depending on one's perspective. Several factors are considered a problem for housing ownership and property development. This study analyzes the problems associated with housing ownership and property development in Abuja, Nigeria. The study used quantitative research; 121 questionnaires were given to real estate developers, and 77 were retrieved and used for analysis. According to the study's findings, the following factors are known to affect residential property development: access to land, funding, exorbitant building material costs, corruption, government policy, high capital costs, high labor costs, Cost of land, mortgage interest rate, building costs, perception of buyers' lack of price control, and household expenditures are further factors. Factors impacting affordability are revealed to be mostly outside of the control of the landowner but are still subject to government regulation. As a result, to provide a solution for this element, the government must improve the welfare of its population concerning housing.