ind Alex Salmond: Champion of independence leaves a fractured political legacy By www.bbc.com Published On :: Sun, 13 Oct 2024 11:33:01 GMT Alex Salmond, who has died at the age of 69, led the SNP into power and through the 2014 referendum. Full Article
ind Scottish Tories needed a new message - has Findlay found it? By www.bbc.com Published On :: Mon, 28 Oct 2024 20:38:37 GMT Russell Findlay set out his stall in his first major speech since becoming party leader Full Article
ind Health union warns of 'large-scale' industrial action over pay By www.bbc.com Published On :: Tue, 12 Nov 2024 15:30:08 GMT Health Minister Mike Nesbitt said he would not be able to match pay deals for healthcare staff in other parts of UK. Full Article
ind Sir Chris Hoy: Finding Hope By www.bbc.co.uk Published On :: Tue, 05 Nov 2024 06:00:00 GMT Sir Chris Hoy shares how he wants to bring hope to others with stage four cancer. Full Article
ind Man to stand trial over industrial estate killing By www.bbc.com Published On :: Fri, 08 Nov 2024 12:28:03 GMT Father-of-four David McGuinness, 30, died in hospital after an incident last year. Full Article
ind We've collected 6,000 bricks - now we need to find them a new home By www.bbc.com Published On :: Thu, 31 Oct 2024 06:17:13 GMT Two Scots who own the biggest brick collection in the UK are looking for a museum to house all 6,000 of them. Full Article
ind Plans to speed up decisions on wind and solar farms By www.bbc.com Published On :: Wed, 13 Nov 2024 12:01:42 GMT Proposals for renewable energy schemes in Wales could be sped up under new plans. Full Article
ind Decision on wind farm cable project postponed By www.bbc.com Published On :: Tue, 12 Nov 2024 13:45:41 GMT A council delays a decision on the Saunton Sands beach proposal for additional survey work. Full Article
ind Crash inquest findings By www.bbc.co.uk Published On :: Wed, 16 Oct 2024 16:38:00 GMT A crash that killed four Shrewsbury boys could have been avoided, an inquest has heard. Full Article
ind Town asked to end reindeer use in Christmas events By www.bbc.com Published On :: Tue, 12 Nov 2024 16:03:14 GMT A letter to Newport Town Council claims the animals face distress, fear and mental fatigue. Full Article
ind Ineos Britannia: The team behind the team By www.bbc.com Published On :: Sat, 19 Oct 2024 10:25:03 GMT Meet some of the team behind Ben Ainslie's mission to win the America's Cup. Full Article
ind The story behind Digbeth's Peaky Blinders mural By www.bbc.co.uk Published On :: Tue, 22 Oct 2024 11:18:00 GMT Brummie painter tells Radio WM how Stephen knight came to commission his artwork Full Article
ind Cumbria's indoor marketing strategy By www.bbc.co.uk Published On :: Wed, 13 Nov 2024 13:01:00 GMT Indoor markets are having to reinvent themselves to survive the rise of online shopping. Full Article
ind 'Swindon town centre needs complete reinvention' By www.bbc.com Published On :: Wed, 13 Nov 2024 13:47:33 GMT A draft document with "ambitions" for Swindon town centre is being put to the council. Full Article
ind 'Highly flammable' cladding behind £450k bill By www.bbc.com Published On :: Mon, 11 Nov 2024 06:12:48 GMT The cladding is on a building which will house SEND students, Warwickshire County Council says. Full Article
ind Office updates iOS, Android apps – Windows 10 apps coming soon By liveside.net Published On :: Thu, 06 Nov 2014 17:54:16 +0000 Since Microsoft first introduced Office for the iPad last March, it’s been downloaded some 40 million times, even with the restrictions of needing an Office 365 subscription to use it. Today, Microsoft announced that Office will soon be coming to … Full Article News Android iOS Office Windows 10
ind What’s your perfect Windows Phone? By liveside.net Published On :: Sun, 09 Nov 2014 17:13:22 +0000 Microsoft is set to announce at least one, and possibly two new phones this week, a successor to the most popular Windows Phone ever made, the Lumia 520, and if rumors are correct, a successor to the 1320, … Full Article Commentary Windows 10 Windows Phone
ind Back to the future: Windows Phone to be called Windows Mobile? By liveside.net Published On :: Mon, 10 Nov 2014 23:01:22 +0000 Maybe that forced change from SkyDrive to OneDrive got things rolling, or perhaps new CEO Satya Nadella really is shaking things up at Microsoft, but there seems to be a newfound interest in beginning anew. That apparently includes name changes, … Full Article News Windows 10 Windows Mobile Windows Phone
ind How to find me off Twitter.com By plasticbag.org Published On :: Sun, 18 Dec 2022 19:07:08 +0000 Elon Musk’s Twitter in the name of ‘Free Speech’ has just banned anyone mentioning that they have accounts on other platforms – whether that be Truth Social, Facebook, Mastodon or anywhere. This is an unconscionable move clearly designed to disincentivize people from leaving the platform, locking them into his ecosystem. It is petulant, childish, selfish […] Full Article Net Culture Technology
ind The Bristol producers behind Attenborough’s ‘Asia’ By www.bbc.co.uk Published On :: Fri, 08 Nov 2024 15:36:00 GMT The new series is produced by the BBC’s Natural History Unit in Bristol. Full Article
ind Stay classy, Rescue Industry By belledejour-uk.blogspot.com Published On :: Wed, 20 Jun 2012 14:39:00 +0000 In the cutthroat world of filmmaking it must be hard to get noticed. Some make their names by honing their craft over years or even decades, learning the business from the ground up, and keeping their egos in check. Others sleep their way to the top. But that's kind of lame. Why make good films or suck off a decent producer when you can hop on the concern-porn cause of the week and gain tasty, tasty attention that way?Enter 'Balkans the Movie', a yet-to-be-made film that aims to expose the seedy underside of human trafficking by, er, cobbling together a lot of ethnic stereotypes and asking NGOs for funding. Nice work if you can get it. Certainly seems to have worked out for Nefarious: Merchant of Souls (which, incidentally, is so my next character if I ever take up RPGs again. Or alternatively my thrash metal band's debut album). The Balkans site is looking to cast such no-doubt sensitively and intelligently written characters as "Big Mama" (a large cockney lady married to a Jamaican) and "Fats" (a Kosovan by way of New Orleans). Cast extras include "10 Prostitutes," whose roles are not entirely clear apart from the fact there will be a "porn scene" and an "auction". Don't worry about the lack of scripts, though, ladies: the director assures you "I shall ask you to improvise on the day." Is your asshole-ometer up in the red yet? No, nor mine. Not. At. All. The site also makes clear that not only is the film gritty with potentially crude sex portrayed, it's also unpaid. Yes that's right, if you're lucky enough to get this gig you'll be pulling down not union rates or even minimum wage, but you will score a complimentary DVD. With profits to go to "anti-trafficking charities". The film will however be sent to "top industry contacts" who no doubt will dispatch it directly to the circular file. So basically you get to re-enact "harrowing scenes of torture" for free! Executive Summary: We're going to stick it to those horrible people exploiting young women by, er, exploiting young women. There isn't a mainstream porn studio in the world that could get away with this shit. If the concept of the film hasn't made you roll off your chair yet then get a load of the script. What there is of it, anyway, since most of the film will go all Mike Leigh on our asses and depend on the actors' improvisation skills. We experience the story through the eyes of Joe, who is "Unstoppable, determined, curious, witty, vulnerable and a good liar ... educated at Cambridge ... Joe's heritage enables him to infiltrate this group as his father is from Eastern Europe." So far, so Misha Glenny. Minus the credibility. "Joe is one of the remaining few journalists committed to the ethos of investigative journalism – to uncover the truth using all methods in spite of the risks." As long as "all methods" means "getting handjobs," yeah? Has someone alerted Leveson yet? Our Joe may be green, but by gum, he knows a good story when he sees it. "I'm onto a new story with the break-in thing--absolute page one stuff-- ... It's gonna be bigger than Watergate!" All the President's Men this ain't but please, tell me more, maybe I've missed what's so exciting here... "Guys get into arguments over nothing and before you know it, one of them is dead. They're shooting each other all the time." Oh. Never mind then.More dialogue WTF: "Fats had killed a made man, elite Mafioso." Now, I may be no expert - I'm only half-Eastern European and half-Sicilian, so what the hell do I know? I'm pretty sure - not 100% certain, but pretty sure - that Eastern European gangsters are not, kind of by definition, "mafiosi". Enter Natasha. Nats here is our hooker with a heart of gold. You can tell because she's giving Joe a rubdown and guided tour of her singing ability by page 2. She sounds all sorts of awesome: "Natasha left her country in Eastern Europe to find a rich man in the West. Unfortunately she was conned and is now serving as a prostitute." Serving as a prostitute? Bitch, I'm a sergeant in the Hooker Corps! On a more serious note, though, sounds to me she found exactly what she was looking for and needs to reframe this new arrangement not as a problem but as a solution. A rich man in the West. Only, you know, an hour at a time. Why put up with a guy full-time when you can get cash in hand and have the odd evening to yourself? Hell to the yes. The best part about Natasha is she speaks like a minor character from Isaac Bashevis Singer: "When I was 15, my parents married me, against my will, to a man aged 35, whom I did not love. So started my miseries." Feel free to imagine the sad violin here. Or alternatively some jaunty squeezebox à la Gypsy Weddings. Your call.But wait! There's more. So much more: "Smart Nick is Downtown Joey's son and a possible successor to him but first he must learn the business. " Unlike the writer, this may entail more work for Smart Nick than merely watching The Wire with the sound turned off. I like this Nick fellow, not least because "He has developed an upper class Oxford accent..." I didn't know the university had its own accent! Learn something new every day. Smart Nick deploys his hard-won knowledge of Received Oxford Pronunciation on such gems as: "Next to him dancing with sexy girl is Jim Whip, number 2 top porno star in UK."If Mark-Francis Vandelli doesn't get this role it will be a crime against Thespis.Oh wait, there is an Italian in the film! His name is 'Sammy Cigar'. We Italians are all called things like that, you know. We're also orange puppets made of sponge who sit around eating Dolmio every Saturday night with Mamma. He owns a nightclub too? You could have knocked me over with a feather. The there's Leo, the Obligatory American. "Leo was born into music, although his family were not in the industry he managed to make the right connections, is in his early forties and is American. His break came when he graduated from Harvard in Art History and dated the daughter of the Chairman of Warner Music. He has managed huge acts, is a millionaire, loves young women (18+) and sometimes dabbles in cocaine." The actual Chairman of Warner Music, Lyor Cohen, has a daughter all right. She turns 10 this year. Way to score, Leo! The film's website helpfully informs us that This story is fictional and is not intended to be racist or to offend anyone. It's not intended to be racist. Like, I didn't intend to steal that cupcake, it just ended up stuffed in my gob unpaid for, officer. (For what it's worth I'm not offended. I'm more bemused and slightly mystified but not actually offended. Kosovan gangsters from Louisiana may feel differently.) Also: All characters are fictional and any resemblance to any person/event or situation whether present or in the past is coincidental. Don't worry, hon. There is absolutely no danger anyone is going to mistake these characters for real people. Do you know what the script reminds me of? This date I had years ago. I met up with a guy from Guardian Soulmates who told me he was an aspiring novelist who eschewed a career as a postdoc chemist for two (yes! two!) masters' courses in writing. He then proceeded to tell me in much detail about this amazing book of his that was mysteriously unpublished. It involved a super-secret society at Oxford whose bitch-queen was a virginal descendant of the real Royal Family (whoever they are) and gets deflowered by her super-secret fraternity at the end. He saw Emily Blunt in the lead role for the film adaptation. There wasn't a second date. I could go on. But I won't. Because I'm not even past page 12 yet and you probably have other things to do today. Suffice it to say that I actually hope a rubbish trafficking hype film with characters like "Detective Inkling" and "Chinese Man" gets made. If only so I can MST-3K the shit out of it. And let's be honest, if I had no conscience and no qualms about not paying the talent I would be kicking myself right now for not coming up with this lucrative wheeze first. In fact I actually hope this is the product of some some hard-eyed cynic grabbing what cash he can out of the system before the whole trafficking panic collapses in a heap of invented moral scares and bullshit statistics. In which case, mate, I owe you an apology and a drink. Full Article profiteering trafficking unrealistic
ind Why Mercedes put ‘a reminder of joy and pain’ on display in their factory lobby | Formula 1 By www.racefans.net Published On :: Mon, 11 Nov 2024 12:32:38 +0000 Mercedes have put the car from Lewis Hamilton's controversial 2021 championship defeat on display in the lobby at their factory. Full Article 2021 F1 season Formula 1 2021 Abu Dhabi Grand Prix Mercedes toto wolff
ind Mobile-indexing-vLast-final-final.doc By developers.google.com Published On :: Mon, 3 Jun 2024 06:00:00 +0000 The last step of our migration to a mobile-first index will soon be complete: the small set of sites we've still been crawling with desktop Googlebot will be crawled with mobile Googlebot after July 5, 2024. Most websites do not need to do anything! Full Article
ind Traducteurs indépendants : quels changements pour 2017 ? By trematranslations.jimdoweb.com Published On :: Mon, 23 Jan 2017 04:41:00 -0600 Tout comme l’ouverture des soldes et la galette des rois, c’est désormais un rituel du mois de janvier : le début de l'année marque l'entrée en vigueur de nouvelles règles et la revalorisation des seuils applicables aux entreprises françaises. Afin de vous éviter de perdre trop de temps à glaner les informations concernant notre activité, j’ai réuni dans ce billet celles qui intéressent les traducteurs et interprètes exerçant leur activité en tant qu'indépendants. nouveaux seuils pour les MICROentreprises Courant 2016, Emmanuel Macron, alors ministre de l’Économie, souhaitait tripler le montant maximal du chiffre d’affaires de la microentreprise (ex-autoentreprise). Son successeur, Michel Sapin, prévoyait quant à lui de les doubler. Finalement, la loi de finances pour l’année 2017 se contente d’une simple revalorisation des seuils, dont voici les nouveaux montants, ainsi que les taux de prélèvement à prendre en compte : Plafonds 2016 2017 Montant maximal du chiffre d'affaires perçu pour bénéficier du régime de la microentreprise) 32 900 € 33 100 € Plafond majoré en cas de dépassement du chiffre d'affaires 34 900 € 35 100 € Revenu fiscal de référence pour bénéficier du prélèvement libératoire forfaitaire de l'impôt sur le revenu (par part du foyer fiscal)* 26 631 € 26 764 € Chiffre d'affaires annuel minimum pour valider quatre trimestres de retraite 9 743 € 8 873 € Taux forfaitaires du régime micro-social : - versement libératoire des charges sociales - versement libératoire de l'IR - contribution à la formation professionnelle (CFP) 22,9 % 2,2 % 0,2 % 22,9 % 2,2 % 0,2 % (*) Revenu fiscal de référence de l'année N-2 (cf. https://www.service-public.fr/professionnels-entreprises/vosdroits/F23267). Nouveau plafond de la sécurité sociale Le plafond de la sécurité sociale sert au calcul de certaines cotisations sociales des entrepreneurs individuels, notamment : le seuil de chiffre d’affaires pour l’exonération du paiement de la CSG-CRDS, des allocations familiales et de la contribution pour la formation professionnelle (CFP), le plafond de revenu pour la cotisation minimale de l’assurance maladie-maternité et de l’assurance vieillesse, le calcul du taux de cotisation applicable pour l’assurance vieillesse de base et la CFP, et la base forfaitaire de calcul de la cotisation d’assurance maladie-maternité en début d’activité. Depuis le 1er janvier 2017, il s'élève à 3 269 € par mois, soit une hausse de 1,6 % de son niveau en 2016. Plafond de la sécurité sociale 2017 Annuel 39 228 € Trimestriel 9 807 € Mensuel 3 269 € Pour les montants exacts des seuils et des plafonds applicables au calcul de cotisations sociales des professions libérales en 2017, visitez le site du service public. augmentation de la prise en charge du FIF PL Bonne nouvelle ! Cette année, le FIF PL (Fonds interprofessionnel de formation des professionnels libéraux) relève son plafond de prise en charge des frais de formation professionnelle pour les traducteurs et interprètes (code NAF : 7430 Z). Il s’établit désormais à 1 200 € par an (prise en charge au coût réel, plafonnée à 300 € par jour et limitée à 1 200 € par an et par personne). Voici le détail des prises en charge : Prise en charge formation professionnelle 2017 7430Z.pdf Document Adobe Acrobat 487.9 KB Télécharger transfert des traducteurs affiliés à la cipav au Rsi ? La loi de financement de la Sécurité sociale (PLFSS) pour 2017 a été promulguée le 23 décembre dernier. Son article 33 (devenu 50) qui proposait de transférer au RSI une partie des professions libérales non réglementées affiliées à la CIPAV (dont les traducteurs) a fait l’objet d’une saisine du Conseil constitutionnel orchestrée par cette dernière, ouvertement opposée à une mesure qu’elle considère comme « dangereuse pour son avenir et celui de l’ensemble des caisses de retraite des professions libérales ». Le Conseil constitutionnel a jugé que la liste des professions affiliées à la CIPAV devait obligatoirement être définie au niveau de la loi et non par simple décret, comme le prévoyait le Gouvernement. En jugeant contraires à la Constitution les dispositions de l’article 50 du PLFSS 2017, le périmètre d’action de la CIPAV reste donc inchangé. Cependant, certains des aménagements destinés à faciliter ce transfert ont été conservés dans le texte de loi. Au vu de la mauvaise réputation du RSI et des promesses de réforme des différents candidats à l’élection présidentielle, la situation pourrait donc évoluer. À suivre ! Pour aller plus loin : RSI : six changements probables pour les indépendants en 2017 (L'Express) Cotisations et contributions sociales des professions libérales (Service-Public.fr) Droits à la retraite des micro-entrepreneurs (Service-Public.fr) Montants du plafond de la sécurité sociale (Portail du service public de la sécurité sociale) Transfert de la CIPAV au RSI annulé ou reporté (Novelvy retraite) À propos de l'auteur Professionnelle accréditée en commerce international ayant travaillé plusieurs années comme conseillère pour les PME, Gaëlle Gagné est devenue traductrice indépendante en 2005. À la tête de Trëma Translations, elle traduit de l'anglais vers le français et partage ses connaissances en gestion d'entreprise avec ses collègues traducteurs dans un blog intitulé Mes petites affaires. Et maintenant ? Partagez Abonnez-vous au flux Consultez d'autres articles : L'indispensable formation continue du traducteur Traducteurs : 3 pistes pour se former sans se ruiner Devenir traducteur indépendant en auto-entreprise La TVA du traducteur Full Article
ind Devenir traducteur indépendant en microentreprise By trematranslations.jimdoweb.com Published On :: Tue, 18 Aug 2020 08:18:00 -0500 La microentreprise est un dispositif français permettant d’alléger au maximum les contraintes liées à la création et à la gestion d’une entreprise. Depuis son lancement il y a 10 ans, et malgré les critiques de certains professionnels qui ont du mal à aligner leurs tarifs sur ceux des microentrepreneurs facturant en franchise de TVA, il rencontre un franc succès. Il faut dire que ce régime à la fois fiscal et social a bien des atouts, notamment pour les professionnels exerçant en libéral comme les traducteurs. La microentreprise est-elle la bonne solution pour vous ? Faisons le point sur ses avantages et ses inconvénients… Pourquoi choisir ce régime ? Petite précision avant de commencer : il ne faut pas confondre le régime et la forme juridique d’une entreprise. En France, les trois principales formes juridiques choisies pour une création d’activité de prestation de services sont l’entreprise individuelle (EI ou EIRL), la société à responsabilité limitée (EURL/SARL) et la société par actions (SASU/SAS). La microentreprise est une entreprise individuelle qui bénéficie d’un régime fiscal et social particulier. À la fois simple à comprendre et à mettre en place, il a pour objectif d’alléger au maximum les démarches nécessaires à la création et à la gestion de votre entreprise (c’est-à-dire d’une entreprise individuelle réalisant moins de 72 600 € de chiffres d’affaires annuel hors taxes pour des prestations de services relevant de la catégorie des bénéfices non commerciaux ou BNC comme la traduction), mais comme souvent lorsqu’il s’agit de simplifier, il faut en contrepartie renoncer à certains avantages. Dressons donc la liste des points positifs et négatifs de l’entreprise individuelle sous le régime de la microentreprise : Avantages de la microentreprise En tant que microentrepreneur vous bénéficiez du régime micro-social simplifié, autrement dit, vous déclarez mensuellement ou trimestriellement votre chiffre d’affaires et payez vos cotisations sociales sous forme de pourcentage de ces recettes. Le principal avantage de ce régime est l’absence de charges sociales en cas de chiffres d’affaires nul. En clair, pas de recettes, pas de versement de cotisations. Un avantage non négligeable par rapport aux autres indépendants, dont les cotisations sont calculées sur les recettes de l’année précédente et versées quel que soit le niveau d’activité. Si le montant total des revenus de votre foyer fiscal ne dépasse pas un certain seuil, vous pouvez en plus opter pour le versement libératoire de l’impôt sur le revenu qui sera calculé en appliquant un taux forfaitaire spécifique sur le chiffre d’affaires (2,2 % pour les prestations de services comme la traduction) et payé en même temps que les cotisations et contributions sociales, simplifiant ainsi (et réduisant souvent) le paiement de votre impôt sur le revenu. Vous êtes dispensé d’immatriculation au registre du commerce et des sociétés (RCS) et de verser la cotisation foncière des entreprises (CFE) l’année de la création de votre activité. En plus de démarches simplifiées pour créer votre microentreprise, vous bénéficiez d’obligations comptables allégées. Les prestataires de services comme les traducteurs doivent simplement tenir un livre de recettes présentant les montants et l’origine des sommes perçues dans l’ordre chronologique et de conserver une pièce justificative (facture) pour chaque recette. Si vous avez moins de 26 ans ou êtes demandeur d’emploi (même sans être indemnisé) au moment de créer votre microentreprise, vous pouvez obtenir une exonération de cotisations sociales, totale ou partielle selon vos revenus, pour votre première année d’activité. Pour bénéficier de cette aide à la création, vous devez adresser une demande d’Aide à la création ou à la reprise d’entreprise (ACRE) auprès de l’URSSAF lorsque vous remplissez votre déclaration de création d’activité ou dans les 45 jours suivants cette date. inconvénients de la microentreprise Contrairement aux autres entreprises, le régime fiscal de la microentreprise (micro-BNC) ne permet pas de déduire ses charges réelles ou d’imputer un éventuel déficit sur les revenus de l’entreprise. Autrement dit, si vous dépensez plus que le montant de l’abattement forfaitaire prévu par le régime (34 % de votre chiffre d’affaires) ou plus que vous ne gagnez (risque limité, mais existant notamment au début de l’activité d’un traducteur), vous ne pourrez pas déduire ces dépenses ou cet éventuel déficit pour réduire votre impôt sur le revenu. La simplicité de la microentreprise vous empêche de sous-traiter une partie de votre activité (la relecture par exemple), car vous payez vos cotisations sociales sur vos recettes et ne pouvez donc pas déduire la part reversée à un tiers. Les entrepreneurs dont le chiffre d’affaires est inférieur à 34 400 € en 2020 bénéficient de la franchise en base de TVA et n’ont donc pas à collecter cette taxe lorsqu’ils facturent leurs clients. En contrepartie, ils ne peuvent pas récupérer la TVA qu’ils paient eux-mêmes sur les achats effectués pour leur entreprise. On parle parfois de la mauvaise image de la microentreprise qui ferait fuir les clients par son côté amateur. C’est peut-être un argument valable en France, où votre statut saute aux yeux dès que vous remettez une facture sans TVA, mais à l’étranger, où sont basés une grande partie de vos clients potentiels, vous ne trouverez personne pour s’en offusquer, et dès lors que vous avez obtenu un numéro de TVA intracommunautaire pour déclarer vos prestations de services dans l’Union européenne, la plupart ne s’en rendront même pas compte. Pour conclure, la microentreprise offre bien des avantages notamment au début de votre activité, car elle permet de simplifier au maximum vos démarches de création et la gestion de votre entreprise. C’est donc un excellent moyen de tester la vie de travailleur indépendant. Une fois lancé, il sera toujours possible de changer de régime ou de forme juridique pour mieux l’adapter à vos besoins. La création en pratique Vous êtes décidés ? Prêts à vous lancer dans l’aventure de l’entreprise individuelle et convaincus par les atouts du régime micro ? Il est désormais temps d’effectuer les démarches nécessaires à la création… Tout commence sur le Portail officiel des auto-entrepreneurs. Vous remplissez en ligne votre déclaration de début d’activité et votre demande est transmise au Centre de formalités des entreprises des professionnels de votre secteur (l’URSSAF pour les professionnels libéraux) qui se chargera de notifier toutes les administrations concernées (service des impôts, caisse de retraite, assurance maladie, etc.). Vous recevrez au cours des jours suivants les justificatifs nécessaires à l’exercice de votre activité. S’il est vrai qu’il ne faut y consacrer que 5 minutes, je tiens tout de même à vous présenter l’ensemble des acteurs concernés, afin que vous puissiez vous familiariser avec leurs rôles et contacter le bon interlocuteur en cas de besoin : URSSAF (Union pour le Recouvrement des cotisations de la Sécurité Sociale et des Allocations Familiales) : Dans le régime micro social (auto-entrepreneur), vos prélèvements sociaux sont simplifiés et regroupés en un taux unique. Leur redistribution est centralisée par le Centre de formalités des entreprises des URSSAF. CFE (Centre de formalités des entreprises) : le CFE enregistre la création de votre entreprise et collecte vos déclarations de recettes mensuelles et trimestrielles par l’intermédiaire du portail Auto-entrepreneur. SSI (Sécurité sociale des indépendants) : Depuis 2020, le régime social des indépendants est intégré au régime général de la Sécurité sociale. Le site web de la SSI vous donne accès à de l’information sur votre protection sociale et aux différents interlocuteurs : URSSAF pour le paiement des cotisations sociales et la contribution à la formation professionnelle, CPAM (Caisses primaires d’assurance maladie) pour l’assurance maladie, les indemnités journalières et la maternité, CARSAT (Caisses d’assurance retraite de la sécurité sociale) pour la retraite, la prévoyance et l’invalidité. Les professionnels libéraux ayant créé leur microentreprise avant le 1er janvier 2018 sont encore rattachés à la CIPAV (Caisse interprofessionnelle de prévoyance et d’assurance vieillesse) et disposent d’un droit d’option pour y rester affiliés jusqu’en 2023. INSEE (Institut national de la statistique et des études économiques) : Cet organisme administre le répertoire SIRENE qui recense tous les entrepreneurs individuels et les personnes morales et délivre les numéros SIREN et SIRET qui serviront à identifier votre entreprise. SIE (Service des impôts des entreprises) : l’interlocuteur unique des entrepreneurs pour l’ensemble de leurs démarches fiscales, notamment les déclarations et le paiement des impôts professionnels. LES CASES QUI POSENT QUESTION Que vous remplissiez votre déclaration de début d’activité en format papier ou électronique, certaines cases peuvent vous amener à vous interroger : Entreprise individuelle à responsabilité limitée (EIRL) : puisque le patrimoine d’une entreprise individuelle et de son dirigeant ne font qu’un, les biens de ce dernier peuvent être liquidés pour rembourser ses dettes professionnelles (à l’exception de la résidence principale). Pour éviter cela, ou protéger votre conjoint, vous pouvez opter pour l’EIRL et affecter un patrimoine à votre activité qui sera le seul pouvant être saisi pour rembourser vos créances professionnelles. Activité exercée : le code NAF ou APE de la traduction et interprétation est 7430Z. Vous le trouverez dans le menu déroulant des activités sous « Secrétariat, organisation, services support aux entreprises ». Vous pouvez exercer plusieurs activités dans le cadre d’une même microentreprise, mais vous devez indiquer la principale et respecter le seuil de chiffre d’affaires correspondant. Dénomination commerciale : si vous avez choisi un nom pour votre entreprise et souhaitez le faire figurer sur votre déclaration d’activité pour éventuellement servir de preuve d’antériorité, notez-le dans la case « Observations » sous la rubrique « Renseignements complémentaires ». Versement des cotisations : vous avez le choix de la fréquence du prélèvement de vos cotisations sociales (par mois ou par trimestre). Si vous comptez exercer votre activité à temps plein, je vous recommande le prélèvement mensuel pour vous éviter d’oublier l’échéance et faciliter la gestion de votre trésorerie. Versement libératoire forfaitaire de l’impôt sur le revenu : cette option fiscale du régime micro-BNC vous permet, si vous pouvez en bénéficier, de régler votre impôt sur le revenu (IR) tiré de votre microentreprise en même temps que vos cotisations sociales. Selon la situation de votre foyer fiscal, ce prélèvement à taux fixe (2,2 % de votre chiffre d’affaires) peut être avantageux, toutefois, puisqu’il est prélevé automatiquement vous pourriez payer l’impôt sur le revenu alors que vous n’êtes pas imposable : prenez le temps de faire le calcul ! Consultation des informations enregistrées dans le répertoire SIRENE : vous pouvez choisir de ne pas diffuser les informations personnelles vous concernant figurant dans le Système national d’identification et du répertoire des entreprises et de leurs établissements, couramment abrégé sous l’acronyme SIRENE. Ces informations sont normalement accessibles à tous et permettent de vérifier votre situation. Malheureusement certains en profitent pour vous adresser dès la création de votre entreprise des courriers d’aspect officiel destinés à vous vendre des services inutiles et payants. Si vous souhaitez protéger vos données, vous pouvez demander à ce qu’elles ne puissent pas être consultées sur le site de l’INSEE ni utilisées par des tiers. Quelle que soit votre décision initiale, vous pourrez toujours changer votre statut de diffusion par la suite. Les points importants à SOULIGNER Vous devez faire votre déclaration, systématiquement, chaque mois ou chaque trimestre, même en l’absence de chiffre d’affaires (dans ce cas-là, indiquez 0 pour la période concernée). Le seuil de sortie du régime pour les prestataires de services (72 600 € de CA HT en 2020) est dissocié du seuil d’exercice en franchise en base de TVA (34 400 € de CA HT). Vous pouvez donc être à la fois microentrepreneur et assujetti à la TVA. Le chiffre d’affaires à ne pas dépasser est calculé au pro rata du nombre de mois depuis la création de l’activité. Par exemple, si vous avez créé votre activité en mai, le seuil pour la première année sera 48 400 € soit (72 600 €/12 mois) x 8 mois d’existence. Gardez donc un œil sur le total cumulé de vos recettes, pour anticiper le dépassement des seuils (de chiffre d’affaires et de TVA) prévus dans le cadre du régime. Si vous exercez votre activité en franchise en base de TVA, vous devez impérativement en informer vos clients. Pour cela, la mention « TVA non applicable, article 293B du CGI » doit apparaître sur tous vos devis et factures. Le versement forfaitaire libératoire (VFL) de l’impôt sur le revenu est tributaire des revenus de votre foyer fiscal l’année N-2, ainsi pour opter pour le VFL en 2020, le montant de votre revenu fiscal de référence en 2018 doit être inférieur à 27 519 € par part de quotient familial. Si les revenus de votre foyer dépassent ce seuil, vous devrez alors intégrer le bénéfice de votre microentreprise à vos autres revenus et payer l’impôt correspondant via le prélèvement à la source. Ce bénéfice imposable est déterminé par l’administration fiscale qui applique au chiffre d’affaires déclaré des traducteurs un abattement forfaitaire pour frais professionnels de 34 % (avec un minimum de 305 euros) : vos revenus imposables représentent donc 66 % de vos recettes. Vous êtes redevable de la contribution à la formation professionnelle. Pour un traducteur, son montant s’élève à 0,20 % du chiffre d’affaires. Cette contribution vous donne droit au remboursement de certaines dépenses de formation par le Fonds interprofessionnel de formation des professionnels libéraux (FIF PL). Pour valider 4 trimestres de retraite par an, vous devez réaliser un chiffre d’affaires minimum revu chaque année (9 675 € pour les traducteurs en micro BNC en 2020). Et après ? Le statut de microentrepreneur s’applique tant que votre chiffre d’affaires (les recettes encaissées au cours de l’année civile) ne dépasse pas les seuils du régime fiscal de la microentreprise. Cependant, un éventuel dépassement n’a pas d’incidence sur le statut juridique de votre entreprise, qui reste une entreprise individuelle. Si vous ne pouvez plus ou ne souhaitez plus bénéficier du régime micro, vous « basculez » dans le régime de droit commun des entrepreneurs individuels. Autrement dit, vous ne bénéficierez plus du calcul simplifié de vos cotisations sociales et de votre impôt sur le revenu et serez désormais imposé selon un régime réel d’imposition, avec une comptabilité classique, nécessitant de préparer tous les ans un compte de résultat et un bilan. Pour éviter une majoration de 25 % de votre base d’imposition, vous devrez aussi adhérer à une Association de gestion agréée (AGA) ou faire appel aux services d’un comptable exerçant le visa fiscal. Le seuil de recettes imposant une sortie du régime ayant été relevé de façon significative, vous n’aurez pas à sortir du régime micro avant longtemps, mais il sera sans doute intéressant de le faire volontairement avant de franchir cette limite. Voyons comment cela se passe concrètement… DÉPASSEMENT DU PLAFOND Si l’entreprise dépasse le seuil de chiffre d’affaires pendant deux années consécutives (N et N+1), elle passe alors sur le régime fiscal de l’entreprise individuelle « classique » au 1er janvier de l’année N+2. Si le dépassement de CA n’intervient que sur une seule année, elle peut conserver le régime fiscal de la microentreprise. En cas de bascule, l’URSSAF vous informera de votre nouveau régime par l’envoi d’une lettre recommandée avec accusé de réception et vous disposerez d’un délai d’un mois pour contester votre situation. Attention : pour la première année, les plafonds sont calculés au prorata du nombre de mois depuis la création de votre entreprise. SORTIE VOLONTAIRE DU RÉGIME En tant que prestataire de services, le régime micro-BNC simplifie grandement votre comptabilité en vous imposant uniquement de tenir un livre-journal de vos recettes puisque votre bénéfice (imposable) est calculé de manière forfaitaire : après déduction d’un abattement de 34 %, il représente 66 % de votre chiffre d’affaires. Toutefois, si le poids de vos dépenses (frais professionnels + cotisations sociales) dépasse ces 34 %, il devient plus intéressant pour vous de déclarer votre bénéfice réel pour le calcul de votre impôt sur le revenu. En plus de vos recettes, il est donc judicieux de suivre vos dépenses dès le début de votre activité en vue de sortir volontairement du régime de la microentreprise au moment opportun. Prenez le temps d’étudier les différents régimes fiscaux et les autres statuts juridiques, afin d’anticiper ce changement. Pour vous renseigner dès maintenant sur la meilleure option pour gérer votre entreprise, je vous recommande de consulter les sites Mon-entreprise.fr et BPI France Création, et d’éventuellement prendre rendez-vous avez un comptable qui saura vous conseiller en fonction de votre situation. Amis microentrepreneurs, à vous de vous exprimer… Que pensez-vous de ce régime ? Tient-il toutes ses promesses ? Avez-vous du ou décidé d’y renoncer ? Pour aller plus loin : Tout savoir sur la microentreprise (Ministère de l'Économie) Portail officiel des auto-entrepreneurs (CFE) Foire au questions sur la microentreprise (Ministère de l'Économie) Mon-entreprise.fr Simulateur de revenus auto-entrepreneur (Mon-entreprise.fr) Fédération nationale des autoentrepreneurs & microentrepreneurs (FNAE) L'auteur Après avoir travaillé plusieurs années en tant que conseillère auprès de PME, Gaële Gagné est devenue traductrice indépendante en 2005. Aux commandes de Trëma Translations, elle traduit de l'anglais vers le français et partage ses connaissances en marketing et gestion d'entreprise avec ses collègues traducteurs par le biais d'un blog intitulé Mes petites affaires et de formations dispensées via le CI3M. Et maintenant ? Partagez Abonnez-vous au flux Consultez d'autres articles : La TVA du traducteur Bien facturer pour être payé Rédiger un devis de traduction efficace Rédiger son CV de traducteur 5 règles d'or pour fixer ses tarifs de traduction Full Article
ind Congratulations Dr. Malinda Kaushalye Kapuruge! By sanjiva.weerawarana.org Published On :: Sun, 23 Jun 2013 06:47:00 +0000 It gives me great pleasure to post extremely belated (he completed in October last year!) congratulations to Dr. Malinda Kaushalye Kapuruge on his completing his Ph.D. in Computer Science from Swinburne University in Australia. Kau's thesis topic was "Orchestration as Organization: Using an organisational paradim to achieve adaptable business process modelling and enactment in service compositions" and was supervised by Prof. Jun Han and Dr. Alan Colman. Kau's going to stay on in Swinburne as a Research Scientist for some time. Kaushalye worked in WSO2 for 2 years from 2006 to 2008 before going to grad school to pursue his Ph.D. work. Congratulations and good luck! (I'm going to post a few catch up congratulations so I can be up to date :-).) Full Article grad school sri lanka
ind Understanding the (Sri Lankan) IT Industry By sanjiva.weerawarana.org Published On :: Wed, 27 Jan 2016 05:54:00 +0000 In the last 3+ weeks there's been war raging in the IT Crowd in Sri Lanka about the proposed CEPA/ETCA thing: Basically the part of a free trade agreement with India which might allow Indians in the IT and ship building industries to work freely in Sri Lanka. I know nothing about building ships so I don't have any opinion about whether the proposal addresses a real problem or not. I do know a thing or two about "IT" and am most certainly opinionated about it :-). I also know little real info about CEPA/ETCA because the government has chosen to keep the draft agreement secret. Never a good thing. There have been various statements made by various pundits, politicians, random Joes (Jagath's I guess in Sinhalese ;-)) and all sorts of people about how the Sri Lankan IT crowd is Scared to their wits that their jobs will be taken by Indians Looking for the state to give them protection from global competition Unable to compete with the world's IT industry without help from Indians Unpatriotic because a lot of them leave the country after getting quality free education Living in a bubble because some of them get paid Rs. 150k/month straight out of university Etc. etc.. I will address a lot of these in subsequent blogs (hopefully .. every time I plan to blog a lot that plan gets bogged on). The purpose of this blog is to try to educate the wider community about the mythical thing called the (Sri Lankan) "IT industry". For each area I will also briefly touch upon the possible Indian relationship. Of course this is all my opinion and others in the industry (especially in the specific areas that I touch upon) may vehemently disagree with my opinion. Caveat emptor. YMMV. So here goes an attempt at a simple taxonomy: Hardware Resellers/Vendors Hardware Manufacturers Software Resellers/Vendors Software Manufacturers System Integrators - Local Market Focused System Integrators - Outsourcers Enterprise Internal IT Teams IT Enabled Services (ITES) and Business Process Outsourcers (BPO) Universities IT Training Institutes This became way more of a treatise than I intended. I'm sure its full of things that people will disagree with. I'll try to update it based on feedback and note changes here. Hardware Resellers/Vendors IBM Sri Lanka has been in Sri Lanka for more than 40 years I think. I imagine they came when Central Bank or some big organization bought an IBM mainframe. I remember seeing Data General, WANG, and a host of other now-dead names growing up (70s and 80s). These guys basically import equipment from wherever, sell it to local customers and provide on-going support and maintenance. Some of these players don't sell entire computers or systems but rather parts - visit Unity Plaza to see a plethora of them. Not too many Indian hardware brands being sold in Sri Lanka AFAIK but probably MicroMax (the phone) is an exception. So having the Indian IT Crowd here really has no impact on this segment. Hardware Manufacturers These are people who make some kind of "IT thing" and sell it locally or export it. When it comes to technology no one makes all of anything any more - even an iPhone consists of parts from several countries and is finally assembled in China. Same with any computer you buy or any phone you buy. There are a few people here who "make" (aka put together / assemble) computers and sell under their own brand. There are also a few who export them (I believe). There are also some others who make specific hardware devices that target specific solutions - best is the company that makes various PoS type systems that get sold as Motorola. Fundamentally not many hardware manufacturers in Sri Lanka yet AFAIK. In any case, they're not likely to be affected by Indians being in Sri Lanka as this is a very specialized market and its unlikely the specialized skill will migrate to Sri Lanka given that skill base has excellent opportunities anywhere. If at all, electronics related graduates in Sri Lanka do not have enough good career opportunities yet as we don't have many companies buildings things yet. Software Resellers/Vendors Takes Microsoft Sri Lanka or the 100s of other agents of global software brands that sell their wares in Sri Lanka. These guys get a cut out of the sale in some fashion. Yes of course some of them sell (very good) Indian software. For example, a bunch of banks use InfoSys' Finnacle (sp?) core banking system. Software, used well, can increase any organization's productivity (after all, software is eating the world and all that). If there are Indian companies which have technology that can be used to improve LK orgs productivity - by all means do come and sell it here! That may even require Indian engineers to come and install / customize them - no problem at all. So, this segment will simply welcome more Indian presence in terms of companies. In terms of the Indian IT Crowd coming here for this segment - I guess experienced sales people are solutions engineers to help sell and deploy the Indian products are always welcome. To be successful the company will need to send good people (good luck selling software if the sales engineer sucks) - and good people are welcome anywhere. I should mention the global SaaS software products (e.g. Salesforce, Netsuite, Google Apps, Office 365 etc.). Most of those don't have regional sales teams etc. - you just go to the website and sign up and use it. However, they will often have local system integrators who know how to help deploy, tune, customize and integrate those systems to whatever enterprise systems are already in place. Software Manufacturers These guys make some kind of software product and sell it to whoever will buy it. More and more are selling them online as SaaS offerings only. Competing in the software product market means you just need to build a better product or at least have a good enough product that's cheap. To create great products you need great people who think and innovate faster and better than anyone else out in the world. More and more pretty much every product competes globally as even the smallest customer can simply use globally available SaaS offerings (some made in Sri Lanka even). Every idea someone has for a product in Sri Lanka is guaranteed also conceived by at least multiple Indians. And multiple Americans. And multiple Europeans. Etc. etc.. "Ideas are cheap. Execution is not." - Mano Sekaram at a talk he gave at the WSO2 Hackathon a few years ago. To make products and get them to market is not easy. Will having some Indian employees help? SURE - if they're awesome people. The 2m people who applied for a clerical job really wouldn't help. Will marketing experience help? Of course - but again high quality product marketing experience is hard to come by in Sri Lanka, in India and even in California (speaking from personal experience). Despite idiotic politician statements about how advanced the Indian IT industry is, they are much more a global outsourcer and BPO operator than a product development country. That's changing rapidly but the numbers in the product side of the equation are much lower than the other side. In fact, I'd venture to say that as a %ge there are more product companies in Sri Lanka's IT ecosystem than in India's. In any case, the word "advanced" is very hard to quantify in the software world. So sure, let anyone come - but good luck getting too many jobs in product companies that have no patience or interest with mediocre people. You need a few superb people to build a great product and fewer great people to market and sell it. If you're a super engineer or a marketer in India, there are tons of opportunities for you in India already, so the only way you'll come is if we offer a better total package: Check out WorkInSriLanka. I hope you come and stay and never leave! For WSO2, we're a BoI company. If we find a high quality person from ANYWHERE who wants to work in Sri Lanka we can bring them over. Piece of cake really - visa wise. We will NOT pay higher salaries for foreign people though - something that I know many do and something I soooooo detest. Sri Lanka seems to love reverse discrimination. System Integrators - Local Market Focused These companies take software and hardware from whoever and produce solutions for customers. These are systems that solve a particular business problem for some organization. For example, the vehicle registration system at the Department of Motor Vehicles. The work these guys do involve working with the customer to understand the problem domain, figure out a good solution architecture, figure out which technology to apply and then to build the full solution. All very important stuff! Who works in these places? Typically a combination of business analysts, architects, engineers of all kinds (software, QA, UI etc. etc.), project managers and so on. Sri Lankan enterprises are quite slow to adopt software technology. This (IMO) is primarily because labor costs are low, because customer expectations are still not hard meaning competition is not that intense as it is in say US. That will change and we will need a LOT more people to integrate and build solutions for local companies. Can we meet the demand with local skill - my guess is yes. If we need a few more, the integrator companies can easily import people too. There is one segment of this market that is special however. Small enterprises are also picking up low end solutions. These are often implemented by the owners daughter/son or niece/nephew type person. Basically some trusted computer geeky relative who "automates" the place in some form. That used to be with an Access database + VB type thing .. not sure what is in play today in that space. That market is critical to help develop the local IT Crowd as it gives business (aka employment) to many many relatively low skilled yet value-adding people. The people working in these places don't need 4 year CS degrees. They're simply people with a bit of knowledge (acquired from a tutory type place) and a good knack for computing. Its critical to support and protect this community because they deliver technology to the wider mom&pop / small kade business community. I think a bunch of lower cost people from India working in Sri Lanka in this market could be a negative thing as it could threaten employment for low end IT workers. However, many of these deals are struck based on trust and relationships so it'll be really hard for anyone to break in. System Integrators - Outsourcers These guys take work from a foreign country (typically a more wealthy country but could be one that simply has a dearth of technical capacity) and bring it here to do the work. Virtusa is of course the largest (~3000 or so people AFAIK) but there are TONS of smaller players employing a few 10s of people and a few dozen or so in the 100s range I think. The smaller ones always start with a single contract the owner managed to get from his/her work in the foreign country or thru a friend/relative outside. Do one task well at 1/5th to 1/3rd the price in the US and you can clearly keep get more business. Capitalism at work. The bigger of these companies are great places to work for the best of the best. They may give opportunities to learn a ton of stuff, travel, develop soft skills etc. etc.. Lots of passionate employees who will not move easily. The middle sized ones (> 25, < too many 100s) are usually great companies. They pay people well, they provide a quality work environment, they have passionate employees and often specialize in one or few areas (e.g. Alfresco or Mobile apps or whatever) and therefore command a higher charge out rate. The small companies (<= 25) tend to be more sweat-shop like from what I've seen - pay the people as little as possible and use crazy micro project management to deliver. No passionate employees typically. Its just a job that gives a paycheck for people who are relatively low skilled (and low initiative powered too). Virtusa has offices in India too with like 7000 people I think. If they want to hire Indians they can hire them there. If they want to bring people down here they can do it and undoubtedly do it already. (You need to go thru the Board of Investment but its trivially easy. FAR FAR FAR easier than hiring a foreigner in the US .. or I imagine India.) Does this part of the IT Crowd get affected by possible mass migration of the Indian IT Crowd to Sri Lanka? Not for the Virtusa's of the world IMO. However, for the smaller players, the small company CEOs who are milking money off the small outsourcing contracts, yes getting cheaper invisible people will be better for them. That could indeed mean a reduction in employment opportunities for the lower end of the technical community who work in these places as there indeed will be Indians willing to work for less (see Two million apply for 300 clerical jobs and 80% of Indian Engineering Graduates are Unemployable as recent examples). It would be great to have multiple Virtusa's in Sri Lanka. In 2009, Mphasis (apparently India's 7th largest service provider then) tarted operations in Sri Lanka with intent to hire 2000 but AFAIK have packed up and gone or are nowhere as big. I'm sure someone who knows will reply and I'll add a note. Would Infosys or TCS or whatever open up here if they have to bring people from India to Sri Lanka? I can't see why .. then why not just execute that in India itself. What am I missing in that equation? So I cannot see the larger players affected by this. The smaller players (and by that I mean the really small ones .. < 25 people) will probably benefit by getting cheaper workers. Will we see tons of iOS developers in LK with this? No, because they're a scarce commodity anywhere. Period. For the middle sized guys (> 25, < too many 100s) certainly getting more senior, experienced people from India will be a good thing. However, I see that as no different from attracting any national to come to Sri Lanka to work. I ABSOLUTELY want that - that's why I helped form WorkInSriLanka and am still part of it. High end people (of ANY origin) moving to Sri Lanka is critical for our future .. we need to become a net brain importer and not an exporter. However, they will come only if (a) you pay them properly and (b) if the quality of life is really good. These are things that WorkInSriLanka is addressing / informing about. Enterprise Internal IT Teams This literally the IT Crowd in the companies. (Haven't seen the awesomely funny British comedy? Check it out.) Well actually often they do much much more than that crowd. The IT Crowd guys are only IT operations - they keep computers running, keep networks running etc.. That's absolutely critical. But now more and more companies are using information as a key business strategy. What that means is that internal IT is becoming more and more important. Companies cannot afford to buy prepackaged solutions nor simply outsource to others - they need to innovate inside the company to create real business value for themselves in a way that differentiates them from their competitors. Not easy stuff. You need really good people. Not 100s, but a good number of really really good people and a bigger number of good people. You also need a visionary to be the CIO/CTO to drive that effort. Not at all easy. Sri Lanka is still in transition to that. Some big companies are doing it really well, but there's a massive dearth of really innovative CIOs in Sri Lanka yet. We're developing them as they move up the ranks but IT was kept away from the business and that needs to change for this to work. Is it a possibility to import talent for this from India? Of course! However, they are not cheap as those people have 1000x more work in India than here! What will happen to less skilled people who might come to this space? Good luck getting a job. For smaller companies, they don't have enterprise IT. Then they have the IT guy - the jack-of-all-trades who knows how to help with Powerpoint to debugging why he can't get to FB to cleaning up after he stupidly clicked on yet another get-rich-quick email. Those guys don't have (and don't need) CS degrees or IT/IS degrees. They need some training and lot of experience. They also get paid very little (think 25-50k/month). Those guys could get crunched if we allow hundreds of such people to come from India. That would be just stupid. IT Enabled Services (ITES) and Business Process Outsourcers (BPO) This is where the numbers are. Order a pizza in Texas? An Indian will answer. Call Delta airlines with an issue? An Philippino will answer. Call HSBC about an issue. A Sri Lankan will answer. These started off as call centers but more and more they take an entire process (e.g. claim processing for medical claims) and run the entire process in a lower cost location. All you need is a good network connection and a lot of (young) people who will work for a little amount and work odd hours and be happy with it. Sri Lanka also claims to be the largest producer of UK qualified accountants after UK .. and so does a lot of financial process outsourcing too. There's also high end parts of this market - research outsourcing, analytics outsourcing etc.. Great. Do more. Sri Lanka produces 300-400 THOUSAND 18 years each year. Only like 25,000 get to a university of some kind (who are the ones who have a chance at a higher value job). The rest need work. This low end kind of ITES/BPO work is great .. it gets them a salary and if the country keeps devaluing the LKR they even get salary raises every year! Keeping people employed prevents them from wanting to join revolutions. Some BPOs claim that they couldn't scale enough in LK because they can't find the large number of passionate, English capable young people. Probably true. MAYBE its possible to import them from India, but presumably only those that couldn't get jobs in the myriad of Indian BPOs. However, how that helps provide employment to the droves of young people who need work in Sri Lanka I do not know. Universities These guys of course produce the IT guys. We have state universities, private universities that grant their own degrees and a plethora of private ones that provide a learning environment to get a foreign university degree. As with anything the quality varies. The top govt engineering / science universities and the top private ones produce AWESOME graduates who are absolutely as good as the best in any country (India, US included). WSO2 is lucky that a bunch of these guys join us :-). But my focus here is on the teachers. We need more PhDs to teach in our universities - ask Jaffna Univ CS dept for example. Will Indian PhDs (good ones) come and teach there? Great if they want to! Salary is pretty poor but its what it is. Even private universities will happily hire teachers. We also need top research focused scientists to come here so we can improve our research capacity. I don't think opening employment to Indians will make a single IIT professor to come :(. Even right now, they can come (visa is easy) - so please, if you want to come and teach in Sri Lanka reach out thru WorkInSriLanka and we'll help you! And don't ever leave. India has absolutely fantastic universities. If they want to come and set up shop in LK and offer education to our people - great! India also has a LOT of crappy universities (see the article about unemployable graduates) - we certainly don't need them here. IT Training Institutes These are the literally hundreds (and maybe even thousands) of places that offer this course or that course on this or that. 90% of them in my opinion is crap. There's too little quality control. People are getting swindled daily by these jackassses who teach their children next to nothing and yet charge a ton of money. Even some local governments are in on it - I know in Dehiwala (my area) they run a program where literally 100s of people come for IT education. Each pays like Rs. 3000/month. Poor parents can't say no so they do it somehow. Do we need more of these? Yes, IF THEY ARE GOOD. We need to get our house in order, put regulations in to quality control these places and then of course its great if more teachers come and teach more. India has absolutely fantastic training institutes. Would be great to get them to open shop here. India also UNDOUBTEDLY has at least 10x crappy places than we do. Most certainly we don't need them here - we already have enough people robbing money from poor parents who desperately want to educate their children in "IT". (p.s.: Blogger.com has the world's WORST editor. I'm bailing to medium.com soon.) Full Article sri lanka
ind Impact of CPU-bound Processes on IP Forwarding of Linux and Windows XP By www.jucs.org Published On :: 2011-03-18T16:21:13+01:00 These days, commodity-off-the-shelf (COTS) hardware and software are used to build high-end and powerful workstations and servers to be deployed in today's local area networks of private homes and small- to medium-sized business. Typically, these servers are multipurpose and shared - running networking functionalities involving IP packet forwarding in addition to other CPU intensive applications. In this paper we study and investigate the impact of running CPU-bound applications on the performance of IP packet forwarding. We measure and compare the impact and performance for the two operating systems of choice for home and small-business users, namely Linux and Windows XP. The performance is studied in terms of key performance metrics which include throughput, packet loss, round-trip delay, and CPU availability. For our measurements, we consider today's typical home network hosts of modern processors and Gigabit network cards. We also consider different configuration setups and utilize open-source tools to generate relatively high traffic rates. Our empirical results show that Linux exhibits superior performance over Windows XP in terms of IP forwarding performance. Results also show that, unlike Windows XP, the IP forwarding performance of Linux is not significantly impacted by running CPU-bound applications. Full Article
ind The Use of Latent Semantic Indexing to Mitigate OCR Effects of Related Document Images By www.jucs.org Published On :: 2011-04-07T14:38:42+02:00 Due to both the widespread and multipurpose use of document images and the current availability of a high number of document images repositories, robust information retrieval mechanisms and systems have been increasingly demanded. This paper presents an approach to support the automatic generation of relationships among document images by exploiting Latent Semantic Indexing (LSI) and Optical Character Recognition (OCR). We developed the LinkDI (Linking of Document Images) service, which extracts and indexes document images content, computes its latent semantics, and defines relationships among images as hyperlinks. LinkDI was experimented with document images repositories, and its performance was evaluated by comparing the quality of the relationships created among textual documents as well as among their respective document images. Considering those same document images, we ran further experiments in order to compare the performance of LinkDI when it exploits or not the LSI technique. Experimental results showed that LSI can mitigate the effects of usual OCR misrecognition, which reinforces the feasibility of LinkDI relating OCR output with high degradation. Full Article
ind The Iceberg Effect: Behind the User Interface of Mobile Collaborative Systems By www.jucs.org Published On :: 2011-07-08T12:29:59+02:00 Advances in mobile technologies are opening new possibilities to support collaborative activities through mobile devices. Unfortunately, mobile collaborative systems have been difficult to conceive, design and implement. These difficulties are caused in part by their unclear requirements and developers' lack of experience with this type of systems. However, several requirements involved in the collaborative back-end of these products are recurrent and should be considered in every development. This paper introduces a characterization of mobile collaboration and a framework that specifies a list of general requirements to be considered during the conception and design of a system in order to increase its probability of success. This framework was used in the development of two mobile collaborative systems, providing developers with a base of back-end requirements to aid system design and implementation. The systems were positively evaluated by their users. Full Article
ind A Petri Nets based Approach to Specify Individual and Collaborative Interaction in 3D Virtual Environments By www.jucs.org Published On :: 2011-07-08T12:30:03+02:00 This work describes a methodology that supports the design and implementation of software modules, which represent the individual and collaborative three-dimensional interaction process phases. The presented methodology integrates three modeling approaches: Petri Nets, a collaborative manipulation model based on the combination of single user interaction techniques taxonomy, and object-oriented programming concepts. The combination of these elements allows for the description of interaction tasks, the sequence of interaction processes being controlled by Petri Nets with the codes generated automatically. By the integration of these approaches, the present work addresses not only the entire development cycle of both individual and collaborative three-dimensional interaction, but also the reuse of developed interaction blocks in new virtual environment projects. Full Article
ind "Israël is Forever" : "Le sionisme religieux le plus fanatique"… avant France-Israël, un gala organisé par des personnalités franco-israéliennes d’extrême droite fait polémique - L'Indépendan By news.google.com Published On :: Wed, 13 Nov 2024 09:49:00 GMT "Israël is Forever" : "Le sionisme religieux le plus fanatique"… avant France-Israël, un gala organisé par des personnalités franco-israéliennes d’extrême droite fait polémique L'IndépendantMatch France-Israël : Pourquoi le gala « Israël for ever » organisé ce soir à Paris fait polémique ? 20 MinutesQu’est-ce que le Betar, ce mouvement juif qui organise un rassemblement le 13 novembre à Paris ? Sud OuestQui est Bezalel Smotrich, le ministre d’extrême droite au cœur de la polémique du gala « Israël is forever » organisé à Paris Le Parisien"La justice a tranché": Bruno Retailleau confirme la tenue d'un gala pro-Israël à Paris BFMTV Full Article
ind Un moindre taux de cellules commerciales vides dans le centre-ville carolo selon la Ville By www.rtl.be Published On :: Tue, 24 Jan 2023 00:03:34 +0100 (Belga) Le taux de cellules commerciales vides dans le centre-ville carolo est tendanciellement à la baisse, a indiqué lundi soir lors du conseil communal de la Ville de Charleroi Babette Jandrain, l'échevine carolo du Commerce en réponse à une question qui lui était adressée.Selon l'élue, qui a indiqué reprendre les chiffres de l'Association de Management du Centre-Ville (AMCV), le taux actuel de cellules commerciales vides dans l'intra-ring carolo est de 29% contre 33,6% en 2020. Et ce malgré le Covid et la crise énergétique qui ont mis en difficulté l'activité commerciale dans les grandes villes. Si le taux de cellules commerciales vides reste élevé à Charleroi, il n'en reste pas moins que la situation a tendance à s'améliorer, a indiqué Babette Jandrain. Les chiffres donnés par l'échevine ont été constatés par la conseillère communale du PTB Sofie Merckx, évoquant une situation de "désolation" concernant le quartier de la Ville Basse et interrogeant par ailleurs la volonté de la Ville de faire de certaines cellules vides des logements. (Belga) Full Article
ind Des morts, et des indignes By www.koztoujours.fr Published On :: Thu, 29 Aug 2024 09:50:55 +0000 De nouveau, des personnes meurent aux urgences dans des conditions déplorables, après de longues heures d'attente sans soins, malgré les promesses gouvernementales. Où est l'indignité, sinon dans le fait de donner l'illusion de l'action publique et de n'être capable que d'agiter des hochets sociétaux ? Full Article Société fin de vie hôpital morts Politique top urgences
ind Modern health solution: acceptance and adoption of telemedicine among Indian women By www.inderscience.com Published On :: 2024-09-05T23:20:50-05:00 Access to quality healthcare is a fundamental right but unfortunately, India suffers from gender disparities in healthcare access. Telemedicine has the potential to improve access to healthcare services for women by eliminating traditional barriers. Therefore, our research aims to investigate the factors influencing the adoption of telemedicine among Indian women. This study has collected 442 responses and analysed them through structural equation modelling. The result indicates a strong and positive connection between the willingness to adopt telemedicine services and factors like performance expectancy, perceived benefits, e-health literacy, and perceived reliability. Notably, perceived reliability emerges as the most impactful predictor, closely followed by perceived benefits, while factors like effort expectancy and user resistance show no significant influence. This underscores the pivotal role of reliability and perceived benefits in shaping women's inclination toward adopting telemedicine. The study provides practical insights for telemedicine providers and policymakers to customise strategies and policies for effective promotion. Full Article
ind Trends and development of workplace mindfulness for two decades: a bibliometric analysis By www.inderscience.com Published On :: 2024-09-05T23:20:50-05:00 This systematic literature study employed bibliometric analysis to identify workplace mindfulness-related methods and practices in literature published from 2000 to 2020 by leading nations, institutions, journals, authors, and keywords. We also assessed the impact of workplace mindfulness research papers. Scopus analysis tools provided a literature report for 638 Scopus articles used in the study. Using VOSviewer, leading nations, institutions, articles, authors, journals, and keyword co-occurrence network maps were constructed. PRISMA was used to identify 56 publications to recognise workplace mindfulness literature's significant achievements. The research's main contribution is a deep review of neurological mindfulness and psychological measuring tools as workplace mindfulness tool categories. The study is the first to use the PRISMA technique to capture the essential contributions of workplace mindfulness papers from 2000 to 2020. Full Article
ind A constant temperature control system for indoor environments in buildings using internet of things By www.inderscience.com Published On :: 2024-07-01T23:20:50-05:00 The performance of a building's internal environment, which includes the air temperature, lighting and acoustics, is what determines the quality of the environment inside the building. We present a thermal model for achieving thermal comfort in buildings that makes use of a multimodal analytic framework as a solution to this challenge. In this study, a multimodal combination is used to evaluate several temperature and humidity sensors as well as an area image. Additionally, a CNN and LSTM combination is used to process the image and sensor data. The results show that heating setback and interior set point temperatures, as well as mechanical ventilation based on real people's presence and CO<SUB align=right>2 levels, are all consistently reduced when ICT-driven intelligent solutions are used. The CNN-LSTM model has a goodness of fit that is 0.7258 on average, which is much higher than both the CNN (0.5291) and LSTM (0.5949) models. Full Article
ind Design of data mining system for sports training biochemical indicators based on artificial intelligence and association rules By www.inderscience.com Published On :: 2024-07-02T23:20:50-05:00 Physiological indicators are an important basis for reflecting the physiological health status of the human body and play an important role in medical practice. Association rules have also been one of the important research hotspots in recent years. This study aims to create a data mining system of association rules and artificial intelligence in biochemical indicators of sports training. This article uses Markov logic for network creation and system training, and tests whether the Markov logic network can be associated with the training system. The results show that the accuracy and recall rate obtained are about 90%, which shows that it is feasible to establish biochemical indicators of sports training based on Markov logic network, and the system has universal, guiding and constructive significance, ensuring that the construction of training system indicators will not go in the wrong direction. Full Article
ind Uncovering the keys to well-being: calling, mindfulness, and compassion among healthcare professionals in India amidst the post-COVID crisis By www.inderscience.com Published On :: 2024-10-07T23:20:50-05:00 This study investigates the well-being of healthcare professionals in India, with a specific focus on the detrimental effects of the pandemic on their mental and physical health, including stress, burnout, and fatigue. This research examines the roles played by calling, mindfulness, and compassionate love as essential resources in promoting the well-being of healthcare professionals. Utilising structural equation modelling (SEM), the results reveal a significant cause and effect relationship between calling, mindfulness, and compassionate love and their influence on overall well-being. Furthermore, the study identifies a noteworthy parallel mediation effect, demonstrating that mindfulness and compassionate love serve as mediators in the relationship between calling and well-being. This research offers practitioners invaluable insights into the effective utilisation of mindfulness and compassionate love practices to enhance the overall well-being of healthcare professionals. Full Article
ind Fostering innovative work behaviour in Indian IT firms: the mediating influence of employee psychological capital in the context of transformational leadership By www.inderscience.com Published On :: 2024-10-07T23:20:50-05:00 This empirical study investigates the mediating role of two components of psychological capital (PsyCap), namely self-efficacy and optimism, in the context of the relationship between transformational leadership (TL), work engagement (WE), and innovative work behaviour (IWB). The study was conducted among IT professionals with a minimum of three years of experience employed in Chennai, India. Data collection was executed using a Google Form, and both measurement and structural models were examined using SPSS 25.0 and AMOS 23.0. The findings of this study reveal several significant relationships. Firstly, transformational leadership (TL) demonstrates a robust positive association with work engagement (WE). Furthermore, work engagement (WE) positively correlates substantially with innovative work behaviour (IWB). Notably, the study underscores that two crucial components of psychological capital, specifically self-efficacy and optimism, mediate the relationship between transformational leadership (TL) and work engagement (WE). These findings carry valuable implications for IT company managers. Recognising that transformational leadership positively influences both work engagement and employees' innovative work behaviour highlights the pivotal role of leaders in fostering a productive and innovative work environment within IT organisations. Full Article
ind Artificial neural networks for demand forecasting of the Canadian forest products industry By www.inderscience.com Published On :: 2024-11-11T23:20:50-05:00 The supply chains of the Canadian forest products industry are largely dependent on accurate demand forecasts. The USA is the major export market for the Canadian forest products industry, although some Canadian provinces are also exporting forest products to other global markets. However, it is very difficult for each province to develop accurate demand forecasts, given the number of factors determining the demand of the forest products in the global markets. We develop multi-layer feed-forward artificial neural network (ANN) models for demand forecasting of the Canadian forest products industry. We find that the ANN models have lower prediction errors and higher threshold statistics as compared to that of the traditional models for predicting the demand of the Canadian forest products. Accurate future demand forecasts will not only help in improving the short-term profitability of the Canadian forest products industry, but also their long-term competitiveness in the global markets. Full Article
ind Role of career adaptability and optimism in Indian economy: a dual mediation analysis By www.inderscience.com Published On :: 2024-10-02T23:20:50-05:00 The face of the hospitality sector in India is continuously changing and in times of career transitiveness, it is important to know the factors that support a successful career. The current research aims to explore the relationship between career planning, employee optimism, career adaptability and career satisfaction in the Indian hospitality sector. The study included 283 employees from Indian hospitality sector. Additionally, the study used SEM and bootstrap method to measure the dual mediating relationship between career planning, employee optimism dimensions, career adaptability dimensions, and career satisfaction in Indian setting. The results indicated that optimism dimensions and career adaptability dimensions partially mediate the relationship between career planning and career satisfaction in Indian hospitality sector. The study suggests useful implications for academia and industrial purpose. The limitations and future research avenues have been discussed. The study would contribute to the sparse literature on employee optimism, career planning, career adaptability and subjective career success. It would contribute to the social cognitive career theory (SCCT). Full Article
ind Technology-based Participatory Learning for Indigenous Children in Chiapas Schools, Mexico By Published On :: Full Article
ind The Wheels on the Bot go Round and Round: Robotics Curriculum in Pre-Kindergarten By Published On :: Full Article
ind New Findings on Student Multitasking with Mobile Devices and Student Success By Published On :: 2021-03-18 Aim/Purpose: This paper investigates the influence of university student multitasking on their learning success, defined as students’ learning satisfaction and performance. Background: Most research on student multitasking finds student multitasking problematic. However, this research is generally from 2010. Yet, today’s students are known to be digital natives and they have a different, more positive, relationship with mobile technologies. Based on the old findings, most instructors ban mobile technology use during instruction, and design their online courses without regard for the mobile technology use that happens regardless of their ban. This study investigates whether today’s instructors and learning management system interface designers should take into account multitasking with mobile technologies. Methodology: A quasi-experimental design was used in this study. Data were collected from 117 students across two sections of an introductory Management Information Systems class taught by the first author. We took multiple approaches and steps to control for confounding factors and to increase the internal validity of the study. We used a control group as a comparison group, we used a pre-test, we controlled for selection bias, and we tested for demographic differences between groups. Contribution: With this paper, we explicated the relationship between multitasking and learning success. We defined learning success as learning performance and learning satisfaction. Contrary to the literature, we found that multitasking involving IT texting does not decrease students’ learning performance. An explanation of this change is the change in the student population, and the digital nativeness between 2010s and 2020 and beyond. Findings: Our study showed that multitasking involving IT texting does not decrease students’ performance in class compared to not multitasking. Secondly, our study showed that, overall, multitasking reduced the students’ learning satisfaction despite the literature suggesting otherwise. We found that attitude towards multitasking moderated the relationship between multitasking and learning satisfaction as follows. Individuals who had a positive attitude towards multitasking had high learning satisfaction with multitasking. However, individuals who had positive attitude toward multitasking did not necessarily have higher learning performance. Recommendations for Practitioners: We would recommend both instructors and the designers of learning management systems to take mobile multitasking into consideration while designing courses and course interfaces, rather than banning multitasking, and assuming that the students do not do it. Furthermore, we recommend including multitasking into relevant courses such as Management Information Systems courses to make students aware of their own multitasking behavior and their results. Recommendation for Researchers: We recommend that future studies investigate multitasking with different instruction methods, especially studies that make students aware of their multitasking behavior and its outcomes will be useful for next generations. Impact on Society: This paper investigates the role of mobile multitasking on learning performance. Since mobile technologies are ubiquitous and their use in multitasking is common, their use in multitasking affects societal performance. Future Research: Studies that replicate our research with larger and more diverse samples are needed. Future research could explore research-based experiential teaching methods, similar to this study. Full Article
ind A Deep Learning Based Model to Assist Blind People in Their Navigation By Published On :: 2022-08-23 Aim/Purpose: This paper proposes a new approach to developing a deep learning-based prototyping wearable model which can assist blind and visually disabled people to recognize their environments and navigate through them. As a result, visually impaired people will be able to manage day-to-day activities and navigate through the world around them more easily. Background: In recent decades, the development of navigational devices has posed challenges for researchers to design smart guidance systems for visually impaired and blind individuals in navigating through known or unknown environments. Efforts need to be made to analyze the existing research from a historical perspective. Early studies of electronic travel aids should be integrated with the use of assistive technology-based artificial vision models for visually impaired persons. Methodology: This paper is an advancement of our previous research work, where we performed a sensor-based navigation system. In this research, the navigation of the visually disabled person is carried out with a vision-based 3D-designed wearable model and a vision-based smart stick. The wearable model used a neural network-based You Only Look Once (YOLO) algorithm to detect the course of the navigational path which is augmented by a GPS-based smart Stick. Over 100 images of each of the three classes, namely straight path, left path and right path, are being trained using supervised learning. The model accurately predicts a straight path with 79% mean average precision (mAP), the right path with 83% mAP, and the left path with 85% mAP. The average accuracy of the wearable model is 82.33% and that of the smart stick is 96.14% which combined gives an overall accuracy of 89.24%. Contribution: This research contributes to the design of a low-cost navigational standalone system that will be handy to use and help people to navigate safely in real-time scenarios. The challenging self-built dataset of various paths is generated and transfer learning is performed on the YOLO-v5 model after augmentation and manual annotation. To analyze and evaluate the model, various metrics, such as model losses, recall value, precision, and maP, are used. Findings: These were the main findings of the study: • To detect objects, the deep learning model uses a higher version of YOLO, i.e., a YOLOv5 detector, that may help those with visual im-pairments to improve their quality of navigational mobilities in known or unknown environments. • The developed standalone model has an option to be integrated into any other assistive applications like Electronic Travel Aids (ETAs) • It is the single neural network technology that allows the model to achieve high levels of detection accuracy of around 0.823 mAP with a custom dataset as compared to 0.895 with the COCO dataset. Due to its lightning-speed of 45 FPS object detection technology, it has become popular. Recommendations for Practitioners: Practitioners can help the model’s efficiency by increasing the sample size and classes used in training the model. Recommendation for Researchers: To detect objects in an image or live cam, there are various algorithms, e.g., R-CNN, Retina Net, Single Shot Detector (SSD), YOLO. Researchers can choose to use the YOLO version owing to its superior performance. Moreover, one of the YOLO versions, YOLOv5, outperforms its other versions such as YOLOv3 and YOLOv4 in terms of speed and accuracy. Impact on Society: We discuss new low-cost technologies that enable visually impaired people to navigate effectively in indoor environments. Future Research: The future of deep learning could incorporate recurrent neural networks on a larger set of data with special AI-based processors to avoid latency. Full Article
ind Implementing Team-Based Learning: Findings From a Database Class By Published On :: 2022-01-17 Aim/Purpose: The complexity of today’s organizational databases highlights the importance of hard technical skills as well as soft skills including teamwork, communication, and problem-solving. Therefore, when teaching students about databases it follows that using a team approach would be useful. Background: Team-based learning (TBL) has been developed and tested as an instructional strategy that leverages learning in small groups in order to achieve increased overall effectiveness. This research studies the impact of utilizing team-based learning strategies in an undergraduate Database Management course in order to determine if the methodology is effective for student learning related to database technology concepts in addition to student preparation for working in database teams. Methodology: In this study, a team-based learning strategy is implemented in an undergraduate Database Management course over the course of two semesters. Students were assessed both individually and in teams in order to see if students were able to effectively learn and apply course concepts on their own and in collaboration with their team. Quantitative and qualitative data was collected and analyzed in order to determine if the team approach improved learning effectiveness and allowed for soft skills development. The results from this study are compared to previous semesters when team-based learning was not adopted. Additionally, student perceptions and feedback are captured. Contribution: This research contributes to the literature on database education and team-based learning and presents a team-based learning process for faculty looking to adopt this methodology in their database courses. This research contributes by showing how the collaborative assessment aspect of team-based learning can provide a solution for the conceptual and collaborative needs of database education. Findings: Findings related to student learning and perceptions are presented illustrating that team-based learning can lead to improvements in performance and provides a solution for the conceptual and collaborative needs of database education. Specifically, the findings do show that team scores were significantly higher than individual scores when completing class assessments. Student perceptions of both their team members and the team-based learning process were overall positive with a notable difference related to the perception of team preparedness based on gender. Recommendations for Practitioners: Educational implications highlight the challenges of team-based learning for assessment (e.g., gender differences in perceptions of team preparedness), as well as the benefits (e.g., development of soft skills including teamwork and communication). Recommendation for Researchers: This study provides research implications supporting the study of team assessment techniques for learning and engagement in the context of database education. Impact on Society: Faculty looking to develop student skills in relation to database concepts and application as well as in relation to teamwork and communication may find value in this approach, ultimately benefiting students, employers, and society. Future Research: Future research may examine the methodology from this study in different contexts as well as explore different strategies for group assignments, room layout, and the impact of an online environment. Full Article
ind Determinants of FinTech adoption by microfinance institutions in India to increase efficiency and productivity By www.inderscience.com Published On :: 2024-10-21T23:20:50-05:00 The present study attempts to find out the determinants of FinTech adoption for financial inclusion by a microfinance institution in India. The factors such as efficiency, consistency, convenience, reliability are taken as predictors of organisational attitude. Similarly, organisational attitude, ease of use, and perceived benefits are considered as antecedents of organisational adoption intention of FinTech in microfinance institutions of India. The purposive sampling technique was used to get a filled survey instrument by target samples. The results indicate that convenience and consistency in the use of FinTech applications build a favourable attitude to adopt it. Furthermore, perceived benefits are the most important antecedents of the adoption intention of FinTech in the microfinance institution in India. Additionally, the reliability of the application has a positive but insignificant impact on organisational attitude to adopt FinTech. The implications of the present study are discussed. Full Article
ind Finding a balance between business and ethics: an empirical study of ERP-based DSS attributes By www.inderscience.com Published On :: 2023-10-23T23:20:50-05:00 Numerous scandals due to unethical decisions occur despite the growing use of decision support systems (DSS). Several scholars recommend incorporating ethical attributes along with business requirements in DSS design. However, little guidance exists to indicate which ethical attributes to include and the importance ethical attributes should be given in comparison to business requirements. This study addresses this deficiency by identifying ethical requirements to integrate in DSS design drawn from the business ethics literature. This study conducted a large-scale empirical survey with information technology decision-makers to examine the relative importance of DSS fit with ethical and business requirements as well as the appropriate balance of those requirements on perceived DSS performance. The results show that decision makers perceive better DSS performance when the ethical and business requirements align with its organisation's beliefs than from ethical or business requirements alone. Full Article