The objective of the current study is to explore the factors affecting customer loyalty towards service quality at veterinary clinics in Kuala Lumpur. As veterinary clinic engaged with service businesses, it is fundamental to focus on the client’s perception of their service. A modified version of SERVQUAL was used to assess the service quality of the veterinary clinics. The total number of 200 respondents conveniently selected in this study, and the pre-tested questionnaires which contains five segments; demographic profile of the respondent, the expectations and perceptions of clients about the service quality of the veterinary clinic, client satisfaction, and loyalty respectively were randomly circulated. The service quality dimensions investigated in the research were tangible, reliability, responsiveness, assurance, empathy, accessible, animal welfare, and pricing. The collected data were analyzed using SPSS software, and tabulated as descriptive, correlation, and regression analysis. All the dimensions which were used are significantly correlated with each other. The service quality dimensions; tangible, responsiveness, assurance, empathy, accessible, animal welfare were the key antecedents of the customer loyalty. Thus, in order to maintain competitive in business, the veterinary clinics should improve their quality of service with the aim of attract new customers, and maintain the business as profitable manner.

The major objective of this study is to analyze the effect of the shopping environment and situation as perceived by modern retail shoppers into perceived crowding, store image, and shopping motives toward emotions and repurchase intention in the context of a grocery modern retail. The cross-sectional design method was used in this study, and the data were collected from a customer survey with randomly selected 244 respondents using an online questionnaire. According to the findings the perceived crowding, store image, and shopping motives affected positively on the customer emotions. The perceived crowding was revealed as the most influential variable on the emotions. We also found a direct effect of perceived crowding and store image on repurchase intention. Furthermore, the high-density retail condition shoppers tend to feel pleased with the shopping environment and give a positive appraisal to the store image. But unfortunately, a high-density retail condition could discourage the shoppers to have repurchase intention. Interestingly, when the emotions were used as a mediating variable of perceived crowding and repurchase intention, those independent variables affected on repurchase intention, positively. Therefore, the shoppers' emotions were the most important factor affected on repurchase intention in modern retail. The more they enjoy the shopping environment and situations, the more they are interested in making future purchases.

Financial Stability and Payment Systems Report of the Bank Negara Malaysia reported that household debt grew by 5.4% to RM1.09 trillion from a year earlier. Notably, households merely borrow or use credit for pur-chasing in order to smoothen their consumption. Less secure and vulnerable current, and retirement stages would be the result among public employees in Malaysia due to high household debts. Enhancing trend of better financial management practices is essential, especially for working employees due to the increased levels of existing personal indebtedness, and increasing focus on personal responsibility for financial planning among them. Nowadays, employee’s role in managing their finances is becoming complex due to experiencing with the complexity of financial commodities in the marketplace. Therefore, studying of the determinants of employees’ financial well-being (FWB) among employees in Malaysia is the major objective of this research. The sample of 590 employees in the public sector from four states was selected by applying multi stage sampling technique. The data gathering was accomplished using a self-administered questionnaire. According to the re-gression analysis, contribution of the variables to the model was 32.3%. Money attitude, financial practices, self-efficacy, and emotion coping had conspicuous contribution to FWB, while financial practices were identified as the key performing aspect to FWB. The findings of this study are beneficial to the government, and Non-Governmental Organizations (NGOs) to create a comprehensive approach specially to advance the living standards, and enhance the FWB of the lower-household income cluster of employees. More comprehension about the determinants of FWB plays a vital role to support workers to equip with financial prudence, and in the long-run would minimize the rate of Malaysian workers with financial difficulties.

During the past few years, many studies associated with sustainability of the organizations have primarily analyzed the financial and performance related implications of sustainability of an organization, and perception of these practices by neglecting the role of the employees who might play a vital role through taking part in pro-environmental behavior in the workstation. Thus, this study focuses on the individual’s pro-environmental workplace (PEW) intention to determine its mediating effect between the factors in the Theory of Planned Behavior (TPB) and the PEW behavior context among public workers in Malaysia. Random sampling on a list of ministries situated in Federal Territory of Putrajaya was used in the first stage followed by systematic sampling based on officer’s list of the directory in those ministries. Cleaned data resulted in 460 questionnaires gathered on demographic characteristics, PEW intention, attitude towards environmental practice in the workplace, subjective norms, perceived environmental workplace control, and PEW behavior of public sector context in Malaysia. The results reveal significant influences of PEW subjective norms, and perceived PEW control on the PEW behavior. While a series of regression analyses show that the PEW intention mediated only the two relationships between PEW subjective norms, and perceived PEW control on PEW behavior.