http://ijaems.com/ Open Access international Journal to publish research paper en-us July This study described the effects of the COVID-19 pandemic on the ASKI MBA Insurance program and showed how the company adapted and managed the challenges the pandemic brought. Using a purposive sampling design, the researchers carefully conducted surveys and interviews on 10 (ten) ASKI MBA employees coming from various departments. Collected data were analyzed using the descriptive method. Results of the study revealed that ASKI MBA decreased sales from 11.078 million in the year 2019 to 2.128 million in 2020 resulting in a decrease in income by the end of 2020 of almost 8.95 million. The findings also gave us an idea of how many policies were produced amid the pandemic, 10,921. This amounts to 21.22% of the total 51,455 policies in force during the pandemic. Given the total number, information also displayed that there were 301 COVID-19 insurance claims. This number represents 0.58% of the total insurance volume. Because of the restrictions in the different areas of operations, ASKI MBA started to transition and adapt to digitization. This involves the online payment of insurance premiums, assessment of claims documents, and delivery of benefits. ASKI MBA will most certainly need to sustain its operational resilience and solvency management plans for some time. This should go hand in hand while fulfilling potentially complicated and evolving clients' expectations while providing critical services to policyholders. http://ijaems.com/detail/insurance-industry-during-covid-19-pandemic-a-case-of-aski-mba-insurance-program/ Lilia G. Salvador, Rhenalyn D. Salvador, Ronalyn A. Villariaza, Maurice Camille B. Rondon, Frederick G. Tangunan, Felipe E. Balaria http://ijaems.com/upload_images/issue_files/1IJAEMS-106202116-Insurance.pdf This study aimed at describing the factors influencing consumers’ participation in the new normal. 100 respondents came from different cities and municipalities in the province of Nueva Ecija, Philippines participated in this research. The descriptive research design was utilized to explore the common factors that influence consumers’ participation in various e-commerce sites. Results revealed consumers' participation is influenced by the information quality, ease of use, product delivery, price affordability, and data privacy. Further results revealed consumers' participation in e-commerce requires trust and confidence in online shops. Lastly, this paper has significant associations with the business and commerce industries. and recommendations for further research along this vein. http://ijaems.com/detail/factors-influencing-consumers-participation-in-e-commerce-in-the-new-normal/ Jessamee G. Banay, Jeny-Lyn S. Ong, Dexter U. Ong, Rasheen Kate T. Malubag, John Aldwin H. Olivar, Felipe E. Balaria http://ijaems.com/upload_images/issue_files/2IJAEMS-10720213-Factors.pdf The 21st century clearly demonstrates the role that quality plays both in small businesses and in international companies, globalization has brought with it more demanding customers and an increasingly wide market, where the only thing that can allow companies to stay in said market is to offer consumers quality products. Juran (1993) stated "quality is simply the suitability for use satisfying the customer's needs". The pig sector and its derivatives are an important source of employment that contributes to the development of society by guaranteeing food security and supplying the needs of the population. However, many times the quality of work in pig farms is not the best, while the importance of these farms is increasing. The present investigation took place in the company Agroindustrias de Córdoba S.A de C.V. This company has the need to develop a quality control protocol, since the industrial maintenance that the company carries out is having a negative impact on the quality of the pigs that Agroindustrias de Córdoba S.A de C.V sells. This research aims to assess the impact of industrial maintenance on the quality of work in the Agroindustrias de Córdoba S.A de C.V farm in order to generate a more efficient quality control protocol. For the development of the research, methodologies such as total quality and mode analysis and failure effect were considered, to name a few. http://ijaems.com/detail/impact-of-maintenance-on-the-quality-of-pig-farms/ Flores Sánchez Verónica, Hernández Pedraza Leticia, Vallejo Hernández Arely, Vásquez Rosas Sergio, Juaréz Borbonio Jesús, Chama Esteban José Luis http://ijaems.com/upload_images/issue_files/3IJAEMS-10720214-Impactof.pdf This study compared the quality of tap water given by the Cabanatuan City Water District – Prime Water Cabanatuan to replenished filtered water and bottled water obtained from water refilling stations. Water samples, in particular, had been tested in the lab for microbiological, physical, and chemical quality. Parameters include heterotrophic plate count, total coliform, thermotolerant coliform/Escherichia coli, total dissolved solids, pH, and turbidity. It was found that water supplied by Cabanatuan City Water District – Prime Water Cabanatuan City is cheaper, safe, and passed the Philippine National Standards for Drinking Water of 2017 compared to bottled water samples from refilling stations. However, despite the availability of potable water provided by the city water district, it is difficult to convince the public to adopt the behavior of drinking tap water instead of bottled or refilled purified water. http://ijaems.com/detail/the-cost-and-quality-of-bottled-water-in-refilling-stations-and-tap-water-in-cabanatuan-city-a-comparative-study/ Veronica A. Presentacion, Ma. Victoria P. San Gabriel, Merry Grace M. Nuñez, Geraldine A. Rimocal, Harold M. Ramos, Felipe E. Balaria http://ijaems.com/upload_images/issue_files/4IJAEMS-10720215-TheCost.pdf Small businesses can expand by adopting the correct digital marketing approaches, tools, and strategies on digital platforms, where there is a greater opportunity for smaller enterprises to advance to the next level. Digital marketing agencies are typically hired by business owners who do not know how to put up digital marketing campaigns on their own [1]. Digital marketing services are in charge of keeping organizations online while working within their budget constraints. Businesses, regardless of their size, should always ensure the promotion of their clients' enterprises in order to maintain continual technological innovation. When innovative technology becomes a mainstay for larger firms, the hurdles for small enterprises grow much more difficult. This study described the business owners’ preparedness and knowledge in different digital platforms. Results revealed that only a few business owners know how the digital world works. Most of them were only in the basic skills of their knowledge in the digital platforms. They have inadequate online payment options because of high processing fees, poor internet connection, and limited knowledge on how to use the application. Another challenge for the business owners was competition in Digital World for paid ads versus organic and poor brand credibility. http://ijaems.com/detail/challenges-of-small-businesses-in-using-digital-platforms-for-promoting-their-products/ Aileen G. Bondoc, Sharon M. Bartolome, Mary Ann B. Gaddi, Tracy Anne I. Katsuta, Janet M. Nerie, Felipe E. Balaria http://ijaems.com/upload_images/issue_files/5IJAEMS-10720216-Challengesof.pdf Our country has been through war since 1947, through the will of Indian soldiers to defend our country has led us to be victorious but we have lost many precious lives. At present our enemy has concentrated more on robotic based technology to counter us, although the love, courage and will does not imply to a robot, India has been emerging with latest technology like Agni missile to counter. War field spying robot with UGV’s is the latest technology which most nations are associated with to defend the lives of their soldiers. Our robotic model has been designed such that it gives live location at server end to keep surveillance, empowered by PIC microcontroller and NodeMCU manually designed to give complete and hassle-free use. It’s connected with IR sensor, bomb detector and buzzer. The IR sensor gives the hinderance information and bomb detector has been implied to fund underground mines. The server end connected through blynk gives all the information required. Thus, it can be very helpful only to counter the enemy but also to make strategic preparations in time of war. http://ijaems.com/detail/war-field-spying-and-rifle-firing-system-with-ugv-s-approach/ Ashitha V Naik, Balram Rayappa Kage, Vikrant Krishna, Tarun Pal, Tanmay Raj http://ijaems.com/upload_images/issue_files/6IJAEMS-107202110-War.pdf This work had as objective the development and analysis of a continuum flow reactor and measure its efficiency in the treatment of residual water of the biodiesel purification process using electro flocculation. The reactor was designed with two interconnected chambers with an 0.2 cm opening between then and reaction volume was 0.883 L and an electrolytic area of 351 cm². The electrodes were all aluminum, which were arranged in parallel and with 0.5 cm spacing, whose power was supplied by a DC source. As design variables, the influence of electrical potential (U) and residence time (τ) on: current density, final pH, removal of oils and greases, COD (Chemical Oxygen Demand), turbidity and total solids, in addition to quantification of the sludge mass obtained and the energy cost of the reactor. The best performance was for a potential of 6.0 volts and a τ of 29.43 min, with 90% removal of oils and greases, 53% COD and 4.38 g of sludge, culminating in an energy consumption ranging from 0.708 kWhm-3 to 4.73 kWhm-3. In addition, by visual analysis of the formation of bubbles and the removal of turbidity (94%), it was concluded that the division of the reactor in two chambers reduced the secondary contamination of the treated effluent. http://ijaems.com/detail/performance-of-a-two-chambers-reactor-for-the-treatment-of-an-oily-effluent-by-electro-flocculation/ Thalys de Freitas Fernandes, Gerônimo Barbosa Alexandre, Matheus Albuquerque de Saturno, Ana Paula Trindade Rocha, José Nilton Silva, Gilmar Trindade de Araújo http://ijaems.com/upload_images/issue_files/7IJAEMS-10720217-Performance.pdf Today as the Coronavirus crisis unfolds, several countries impose lockdown and social distancing to prevent a pandemic. The internet has become increasingly important for the reduction of social contact in the business world, health care, education, and industry, especially in educational institutions. This study aimed to identify the level of applying (IoT) in the management education process, identify the point of strength and weakness at high schools in Basra, and specify the current readiness. Depend on a survey, and case study methods to investigate the reality of applying (IoT) at high schools in Basra. We used a number of scientific research tools, including personal interviews and multiple field visits for schools. In addition, design a checklist to collect data necessary to find out the current reality through answer the question about four important indicators (connection, management, security and privacy, cost). This study reached a number of conclusions, the most important of which is that most schools in Basra are not ready to use (IoT) in managing the education process. Therefore, they need more focus on these indicators to take advantage of the benefits provided by (IoT) to improve the education process. http://ijaems.com/detail/measuring-the-readiness-of-applying-internet-of-thing-in-the-managing-education-process-at-high-schools-in-basra/ Raghad Saleh Darweish Salem Aljaseim http://ijaems.com/upload_images/issue_files/8IJAEMS-107202112-Measuring.pdf The relationship between the family and the school constitutes a turning point in the scientific and cognitive level of school students, especially in the intermediate and secondary levels, as it is an important and pivotal stage in the student’s life and must be followed up and coordinated between its parties in order to reach the student’s scientific level, and the positive relationship between these parties will lead to the formation of a generation of students who are able to build themselves and raise their capabilities, and the most prominent results of this research are as follows:- 1- There is great agreement in support of the research sample (teachers and parents) to pay attention to the issues of academic excellence and cooperation between the family and the school. 2- There is great agreement in the lack of support of the research sample (teachers and parents) in the topics of the impact of educational lessons on educational television on the educational level and the repercussions of private educational lessons at the level of students. 3- There is great agreement and support among the research sample (teachers and parents) regarding the development of relations between the school and the family to enhance solidarity and social solidarity. 4- There is consensus not to support the existence of treating individual differences and solving emotional problems for students by the school and the family, and this indicates the weakness of the relationship and coordination between them. The topics of observing students' behavior and discussing undesirable behaviors and phenomena practiced by some students got the support of the sample from both sides, the family and the school. http://ijaems.com/detail/public-relations-between-the-school-and-the-family-and-its-reflections-on-the-scientific-level-of-students-a-case-study/ Dr. Ethar Tareq Khaleel http://ijaems.com/upload_images/issue_files/9IJAEMS-10820211-Public.pdf In an attempt to curb-out black money, money laundering, and to have a sound economy, the central government of India has embarked on the cashless economy. It is the birth of a new era in the nation with life with digital money. This paper is going to conceptualize the meaning of a cashless system, explains online banking techniques in India, schemes by government to spread the cashless system in India and highlights the challenges of the cashless economy and electronic payment systems. The objective of this study is to examine the significant challenges that are faced by Indians on the way towards cashless. To achieve the objectives of this exploratory type of personal study, interviews will be conducted. http://ijaems.com/detail/cashless-transactions-issues-and-challenges-in-india/ Satvir Singh, Minakshi Choudhary http://ijaems.com/upload_images/issue_files/10IJAEMS-10820217-Cashless.pdf