Effect of policy and service quality of SOCSO on client satisfaction, moderated by client knowledge

The number of complaints made by SOCSO’s clients towards SOCSO gradually increase. Therefore, the annual goals of SOCSO are not consistently achieved. The policy makers and the service providers of SOCSO need to understand the client’s perception on the quality of service offered. Thus, this researc...

Full description

Saved in:
Bibliographic Details
Main Author: Dinesh Kumar, Saundra Rajan
Format: Thesis
Language:eng
eng
Published: 2019
Subjects:
Online Access:https://etd.uum.edu.my/8066/1/s900766_01.pdf
https://etd.uum.edu.my/8066/2/s900766_02.pdf
Tags: Add Tag
id my-uum-etd.8066
record_format uketd_dc
institution Universiti Utara Malaysia
collection UUM ETD
language eng
eng
advisor Abd. Aziz, Fadzli Shah
Abdul Manab, Norlida
topic HF5415.33 Consumer Behavior.
spellingShingle HF5415.33 Consumer Behavior.
Dinesh Kumar, Saundra Rajan
Effect of policy and service quality of SOCSO on client satisfaction, moderated by client knowledge
description The number of complaints made by SOCSO’s clients towards SOCSO gradually increase. Therefore, the annual goals of SOCSO are not consistently achieved. The policy makers and the service providers of SOCSO need to understand the client’s perception on the quality of service offered. Thus, this research attempted to study the effect of policy and the perceived service quality of SOCSO on client satisfaction. Besides, the study also examined the moderation effect of client knowledge on client satisfaction. This study was conducted all over Malaysia through the stratification of sampling in each state of the country. Five hundred and seven questionnaires were distributed but only 384 questionnaires were usable, yielding a response rate of 75.74%. The findings revealed that there are direct relationships between policy, perceived service quality and client satisfaction. The findings also showed that client knowledge moderated the relationships between policy, perceived service quality and client satisfaction. The theoretical implications of the study is the inclusion of client knowledge as the moderator in assimilation contrast theory. The practical implication of the study is assisting the organization to rework policy structure of SOCSO which consist of deductions and compensation coverage. The study concludes with limitations and suggestions for future work while some recommendations have been made to improve client satisfaction.
format Thesis
author Dinesh Kumar, Saundra Rajan
author_facet Dinesh Kumar, Saundra Rajan
author_sort Dinesh Kumar, Saundra Rajan
title Effect of policy and service quality of SOCSO on client satisfaction, moderated by client knowledge
title_short Effect of policy and service quality of SOCSO on client satisfaction, moderated by client knowledge
title_full Effect of policy and service quality of SOCSO on client satisfaction, moderated by client knowledge
title_fullStr Effect of policy and service quality of SOCSO on client satisfaction, moderated by client knowledge
title_full_unstemmed Effect of policy and service quality of SOCSO on client satisfaction, moderated by client knowledge
title_sort effect of policy and service quality of socso on client satisfaction, moderated by client knowledge
granting_institution Universiti Utara Malaysia
granting_department School of Business Management
publishDate 2019
url https://etd.uum.edu.my/8066/1/s900766_01.pdf
https://etd.uum.edu.my/8066/2/s900766_02.pdf
_version_ 1747828316149121024
spelling my-uum-etd.80662022-05-09T03:56:55Z Effect of policy and service quality of SOCSO on client satisfaction, moderated by client knowledge 2019 Dinesh Kumar, Saundra Rajan Abd. Aziz, Fadzli Shah Abdul Manab, Norlida School of Business Management School of Business Management HF5415.33 Consumer Behavior. The number of complaints made by SOCSO’s clients towards SOCSO gradually increase. Therefore, the annual goals of SOCSO are not consistently achieved. The policy makers and the service providers of SOCSO need to understand the client’s perception on the quality of service offered. Thus, this research attempted to study the effect of policy and the perceived service quality of SOCSO on client satisfaction. Besides, the study also examined the moderation effect of client knowledge on client satisfaction. This study was conducted all over Malaysia through the stratification of sampling in each state of the country. Five hundred and seven questionnaires were distributed but only 384 questionnaires were usable, yielding a response rate of 75.74%. The findings revealed that there are direct relationships between policy, perceived service quality and client satisfaction. The findings also showed that client knowledge moderated the relationships between policy, perceived service quality and client satisfaction. The theoretical implications of the study is the inclusion of client knowledge as the moderator in assimilation contrast theory. The practical implication of the study is assisting the organization to rework policy structure of SOCSO which consist of deductions and compensation coverage. The study concludes with limitations and suggestions for future work while some recommendations have been made to improve client satisfaction. 2019 Thesis https://etd.uum.edu.my/8066/ https://etd.uum.edu.my/8066/1/s900766_01.pdf text eng public https://etd.uum.edu.my/8066/2/s900766_02.pdf text eng public Universiti Utara Malaysia Abtin, A., & Pouramiri, M. (2016). The impact of relationship marketing on customer loyalty enhancement (case study: Kerman Iran insurance company). Marketing and Branding Research, 3, 41-49. Agnelli, J.F. (2003). Workers' compensation law conference: A comprehensive update on the latest practice issues. Boston: MCLE. Agus, A., Barker, S., & Kandampully, J. (2007). An exploratory study of service quality in the Malaysian public service sector. International Journal of Quality and Reliability Management, 24(2), 177-190. Ahn, Y.S., Kang, S.K., & Kim, K.J. (2004). Analysis of occupational diseases compensated with the industrial accident compensation insurance from 2001 to 2003. Korean Journal of Occupational and Environmental Medicine, 16, 139-154. Akbar, M.M., & Parvez, N. (2009). Impact of service quality, trust, and customer satisfaction on customers’ loyalty. ABAC Journal, 29(1), 24-38. Akhtar, M.N., Hunjra, A.I., Akbar, S.W., Ur-Rehman, K., & Niazi, G.S.K. (2011). Relationship between customer satisfaction and service quality of Islamic banks. World Applied Sciences Journal, 13(3), 453-459. Akter, S., D’Ambra, J., & Ray, P. (2010). Service quality of Health platforms: development and validation of a hierarchical model using PLS. Electronic Markets, 20(3-4), 209-227. Al Otaibi, N. M., & Yasmeen, K. (2014). An overview of customer loyalty, perceived service quality and customer satisfaction: brief on Saudi grocery stores. Journal of Entrepreneurship and Business Innovation, 1(1), 79-122. Alavi, M., & Leidner, D.E. (2001). Knowledge management and knowledge management systems: Conceptual foundations and research issues. MIS Quarterly, 25(1), 107-136. Albert, J. (2009). Study “Compensation of victims of cross-border road traffic accidents in EU: comparison of national practices, analysis of problems and evaluation of options for improving the position of cross-border victims” Report, European Commission. Aldosari, M., Ibrahim, Y., Manab, N. B. A., Al-Matari, E. M., & Alotaibi, E. A. (2016). Towards a Better Understanding of Foreign Workers’ Satisfaction with Cooperative Health Insurance: The Role of Service Characteristics, Financing, Choice of Plan and Customer Knowledge. International Review of Management and Marketing, 6(2), 270-276. Alreck, P. L., & Settle, R. B. (1995). The Survey Research Handbook: Guidelines and Strategies for Conducting a Survey, 2E. Edition, Chicago. Alter, S. (2002). Information systems: the foundation of e-business. Upper Saddle River, NJ: Prentice Hall. Anastasiou, S. (2015). Customer Satisfaction and Effective HRM Policies Customer and Employee Satisfaction. International Journal of Social, Education, Economics and Management Engineering, 9(1), 253-257. Anderson, B. B., & Dees, J. G. (2017). Sector-bending: Blurring the lines between nonprofit and for-profit. In In search of the nonprofit sector (pp. 65-86). Routledge. Anderson, D. R., Sweeney, D. J., & Williams, T. A. (2006). Quantitative methods for business. Mason, OH: Thomson Anderson, E. (1995). Measuring service quality in a university health clinic. International Journal of Health Care Quality Assurance, 8(2), 32-37. Anderson, E. W., & Fornell, C. (1994). A customer satisfaction research prospectus. Service quality: New directions in theory and practice, 14(1), 239-266. Anderson, E.W., & Sullivan, M.W. (1993). The antecedents and consequences of customer satisfaction. Marketing Science 12, 125-143. Anderson, E.W., & Sullivan, M.W. (2003).The antecedents and consequences of customer satisfaction for the firms. Marketing Science, 12(2), 125–143. Anderson, R.E. (1973). Consumer dissatisfaction: The effect of disconfirmed expectancy on perceived product performance. Journal of Marketing Research, 38-44. Andreassen, T.W. (2000). Antecedents to satisfaction with service recovery. European Journal of Marketing, 34(1/2), 156-175. Arnold, S. (1997). Shopping habits at Kingston department stores, wave III, three years after Wal-Mart’s entry into Canada. Report no. 3, University School of Business, Kingston, July, 3(1997). Arokiasamy, A.R.A., & Tat, H.H. (2014). Assessing the relationship between service quality and customer satisfaction in the Malaysian automotive insurance industry. Middle-East Journal of Scientific Research, 20(9), 1023-1030. Arsanam, P., & Yousapronpaiboon, K. (2014). The relationship between service quality and customer satisfaction of pharmacy departments in public hospitals. International Journal of Innovation, Management and Technology, 5(4), 261-265. Athiyaman, A. (2004). Antecedents and consequences of student satisfaction with university services: A longitudinal analysis. Academy of Marketing Studies Journal, 8(1), 89. Aydin, S., Özer, G., & Arasil, Ö. (2005). Customer loyalty and the effect of switching costs as a moderator variable: A case in the Turkish mobile phone market. Marketing Intelligence & Planning, 23(1), 89-103. Azlan Darus (2016, December 19). Personal Interview. Barling, J., & Zacharatos, A. (2000). High performance safety systems: Ten management practices for creating safe organizations, Manuscript in preparation. Barling, L., Loughlin, C., & Kelloway, K. (2002). Development and test of a model linking safety-specific transformational leadership and occupational safety. Journal of Applied Psychology, 87, 488-496. Barney, J. (1991). Firm resources and sustained competitive advantage. Journal of Management, 17(1), 99-120. Baron, R. M., & Kenny, D. A. (1986). The moderator-mediator variable distinction in social psychological research: conceptual, strategic, and statistical consideration. Journal of Personality and Social Psychology, 51(6), 1173-1182. Barr, N. (2010). Long‐term care: a suitable case for social insurance. Social policy & administration, 44(4), 359-374. Barringer, M. W., Milkovich, G. T., & Mitchell, O. S. (1991). Predicting employee health insurance selections in a flexible benefits environment (CAHRS Working Paper #91-22). Ithaca, NY: Cornell University, School of Industrial and Labor Relations, Center for Advanced Human Resource Studies. Barsky, A. J., & J. F. Borus. (1999). Functional somatic syndromes. Annals of Internal Medicine, 130(11), 910-921. Bashir, M. S., Machali, M. M., & Mwinyi, A. M. (2012). The effect of service quality and government role on customer satisfaction: Empirical evidence of microfinance in Kenya. International Journal of Business and Social Science, 3(14). Bassi, F., & Guido, G. (2006). Measuring customer satisfaction: from product performance consumption experience. Journal of Consumer Satisfaction, Dissatisfaction and Complaining Behavior, 19, 19-76. Bathaee, A. (2011). Culture affects consumer behavior-Theoretical reflections and an illustrative example with Germany and Iran. Diskussionspapier. Bawa, Kapil, & Ghosh, A. (1999). A model of household grocery shopping behavior. Marketing Letters, 10(2), 149–160. Baxter, R. (2009). Reflective and formative metrics of relationship value: A commentary essay. Journal of Business Research, 62(12), 1370-1377. Bellenger, D. N., & Korgaonkar, P. K. (1980). Profiling the recreational shopper. Journal Retailing, 56(3), 77-92. Bennett, R., & Barkensio, A. (2005). Relationship quality, relationship marketing, and client perceptions of the levels of service quality of charitable organizations. International Journal of Service Industry Management, 16(1) 81-106. Berita Harian. (2003, December 17). Perkeso perkenal khidmat e-elektronik. Berita Harian, p.B7. Berita Harian. (2003, September 30). Perkeso bayar RM650j tahun lalu. Berita Harian, p.7. Berk, M., et al. (2012). Psychometric properties of a scale to measure investment in the sick role: the Illness Cognitions Scale. Journal of Evaluation of Clinical Practice, 18(2), 360-364. Berry, L. L., & Parasuraman, A. (1991). Marketing services: Competing through quality. New York, NY: The Free Press. Bingham, L. B., Nabatchi, T., & O'Leary, R. (2005). The new governance: Practices and processes for stakeholder and citizen participation in the work of government. Public administration review, 65(5), 547-558. Bitner, M. J. (1987). Contextual Cues and Consumer Satisfaction: The Role of Physical Surroundings and Employee Behaviours in Service Settings. Unpublished Doctoral Dissertation, University of Washington. Bitner, M. J. (1992). Servicescapes: The impact of physical surroundings on customers and employees. Journal of Marketing, 56(2), 57–71. Bitner, M. J., & Hubbert, A. R. (1994). Encounter satisfaction versus overall satisfaction versus quality. In R. T. Rust & R. L. Oliver (Eds.). Service quality: New directions in theory and practice (pp. 73–94). Thousand Oaks, CA: Sage. Blumentritt, R., & Johnston, R. (1999). Towards a strategy for knowledge management. Technology Analysis & Strategic Management, 11(3), 287-300. Boadway, R., Leite-Monteiro, M., Marchand, M., & Pestieau, P. (2006). Social insurance and redistribution with moral hazard and adverse selection. Scandinavian Journal of Economics, 108(2), 279-298. Bohlen, F.H. (2015). Workmen’s compensation: an address before the law association of Philadelphia. Retrieved from https://books.google.com.my/books/about/WorkmensCompensation.html?id=MUy1nQAACAAJ&redir_esc=y Bollinger, A. S., & Smith, R. D. (2001). Managing organizational knowledge as a strategic asset. Journal of knowledge management, 5(1), 8-18. Bonoli, G. (2005). The politics of the new social policies: providing coverage against new social risks in mature welfare states. Policy & politics, 33(3), 431-449. Boulding, W.A.K., Richard. S., & Zeithaml, V.A. (1993). A dynamic process model of service quality: From expectations to behavioural intentions. Joumal of Marketing Research, 30, 7-27. Brady, M. K., & Cronin, J. J. (2001). Some new thoughts on conceptualizing perceived service quality: A hierarchical approach. Journal of Marketing, 65(3), 34-50. Breslau, J. (2004). Introduction: Cultures of trauma: Anthropological views of posttraumatic stress disorder in International Health. Culture, Medicine and Psychiatry, 28(2), 113-126. Brooks, R.F., Lings, I.N., & Botschen, M.A. (1999). Internal marketing and customer driven wave fronts. Service Industries Journal, 19(4), 49-67. Brown, R.B. (2006). Doing your dissertation in business and management: The reality of researching and writing. London: Sage Publications Limited. Brownson, R. C., Chriqui, J. F., & Stamatakis, K. A. (2009). Understanding evidence- based public health policy. American journal of public health, 99(9), 1576-1583. Bryant, B., Mayou, R., & Lloyd-Bostock, S. (1997). Compensation claims following road accidents: A six year follow-up study. Medicine Science and the Law, 37, 326-336. Brysland, A., & Curry, A. (2001). Service Improvements in public services using SERVQUAL. Managing Service Quality, 11(6), 389-401. Buckman, D. G. (2017). Job Satisfaction: A Study of the Relationship between Right-To-Work Policy and Public School Teachers’ Perceptions. Education Leadership, 49. Cambridge. (2013). English definition. Cambridge. Retrieved from http://dictionary. cambridge.org/dictionary/british/awareness. Cantu´, F.J., Bustani, A., Molina, A., & Moreira, H. (2009). A knowledge-based development model: The research chair strategy. Journal of Knowledge Management, 13(1), 154-170. Cao, H., & Zhang, S. (2010). Analysis of the main interests of agricultural insurance main body based on the perspective of evolutionary game. Agriculture and agricultural Science Procedia, 1, 354-363. Carlsson, S. A., EL Sawy, O.A., Eriksson, I., & Raven, A. (1996). Gaining Competitive Advantage through Shared Knowledge Creation: In Search of a New Design Theory for Strategic Information System. In Proceedings of the Fourth European Conference on Information Systems, Lisbon. Caron, D. J., & Giauque, D. (2006). Civil servant identity at the crossroads: new challenges for Public administrations. International Journal of Public Sector Management, 19(6), 543-555. Carpenter, J. M., & Moore, M. (2006). Consumer demographics, store attributes and retail format choice in the US grocery market. International Journal of Retail and Distribution Management, 34(6), 434-452. Carrin, G., & James, C. (2005). Key performance indicators for the implementation of social health insurance. Applied Health Economics and Health Policy, 4(1), 15-22. Champlain, P., & Anne, R. (2016). Examining the relationship between empathy and compassion fatigue and compassion satisfaction in pediatric nurses (Doctoral Thesis, Dalhousie University). Retrieved from http://dalspace.library.dalca/ handle/10222/72064 Chang, C. S., Chen, S. Y., & Lan, Y. T. (2013). Service quality, trust, and patient satisfaction in interpersonal-based medical service encounters. BMC health services research 13(1), 22. Chen, C. F. (2008). Investigating structural relationships between service quality, perceived value, satisfaction, and behavioral intentions for air passengers: Evidence from Taiwan. Transportation Research Part A: Policy and Practice, 42(4), 709-717. Chetty, R., & Looney, A. (2006). Consumption smoothing and the welfare consequences of social insurance in developing economies. Journal of public economics, 90(12), 2351-2356. Chin, W. W., Marcolin, B. L., & Newsted, P. R. (2003). A partial least squares latent variable modelling approach for measuring interaction effects: Results from a Monte Carlo simulation and an electronic-mail emotion/adoption study. Information Systems Research, 14(2), 189-217. Chiu, C. M., Wang, E. T., Shih, F. J., & Fan, Y. W. (2011). Understanding knowledge sharing in virtual communities: An integration of expectancy disconfirmation and justice theories. Online Information Review, 35(1), 134-153. Chung, H. H., & Wynn, J. P. (2008). Managerial legal liability coverage and earnings conservatism. Journal of Accounting and Economics, 46(1), 135-153. Churchill Jr, G. A., & Surprenant, C. (1982). An investigation into the determinants of customer satisfaction. Journal of marketing research, 491-504. Collier, J. E., & Bienstock, C. C. (2006). Measuring service quality in e-retailing. Journal of ServiceRresearch, 8(3), 260-275. Conway, S.D. (2007). The Think Factory – Managing Today’s Most Precious Resource. John Wiley. Cooper, D. R., & Schindler, P. S. (2008). Business Research Methods (10th Ed.). USA, New York, NY: McGraw-Hill Companies, Ins. Cox, S. R., & Quirk, T. R. (2010). U.S. Patent No. 7,742,937. Washington, DC: U.S. Patent and Trademark Office. Creswell, J. W. (2003). Research design: Qualitative, quantitative, and mixed methods approaches. London: SAGE publications. Crocker, K. J., & Tennyson, S. (2002). Insurance fraud and optimal claims settlement strategies. Journal of Law and economics, 54, 469. Cronin, J. J., & Taylor, S. A. (1992). Measuring service quality: A re-examination and extension. Journal of Marketing, 56(3), 55-68. Cronin Jr, J. J., Brady, M. K., & Hult, G. T. M. (2000).Assessing the effects of quality, value and customer satisfaction on consumer behavioral intentions in service environments Journal of retailing, 76(2), 193-218. Curry, A. (1999). Innovation in public service management. Managing Service Quality, 9(3), 180-190. Dagger, T. S., Sweeney, J. C., & Johnson, L. W. (2007). A hierarchical model of health service quality: scale development and investigation of an integrated model. Journal of Service Research, 10(2), 123-142. Davenport, T. H., & Prusak, L. (1998). Working Knowledge: How Organization Manage What They Know. Boston, MA: Harvard Business School Press. David, W.E., Lisa, J.M., Jean, T.S., Jonathan, M.V., & Tiffani, A.F. (2003). Improving older driver knowledge and self-awareness through self-assessment: The driving decisions workbook. Journal of Safety Research, 34(4), 371-381. Dawes, J. G. (2012). Do data characteristics change according to the number of scale points used? An experiment using 5 point, 7 point and 10 point scales. De la Vega, A.F.R., & Stankosky, M. (2006). Knowledge management and innovation: what must governments do to increase innovation? Journal of Knowledge Management Practice, 7(4). Dembe, A. E., & Boden, L. I. (2000). Moral hazard: a question of morality? New Solutions: A Journal of Environmental and Occupational Health Policy, 10(3), 257-279. Derek, R. A. (2004). Customer satisfaction, research management. ASQ Quality Press, Milwaukee, Wisconsin. Derrig, R. A., & Krauss, L. K. (1994). First steps to fight workers' compensation fraud. Journal of Insurance Regulation, 12(3), 390. Desyllas, P., & Sako, M. (2013). Profiting from business model innovation: Evidence from Pay-As-You-Drive auto insurance. Research Policy, 42(1), 101-116. De Vaus, D.A. (2002). Surveys in social research (5th Ed.). Australia: Allen & Unwin, Crows Nest. (pp: 379). Dhanaraj, C., Lyles, M. A., Steensma, H. K., & Tihanyi, L. (2004). Managing tacit and explicit knowledge transfer in IJVs: the role of relational embeddedness and the impact on performance. Journal of International Business Studies, 35(5), 428-442. Dhir, K.S., & Vinen, D. (2005). Managing corporate respectability: Concept, issues, and policy formulation. Corporate Communications: An International Journal, 10(1), 5-23. Diamantopoulos, A., & Siguaw, J. A. (2006). Formative versus reflective indicators in organizational measure development: A comparison and empirical illustration. British Journal of Management, 17(4), 263-282. Diamantopoulos, A., Riefler, P., & Roth, K. P. (2008). Advancing formative measurement models. Journal of Business Research, 61(12), 1203-1218. Dillman, D. A. (2007). Mail and internet surveys: The tailored design method, second ed. (2nd Ed.). New York: John Wiley & Sons, Inc. Ding, C. (2007). Policy and praxis of land acquisition in China. Land Use Policy, 24(1), 1- 13. Donnelly, M., Kerr, N. J., Rimmer, R., & Shiu, E. M. (2006). Assessing the quality of police services using SERVQUAL. Policing: An International Journal of Police Strategies & Management, 29(1), 92-105. Dourish, P. (1995). Developing a reflective model of collaborative systems. ACM Transactions on Computer-Human Interaction (TOCHI), 2(1), 40-63. Dreher, A., Sturm, J. E., & Ursprung, H. W. (2006). The impact of globalization on the composition of government expenditures: Evidence from panel data. Germany: CESifo Group Munich. Dreher, F., Ash, R., & Bretz, R. (1988). Benefit coverage and employee cost: Critical factors in explaining compensation satisfaction. Personnel Psychology, 41(2), 237-254. Drucker, P. F. (1954). Landmarks of Tomorrow. A Report on the New ‘PostModern’ World. Transaction Publisher London. ISBN 1-56000-622-6. Duodu, F. K., & Amankwah, T. (2011). An Analysis and Assessment of Customer Satisfaction with Service Quality in Insurance Industry in Ghana. Lulea University of Technology. Earl S. Pollack, Deborah Gellerman Keimig, National Research Council (US). Panel on Occupational Safety, & Health Statistics. (1987). Counting injuries and illnesses in the workplace: proposals for a better system. National Academies. Ensign, J., & Gittelsohn, J. (1988). Health and access to care: Perspectives of homeless youth in Baltimore city, USA. Social Science Medicine, 47(12), 2087-2099. Eroglu, S. A., Machleit, K., & Barr, T. F. (2005). Perceived retail crowding and shopping satisfaction: the role of shopping values. Journal of Business Research, 58(8), 1146-1153. Eshghi, A., Roy, S. K., & Ganguli, S. (2008). Service quality and customer satisfaction: empirical investigation in Indian mobile Telecommunications services. Marketing Management Journal, 18(2) 119-144. Esposito Vinzi, V., Trinchera, L., & Amato, S. (2010). PLS path modelling: From foundations to recent developments and open issues for model assessment and improvement. In V. Esposito Vinzi, W.W. Chin, J. Henseler, & H. Wang (Eds.), Handbook of partial least squares: Concepts, methods and applications (pp. 47- Berlin Heidelberg: Springer. Faullant, R., Matzler, K., & Fuller, J. (2008). The impact of satisfaction and image on loyalty: The case of Alpine SKI Resorts. Managing Service Quality, 18(2), 163-178. Fiaza, A., & Shukor, A. (2016). The relationship between service marketing mix, service quality, service value and customer satisfaction in commercial car parking facilities (Doctoral dissertation, Universiti Utara Malaysia). Fick, G. R., & Ritchie, J. R. B. (1991). Measuring service quality in the travel and tourism Industry. Journal of Travel Research, 30(2), 2-9. Fink, A. (2002). How to Sample in Surveys (Volume 7). Thousand Oaks, CA: Sage Publications. Fischer, C. S., Hout, M., Jankowski, M. S., Lucas, S. R., Swidler, A., & Voss, K. (2018). Inequality by design. In The Inequality Reader (pp. 20-24). Routledge. Flint, D. J., & Woodruff, R. B. (2001). The initiators of changes in customers' desired value: results from a theory building study. Industrial Marketing Management, 30(4), 321-337. Flynn, N. (2012). The Social Media Handbook: Rules, Policies, and Best Practices to Successfully Manage Your Organization's Social Media Presence, Posts, and Potential. John Wiley & Sons. Foa, E.B., G. Steketee, & B.O. (1989). Rothbaum, behavioral/cognitive conceptualizations of post-traumatic stress disorder. Behavior Therapy, 20(2), 155-176. Fong, L. H. N., & Law, R. (2013). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). European Journal of Tourism Research, 6(2), 211. Fornell, C., Johnston, M. D., Anderson, E., Cha, J., & Bryant, B. E. (1996). The American customer satisfaction index: Nature, purpose, and findings. Journal of Marketing, 60, 7-18. Fox, E., Montgomery, A., & Lodish, L. (2004). Consumer shopping and spending across retail formats. Journal of Business, 77(2), 25-60. Frimpong, K., & Wilson, A. (2012). Measuring Service Orientation of Service Delivery Employees. La Londe les Maures. France. Gabbe, B. J., et al. (2007). The relationship between compensable status and long-term patient outcomes following orthopedic trauma. Medical Journal of Australia, 187(1), 14-17. Gabbie, O., & O’Neill, M. A. (1996). SERVQUAL and the Northern Ireland hotel sector: A comparative analysis- Part 1. Managing Service Quality, 6(6), 25-32. Gafni, A. (2006). Economic evaluation of health-care programmes: is CEA better than CBA? Environmental & Resource Economics, 34(3), 407-418. Ganesan-Lim, C., Russell-Bennett, R., & Dagger, T. (2008). The impact of service contact type and demographic characteristics on service quality perceptions. Journal of Services Marketing, 22(7), 550-561. Garavan, T. N. (2007). A strategic perspective on human resource development. Advances in Developing Human Resources, 9(1), 11-30. Gary, B. G., & Yae, S. R. (2008). The impact of customization and reliability on customer satisfaction in the U.S. lodging industry. Journal of Quality Assurance in Hospitality & Tourism, 8(3), 60-78. Gay, L. R., & Diehl, P. L. (1992). Research Methods for Business and Management. New York: Macmillan. Gefen, D., Rigdon, E. E., & Straub, D. (2011). Editor's comments: an update and extension to SEM guidelines for administrative and social science research. Mis Quarterly, iii-xiv. Gera, R. (2011). Modelling e-service quality and its consequences in India: A SEM approach. Journal of Research in Interactive Marketing, 5(2/3), 203-225. Giannetti, P. (2013). Failing to disclose prior injuries or medical treatment. Retrieved from https://www.comp7777.com/workers-compensation/failing-to-disclose-prior injuries - or medical-treatment/ Gomez, M. I., McLaughlin, E. W., & Wittink, D. R. (2004). Customer satisfaction and retail sales performance: an empirical investigation. Journal of retailing, 80(4), 265-278. Gowan, M., Seymour, J., Ibarreche, S., & Lackey, C. (2001). Service quality in a public agency: same expectations but different perceptions by employees, managers, and customers. Journal of Quality Management, 6, 275-291. Graham, J. (1994). An essay of organizational citizenship behavior. Journal of Employee Responsible Rights, 4, 249-270. Grant, R. M. (1996a). Prospering in dynamically-competitive environments: organizational capability as knowledge integration. Organization Science, 7(4), 375-387. Grant, R. M. (1996b). Toward a knowledge‐based theory of the firm. Strategic Management Journal, 17(S2), 109-122. Green, P., & Iverson, G. L. (2001). Effects of injury severity and cognitive exaggeration on olfactory deficits in head injury compensation claims. Neuro Rehabilitation, (4), 237- 243. Grewal, D., Baker, J., Levy, M., & Voss, G. B. (2003). The Effects of Wait Expectations and Store Atmosphere Evaluations on Patronage Intentions in Service-Intensive Retail Stores. Journal of Retailing, 79(4), 259-268. Grewal, D., Gotlieb, J., & Marmorstein, H. (2000). The moderating effect of the service context on the relationship between price and post-consumption perceptions of service quality. Journal of Business and Psychology, 14(4), 579-591. Grindle, M. (2010). Social policy in development: coherence and cooperation in the real world. Gronroos, C. (1982). Strategic Management and Marketing in Service Sector, Marketing Science Institute, Cambridge, MA. Grossi, P., Kunreuther, H., & Windeler, D. (2005). An introduction to catastrophe models and insurance. In Catastrophe modeling: A new approach to managing risk (pp. 23-42). Springer, Boston, MA. Guesalaga, R., & Pitta, D. (2014). The importance and formalization of service quality dimensions: a comparison of Chile and the USA. Journal of Consumer Marketing, 31(2), 145-151. Gunn, C. M., Freund, K. M., Kaplan, S. A., Raj, A., & Carr, P. L. (2014). Knowledge and perceptions of family leave policies among female faculty in academic medicine. Women Health Issues, 24(2), 205-210. Haenlein, M., & Kaplan, A. M. (2004). A beginner’s guide to partial least squares analysis. Understanding Statistics, 3(4), 283-297. Hair, J. F., Money, A. H., Samouel, P., & Page, M. (2007). Research Methods for Business. USA, West Sussex: John Wiley & Sons. Hair, J. F., Sarstedt, M., Ringle, C. M., & Mena, J. A. (2012). An assessment of the use of partial least squares structural equation modelling in marketing research. Journal of the Academy of Making Science, 40(3), 414-433. Hall, A. (2006). From Fome Zero to Bolsa Família: social policies and poverty alleviation under Lula. Journal of Latin American Studies, 38(4), 689-709. Hallowell, R., Schlesinger, L. A., & Zornitsky, J. (1996). Internal service quality, customer and job satisfaction: Linkages and implications for management. Human Resource Planning, 19(2). Hamed, F.H.O., Kamarudin, S., & Kamaruzziman, S. (2015). Determining the influence of the reliability of service quality on customer satisfaction: The case of Libyan E-commerce customers. International Journal of Learning & Development, 5(1), 86-88. Hanberger, A. (2001). What is the policy problem? Methodological challenges in policy evaluation. Evaluation, 7(1), 45-62. Hansen, B. O., Hougaard, J. L., Keiding, H., & Østerdal, L. P. (2004). On the possibility of a bridge between CBA and CEA: comments on a paper by Dolan and Edlin. Journal of Health Economics, 23(5), 887-898. Hansen, M. T., Nohria, N., & Tierney, T. (1999). What’s your strategy for managing knowledge? The Knowledge Management Yearbook 2000–2001, 1-10. Harrington, S. E. (2004). Tort liability, insurance rates, and the insurance cycle. Brookings-Wharton Papers on Financial Services, 2004(1), 97-138. Harris, I., et al. (2005). Association between compensation status and outcomes. Journal of the American Medical Association, 293, 1644-1652. Harris, O.A., Bruce, C.A., Reid, M., Cheeks, R., Easley, K., Surles, M.C., Pan, Y., Rhoden-Salmon, D., Webster, D., & Crandon, I. (2008). Examination of the management of traumatic brain injury in the developing and developed world: focus on resource utilization, protocols, and practices that alter outcome. Journal of Neurosurgery, 109(3), 433-438. Hartley, J., Butler, M. J., & Benington, J. (2002). Local government modernization: UK and comparative analysis from an organizational perspective. Public Management Review, 4(3), 387-404. Hasher, L., & Zacks, R. T. (1979). Automatic and effortful processes in memory. Journal of Experimental Psychology: General, 108(3), 356-388. Head, B. W. (2008). Three lenses of evidence‐based policy. Australian Journal of Public Administration, 67(1), 1-11. Heath, R. L., & Palenchar, M. J. (2008). Strategic issues management: Organizations and public policy challenges. Sage Publications. Heckman, J. J. (2010). Building bridges between structural and program evaluation approaches to evaluating policy. Journal of Economic literature, 48(2), 356-98. Heneman, H. G., & Schwab, D. P. (1985). Pay satisfaction: its multidimensional nature and measurement. International Journal of Psychology, 20 (2), 129‐41. Henseler, J., Ringle, C.M, & Sinkovics, R.R. (2009). The use of partial least squares path modelling in international marketing. New Challenges to International Marketing Advances in International Marketing, 20, 277-319. Hertenstein, J.H., & Platt, M.B. (2000). Performance measures and management control in new product development. Accounting horizons, 14(3), 303-323. Hoe-Lian Goh, D., Yeow-Kuan Chua, A., Luyt, B., & Sian Lee, C. (2008).Knowledge access, creation and transfer in e-government portals. Online Information Review, 32(3), 348-369. Hovland, C., Harvey, O., & Sherif, M. (1957). Assimilation and contrast effects in reaction to communication and attitude change. Journal of Abnormal and Social Psychology, 55(7), 244-252. Hsu, S.-H., Chen, W.-H., & Hsueh, J.-T. (2006). Application of customer satisfaction study to derive customer knowledge. Total Quality Management, 17(4), 439-454. Hu, H. H., Kandampully, J., & Juwaheer, T. D. (2009). Relationships and impacts of service quality, perceived value, customer satisfaction, and image: an empirical study. The Service Industries Journal, 29(2), 111-125. Huber, F., Herrmann, A., & Morgan, R. E. (2001). Gaining competitive advantage through customer value oriented management. Journal of Consumer Marketing, 18(1), 41-53. Huber, G. P. (1991). Organizational Learning: The Contributing Process and the Literatures. Organization Science, 2(1), 88-115. Hui-Nee, A. (2014). Safety culture in Malaysian workplace: an analysis of occupational accidents. Health and Environment Journal, 5(3), 32-43. Hulka, B. S., Kupper, L. L., Daly, M. B., Cassel, J. C., & Schoen, F. (1975). Correlates of satisfaction and dissatisfaction with medical care: a community perspective. Medical Care, 13(8), 648-658. Hulka, B. S., Zyzanski, S. J., Cassel, J. C., & Thompson, S. J. (1971). Satisfaction with medical care in a low income population. Journal of Chronic Diseases, 24(10), 661-673. Husereau, D., Drummond, M., Petrou, S., Carswell, C., Moher, D., Greenberg, D. ... & Loder, E. (2013). Consolidated health economic evaluation reporting standards (CHEERS) statement. Cost Effectiveness and Resource Allocation, 11(1), 6. Hussen, S. (2015). Service quality, customers’ satisfaction and loyalty: A study on insurance companies in Adama, Ethiopia. European Journal of Business and Management, 7(4), 269-275. Iberahim, H., Taufik, N. M., Adzmir, A. M., & Saharuddin, H. (2016). Customer satisfaction on reliability and responsiveness of Self Service Technology for retail banking services. Procedia Economics and Finance, 37, 13-20. Ibrahim, S. A., & Aliyu, A. A. (2013). Knowledge, attitude, perception and clients’ satisfaction with national health insurance scheme (NHIS) services of general hospital, Minna-Niger state-Nigeria. 13th World Congress on Public Health, Addis Ababa, Ethopia. International Labour Organization. (1996). Recording and notification of occupational accidents and disease. International Labour Office Geneva. Retrieved from http://www.ilo.org/wcmsp5/groups/public/---ed_protect/---protrav/safework/documents/normativeinstrument/wcms_107800.pdf International Labour Organization. (2012). World Social Security Report. Irani, F. N. H. A., & Noruzi, M. R. (2011). Looking on policy and social policy in the context of public administration and management. Journal of public Administration and Governance, 1(1), 106-114. Ishak, M. S., & Jasni, M. F. M. G. (2012). The study on the awareness towards social security among employees in Tesco Peringgit Melaka. Iskandar, T. M., Rahmat, M. M., & Ismail, H. (2010). The relationship between audit client satisfaction and audit quality attributes: Case study of Malaysia listed companies. Journal of Economic and Management, 4(1), 155-180. Ismail, A., Ahmad, A. R., Rose, N. I. R., Abdullah, M. M., Rahman, M. S., & Francis, S. K. (2013). Examining the relationship between service quality and customer satisfaction in military peacekeeping missions. Journal of Industrial Engineering and Management, 6(2), 654-667. Ismail, A., Abdullah, M. M., & Francis, S. K. (2009a). Exploring the relationships among service quality features, perceived value and customer satisfaction. Journal of Industrial Engineering and Management, 2(1), 230-250. Ismail, A., Alli, N., Abdullah, M. M., & Parasuraman, B. (2009b). Perceive value as a moderator on the relationship between service quality features and customer satisfaction. International Journal of Business & Management, 4(2), 71-79. Jamil, R., & Wei, W. F. (2015). Leading change in Social Security Organization (SOCSO). The International Journal of Innovation and Business Strategy, 4(1), 6-13. Jencks, C. (1992). Rethinking social policy: Race, poverty, and the underclass. Jeon, H., & Choi, B. (2012). The relationship between employee satisfaction and customer satisfaction. Journal of Services Marketing, 26(5), 332-341. Johnson, M. D., Gustafsson, A., Andreassen, T. W., Lervik, L., & Cha, J. (2001). The evolution and future of national customer satisfaction index models. Journal of economic Psychology, 22(2), 217-245. Johnston, R. (1997). Identifying the critical determinants of service quality in retail banking: importance and effect. International Journal of Bank Marketing, 15(4), 111-116. Jones, T.O, & Sasser, W.T. (1995). Why satisfied customers defect. Harvard Business Review, 73, 88-99. Juggessur, J. (2009). Luxury Designer Handbag or Counterfeit? An Investigation into the Antecedents Influencing Women’s Purchasing Behaviour of Luxury Designer and Counterfeit Brands. Brunel Business School, Brunel University. Kabir, H. (2011, February 16). SOCSO shortcoming private sector: too much red tape making it nearly impossible for employees to be adequately compensated. The Malaysia Today. Retrieved from https://www.google.com/webhp?sourceid= chrome-instant&ion= 1&espv=2&ie=UTF -8#q=socso+claim+process+delay Karger, H. J., & Stoesz, D. (2013). American social welfare policy: A pluralist approach (brief edition). Pearson. Karjoth, G., Schunter, M., & Waidner, M. (2002, April). Platform for enterprise privacy practices: Privacy-enabled management of customer data. In International Workshop on Privacy Enhancing Technologies (pp. 69-84). Springer, Berlin, Heidelberg. Karto, D., & Peng, T. K. (1986). Social security in Malaysia. ASEAN Economic Bulletin, 3(1), 70-91. Kasturi, R. (2006). Performance management in Insurance Corporation. Journal of Business Administration Online, 5(1). Keppel, G., Saufley, W.H., & Tokunaga, H. (1992). Introduction to design and analysis a student’s handbook (2nd Ed.). New York, NY: Freeman. Kersnik, J. (2001). Determinants of customer satisfaction with the health care system, with the possibility to choose a personal physician and with a family doctor in a transition country. Health Policy, 57(2), 155-164. Kim, I. S., Yu, H. H., & Han, H. S. (2002). Effects of nutrition knowledge, dietary attitude, dietary habits and life style on the health of college students in the Chungnam area. Korean Journal of Community Nutrition, 7(1), 45-57. Kim, M. K., Park, M. C., & Jeong, D. H. (2004). The effects of customer satisfaction and switching barrier on customer loyalty in Korean mobile telecommunication services. Telecommunications Policy, 28(2), 145-159. Kim, S. S., Kaplowitz, S., & Johnston, M. V. (2004). The effects of physician empathy on patient satisfaction and compliance. Evaluation & the Health Professions, 27(3), 237-251. Kogut, B., & Zander, U. (1992). Knowledge of the firm, combinative capabilities, and the replication of technology. Organization Science, 3(3), 383-397. Kopp, R. J., Eng, R. J., & Tigert, D. J. (1989). A competitive structure and segmentation analysis of the Chicago Fashion Market. Journal of Retailing, 65(Winter), 496- 515. Krejcie, R. V., & Morgan, D. W. (1970). Determining sample size for research activities. Educational and Psychological Measurement, 30(3), 607-610. Krosnick, J. A., & Fabrigar, L. R. (1997). Designing rating scales for effective measurement in surveys. Survey Measurement and Process Quality, 141-164. Kunreuther, H. C., & Michel-Kerjan, E. O. (2007). Climate change, insurability of large- scale disasters and the emerging liability challenge (No. w12821). National Bureau of Economic Research. Kuo, Y. F. (2003). A study on service quality of virtual community web sites. Total Quality Management, 14(4), 461-473. Kwanga, C. F. (2015). Compensation of personal injury resulting from road traffic accidents in Cameroon: a critical analysis. Commonwealth Law Bulletin, 2, 271-303. LaBarbera, P. A., & Mazursky, D. (1983). A longitudinal assessment of customer satisfaction, dissatisfaction: The dynamic aspect of cognitive process. Journal of Marketing Research, 20, 393-404. Ladhari, R. (2009). A review of twenty years of SERVQUAL research. International Journal of Quality and Service Sciences, 1(2), 172-198. Larsen, D. L., Attkisson, C. C., Hargreaves, W. A., & Nguyen, T. D. (1972). Assessment of client/patient satisfaction: Development of a general scale. Evaluation and Program Planning, 2, 197-207. Laws of Malaysia. (2006). Employees’ Social Security Act 1969. The Commisioner of Law Revision, Malaysia under the Authority of the Revision of Laws Act 1968 in Collaboration with Malayan Law Journal Sdn Bhd and Percetakan Nasional Malaysia Bhd. Lee, G. G., & Lin, H. F. (2005). Customer perceptions of e-service quality in online shopping. International Journal of Retail & Distribution Management, 33(2), 161-176. Lee, H., Lee, Y., & Yoo, D. (2000). The determinants of perceived service quality and its relationship with satisfaction. Journal of Service Marketing, 14(3), 217-231. Leedy, P. D., & Ormrod, J. E. (2005). Practical research: Planning and design (8th Ed.). Upper Saddle River, NJ: Prentice Hall. Levitt, T. (1981). Marketing intangible products and product intangibles. Harvard Business Review, 59(3), 94–102. Levy, S., & Schady, N. (2013). Latin America’s social policy challenge: education, social insurance, redistribution. Journal of Economic Perspectives, 27(2), 193-218. Lewis, B. R. (1989). Quality in the service sector: A review. International Journal of Bank Marketing, 7(5), 4-12. Lewis, B. R. (1993). Service quality measurement. Marketing Intelligence & Planning, 11(4), 4-12. Liang, X., & Zhang, S. (2009). Investigation of customer satisfaction in student food service: An example of student cafeteria in NHH. International Journal of Quality and Service Sciences, 1(1), 113-124. Libman, R. M. (1999). U.S. Patent No. 5,987,434. Washington, DC: U.S. Patent and Trademark Office. Lloyd-Walker, B., & Cheung, Y.P. (1998). IT to support service quality excellence in the Australia banking industry. Managing Service Quality, 8, 350-358. Long, M., & McMellon, C. (2004). Exploring the determinants of retail service quality on the Internet. Journal of Services Marketing, 18(1), 78-90. Lowry, P. B., & Gaskin, J. (2014). Partial least squares (PLS) structural equation modelling (SEM) for building and testing behavioral causal theory: When to choose it and how to use it. IEEE Transactions on Professional Communication, 57(2), 123-146. Luk, T. K., & Layton, R. (2002). Perception gaps in customer expectations: Managers versus service providers and customers. The Service Industries Journal, 22(2), 109-128. Machleit, K. A., Eroglu, S. A., & Mantel, S. P. (2000). Perceived retail crowding and shopping satisfaction: what modifies this relationship? Journal of Consumer Psychology, 9(1), 29-42. Mahfooz, Y. (2014). Relationship between service quality and customer satisfaction in hypermarkets of Saudi Arabia. International Journal of Marketing Studies, 6(4), 10-22. Mamilla, R., Jonardhana, G., & Anjan, B.G. (2013). Customer satisfaction on reliability dimension of service quality in Indian higher education. International Journal of Social, Behavioral, Educational, Economic, Business and Industrial Engineering, 7(12), 3210-3215. Marakas, G., Johnson, R. D., & Clay, P. F. (2008). Formative vs. reflective measurement: A reply to Hardin, Chang, and Fuller. Journal of the Association for Information Systems, 9(9), 2. Marc, A. L., & McDaniel, J. R. (1993). Real estate brokerage service quality: an examination. The Journal of Real Estate Research, 9(3), 339-351. Marmot, M., Friel, S., Bell, R., Houweling, T. A., Taylor, S., & Commission on Social Determinants of Health. (2008). Closing the gap in a generation: health equity through action on the social determinants of health. The lancet, 372(9650), 1661-1669. Mason, N. (1996). Store Loyalty – That Old Chestnut, Nielsen Research, Oxford, 6-15. Maurya, V. N., Jaggi, C. K., Singh, B., Arneja, C. S., Maurya, A. K., & Arora, D. K. (2014).Empirical analysis of work life balance policies and its impact on employee’s job satisfaction and performance: Descriptive statistical approach. AmericanJournal of Theoretical and Applied Statistics, 2-1. McCarthy, Y. (2011). Behavioural characteristics and financial distress. McDonald, L. M., & Rundle-Thiele, S. (2008). Corporate social responsibility and bank customer satisfaction: a research agenda. International Journal of Bank Marketing, 26(3), 170-182. McDougall, G., & Leversque, T. (2000). Customer satisfaction with services: putting perceived value into the equation. Journal of Service Marketing, 14(5), 392-410. McGoldrick, P. J., & Andre, E. (1997). Consumer misbehaviour: promiscuity or loyalty in grocery shopping. Journal of Retailing and Consumer Services, 4(2), 73-81. McQueen, R. (1998). Four Views of Knowledge and Knowledge Management, in Proceedings of the Fourth Americas Conference on lnformation Systems. E. Hoadley and I. Benbasat (eds.), Baltimore, MD, pp. 609-611. Mentzer, J. T., Bienstock, C. C., & Kahn, K. B. (1995).Benchmarking satisfaction. Marketing Management, 4(1), 40–6. Merican, R. M. B. A. R. (2010). Employees' Rights under the Malaysian Social Security Organisation. Journal of Politics and Law, 3(1), 24-41. Mey, L. P, Akhbar, A. K., & David Yong, G.F. (2008). Measuring service quality and customer satisfaction in hotels: Malaysian hotels. Quest for Excellent, July-December, 10-19. Miller, H. (1961). Accident neurosis. British Medical Journal, 5230, 919-925. Miremadi, A., Ghalamkari, S., & Sadeh, F. (2011). Customer satisfaction in port industry: A case study of Iranian shipping. International Conference on Sociality and Economics Development, 10, 58-62. Mogambi, J. A., Mburu, C., & Kinyua, R. (2014). Can workplace accidents classification and compensation in Kenya be used to predict level of victims’ satisfaction? International Journal of Innovation and Applied Studies, 6 (4), 972-986. Mohamad Hasim, H. (2015). The Development of an actuarial approach to calculate damages for loss of future earnings. Law, Probability and Risk, 15(2), 95-106. Mohammed, S., Sambo, M. N., & Dong, H. (2011). Understanding client satisfaction with a health insurance scheme in Nigeria: factors and enrollees experiences. Health Research Policy and Systems, 9(1), 1-20. Monroe, K.B. (2003). Pricing: Making Profitable Decisions, 3rd ed., McGraw- Hill/Irwin, Burr Ridge, IL. Moore, C. D. (1987). Outclass the competition with service distinction. Mortgage Banking, 47(11). Morganosky, M. A. (1995). Consumer patronage of manufacturers’ outlets. Clothing and Textiles Research Journal, 13(4), 273-9. Mossberger, K., & Wolman, H. (2003). Policy transfer as a form of prospective policy evaluation: Challenges and recommendations. Public Administration Review, 63(4), 428-440. Muthiah, V. (2004). SOCSO ‘must redeem image’. The Star Online. Retrieved from http://www.thestar.com.my/news/nation/2004/05/12/socso-must-redeem-image/ Ndubisi, O. N., Malhotra, M. K., & Chan, K. W. (2009). Relationship marketing customer satisfaction and loyalty: a theoretical and empirical analysis from an Asian perspective. Journal of International Consumer Marketing, 21(5), 5. Nebo, G. N., & Okolo, V. O. (2016). Effects of the strategies for customer satisfaction on the performance of insurance firms in Enugu Metropolis. Journal of Business and Management, 18(5), 78-90. Negash, S., Ryan, T., & Igbaria, M. (2003). Quality and effectiveness in web-based customer support systems. Information & Management, 40(8), 757-768. Negi, R. (2009). Determining customer satisfaction through perceived service quality: A study of Ethiopian mobile users. International Journal of Mobile Marketing, 4(1), 31-38. Nelson, R. R., & Winter, S. G. (1982). An Evolutionary Theory of Economic Change. Cambridge: Harvard University Press. in Darroch, J.(2003b). Developing a measure of knowledge management behaviors and practices. Journal of Knowledge Management, 7(5), 41-54. Nguyen, H., & Knowles, J. (2010). Demand for voluntary health insurance in developing countries: the case of Vietnam’s school-age children and adolescent student health insurance program. Social Science & Medicine, 71(12), 2074-2082. Nguyen, H. T., Nguyen, H., Nguyen, N. D., & Phan, A. C. (2018). Determinants of Customer Satisfaction and Loyalty in Vietnamese Life-Insurance Setting. Sustainability, 10(4), 1151. Nicholson, C., & Amin, N. (2013). Reforming motor accident compensation scheme: a no-fault liability option for Malaysia. Malayan Law Journal Articles, 4, 1-12. Nidhi, & Kumari, K. (2016). Pay related factors affecting employee pay perception. International Journal of Pure and Applied Management Sciences, 1(2), 9-14. Nishikitani, M., & Yano, E. (2008). Differences in the lethality of occupational accidents in OECD countries. Safety Science, 46(7), 1078-1090. Nitin, S., Deshmukh, S. G. & Vrat, P. (2005). Service quality Models: A review. International Journal of Quality and Reliability Management, 22(9), 913-949. Noe, R., Hollenbeck, J., Gerhart, B., & Wright, P. (2006). Human Resources Management: Gaining a Competitive Advantage, Tenth Global Edition. McGraw-Hill Education. Nonaka, I. (1994). A dynamic theory of organizational knowledge creation. Organization Science, 5(1), 14-37. Nonaka I., & Takeuchi, M. (1995). The knowledge creating company: how Japanese companies create the dynamics of innovation. Oxford: The Oxford University Press. Noor, A. M., & Rahman, M. A. H. B. A. (2016). Cooperative Takaful for Non-Banking Financial Institutions: Islamization of SOCSO in the case of Malaysia. Intellectual Discourse, 24. Nooteboom, B. (1999). Innovation, learning and industrial organization. Cambridge Journal of Economics, 23(2), 127-150. Norman-Major, K. (2011). Balancing the Four E s; or Can We Achieve Equity for Social Equity in Public Administration? Journal of Public Affairs Education, 17(2), 233-252. Normand, C., & Busse, R. (2002). Social health insurance financing. Funding health care: options for Europe, 59. Nwachukwu, C., & Žufan, P. (2017). Influence of customer focused mission statement on customer satisfaction. Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis, 65(3), 1031-1038. Occupational Safety Health Act 1994 and Regulations (2007). (14th ed.)). Ulu Kelang, Kuala Lumpur: MDC Publishers Sdn. Bhd. O'Connor, S. J., Trinh, H. Q., & Shewchuk, R. M. (2000). Determinants of service orientation among medical students. Advances in Health Care Management, 1, 217–249. Oliver, R. L. (1980). A cognitive model of the antecedents and consequences of satisfaction decisions. Journal of marketing research, 460-469. Oliver, R. L. (1993). A conceptual model of service quality and service satisfaction: Compatible goals, different concepts. In Swartz, T.A., Bowen, D.E., & Brown, W. (Eds). Advances in services marketing and management, 2, 65-85. Oliver, R. L. (1989). Processing of the satisfaction response in consumption: A suggested framework and research prepositions. Journal of Consumer Satisfaction, Dissatisfaction, and Complaining Behavior, 2, 1-16. Oliver, R. L. (1997). Satisfaction: A behavioral perspective on the consumer. McGraw- Hill, New York, NY. Oliver, R. L. (1980). Theoretical Bases of Consumer Satisfaction Research: Review, critique, and future direction. In C. Lamb & P. Dunne (Eds), Theoretical Developments in Marketing (pp.206-210). Chicago: American Marketing Association. Olorunniwo, F., Hsu, M. K., & Udo, G. J. (2006). Service quality, customer satisfaction, and behavioral intentions in the service factory. Journal of services marketing, 20(1), 59- 72. Ooi, K. B., Teh, P. L., & Chong, A. Y. L. (2009). Developing an integrated model of TQM and HRM on KM activities. Manage. Res. News. 32(5), 477- 490. Osman, Z., & Sentosa, I. (2013). Mediating effect of customer satisfaction on service quality and customer loyalty relationship in Malaysia rural tourism. International Journal of Economics Business and Management Studies, 2(1), 25-37. Al Otaibi, N. M. (2014). Mediating role of customer satisfaction on service quality and customer loyalty in grocery store in in shopping malls in Saudi Arabia. (Doctoral Thesis, Universiti Utara Malaysia). Ouyung, Y. (2010). A relationship between the financial consultant’s service quality and customer trust after financial tsunami. International Research Journal of Finance and Economics, 36, 76-86. Owsley, C., Stalvey, B.T., & Phillips, J.M (2003). The efficacy of an educational intervention in promoting self-regulation among high-risk older drivers. Accident Analysis & Prevention, 35(3), 393-400. Pan, S. L., & Scarbrough, H. (1999). Knowledge management in practice: An exploratory case study. Technol. Anal. Strat. Manage, 11(3), 359- 374. Pandey, A. C., & Kumar, P. (2013). Impact of lifestyle on brand perceivedference of buyer behaviour. International Monthly Refereed Journal of Research in Management & Technology, 11(August), 151-163. Pandey, S. K. (2015). Customer complaining behavior and its consequences in the credit card industry: an empirical investigation in the developing Indian economy. International Journal of Indian Culture and Business Management, 11(1). Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1985). A conceptual model of service quality and its implication. Journal of Marketing, 49, 41-50. Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1988). SERVQUAL: a multiple-item scale for measuring consumer perceptions of service quality. Journal of Retailing, 64(1), 12- 40. Parasuraman, A., Zeithaml, V. A., & Malhotra, A. (2005). ES-QUAL: A multiple-item scale for assessing electronic service quality. Journal of service research, 7(3), 213-233. Peleckiene, V., & Peleckis, K. (2011). Improvement of compensation procedures of victims in road traffic accidents. Transbaltica, 159-165. Pemberton, J. D., & Stonehouse, G. H. (2000). Organizational learning and knowledge assets, an essential partnership. The Learning Organization. 7(4), 184-194. Penrose, E. T. (1959). The Theory of the Growth of the Firm. New York: John Wiley & Sons. Peyton, R. M., Pitts, S., & Kamery, R. H. (2003, July). Consumer satisfaction/dissatisfaction (CS/D): a review of the literature prior to the 1990s. In Allied Academies International Conference. Academy of Organizational Culture, Communications and Conflict. Proceedings (Vol. 8, No. 2, p. 41). Jordan Whitney Enterprises, Inc. Pollack, L. B. (2009). Linking the hierarchical service quality model to customer satisfaction and loyalty. Journal of Services Marketing, 23(1), 42-50. Prakash, P. (2012). Risk attitudes: Expected utility theory and demand for hedging. Virginia Commonwealth University. Retrieved from https://saylordotorg.github.io/text risk-management-for-enterprises–and-individuals/s07-risk-attitudes expected utilit.html Priyasekara, A. R. R. (2013). Compensation system for road traffic accident victims (Doctoral dissertation, University of Moratuwa Sri Lanka). Pule, S., Mwesigye, J., Kanyangabo, E., & Mbago, R. (2014). Human resource policy and job satisfaction of employees in Knowledge-based enterprises: A comparative study of the Indigenous and expatriate teaching staffs of Kampala International University, Uganda. Global Journal of Human Resource Management, 2(3),13- 27. Rabaa'i, A. A., & Gable, G. G. (2012). IS service quality as a multi-dimensional formative construct? In Proceedings of the 16th Pacific Asia Conference on Information Systems (PACIS 2012). Rahimi, G. R., & Noruzi, M. R. (2011). A brief look on policy, typology of policy, and its related affairs. International Journal of Business and Social Science, 2(11). Rajan, D. K. S., Aziz, F. S. A., & Manab, N. A. (2018). Service quality of social insurance industry and customer satisfaction from Malaysian perspective: customer knowledge as moderator. International Academic Research Journal of Business and Technology, 4(1), 1-7. Rashid, M., Hassan, M. K., & Ahmad, A. U. F. (2009). Quality perception of the customers towards domestic Islamic banks in Bangladesh. Journal of Islamic Economics, Banking and Finance, 5(1), 109-131. Ray, G., Muhanna, W. A., & Barney, J. B. (2005). Information technology and the performance of the customer service process: A resource-based analysis. MIS Quarterly, 625-652. Raza, M. A., Siddiquei, A. N., Awan, H. M., & Bukhari, K. (2012). Relationship between service quality, perceived value, satisfaction and revisit intention in hotel industry. Interdisciplinary Journal of Contemporary Research in Business, 4 (8), 788-805. Reber, A. S. (1993). Implicit learning and tacit knowledge. New York: Oxford University Press. Rendo, A., & Schrefler, L. (2007). Compensation of victims of cross-border road traffic accidents in the EU. Note of the European Parliament. Richards, K., Campenni, C., & Muse-Burke, J. (2010). Self-care and well-being in mental health professionals: The mediating effects of self-awareness and mindfulness. Journal of Mental Health Counseling, 32(3), 247-264. Riege, A., & Lindsay, N. (2006). Knowledge management in the public sector: stakeholder partnerships in the public policy development. Journal of Knowledge Management, 10(3), 24-39. Ringle, C., Wende, S., & Will, A. (2005). SmartPLS 2.0 (Beta). Hamburg. Rogg, K. L., Schmidt, D. B., Shull, C., & Schmitt, N. (2001). Human resource practices, organizational climate, and customer satisfaction. Journal of Management, 27(4), 431-449. Rohaizat, B. Y., Hassan, M. O. N. M., & Davis, J. (2012). Approaches and future directions of social security system: Malaysian perspective. Malaysia Journal of Public HealthMedicine, 12(1), 1-13. Rooshida, M. A. R. M. (2010). Employees’ rights under the Malaysian Social Security Organization. Journal of Politics and Law, 3(1), 24-42. Rowley, J. (1998). Quality measurement in the public sector: Some perspectives from the service quality literature. Total Quality Management, 9(2/3), 321-333. Rothstein, H., Huber, M., & Gaskell, G. (2006). A theory of risk colonization: The spiralling regulatory logics of societal and institutional risk. Economy and Society, 35(1), 91-112. Roy, S., Tarafdar, M., Ragu-Nathan, T. S., & Erica, M. (2012). The Effect of Misspecification of Reflective and Formative Constructs in Operations and Manufacturing Management Research. Electronic Journal of Business Research Methods, 10(1). Ruser, J. (1985). Workers’ compensation insurance, experience rating and occupational injuries. Rand Journal of Economics, 1, 487-503. Rust, R. T., & Oliver, R. W. (1994). The death of advertising. Journal of Advertising, 23(4), 71-77. Ruyter, K. (1997). Measuring service quality and service satisfaction: an empirical test of an integrative model. Journal of Economic Psychology, 18, 387-406. Ruyter, K., & Bloemer, J. (1997). Evaluating health care service quality: the moderating role of knowledge. Journal of Consumer Satisfaction, Dissatisfaction and Complaining Behavior, 10, 43-50. Saad, M. A. M. (2015). The antecedents and consequences of service quality in the health insurance industry in Saudi Arabia (Doctoral Thesis. Universiti Utara Malaysia). Retrieved from http://etd.uum.edu.my/5440/ Saager, A., Rafat, S., & Agarwal, P. (2012). Identification of variables affecting employee satisfaction and their impact on the organization. Journal of Business and Management, 5(1), 32-39. Saeong, W., Thompiwat, K., & Princharnkul, P. (2012). A study of level of knowledge, attitude and satisfaction of patient towards the health insurance card at Takuapa Hospital, Phang Nga province. International Conference on Learning Innovation in Science and Technology. Saglik, E., Gulluce, A., Kaya, U., & Ozhan, C. (2014). Service quality and customer satisfaction relationship: A research in erzurum ataturk university refectory. American International Journal of Contemporary Research, 4(1), 100-117. Sahara, M. S., Mohamad, M., Hussin, H., Jamaludin, M. F., & Adzahar, A. (2018). A study on relationship between customers demand and customers perception on transition of SOCSO as Shariah compliance organization. International Journal of Supply Chain Management, 7(5), 617-620. Sahney, S., Banwet, D. K., & Karunes, S. (2004). A SERVQUAL and QFD approach to total quality education: A student perspective. International Journal of Productivity and Performance Management, 53(2), 143 – 166. Salkind, N.J. (1997). Exploring research (3rd Ed.). Upper Saddle River, NJ: Prentice Hall. Sampson, S., & Tigert, D. (1992).The impact of warehouse membership clubs: the wheel of retailing turns one more time. International Review of Retail, Distribution and Consumer Research, 4(1), 33-58. Santouridis, I., & Trivellas, P. (2010). Investigating the impact of service quality and customer satisfaction on customer loyalty in mobile telephony in Greece. The TQM Journal, 22(3), 330-343. Saravanan, R., & Rao, K. S. P. (2007). Measurement of service quality from the customer’s perspective – An empirical study. Total Quality Management, 18(4), 435-449. Sasikala. (2013). Impact of demographics on service quality, customer satisfaction and loyalty in the Indian banking in Vellore district. Asia Pacific Journal of Marketing and Management Review, 2(6), 102-112. Saunders, M., Lewis, P., & Thornhill, A. (2009). Research methods for business (5th ed.). India: Pearson Education. Schneider, B., Parkington, J. J., & Buxton, V. M. (1980). Employee and customer perceptions of service in banks. Administrative Science Quarterly, 25, 252–267. Schwartz, G.T. (1993). Waste, fraud, and abuse in workers’ compensation: the recent Californkia experience. Maryland Law Review, 52(4), 983-1015. Scruggs, L., & Allan, J. P. (2006). The material consequences of welfare states: benefit generosity and absolute poverty in 16 OECD countries. Comparative Political Studies, 39(7), 880-904. Sekaran, U. (2003). Research Methods For Business: A Skill Building Approach (4th Ed.). New York: John Wiley & Sons. Sekaran, U. (2000). Research method for business: A skill building approach. John Wiley and Sons, Inc. Sekaran, U., & Bougie, R. (2013). Research methods for business: A skill building approach (5th Ed.). India: Wiley. Selvakumar, J .J. (2015). Impact of service quality on customer satisfaction in public sector and private sector banks. Purushartha, 8(1), 1-11. Sen, A. (2017). Collective choice and social welfare: Expanded edition. Penguin UK. Shavell, S. (2000). On the social function and regulation of liability insurance. The Geneva Papers on Risk and Insurance, 25(2), 166-179. Sheth, J. N. (1983). An integrative theory of patronage perceivedference and behavior. In Darden, W.R. and Lusch, R.F. (Eds), Patronage Behaviour and Retail Management, North Holland, New York, NY, 9-28. Shim, S., & Bickle, M. C. (1994). Benefit segments of the female apparel market: psychographics, shopping orientations, and demographics. Clothing and Textiles Research Journal, 12(2), 1-12. Shim, S., & Kotsiopoulos, A. (1993). A typology of apparel shopping orientation segments among female consumers. Clothing and Textiles Research Journal, 12(1), 73-85. Sierra, J. J., & McQuitty, S. (2005). Service providers and customers: social exchange theory and service loyalty. Journal of Services marketing, 19(6), 392-400. Singh, V. P. (2014). Studying the relationship between human resource policies and employee satisfaction in the private telecommunication service providers in Lucknow City of India. International Journal of Engineering and Management Research (IJEMR), 4(4), 272-275. Sinha, P. K., & Banerjee, A. (2004).Sore choice in an evolving market, International Journal of Retail and Distribution Management, 32 (10). Sirri, L., Fava, G. A., & Sonino, N. (2013). The unifying concept of illness behavior. Psychotherapy and Psychosomatics, 82(2), 74-81. Sivadass, E., & Baker-Prewitt, J. L. (2000). An examination of the relationship between service quality, customer satisfaction and store loyalty. International Journal of Retail & Distribution Management, 28 (2), 73-82. Slåtten, T. (2008). Antecedents and effects of emotional satisfaction on employee- perceived service quality. Managing Service Quality: An International Journal, 18(4), 370-386. Slywotzky, A. J. (1996). Value migration: how to think several moves ahead of the competition. Harvard Business Press. Smith, E. A. (2001). The role of tacit and explicit knowledge in workplace. J. Knowledge Manage, 5(4), 311-321. Smith, J. A., Flower, P., & Larkin, M. (2009). Interpretative phenomenological analysis: Theory, method and research. Qualitative Research in Psychology, 4, 346-347. Smith, J. R. (2014). Workers’ Compensation: A Matter of Location. Should Commuting considered ‘in the course of employment’ if a worker is injured on the way to work? Canadian HR Reporter. SOCSO Annual Report. (2014). Retrieved from http://www.perkeso.gov.my/en/report/annual-reports.html Soderqvist, A., Rundmo, T., & Aaltonen, M. (1990). Costs of occupational accidents in the Nordic furniture industry (Sweden, Norway, Finland). Journal of occupational accidents, 12(1-3), 79-88. Soibel, A., Fong, K., Mullin, J. B., Jenkins, G., & Mar, R. A. (2012). Is self-monitoring related to social comparison? It depends how you ask. Individual Differences Research, 10(4), 193–201. Sousa, R., & Voss, C. A. (2002). Quality management re-visited: a reflective review and agenda for future research. Journal of Operations Management, 20(1), 91-109. South, S. J., & Spitze, G. (1994). Housework in marital and non-marital households. American Sociological Review, 59(June), 327-347. Spicker, P. (2007). The ethics of policy research. Evidence & Policy: A Journal of Research, Debate and Practice, 3(1), 99-118. Spreng, R. A., & MacKoy, R. D. (1996). An empirical examination of a model of perceived service quality and satisfaction. Journal of Retailing, 72(2), 201-14. Srivasta, M. (2015). Influences of customer satisfaction-customer loyalty relationship: a conceptual research model. Irish Marketing Journal, 7(1), 54-65. Stanley, L. L., & Wisner, J. D. (2001). Service quality along the supply chain: implications for purchasing. Journal of Operations Management, 19(3), 287-306. Stenner, A. J., Burdick, D. S., & Stone, M. H. (2008). Formative and reflective models: Can a Rasch analysis tell the difference. Rasch Measurement Transactions, 22(1), -1153. Stone, B. (1995). Successful direct marketing methods. Lincolnwood, IL: NTC Business Books, 37–57. Sturman, M. C., & Ford, R. (2011). Motivating your staff to provide outstanding service. In M. C. Sturman, J. B. Corgel, & R. Verma (Eds,), The Cornell School of Hotel Aministration and Hospitality: Cutting edge thinking and practice, 142-158. Hoboken, NJ: Wiley. Su, Y. Q., Wigglesworth, K., Pendola, F. L., O’Brien, M. J., & Eppig, J. J. (2002). Mitogen-activated protein kinase (MAPK) activity in cumulus cells is essential for gonadotropin-induced oocyte meiotic resumption and cumulus expansion in the mouse. Endocrinology, 143, 2221–2232. Subrahmanyam, A. (2017). Relationship between service quality, satisfaction, motivation and loyalty: a multi-dimensional perspective. Quality Assurance in Education, 25(2). Sureshandar, G. S., Rajendran, C., & Anantharaman, R. N. (2002). The relationship between service quality and customer satisfaction-a factor specific approach. Journal of services marketing, 16(4), 363-379.