Fair East Publishers: E-Journals
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Analyzing non-performing loan ratio in Egyptian banks: The impact of lending and environmental risks
Get PDFThe present paper investigates the association between the carbon intensity of loans and non-performing loan ratios (NPLR) in Egypt, tapping into an under-researched but important domain in environmental finance. Using an original survey administered to people working in the sector, this study combines responses that measure perceptions of carbon intensity measures, lending risks, and responses to these challenges in the banking sector. By linking these variables with NPLR, the empirical analysis will allow us to estimate direct and indirect effects of carbon-intensive on loans. Preliminary results show that an increase in carbon intensity increases non-performing loan ratios, suggesting that riskier carbon-intensive loans are associated with a higher likelihood of default. This paper adds to the emerging literature on sustainable banking by estimating the financial impact of environmental risks in loan portfolios and suggests that improving green lending behaviour can decrease the risk of future financial crises triggered by the banking sector.
Keywords: Carbon Intensity of Loan, Non-Performing Loan Ratio, Lending Risks, Mitigation Measures, Overall Assessment
The impact of agile methodologies on IT service management: A study of ITIL framework implementation in banking
Get PDFThis paper explores the impact of integrating Agile methodologies with the ITIL framework in IT Service Management (ITSM) within the banking sector. As banks face increasing pressure to innovate and respond swiftly to changing market conditions and regulatory requirements, Agile's flexibility and ITIL's structured approach offer a promising solution. The paper examines how Agile influences ITIL processes, leading to faster service delivery, improved collaboration, and enhanced customer satisfaction. The challenges of cultural resistance and balancing structure with flexibility are also discussed. The implications for ITSM in banking, including the potential for more dynamic and strategic service management, are also considered. The paper concludes with recommendations for future research on the long-term impact and best practices for Agile-ITIL integration in banking IT services.
Keywords: Agile Methodologies, ITIL Framework, IT Service Management (ITSM), Banking Sector, Agile-ITIL Integration
The concept of big data and predictive analytics in reservoir engineering: The future of dynamic reservoir models
Get PDFReservoir engineering is a critical discipline in the oil and gas industry, aimed at optimizing the extraction and management of subsurface resources. Traditionally, reservoir models have relied on static data and conventional simulation methods, which often fall short in capturing the dynamic complexities of reservoirs. With the advent of big data and predictive analytics, there is a significant opportunity to revolutionize reservoir modeling by integrating real-time data for continuous updates and more accurate predictions. This review introduces a theoretical exploration of how big data and predictive analytics can transform dynamic reservoir models, highlighting their potential to improve reservoir management and hydrocarbon recovery. Big data technologies enable the collection, storage, and processing of vast amounts of structured and unstructured data from multiple sources, including well logs, seismic surveys, drilling operations, and production data. Predictive analytics, through machine learning and statistical techniques, can extract actionable insights from these datasets to predict reservoir behavior, enhance decision-making, and optimize production strategies. This integration facilitates real-time monitoring and adaptive reservoir management, allowing engineers to respond to changing reservoir conditions and uncertainties more effectively. The review further explores the implications of big data-driven predictive models for enhanced hydrocarbon recovery techniques, such as water flooding and gas injection. By automating data processing and integrating real-time field data, predictive analytics can improve the accuracy of reservoir simulations, reduce downtime, and increase operational efficiency. Ultimately, the future of dynamic reservoir modeling lies in the seamless integration of big data and predictive analytics, providing a pathway to smarter, more sustainable resource management and maximized recovery factors in increasingly complex reservoir environments.
Keywords: Big Data, Predictive Analytics, Reservoir Engineering, Dynamic Reservoir, Models
EMPLOYEE PERFORMANCE HINGED ON INTERNAL CAPABILITY: A PEEP INTO DEPOSIT MONEY BANKS IN ANAMBRA STATE
Get PDFThis work determined the influence of internal capabilities on employee performance in selected deposit money banks in Anambra state. Specifically, however, the study assessed the effect of employee training on customer satisfaction and identified the nature of the relationship between operational flexibility and customer retention. This study was anchored on the Knowledge Base Theory. A survey research design was deployed for this work with a population of all the staff of 6 selected deposit money banks in Anambra state Nigeria, which was put at 1,110 staff. However, a sampled size of 285 was used, after the application of Krejcie and Morgan's (1970) sample size determination formula. Data for the study was collected using a structured questionnaire, which was subjected to both validity and reliability tests. The data analysis technique for the study was simple regression and hypotheses were tested at a 5% level of significance. The results revealed that employee training has a statistically significant effect on customer satisfaction (r = .970; R-Square = .940, P-value < 0.05) and that there is a statistically significant relationship between operational flexibility and customer retention in DMBs in Anambra state (r = .971; R-Square = .943, P-value < 0.05). The study therefore concluded that internal capabilities have an influence on the performance of employees because training and operational flexibility were seen to be positively related to customer satisfaction and retention respectively. On the strength of this, it was recommended that the management of the banks should continue training and retraining employees especially in the area of customer relations as it has been seen to be responsible for customer satisfaction in DMBs in Anambra state.
Keywords: Employee Performance, Internal Capability, Employee Training, Customer Satisfaction, Operational Flexibility and Customer Retention
SUSTAINABLE INVESTMENT STRATEGIES IN PENSION FUND MANAGEMENT: A COMPARATIVE REVIEW OF ESG PRINCIPLES ADOPTION IN THE U.S. AND NIGERIA
No full textThe integration of Environmental, Social, and Governance (ESG) principles into pension fund management has garnered significant attention in the global financial sector. This study offers a comprehensive comparative analysis of ESG adoption in pension fund management between the U.S. and Nigeria. Through an in-depth exploration, the research unveils the current state, challenges, and implications of ESG integration in these distinct financial landscapes. The U.S., with its advanced financial markets, has demonstrated a systematic and mature approach to ESG adoption, driven by technological advancements, robust regulatory frameworks, and a shift towards sustainable investment. In contrast, Nigeria, an emerging market, is in the early stages of ESG integration, grappling with challenges such as limited data availability, regulatory intricacies, and the pressing need for ESG education. A pivotal finding of this research is the positive correlation between ESG integration and enhanced financial performance. Pension funds that prioritize ESG principles have showcased resilience in volatile markets, often outpacing their non-ESG counterparts. This underscores ESG's dual role as both a moral and financial imperative. The study further delves into the future outlook of ESG adoption in both nations. While the U.S. is poised for deeper ESG integration, leveraging technological innovations and refined regulations, Nigeria stands at a crossroads, with its trajectory dependent on addressing current challenges and fostering a culture of sustainable investment. In conclusion, the research emphasizes that ESG integration in pension fund management is a profound shift in the financial paradigm, promising a secure, sustainable, and ethically grounded financial future for beneficiaries. The comparative journey of the U.S. and Nigeria offers invaluable insights, setting a benchmark for pension funds globally as they navigate the complexities of sustainable investment in an ever-evolving financial landscape.
Keywords: ESG Integration, Pension Fund Management, Sustainable Investment, Comparative Analysis
REVIEW OF TECHNOLOGICAL ADVANCEMENTS IN FOOD SUPPLY CHAIN MANAGEMENT: A COMPARATIVE STUDY BETWEEN THE U.S. AND AFRICA
No full textThis comprehensive review explores the technological advancements in food supply chain management, presenting a comparative study between the United States and Africa. The global food supply chain faces numerous challenges, including demand volatility, perishability concerns, and the need for efficient and sustainable practices. This study delves into the contrasting landscapes of the U.S. and Africa, examining how each region adopts and adapts technology to address these challenges. The United States, as a developed nation, boasts an intricate and technologically sophisticated food supply chain. Advanced technologies such as blockchain, Internet of Things (IoT), and artificial intelligence are integrated to enhance transparency, traceability, and efficiency throughout the supply chain. From precision agriculture to smart logistics and distribution, the U.S. exemplifies a technology-driven approach to food supply chain management. In contrast, the African continent faces unique challenges, including infrastructural constraints, diverse agricultural practices, and the need for inclusive solutions. The study sheds light on how Africa leverages technology to overcome these challenges, showcasing innovations such as mobile-based supply chain platforms, data analytics for smallholder farmers, and blockchain for transparent transactions. By comparing the technological landscapes of the U.S. and Africa, this review identifies common trends, best practices, and region-specific innovations. Insights gained from this comparative study contribute to a holistic understanding of how technology transforms food supply chains on both global and regional scales. The findings aim to inform policymakers, industry stakeholders, and researchers, fostering cross-cultural learning and collaborative efforts to create resilient, sustainable, and technologically advanced food supply chains worldwide.
Keywords: Technological Advancements, Food, Supply Chain, Management, USA, Africa
A CRITICAL REVIEW OF ERP SYSTEMS IMPLEMENTATION IN MULTINATIONAL CORPORATIONS: TRENDS, CHALLENGES, AND FUTURE DIRECTIONS
No full textEnterprise Resource Planning (ERP) systems have become indispensable tools for managing complex business processes in multinational corporations (MNCs). This paper presents a critical review of the trends, challenges, and future directions associated with ERP systems implementation in the context of MNCs. The study synthesizes existing literature to offer a comprehensive understanding of the evolving landscape of ERP adoption in a globalized business environment. The trends in ERP implementation within MNCs underscore the increasing reliance on integrated software solutions to enhance operational efficiency and facilitate seamless communication across diverse geographical locations. Notably, the integration of emerging technologies such as artificial intelligence, machine learning, and blockchain into ERP systems has gained traction, presenting new opportunities and complexities for MNCs. However, the implementation of ERP systems in MNCs is not without challenges. Cultural diversity, varying regulatory frameworks, and differences in business practices across regions pose significant obstacles to successful deployment. Additionally, the sheer scale and complexity of MNCs' operations demand careful consideration of customization needs, scalability, and alignment with organizational goals. The critical review highlights the need for a strategic approach to ERP implementation in MNCs. Successful cases often involve top management commitment, extensive user training, and a phased implementation strategy that accommodates regional variations. Furthermore, the study emphasizes the importance of post-implementation evaluation and continuous improvement to address evolving business requirements. Looking ahead, future directions in ERP systems implementation within MNCs are shaped by the rapid evolution of technology and the dynamic nature of global business. The integration of cloud-based solutions, the advancement of Industry 4.0 technologies, and the increasing emphasis on sustainability are anticipated to influence the next wave of ERP adoption in MNCs. This critical review contributes valuable insights into the current state of ERP systems implementation in multinational corporations, addressing trends, challenges, and future directions. It provides a roadmap for practitioners, researchers, and policymakers to navigate the complexities of ERP adoption in the ever-evolving landscape of global business.
Keywords: ERP, MNCs, Industry 4.0, Multinational, Corporation, Review
THE ROLE OF IT IN ENHANCING SUPPLY CHAIN RESILIENCE: A GLOBAL REVIEW
No full textIn today's dynamic and interconnected global business environment, supply chain resilience has emerged as a critical factor for organizations seeking to navigate uncertainties and disruptions. This review explores the pivotal role of Information Technology (IT) in bolstering supply chain resilience on a global scale. As supply chains become increasingly complex and vulnerable to various risks, including natural disasters, geopolitical tensions, and pandemics, leveraging IT capabilities becomes imperative for organizations aiming to build and sustain resilience. The review encompasses an in-depth analysis of how IT tools and systems contribute to enhancing supply chain resilience across diverse industries and geographical regions. The integration of advanced technologies such as Artificial Intelligence (AI), Internet of Things (IoT), and blockchain is examined, shedding light on their transformative impact on supply chain management. These technologies enable real-time visibility, predictive analytics, and secure information sharing, empowering organizations to proactively identify risks and respond swiftly to disruptions. Furthermore, the review delves into the significance of digital platforms and cloud-based solutions in fostering collaboration and agility within supply chains. The ability to access and share critical information seamlessly among supply chain partners facilitates quick decision-making and adaptive responses to unforeseen challenges. Case studies from various global contexts provide insights into successful IT implementations that have significantly improved supply chain resilience, showcasing best practices and lessons learned. This global review underscores the indispensable role of IT in fortifying supply chain resilience. As organizations continue to grapple with an ever-evolving landscape of uncertainties, leveraging cutting-edge IT solutions emerges as a strategic imperative for building robust, adaptable, and responsive supply chains that can withstand and recover from disruptions effectively.
Keywords: IT, Supply Chain, Resilience, Review, Technology
THE FUTURE OF AUTONOMOUS VEHICLES IN THE U.S. URBAN LANDSCAPE: A REVIEW: ANALYZING IMPLICATIONS FOR TRAFFIC, URBAN PLANNING, AND THE ENVIRONMENT
No full textThis study presents a comprehensive analysis of the impact of autonomous vehicles (AVs) on urban landscapes, focusing on traffic management, urban planning, and environmental sustainability in the United States. The main objectives were to explore the evolution of AV technology, assess its current state and innovations, and understand its implications for urban environments. Employing a systematic literature review and content analysis, the study analyzed data from peer-reviewed academic journals, industry reports, and government publications, focusing on literature published from 2007 to 2023. Key findings indicate that AVs have the potential to significantly alter urban traffic dynamics, reducing congestion and enhancing road safety. In urban planning, AVs necessitate a reevaluation of infrastructure, potentially leading to more efficient land use and reduced parking needs. Environmentally, AVs offer the promise of reduced emissions and improved air quality, especially when integrated with electric vehicle technology. However, these benefits are contingent upon overcoming technological challenges, ensuring public safety, and developing effective regulatory frameworks. The study envisions a future urban landscape where AVs contribute to more efficient, safer, and environmentally sustainable environments. It recommends comprehensive policy and industry strategies for the successful integration of AVs, emphasizing the need for standardized safety regulations, incentivizing AV adoption, and ensuring equitable access. Concluding insights suggest that while AVs hold significant potential for reshaping urban mobility, their successful integration requires addressing technological, policy, and societal challenges. Future research should focus on the long-term impacts of AVs on urban landscapes, exploring ethical and legal implications, and their role in broader sustainability goals.
Keywords: Autonomous Vehicles, Urban Planning, Traffic Management, Environmental Sustainability
ADVANCED MATERIALS FOR SUSTAINABLE CONSTRUCTION: A REVIEW OF INNOVATIONS AND ENVIRONMENTAL BENEFITS
No full textThe field of sustainable construction has witnessed a paradigm shift with the advent of advanced materials that not only enhance structural performance but also contribute significantly to environmental conservation. This paper provides a comprehensive review of innovations in advanced materials for sustainable construction, elucidating their environmental benefits. In recent years, researchers and industry professionals have focused on developing materials that reduce the environmental impact of construction activities. This review explores a myriad of advanced materials, including but not limited to high-performance concrete, green composites, and recycled polymers. High-performance concrete formulations integrate advanced admixtures and supplementary cementitious materials, resulting in structures with superior strength and durability while minimizing resource consumption. Green composites, composed of natural fibers and bio-based resins, have emerged as a sustainable alternative to traditional construction materials. These composites not only exhibit impressive mechanical properties but also possess a reduced carbon footprint, aligning with the principles of eco-friendly construction practices. Additionally, the utilization of recycled polymers derived from post-consumer waste in construction materials represents a significant stride towards circular economy principles, addressing concerns related to plastic pollution. Environmental benefits of these advanced materials are multifold. The reduction in raw material extraction, energy consumption, and greenhouse gas emissions associated with their production contribute to a more sustainable construction industry. Furthermore, the enhanced durability of structures built with these materials leads to extended service life and reduced maintenance requirements, further mitigating the environmental impact over the life cycle. The integration of advanced materials in sustainable construction not only elevates the performance of structures but also aligns with global efforts to minimize the ecological footprint of the built environment. This review serves as a valuable resource for researchers, practitioners, and policymakers seeking insights into the latest innovations and environmental advantages of advanced materials in the realm of sustainable construction.
Keywords: Materials, Sustainable Construction, Innovation, Environmental, Advanced, Review