CSRC Publishing: Open Journal Systems (Center for Sustainability Research and Consultancy)
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Impact of Fintech Adoption on Corporate Financial Structure and Performance: A Cross-Country Study of NBFCs
No full textPurpose
This study investigates the impact of FinTech adoption on the financial performance and structure of non-banking finance companies (NBFCs) across multiple economies, ranging from emerging to developed markets. Based upon the Technology Acceptance Model (TAM), Innovation Diffusion Theory (IDT), and Resource-Based View (RBV), the research examines whether FinTech adoption enhances profitability (measured by net profits) or optimizes the financial structure (measured by debt-to-equity ratio).
Design/Methodology/Approach
Conducted multivariate analysis using the sample of 120 NBFCs from 12 countries from emerging and developed economies, incorporating FinTech adoption rate, market capitalization, and effective tax rate as the predictors.
Findings
The results uncover that FinTech adoption does positively impact performance and significantly optimizes the capital structure by lowering the reliance on debt financing. In contrast, capitalization and effective tax rates don’t have any significant impact.
Implications/Originality/Value
The finding underscores the strategic importance of technological effectiveness in organizational resource contribution and competitive advantage in the market. This research contributes to theoretical advancements by integrating TAM, IDT, and RBV and provides insights for stakeholders, policy makers, and financial institutions aiming to enhance the performance and optimize the capital structure of NBFCs through FinTech integration and innovations.  
Assessment of Socioeconomic Threats Faced by Orphans in Azad Jammu & Kashmir (A Case Study of District Bagh)
No full textPurpose: The study is about to trace out the Socio economic threats faced by Orphans in Bagh. The objectives of the study were to investigate the socio-economic challenges faced by orphans, to identify coping mechanisms used by orphans and to explore Government non-Governmental aids intended to curb challenges faced by orphans in Bagh.
Design/Methodology/Approach: The study used random sampling technique and selected a sample of 364(by Morgan Krejcie formula) Orphan students (201 male and 163 female). The variables used for the study are the variables of Scio-economics. Simple frequency method and Chi Square crosstab test used to find out the Socio Economic threats faced by Orphans. Maslow Theory has applied explaining human motivation based on the pursuit of different levels of needs.
Findings: According to Maslow theory Orphans do not exist on any stage of this Theory because they are not fulfilling physiological need that is first stage of this Theory.
Implications/Originality/Value:The researcher’s view is that the information which has collected convinced the hearts of the authorities so that Orphans in Bagh can get support and assistance
Industrialization in the Era of Climate Change in Sub-Saharan Africa: A Systematic Literature Review
No full textPurpose – The main objective of this study was to analyze the degree to which industrialization policies in Sub-Saharan Africa (SSA) countries have been responsive to climate change impacts.
Design/Methodology/Approach – The study used a qualitative research design through a systematic literature review of various publications about industrialization and its impact on climate change in SSA countries, particularly in Tanzania.
Findings – The findings revealed that industrialization in SSA has significantly contributed to the climate change negative impacts. Moreover, many countries in SSA have implemented policies that promote adaptation and mitigation of the climate change impacts but these policies have not managed to balance both combating climate change impacts and addressing the issues of social inequality. This situation threatens the achievement of Sustainable Development Goals (SDGs) number 13 which emphasizes urgent action to combat climate change, as well as SDG number 10 which emphasizes reducing inequality across the world.
Implications/Originality/Value – This study recommends that the governments of SSA countries formulate green industrial policies to improve the national economy
Exploring the Nexus Among Financial Advancement, Natural Resources Rent, Green Innovation and Environmental Quality in Pakistan
No full textPurpose- This study examines environmental quality in Pakistan, a developing economy that emphasizes the roles of financial advancement and sustainable energy in shaping environmental policy decisions.
Methodology/Design/Approach: This study employed a dynamic autoregressive distributed lag (ARDL) model to analyze the relationships between key economic and environmental variables.
Findings: This study found that financial advancement, resource rents, and economic growth significantly increased pollution emissions, while green innovations effectively reduced them. We identified one-way causal relationships among these factors, indicating that ecological degradation also affects the interplay between green technologies and financial advancement.
Implications: Our findings suggest that achieving net zero emissions, as per the Paris Agreement, is feasible through enhanced investment in green technologies and foreign capital in Pakistan's resource sectors. This study provides policymakers with evidence-based insights into designing effective environmental sustainability strategies that balance economic development with ecological preservation
Minimizing the Trends of Plagiarism among Prospective Special Education Teachers: A Way Forward towards Academic Integrity
No full textPurpose: Plagiarism is a real threat to academic integrity at higher education levels. This study seeks to minimize the trends of plagiarism among prospective special education teachers.
Methodology: This study was qualitative and exploratory. Study sample consisted of special education teachers (N = 10), teaching at higher education levels. Sample included males (N =02) & females (N = 08). A semi-structured interview protocol was administered as an instrument with purposive sampling technique. Instrument validity was examined by experts' opinion (N = 03), while instrument's reliability was assured through an extensive literature review. The interviews were conducted after complying with the ethics of research. Responses of participants were recorded and transcribed for data analysis. Data was analyzed through coding & thematic analysis after applying the open coding technique.
Findings: Four (4) major themes have emerged from the data analysis. Negative relations, students’ involvement in plagiarism, consequences of plagiarism, and curtailing plagiarism. Avoidance of hard work, academic background, no reading habits, and inadequate concept of plagiarism, are the nature of the relationship that exists between prospective special education teachers and plagiarism.
Implications: This study recommends appropriate motivational support, Advanced reading habits, and an understanding of the plagiarism concept
Circular Economy and Green Growth: Enablers, Benefits, and Implementation Challenges
No full textPurpose: Circular economy (CE) interventions have emerged as promising solutions to promote green growth (GG). This article reviews the literature on how CE interventions support and facilitate GG efforts, highlighting key benefits, enablers, and barriers to their implementation.
Design/methodology/approach: The study performed a flexible interpretive review of Scopus and related institutional literature on the CE–GG. The contributions, enablers, and challenges of CE and GG were then thematically synthesized, providing context-sensitive and integrated insights beyond rigid systematic methods.
Findings: CE has the potential to promote GG through various direct and indirect benefits. These include improvements in resource efficiency, eco-innovation, and socio-economic resilience. The links between CE and GG depend on several enablers such as supportive policy frameworks, green financing, innovation ecosystems, and digital infrastructure, and they also face challenges from institutional barriers, financial constraints, and socio-cultural factors.
Implications/originality/value: The insights from this paper can help policymakers, industry stakeholders, and development practitioners capitalize on CE-GG synergies by focusing on policy consistency, inclusive financing, and SMEs capacity building to support practical system transitions. This paper offers a comprehensive overview of the current understanding of the relationships between CE and GG, clarifying specific enabling conditions and challenges that are context-dependent.  
Modeling the Structural Relationships of Brand Competency, Brand Love, Brand Advocacy, and Brand Loyalty
No full textPurpose: The goal of this current study is to evaluate how brand competency, directly and indirectly, affects brand loyalty and brand advocacy through brand love.
Design/Methodology/Approach: 298 valid and usable responses were collected from beauty brand users and were analyzed using AMOS 22.0 and SPSS 25.0. Underpinned by Social Identity Theory, the proposed hypotheses were researched in a conceptual model.
Findings: Regarding brands, this research adds a great deal to the corpus of information and practical applications for managers. It offers an actual illustration and validation of the relationship between brand competence and brand love. It has helped close the knowledge gap.
Practical implications: According to the findings, brand managers should nurture feelings to strengthen the bond between their brand and customers.
Originality/value: This research advances the current understanding of brand advocacy narrative involving brand competence, love, and loyalty. The findings indicate that a competent brand, linked with brand love and loyalty, will create brand advocacy
Impact of Green HRM Practices on Financial Performance: The Mediating Roles of Environmental Performance and Green Innovation and the Moderating Role of Green Transformational Leadership
No full textPurpose: This paper will look at both direct and indirect impacts of the Green Human resource Management (GHRM) practices on the organizational financial performance with a specific focus on the mediating variables, the Environmental Performance, Green Innovation and Green Transformational Leadership. Based on the Resource-Based View (RBV) and the Ability-Motivation-Opportunity (AMO) framework, the research is an empirical study on the role of green-oriented HR practices.
Design/Methodology/Approach: Quantitative Analysis method was used in this study through SPSS for demographic characteristics of 300 respondents practicing Green HRM policies in their companies and for model testing SMART PLS is utilized.
Findings: The findings demonstrate that there is a strong and positive direct correlation between GHRM and financial performance and this means that organizations that implement green HR performance realize better financial performances. Moreover, the research findings indicate that Environmental Performance and Green Innovation plays a critical role as the mediator of this relationship implying that waste management, energy savings, and regulatory compliance improvements are significant processes through which GHRM improves financial performance.
Implications/Originality/Value: All in all, this research is credible as it has strong evidence to show that GHRM practices directly and indirectly affect financial performance via the most essential organizational and leadership-based processes, which highlights the strategic significance of considering green HR practices and leadership in pursuing long-term financial and environmental sustainability, especially in a developing economy setting.  
Employee Vigor and Performance of Deposit-Taking Sacco’s in Nairobi, Kenya
No full textPurpose: The present financial sector competitiveness, technological advancements, changing customer expectations and dwindling employee productivity has necessitated the need for investigating the influence of employee vigor on deposit-taking Sacco’s performance in this sector. The paper scrutinized the associations amongst personnel vigor and performance of DT-Sacco’s in Nairobi. Earlier explorations have exposed that staff vigor may possess a direct effect on organizational performance.
Design/Methodology/Approach: The study utilized a cross-sectional survey of 46 DT-Sacco’s in Nairobi to collect data vie structured questionnaire. The gathered data was tested by means of correlation and regression analysis.
Findings: The results designated a correlation amid employee vigor and organizational performance. The findings indicate that employee vigor has no significant linkages to performance of DT Sacco’s in Nairobi.
Implications/Originality/Value: The authors recommend that Saccos top management should not spend monetary capabilities on events that kindle employee vigor as it has no prediction on Sacco performance. The study will guide Sacco management, policy makers and regulators of the industry in advancing capacities that build worker vigor. 
Factors Influencing Online Banking Continuance Intentions Among Older Adults: Evidence from an Emerging Market
No full textPurpose: This study investigates the factors influencing online banking continuance intentions among older adults in South Africa. It focuses on a demographic within an emerging market whose unique challenges and needs remain under investigated. Drawing from existing literature, a research model was developed to examine the proposed relationships between key variables.
Design/Methodology/Approach: Data was collected from 256 older adult online banking users through an online questionnaire. Partial least squares structural equation modelling (SEM) technique was used to test the proposed model and hypotheses.
Findings: Perceived ease of use, perceived usefulness, facilitating conditions, hedonic motivation, and convenience had a strong influence on continuance intention. Notably, the security and continuance intention revealed an interesting dynamic, highlighting the need for more user-friendly risk management strategies.
Implications/Originality/Value: Bank marketers could consider factors such as perceived ease of use and convenience to influence online banking continuance intentions among older adults. Platforms must be enjoyable, useful, and secure. This study provides valuable insights for banks targeting older adults in South Africa and similar emerging markets, addressing a key gap in in the literature of continuance intention in his demographic