Society for the Study of Business & Finance- SSBFNET: E-Journals
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Emerging strategic decisions issues from Uptake of private health insurance in Kenya
Full text linkPrivate health insurance is crucial for healthcare financing, but its uptake remains suboptimal, with many still relying on out-of-pocket expenses. Statistics indicate Kenya\u27s informal sector comprises 83.3% of the population, with only 2% of employees having national hospital insurance and 20% having public health insurance. Therefore, this study investigated effect of strategic decision on uptake of private health insurance services, specifically, the study examined the effect of level of coverage, cost and affordability, network of health providers and quality of services on uptake of private health insurance services in Nairobi City County, Kenya. The study was anchored using the agency theory, dynamic capability theory and expected utility theory. The study embraced descriptive research design. The target population was sixteen private health insurance in Nairobi city county, Kenya. A sample size of eighty was utilized, employing census. Primary data was collected using a semi-structured questionnaire. The response rate was sixty eight percent. Level of coverage, cost and affordability, network of health providers and quality of services had a significant effect on uptake of private health insurance services. The study recommend, insurance providers should continue to offer diverse plans that cater to different needs and income brackets, ensuring that comprehensive coverage options remain accessible to a broad audience. Additionally, insurers should continue to develop and offer flexible payment plans that cater to different income levels. Introducing tiered pricing models, where customers can choose from a range of premium options based on their financial capacity, can make insurance more accessible. Moreover, the insurer should focus on maintaining a strong commitment to service quality and continually refining their offerings, which can build greater trust and satisfaction among customers, leading to increased adoption of private health insurance services
Trapped in turmoil: the developmental toll of insurgencies in Nigeria since 2014
Full text linkIn 2014, Nigeria surpassed South Africa to become Africa\u27s largest economy following a rebasing of its GDP. This achievement, however, obscured fundamental socio-economic vulnerabilities that insurgencies have subsequently revealed. In the last ten years, ongoing insecurity caused by groups such as Boko Haram in the northeast and the Niger Delta Avengers in the south has hindered Nigeria\u27s development, affecting agriculture, oil production, education, and governance. The insurgencies have created a conflict trap, hindered progress, and exacerbated underdevelopment, resulting in Nigeria\u27s growing fragility relative to other African economies. This research analyses the socio-economic impact of insurgencies from 2014 to 2024, highlighting the ways in which insecurity and governance failures have perpetuated cycles of violence and regression. This paper examines the mechanisms by which conflict impedes development, providing actionable insights for policymakers to formulate comprehensive strategies that disrupt these cycles and promote sustainable growth, thereby revitalising Nigeria\u27s role as a leader in Africa\u27s security and development goals
Integration of generative artificial intelligence into higher education research as a supporting tool: A balance between innovation and ethics in research
Full text linkAlthough the growing use of generative artificial intelligence (GAI) in higher education research offers exciting potential for enhancing innovation and efficiency, it is also troubled by significant ethical challenges. This review systematically explores critical concerns that border on risks that are associated with data privacy, algorithmic bias, transparency deficiencies, accountability gaps, and threats to academic integrity. This was done by providing a literature-based assessment of why the use GAI in higher education continues to be problematic. This assessment yielded informative insights that were deciphered from 31 papers which were systematically selected from a sampling universe of 119 publications. Findings highlight the necessity of striking a balance between embracing AI-driven advancements and upholding ethical standards in research, in a manner that does not compromise human capacities to mitigate the unexpected eventualities and their consequences. A set of actionable guidelines that are designed to enhance the responsible integration of GAI in higher education without side-lining the importance of observing critical ethical issues that must be considered and adhered to in academic research is given. These guidelines are useful because they form the foundation of a robust framework which gui, Generative, Higher Education, Researchdes the way GAI is used in higher education research without forgetting that this technology is not an all-round paragon
Barriers to accessibility: An exploratory study of the physical and attitudinal barriers experienced by students living with disabilities in the South African higher education institutions
Full text linkThis exploratory study investigates the physical and attitudinal barriers faced by students with disabilities in South African higher education institutions. Utilizing a qualitative research approach with an exploratory design, the study aimed to provide in-depth insights into the multifaceted challenges that impede access to education for students. A comprehensive desktop review was conducted, involving the collection and analysis of secondary data from various institutional reports, policy documents, and scholarly literature related to disability and higher education in South Africa. Data were systematically transcribed and analyzed using thematic analysis, which allowed for the identification of recurring patterns and themes related to both physical infrastructure and societal attitudes. Findings indicate that students face significant physical barriers, including inadequate campus facilities, inaccessible classroom layouts, and a lack of assistive technologies, which hinder their full participation in academic life. Furthermore, attitudinal barriers, characterized by stigma, negative perceptions, and insufficient awareness among staff and students, contribute to social exclusion and academic marginalization. The study highlights the gap between disability policies and their implementation, underscoring the need for improved institutional commitment to inclusive practices. Ultimately, this research calls for a comprehensive approach to enhance accessibility, encompassing both structural improvements and the fostering of a more inclusive and supportive campus culture
Motivation strategies in the mining sector: Lessons from Tronox KZN sands
Full text linkThe mining sector is vital for economic growth, yet it encounters considerable workforce challenges, such as hazardous working conditions, fluctuating job security, and low levels of employee motivation. This study investigates the motivation strategies implemented by Tronox KZN Sands to tackle these issues, offering insights that can be beneficial for the broader mining industry. Utilizing Herzberg’s Two-Factor Theory as a foundation, the study assesses the effects of intrinsic and extrinsic motivators, leadership, and organizational culture on employee engagement and productivity. A quantitative methodology was adopted, with data collected from 100 employees at Tronox KZN Sands. The findings indicate that concerns regarding job security, limited recognition, and insufficient financial incentives notably affect motivation levels. The study emphasizes that while hygiene factors, such as workplace safety and equitable compensation, are critical for preventing dissatisfaction, motivators—including career development opportunities and recognition programs—are essential for enhancing engagement and performance. Additionally, the COVID-19 pandemic has intensified workforce challenges, highlighting the necessity for adaptive motivation strategies. The research advocates for a balanced approach that integrates both hygiene factors and motivators to maintain employee commitment. Recommendations include enhancing financial incentives, establishing structured career development initiatives, and promoting a culture of recognition and empowerment. Furthermore, organizations should emphasize transparent communication and workforce stability to alleviate uncertainty and improve job satisfaction. These insights offer practical guidance for stakeholders in the mining sector aiming to formulate effective motivation strategies to enhance workforce productivity and retention
The challenges and government support for SMEs at Sol Plaatje Municipality in the Northern Cape Province of South Africa
Full text linkSmall and Medium Enterprises (SMEs) are essential catalysts for economic expansion and employment generation in local communities. Nonetheless, their elevated failure rate presents a considerable risk to economic sustainability. This study examines the fundamental difficulties leading to SME failures in the Sol Plaatje Local Municipality (SPLM) in the Northern Cape, South Africa, and analyses viable ways to improve their sustainability and growth. Data were gathered using a qualitative research approach through semi-structured interviews with 15 SME owners recruited via non-probability sampling. Thematic study, utilising ATLAS.ti software, identified multiple persistent challenges encountered by SMEs in the region. These encompass restricted access to technology, deficient infrastructure, financial limitations, poor training, elevated unemployment, constrained market access, and safety issues. Factors like delayed payments, political meddling, unfair competition, the repercussions of the Covid-19 outbreak, and insufficient mentorship further impede SME development. The study assessed current government support channels, highlighting their benefits and deficiencies. The findings highlight the necessity for focused policy interventions, capacity-building measures, and enhanced support structures to bolster the resilience and long-term sustainability of SMEs in SPLM
Unbundling State-Owned enterprises: Employee perceptions and Socio-Economic impacts
Full text linkThe unbundling of a South African state-owned enterprise represents a significant structural transformation aimed at improving operational efficiency, financial sustainability, and energy transition. However, this restructuring raises concerns about its socio-economic impact on employees. This study investigates this implication by exploring employee job security and working conditions. Grounded in Organizational Change Theory, the study employs a qualitative approach and obtain insights from interviews. Findings indicate that employees experience heightened job insecurity, worsened working conditions, and uncertainty regarding future employment prospects. Despite some optimism about potential market competition most employees perceive the unbundling as poorly managed and lacking transparency. The study calls for improved employee engagement, targeted policy interventions, and enhanced communication strategies. Transparent communication strategies are recommended to mitigate employee anxiety during unbundling. These findings contribute to academic discourse on entity restructuring while providing policy-relevant insights for ensuring a more inclusive and sustainable transition. In this volatile environment, employee and external stakeholder concerns are crucial for organisation’s sustainability and competitive advantage.
Dual roles, single mission: How teachers as employees manage and cope with family-work conflicts
Full text linkThis study examined the coping strategies of teachers to manage the intersection of work and family duties, emphasizing their challenge and stress coping strategies in both domains. The research was based on a qualitative research design grounded on the interpretivism paradigm that aims to interpret human experiences from the participant\u27s point of view. Utilizing a phenomenological study design with descriptive, contextual, and exploratory aspects, the study explored teachers\u27 everyday life experiences, using semi-structured interviews to collect data. The study assessed how professionals balance professional and family obligations, noting the coping processes they implement to alleviate stress and achieve equilibrium. Findings indicated that teachers utilize adaptive coping processes, such as proficient time management, seeking help, and maintaining segregation between work and family obligations. Social support networks, including colleagues, relatives, and community groups, were pivotal in offering emotional support and practical help. In addition, teachers also outlined the deployment of personal resilience and ordering strategies to sustain their well-being. The study highlights the significance of teachers comprehending the dynamic interplay between professional and family life by illuminating how institutional support and policy action could strengthen their coping ability. These results add to the general discourse on teacher satisfaction and work-life balance by urging professional support structures in school and home environments
Constitutional coups and military interventions: Reassessing extended presidential tenure and its impact on governance in Africa
Full text linkThis paper critically examines the consolidation of executive power in Africa through constitutional amendments, often referred to as “constitutional coups,” and its correlation with the resurgence of military interventions. The study’s objective is to explore how the removal of presidential term limits, electoral law manipulation, and similar structural changes contribute to the erosion of democratic norms, institutional accountability, and political stability. Using a conceptual and theoretical analysis grounded in recent case studies, the paper demonstrates how these tactics entrench aging political elites and deepen systemic challenges such as corruption, poverty, and tribalism. It highlights how gerontocracy and ethnically skewed political appointments generate exclusionary governance structures that monopolize key institutions, including the judiciary, legislature, and the military, within dominant ethnic factions, thereby intensifying political marginalisation and social unrest. The paper argues that when peaceful mechanisms for political transition are closed off by such legal manipulations, the likelihood of mass protest and military coups increases. As a policy response, the study recommends the codification of African Union norms on constitutional amendment procedures, the enforcement of term limits, and the strengthening of continental early warning systems. These measures are vital for restoring institutional checks, deterring authoritarian entrenchment, and safeguarding democratic governance across the continent. The paper thus contributes to the discourse on constitutionalism and political accountability in Africa by offering practical, policy-relevant strategies for reform
Employees’ perceptions of the employment relationships, work engagement and performance management system in the selected South African National departments
Full text linkThis study examines employees\u27 perceptions regarding employment relationships, work engagement (WE), and performance management systems (PMS) within specific South African National Departments. This subject has not been thoroughly investigated in prior research within a comparable context. Despite extensive research on PMS, employment relationships, and WE, there remains a notable gap in comprehending employees\u27 perceptions of these elements within the chosen South African National departments. This research aims to address the existing gap and provide a thorough understanding of these important aspects. This research is of significant importance and urgency. The research employed quantitative and cross-sectional designs. This study included 400 administrative employees, who were purposively selected from a population of 10,660. The research focused on employees at job levels 1 to 12, specifically those who were permanently employed and possessed a minimum of five years of experience within the department. A structured questionnaire was utilised as the primary instrument for data collection, comprising closed-ended questions. Descriptive statistics were conducted using SPSS to evaluate the reliability of the measurement instrument. The study results revealed mixed perceptions among respondents; nonetheless, there is a predominantly positive view regarding compliance, fairness, good faith, and truth within the selected government departments. The study indicated that respondents exhibited a notably positive perception of vigour, dedication, and absorption in their work. A moderate positive perception was noted regarding the understanding of PMS, PMS alignment, and the focus on performance management. This study presents practical implications, emphasising the importance for managers to prioritise employee attitudes towards the performance management system (PMS), alignment of performance management, organisational culture, and the employee performance review process, rather than solely comprehending the PMS process itself