European Journals of Social Sciences Studies
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PERCEPTION DES MARAÎCHERS DE KINSHASA SUR LES EFFETS DES CHANGEMENTS CLIMATIQUES / PERCEPTION OF MARKET GARDENERS IN KINSHASA ON THE EFFECTS OF CLIMATE CHANGE
No full textLa présente étude vise à analyser la perception des maraîchers des sites de production de Tshuenge, Tadi/CECOMAF et Kingabwa Ngwele sur les effets du changement climatique tout en identifiant les facteurs explicatifs de cette perception face aux changements climatiques. Pour y arriver 289 maraichers ont été enquêtés dans les trois sites. Les analyses montrent que 87% ces maraîchers de la zone d’étude ont déjà entendu parler de changement climatique à travers les médias 49% (télévision 37% et la radio 13%) et la bouche à oreille (23,3%). Les manifestations des changements climatiques sont perçues différemment par les maraichers. Le paramètre le plus perçu est la variation de la température (70,3%). Les autres signes des changements perçus sont l’abondance des pluies et le prologement de la saison sèche (57,4%) ainsi que les inondations (45,9%). La perception varie en fonction des sites, plus le site est proche du fleuve Congo, plus les enquêtés sont confrontés aux inondations. Etant plus proche du fleuve, le site de Kingabwa (76%) compte proportionnellement plus de maraîchers qui perçoivent les inondations comme signe de changement climatique que ceux de Tshuenge (58%) et de Tadi/CECOMAF (30%) respectivement (p< 0,05). L’analyse des déterminants de la perception montre que seul le fait d’avoir déjà entendu parler du changement climatique a une influence positive sur la perception des effets de changement climatique (p<0,05). En effet, les maraîchers qui ont déjà été informés de ce changement ont 72 fois plus de chance d’établir un lien entre les effets ressentis et le changement climatique. This study aims to analyze the perception of market gardeners from the production sites of Tshuenge, Tadi/CECOMAF and Kingabwa Ngwele on the effects of climate change while identifying the explanatory factors of this perception in the face of climate change. To achieve this, 289 market gardeners were surveyed in the three sites. The analyzes show that 87% of these market gardeners in the study area have already heard about climate change through the media 49% (television 37% and radio 13%) and word of mouth (23.3%). The manifestations of climate change are perceived differently by market gardeners. The most perceived parameter is the temperature variation (70.3%). The other signs of perceived changes are the abundance of rains and the extension of the dry season (57.4%) as well as floods (45.9%).The perception varies depending on the sites, the closer the site is to the Congo River, the more the respondents are confronted with flooding. Being closer to the river, the Kingabwa site (76%) has proportionally more market gardeners who perceive flooding as a sign of climate change than those of Tshuenge (58%) and Tadi/CECOMAF (30%) (p < 0. 05). The analysis of the determinants of perception shows that only the fact of having already heard about climate change has a positive influence on the perception of the effects of climate change (p<0.05). In fact, market gardeners who have already been informed of this change are 72 times more likely to establish a link between the effects felt and climate change. Article visualizations
STRENGTHENING STUDENTS’ COMMUNICATION SKILLS IN CIVIC EDUCATION LEARNING THROUGH THE APPLICATION OF THE SOCRATIC SEMINAR LEARNING MODEL
Get PDFThis study aimed to analyze how the Socratic seminar learning model can strengthen students’ communication skills at State Islamic Senior High School (MAN) Purbalingga. This study is a case study with a qualitative approach. The research subjects are civic education teachers at MAN Purbalingga and eleventh-grade students at MAN Purbalingga. Data collection techniques included interviews, observations, and documentation. Data validity was ensured using source- and technique-based triangulation. Data collection instruments included interview guides, observation sheets, and document checklists. Data analysis employed the Miles, Huberman, and Saldana model, which consists of data condensation, data presentation, and data verification. The results of this study indicate that strengthening students’ communication skills involved the development of knowledge and insights through class presentations, as well as actively engaging in asking questions. Therefore, it was suggested that civic education teachers and students collaborate to develop and implement strategies that address the needs of civic education learning, thereby contributing to the improvement of civic education in the future. Article visualizations
PERSONALITY TRAITS AND EMOTIONAL INTELLIGENCE AS DETERMINANTS OF THE PROBLEM BEHAVIOR OF STUDENTS
Get PDFThis study determined the significant influence leadership practices of school heads and work task motivation as predictors of teachers’ behavior. The quantitative approach using the correlational technique and analysis was utilized in this study with a sample of 325 teachers from the elementary schools of Caraga District, Schools Division of the City of Davao Oriental. Sets of adapted survey questionnaires were used to obtain data from the respondents subjected to content validity and reliability analysis. The data were analyzed using the Mean, Pearson-r, and Multiple Regression Analysis. The results reveal that the leadership practices were rated very high, and Work Task Motivation was also rated as high. At the same time, Teacher Behavior was rated high. Moreover, a significant relationship existed between these variables. A no significant relationship between the Leadership Practices and Teacher Behavior was significant. A significant relationship work task motivation and teacher behavior was significant. The extent of the influence of predictor variables on Teacher Behavior was proven significant in the study. Article visualizations
INFLUENCE OF ORIENTATION SERVICE ON ACADEMIC PERFORMANCE OF SECONDARY SCHOOL STUDENTS IN KITUI WEST SUB-COUNTY, KITUI COUNTY, KENYA
Get PDFThis study sought to establish influence of orientation services on academic performance of secondary school students in Kitui West Sub-County, Kitui County. The following objective guided this study: to establish influence of orientation services on academic performance of secondary school in Kitui West Sub-County, Kitui County. Descriptive survey research design was employed in the study. Population of the study was 33 principals, 33 heads of guidance and counselling department and all 7903 students in 33 public secondary schools in Kitui West Sub-County Kitui County Sample size of the study was 16 schools, 16 principals, 16 guidance and counselling heads of department and 381 students. Data was collected using questionnaires and interview schedules. Data was analyzed using both descriptive and inferential statistics. The null hypothesis was tested using Analysis of Variance (ANOVA) at 0.05 level of significance. The Study established that while orientation services did not show statistically significant influence on academic performance (f=2.156, p≥0.05), students expressed positive perceptions of certain aspects, emphasizing importance of effective orientation services. The study, therefore, recommended that schools should strengthen orientation service by in cooperating in interactive sessions, which will assist students in developing positive study habits. Article visualizations
DIAGNOSTIC HYDRO-QUALITATIF DES EAUX DU BASSIN VERSANT DE LA RIVIÈRE KALAMU À BOMA, KONGO CENTRAL, R. D. CONGO / HYDRO-QUALITATIVE DIAGNOSIS OF WATER IN THE WATERSHED OF THE KALAMU RIVER IN BOMA (KONGO CENTRAL, D.R. CONGO)
No full textDans le cadre d’un contrat de rivière Kalamu à Boma, un suivi de la qualité des eaux a été réalisé en 2022. Les paramètres physico-chimiques et bactériologiques ont été suivis sur neuf sites de prélèvement de l’amont jusqu’à son embouchure et soumis aux analyses. Les activités anthropiques dans le bassin versant sont en effet très variées, elles ont entraîné l’occupation de l’espace jusqu’au lit majeur et sont de ce fait susceptibles de créer des problèmes de pollution environnementale. Les analyses physico-chimiques et bactériologiques ont mis en évidence la relation entre les activités anthropiques et la qualité physico-chimique et bactériologique des plans d’eau particulièrement sur certains sites. Les analyses microbiologiques de coliformes totaux des eaux a varié entre 3000 à 70000 mg/l, les coliformes fécaux entre 1400 à 85000 mg/l, et pour Escherichia coli 300 à 20 000 mg/l. Les résultats des analyses physico-chimiques montrent que les eaux de la rivière ne présenteraient pas de danger majeur pour la santé humaine et l’environnement. D’une manière générale, les eaux de la rivière Kalamu à Boma sont plus sensibles aux pollutions. Cette pollution se manifeste entre autres par les inondations dont est victime la population riveraine et par les perturbations chimiques des eaux.As part of a Kalamu River contract in Boma, water quality monitoring was carried out in 2022. The following physicochemical parameters: pH, electrical conductivity and TDS, were analyzed from upstream to its mouth. The results highlighted the relationship between anthropogenic activities and water quality, particularly on certain sites. Anthropogenic activities in the watershed are very varied, they have led to the occupation of space up to the major bed and are therefore likely to create environmental pollution problems. Microbiological analyzes of total coliforms in water varied between 3000 to 70,000 mg/l, fecal coliforms between 1400 to 85,000 mg/l, and for Escherichia coli 300 to 20,000 mg/l. The results of the physicochemical analyzes show that the waters of the river do not present a major danger to human health and the environment. Generally speaking, the waters of the Kalamu River in Boma are more sensitive to pollution. This pollution manifests itself, among other things, in the flooding suffered by the local population and in the chemical disturbances of the water. Article visualizations
BUILDING A PUBLIC SERVICE CULTURE FOR OFFICIALS AND CIVIL SERVANTS IN THÁI NGUYÊN PROVINCE IN THE LIGHT OF THE 1943 TREATISE ON VIETNAMESE CULTURE
Get PDFBuilding a public service culture within state administrative agencies will contribute to creating an environment where each official and civil servant continuously learns and improves, deserving to be public servants who respect and serve the public for their benefit. Through this process, a close relationship is established between state administrative agencies and the public, showcasing the cultural beauty of a civilized and modern administration. Article visualizations
THE RELATIONSHIP BETWEEN THE FINANCIAL LITERACY OF THE PROPRIETORS AND ENTERPRISE PERFORMANCE OF RETAIL BUSINESSES IN KUTUS TOWN, KENYA
Get PDFAccording to the Economic Survey report of 2023, approximately 83% of Kenyans are literate. This was supported by the preliminary survey conducted in Kutus, which showed that the majority of retail business owners were relatively literate. This study sought to establish the nexus between proprietor financial literacy and enterprise performance of retail businesses in Kutus town. The research was conducted in Kutus, Kirinyaga County, which has numerous retail outlets that pervaded different sectors. Specifically, the study sought to assess whether financial knowledge, financial competence, and financial experience possessed by retail business owners influence business performance. The study was anchored on the financial socialization theory. The study, whose target population comprised the retail businesses operating within Kutus town, adopted the descriptive research design. The study sampled 135 retail businesses using a systematic sampling technique. The study used primary data collected using structured questionnaires. Analysis of the collected data was performed using descriptive and inferential statistical techniques, and results were presented in tables and charts. The study found that all three constructs of the financial literacy variable had a positive and significant influence on the performance of retail outlets. The study, therefore, recommended that proprietors of business entities should retool their financial literacy skills in an effort to improve their entrepreneurial decisions. Further, Institutions of higher learning should develop and launch training programs tailor-made for entrepreneurs to plug the identified financial literacy gap. JEL: L10; L20; M10; G20 Article visualizations
EFFECT OF HOUSEHOLD INCOME ON THE AFFORDABILITY OF HOUSING IN NAKURU EAST AND NAKURU WEST SUB-COUNTIES, NAKURU COUNTY, KENYA
Get PDFThis study investigated the impact of household income on housing affordability for low-income households in Nakuru East and West Sub-Counties, Kenya. Using a mixed-methods approach with questionnaires for 384 systematically sampled households and interviews with purposively selected housing sector managers, the study found that low-income households had unstable and insufficient incomes, limiting their ability to afford housing. Correlation analysis revealed a moderate positive and significant relationship between household income and housing affordability (r=0.440, p<0.05). The study concluded that lower household incomes contribute to housing affordability challenges, especially with rising house prices. It recommended policies to increase incomes, provide targeted housing subsidies and financing, develop affordable housing stock, and combine housing assistance with financial literacy education.JEL: R21, R31, I31, D31, O18 Article visualizations
INTERNAL CONTROLS AND FINANCIAL ACCOUNTABILITY OF NATIONAL GOVERNMENT CONSTITUENCIES DEVELOPMENT FUND IN KENYA
Get PDFThe aim of the study was to examine the effect of internal controls on the financial accountability of the National Government Constituencies Development Fund in Kenya. The specific objectives were: to establish the effect of control activities, risk assessment, communication, monitoring and control environment on the financial accountability of NG-CDF in Kenya. The study was structured on: agency, fraud triangle and accountability theories. Positivism research philosophy guided the study. A correlation research design was adopted. The target population of the study was 1160 respondents, while the sample population was 288 respondents. Primary data was obtained by use of a questionnaire, while secondary data was obtained from the auditor’s general reports and financial statements of the NG-CDFs. A pilot test was carried out using 29 respondents. It was established that there exists a strong and positive association exists between internal controls and financial accountability for all the variables, as confirmed by; r = 0.718 for control activities, r = 0.707 for risk assessment, r = 0.759 for monitoring, r = 0.703 for communication and r = 0.686 for control environment and financial accountability. The R-square value was 0.762. The results of the ANOVA showed an F statistic of 15.513, and a p-value of 0.008. All the constructs of internal controls were established to have a significant effect on unsupported expenditure, which was confirmed by β = 2.157, p-value 0.005, β = 0.998, p-value 0.014, β = 1.282, p-value of 0.004. β = 0.371, p-value of 0. 047 and β = 1.13 6, p-value 0.009 for control activities, risk assessment, monitoring communication and control environment respectively. It was recommended that the NG-CDF management committee should strengthen the separation of duties and ensure that the stipulated guidelines for approval are followed at all times. Close scrutiny of all risk-prone activities should be analyzed. External auditors must give unbiased reports. NG-CDF committee members should be honest and have no conflict of interest. JEL: G30, M42, H83, D73 Article visualizations
AN ANALYSIS OF THE FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN SIERRA LEONE: AN ECONOMETRIC ANALYSIS
Get PDFThe topic of this research is an analysis of the financial performance of commercial banks in Sierra Leone using an econometric approach. However, the study was guided by four key specific objectives in order to help achieved the research and they are as follows; asset quality, capital adequacy, earning rate and liquidity management in the financial performance of commercial banks. The study adopted the descriptive research design method, in which the targeted population of the study consists of 14 commercial banks that are licensed and registered with the Central Bank of Sierra Leone. The study makes use of both qualitative and quantitative sources of data. The secondary data was however collected through various published reports from the Commercial Bank of Sierra Leone, articles, journals, magazines, etc. while the primary sources of data on the other hand were collected with the help of the questionnaires administered to the listed commercial banks in the study. Data was analyzed using Multiple Regression Analysis. Findings from the study revealed that Asset Quality (ASQ) is having a negative coefficient of -0.007021 on the Returns on Assets and is statistically insignificant at a 5% Prob level with a P-Value of 0.8307. Suggesting that for every increase in Asset Quality, the ROA is expected to decreased by the rate of 0.007021. In contrast to the Returns on Equity; Asset Quality (ASQ) has a negative coefficient value of -0.081445 to the Returns on Equity and also has an insignificant relationship with a (p-Value = 0.6974). Findings from the study also revealed that the Capital Adequacy Ratio (CAR) are positive with a coefficient of (0.167228) and statistically significant at 5% with a P-value of (0.0077) to the Returns of Assets (ROA). Indicating that for every increase in the Capital Adequacy Ratio, the Returns on Asset (ROA) are expected to increase by the rate of 0.167228. In contrast to the Returns of Equity; Capital Adequacy Ratio (CAR) proved to have a negative and insignificant relationship with the Returns on Assets with (p-Value = 0.1333), with a coefficient value of -0.755936. From the findings of the study, all the variables used have positive relationship or coefficient and as well as performing good except for Asset Quality and Liquidity Management. some commercial banks are performing well while others are not. This is as a result of liquidity management.UNE ANALYSE DE LA PERFORMANCE FINANCIÈRE DES BANQUES COMMERCIALES EN SIERRA LEONE : UNE ANALYSE ÉCONOMÉTRIQUELe sujet de cette recherche est une analyse de la performance financière des banques commerciales en Sierra Leone en utilisant une approche économétrique. Cependant, l'étude était guidée par quatre objectifs spécifiques clés afin d'aider à atteindre la recherche et ils sont les suivants : la qualité des actifs, l'adéquation des capitaux propres, le taux de rendement et la gestion de la liquidité dans la performance financière des banques commerciales. L'étude a adopté la méthode de conception de recherche descriptive, dans laquelle la population cible de l'étude se compose de 14 banques commerciales qui sont autorisées et enregistrées auprès de la Banque centrale de Sierra Leone. L'étude utilise à la fois des sources de données qualitatives et quantitatives. Les données secondaires ont cependant été collectées à partir de divers rapports publiés par la Banque commerciale de Sierra Leone, des articles, des journaux, des magazines, etc. tandis que les sources de données primaires d'autre part ont été collectées avec l'aide des questionnaires administrés aux banques commerciales répertoriées dans l'étude. Les données ont été analysées à l'aide de l'analyse de régression multiple. Les résultats de l'étude ont révélé que la Qualité des Actifs (ASQ) a un coefficient négatif de -0,007021 sur les Rendements des Actifs et est statistiquement insignifiante à un niveau de probabilité de 5% avec une valeur de P de 0,8307. Ce qui suggère que pour chaque augmentation de la Qualité des Actifs, les ROA sont censés diminuer de 0,007021. En revanche, par rapport aux Rendements des Capitaux Propres ; la Qualité des Actifs (ASQ) a une valeur de coefficient négative de -0,081445 par rapport aux Rendements des Capitaux Propres et a également une relation insignifiante avec un (p-valeur = 0,6974). Les résultats de l'étude ont également révélé que le Ratio d'Adéquation des Capitaux Propres (CAR) est positif avec un coefficient de (0,167228) et statistiquement significatif à 5% avec une valeur P de (0,0077) par rapport aux Rendements des Actifs (ROA). Indiquant que pour chaque augmentation du Ratio d'Adéquation des Capitaux Propres, les Rendements sur Actif (ROA) sont censés augmenter de 0,167228. En revanche par rapport aux Rendements des Capitaux Propres ; le Ratio d'Adéquation des Capitaux Propres (CAR) s'est avéré avoir une relation négative et insignifiante avec les Rendements sur Actifs avec (p-valeur = 0,1333), avec une valeur de coefficient de -0,755936. D'après les résultats de l'étude, toutes les variables utilisées ont une relation ou un coefficient positive et ainsi bien se comporter sauf pour la Qualité des Actifs et la Gestion de la Liquidité. Certaines banques commerciales se comportent bien tandis que d'autres non. Ceci est le résultat de la gestion de la liquidité.UN'ANALISI DELLE PERFORMANCE FINANZIARIE DELLE BANCHE COMMERCIALI IN SIERRA LEONE: UN'ANALISI ECONOMETRICAIl tema di questa ricerca è un'analisi delle performance finanziarie delle banche commerciali in Sierra Leone utilizzando un approccio econometrico. Tuttavia, lo studio è stato guidato da quattro obiettivi specifici al fine di aiutare a raggiungere la ricerca e sono i seguenti: qualità degli asset, adeguatezza patrimoniale, tasso di guadagno e gestione della liquidità nelle performance finanziarie delle banche commerciali. Lo studio ha adottato il metodo di progettazione della ricerca descrittiva, in cui la popolazione target dello studio è composta da 14 banche commerciali autorizzate e registrate presso la Banca Centrale della Sierra Leone. Lo studio fa uso sia di fonti di dati qualitative che quantitative. I dati secondari sono stati tuttavia raccolti attraverso vari rapporti pubblicati dalla Banca Commerciale della Sierra Leone, articoli, giornali, riviste, ecc., mentre le fonti primarie di dati d'altra parte sono stati raccolti con l'aiuto dei questionari somministrati alle banche commerciali elencate nello studio. I dati sono stati analizzati utilizzando l'Analisi di Regressione Multipla. I risultati dello studio hanno rivelato che la Qualità degli Asset (ASQ) ha un coefficiente negativo di -0,007021 sui Rendimenti sugli Asset ed è statisticamente insignificante al livello di probabilità del 5% con un valore P di 0,8307. Ciò suggerisce che per ogni aumento della Qualità degli Asset, i ROA sono previsti diminuire del tasso di 0,007021. Al contrario, rispetto ai Rendimenti sul Patrimonio Netto; la Qualità degli Asset (ASQ) ha un valore di coefficiente negativo di -0,081445 rispetto ai Rendimenti sul Patrimonio Netto e ha anche una relazione insignificante con un (p-Value = 0,6974). I risultati dello studio hanno anche rivelato che il Rapporto di Adeguatezza Patrimoniale (CAR) è positivo con un coefficiente di (0,167228) e statisticamente significativo al 5% con un P-value di (0,0077) rispetto ai Rendimenti sugli Asset (ROA). Indicando che per ogni aumento del Rapporto di Adeguatezza Patrimoniale, i Rendimenti sugli Asset (ROA) sono previsti aumentare del tasso di 0,167228. Al contrario rispetto ai Rendimenti sul Patrimonio Netto; il Rapporto di Adeguatezza Patrimoniale (CAR) si è rivelato avere una relazione negativa e insignificante con i Rendimenti sugli Asset con (p-Value = 0,1333), con un valore di coefficiente di -0,755936. Dai risultati dello studio, tutte le variabili utilizzate hanno una relazione o un coefficiente positivo e si comportano bene tranne per la Qualità degli Asset e la Gestione della Liquidità. Alcune banche commerciali si comportano bene mentre altre no. Questo è il risultato della gestione della liquidità.UN ANÁLISIS DEL RENDIMIENTO FINANCIERO DE LOS BANCOS COMERCIALES EN SIERRA LEONA: UN ANÁLISIS ECONOMÉTRICOEl tema de esta investigación es un análisis del rendimiento financiero de los bancos comerciales en Sierra Leona utilizando un enfoque econométrico. Sin embargo, el estudio fue guiado por cuatro objetivos específicos clave para ayudar a alcanzar la investigación y son los siguientes: calidad de los activos, adecuación de capital, tasa de ganancia y gestión de la liquidez en el rendimiento financiero de los bancos comerciales. El estudio adoptó el método de diseño de investigación descriptiva, en el que la población objetivo del estudio consta de 14 bancos comerciales que están autorizados y registrados en el Banco Central de Sierra Leona. El estudio utiliza fuentes de datos tanto cualitativos como cuantitativos. Sin embargo, los datos secundarios fueron recopilados a través de varios informes publicados por el Banco Comercial de Sierra Leona, artículos, revistas, etc., mientras que las fuentes primarias de datos, por otro lado, fueron recopiladas con la ayuda de cuestionarios administrados a los bancos comerciales listados en el estudio. Los datos fueron analizados utilizando Análisis de Regresión Múltiple. Los hallazgos del estudio revelaron que la Calidad de los Activos (ASQ) tiene un coeficiente negativo de -0,007021 sobre los Retornos sobre Activos y es estadísticamente insignificante a un nivel de probabilidad del 5% con un valor de P de 0,8307. Lo que sugiere que por cada aumento en la Calidad de los Activos, se espera que los ROA disminuyan en la tasa de 0,007021. En contraste con los Retornos sobre el Patrimonio; la Calidad de los Activos (ASQ) tiene un valor de coeficiente negativo de -0,081445 con respecto a los Retornos sobre el Patrimonio y también tiene una relación insignificante con un (p-valor = 0,6974). Los hallazgos del estudio también revelaron que la Proporción de Capitalización Adecuada (CAR) es positiva con un coeficiente de (0,167228) y estadísticamente significativa al 5% con un valor de P de (0,0077) para los Retornos sobre Activos (ROA). Lo que indica que por cada aumento en la Proporción de Capitalización Adecuada, se espera que los Retornos sobre Activos (ROA) aumenten en la tasa de 0,167228. En contraste con los Retornos sobre el Patrimonio; la Proporción de Capitalización Adecuada (CAR) demostró tener una relación negativa e insignificante con los Retornos sobre Activos con (p-valor = 0,1333), con un valor de coeficiente de -0,755936. Según los hallazgos del estudio, todas las variables utilizadas tienen una relación o coeficiente positivo y también se desempeñan bien excepto por la Calidad de los Activos y la Gestión de la Liquidez. Algunos bancos comerciales se desempeñan bien mientras que otros no. Esto es resultado de la gestión de la liquidez.UMA ANÁLISE DO DESEMPENHO FINANCEIRO DOS BANCOS COMERCIAIS NA SERRA LEOA: UMA ANÁLISE ECONOMÉTRICAO tema desta pesquisa é uma análise do desempenho financeiro dos bancos comerciais na Serra Leoa usando uma abordagem econométrica. No entanto, o estudo foi guiado por quatro objetivos específicos-chave para ajudar a alcançar a pesquisa e eles são os seguintes: qualidade dos ativos, adequação de capital, taxa de ganho e gestão de liquidez no desempenho financeiro dos bancos comerciais. O estudo adotou o método de design de pesquisa descritiva, no qual a população-alvo do estudo consiste em 14 bancos comerciais licenciados e registrados no Banco Central da Serra Leoa. O estudo utiliza fontes de dados tanto qualitativos quanto quantitativos. No entanto, os dados secundários foram coletados através de vários relatórios publicados pelo Banco Comercial da Serra Leoa, artigos, revistas, etc., enquanto as fontes primárias de dados, por outro lado, foram coletadas com a ajuda de questionários administrados aos bancos comerciais listados no estudo. Os dados foram analisados usando Análise de Regressão Múltipla. Os resultados do estudo revelaram que a Qualidade dos Ativos (ASQ) tem um coeficiente negativo de -0,007021 nos Retornos sobre Ativos e é estatisticamente insignificante em um nível de probabilidade de 5% com um valor de P de 0,8307. O que sugere que para cada aumento na Qualidade dos Ativos, espera-se que os ROA diminuam na taxa de 0,007021. Em contraste com os Retornos sobre o Patrimônio; a Qualidade dos Ativos (ASQ) tem um valor de coeficiente negativo de -0,081445 em relação aos Retornos sobre o Patrimônio e também tem uma relação insignificante com um (p-valor = 0,6974). Os resultados do estudo também revelaram que a Razão de Adequação de Capital (CAR) é positiva com um coeficiente de (0,167228) e estatisticamente significativa a 5% com um valor P de (0,0077) para os Retornos sobre Ativos (ROA). O que indica que para cada aumento na Razão de Adequação de Capital, espera-se que os Retornos sobre Ativos (ROA) aumentem na taxa de 0,167228. Em contraste com os Retornos sobre o Patrimônio; a Razão de Adequação de Capital (CAR) provou ter uma relação negativa e insignificante com os Retornos sobre Ativos com (p-valor = 0,1333), com um valor de coeficiente de -0,755936. A partir dos resultados do estudo, todas as variáveis utilizadas têm uma relação ou coeficiente positivo e também se comportam bem exceto pela Qualidade dos Ativos e pela Gestão de Liquidez. Alguns bancos comerciais se saem bem enquanto outros não. Isso é resultado da gestão de liquidez.ΜΙΑ ΑΝΑΛΥΣΗ ΤΗΣ ΟΙ ΚΟΝΟΜΙΚΗΣ ΕΠΙΔΟΣΗΣ ΤΩΝ ΕΜΠΟΡΙΚΩΝ ΤΡΑΠΕΖΩΝ ΣΤΗΝ ΣΙΕΡΑ ΛΕΟΝΕ: ΜΙΑ ΟΙΚΟΝΟΜΕΤΡΙΚΗ ΑΝΑΛΥΣΗΤο θέμα αυτής της έρευνας είναι μια ανάλυση της οικονομικής απόδοσης των εμπορικών τραπεζών στη Σιέρα Λεόνε χρησιμοποιώντας μια οικονομετρική προσέγγιση. Ωστόσο, η μελέτη καθοδηγήθηκε από τέσσερις κύριους συγκεκριμένους στόχους με σκοπό την επίτευξη της έρευνας και αυτοί είναι οι εξής: ποιότητα των ενεργητικών, επάρκεια κεφαλαίου, ποσοστό κερδών και διαχείριση ρευστότητας στην οικονομική απόδοση των εμπορικών τραπεζών. Η μελέτη υιοθέτησε τη μέθοδο σχεδιασμού περιγραφικής έρευνας, στην οποία ο στόχος πληθυσμού της μελέτης αποτελείται από 14 εμπορικές τράπεζες που είναι αδειοδοτημένες και καταχωρημένες στην Κεντρική Τράπεζα της Σιέρα Λεόνε. Η μελέτη χρησιμοποίησε τόσο ποιοτικές όσο και ποσοτικές πηγές δεδομένων. Τα δευτερεύοντα δεδομένα συλλέχθηκαν ωστόσο μέσω διαφόρων δημοσιευμένων εκθέσεων από την Εμπορική Τράπεζα της Σιέρα Λεόνε, άρθρων, περιοδικών κ.λπ., ενώ οι πρωτεύουσες πηγές δεδομένων από την άλλη συλλέχθηκαν με τη βοήθεια των ερωτηματολογίων που διοικούνται στις αναφερόμενες εμπορικές τράπεζες στη μελέτη. Τα δεδομένα αναλύθηκαν χρησιμοποιώντας Ανάλυση Πολλαπλής Παλινδρόμησης. Τα ευρήματα της μελέτης αποκάλυψαν ότι η Ποιότητα των Ενεργητικών (ASQ) έχει ένα αρνητικό συντελεστή -0,007021 στα Αποτελέσματα των Ενεργητικών και είναι στατιστικά μη σημαντική σε επίπεδο πιθανότητας 5% με μια τιμή P του 0,8307. Προτείνοντας ότι για κάθε αύξηση της Ποιότητας των Ενεργητικών, τα ROA αναμένεται να μειωθούν κατά το ποσοστό του 0,007021. Αντίθετα, σε σχέση με τα Αποτελέσματα της Κεφαλαιακής Αποδοτικότητας; η Ποιότητα των Ενεργητικών (ASQ) έχει μια αρνητική τιμή συντελεστή -0,081445 στα Αποτελέσματα της Κεφαλαιακής Αποδοτικότητας και επίσης έχει μια μη σημαντική σχέση με μια (p-τιμή = 0,6974). Τα ευρήματα της μελέτης έδειξαν επίσης ότι ο Λόγος Επάρκειας Κεφαλαίου (CAR) είναι θετικός με ένα συντελεστή (0,167228) και στατιστικά σημαντικός στο 5% με μια τιμή P (0,0077) προς τα Αποτελέσματα των Ενεργητικών (ROA). Υποδηλώνοντας ότι για κάθε αύξηση στον Λόγο Επάρκειας Κεφαλαίου, τα Αποτελέσματα στα Ενεργητικά (ROA) αναμένεται να αυξηθούν κατά το ποσοστό του 0,167228. Σε αντίθεση με τα Αποτελέσματα της Κεφαλαιακής Αποδοτικότητας; ο Λόγος Επάρκειας Κεφαλαίου (CAR) αποδείχθηκε να έχει μια αρνητική και μη σημαντική σχέση με τα Αποτελέσματα στα Ενεργητικά με (p-τιμή = 0,1333), με μια τιμή συντελεστή του -0,755936. Από τα ευρήματα της μελέτης, όλες οι χρησιμοποιούμενες μεταβλητές έχουν θετική σχέση ή συντελεστή και επίσης είναι καλές εκτός από την Ποιότητα των Ενεργητικών και τη Διαχείριση της Ρευστότητας. Ορισμένες εμπορικές τράπεζες είναι αποτελεσματικές ενώ άλλες όχι. Αυτό είναι αποτέλεσμα της διαχείρισης της ρευστότητας. JEL: G21, G28, G32, G38 Article visualizations