International Journal of Professional Business Review
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INFORMATION SECURITY AND THE CONTINUAL USAGE OF E-COMMERCE PLATFORMS: A CASE OF GHANA
Get PDFObjective: This study investigates the impact of information security and trust on continued e-commerce usage in Ghana, where online commerce has become essential despite growing cyber threats.
Theoretical Framework: Social exchange theory was used to explain how individuals form trust in social interactions. It helps to reveal how people weigh relationship rewards and costs, navigate power dynamics, and make choices.
Method: Out of 117 collected responses, 100 were valid for analysis. Partial Least Squares-SEM (PLS-SEM) was used for structural equation modeling, following the "10-times rule" for minimum sample size.
Results and Discussion: The research demonstrates that Information Security significantly enhances continual usage and directly impacts consumer trust. Also, we found that, trust serves as a mediator between information security and continual usage. Further, the study reveals that ICT skills play a key mediating role in the relationship between trust and continual usage. The findings highlight the importance of prioritizing information security, implementing user-friendly security measures, and offering training to improve users’ ICT skills.
Research Implications: These insights have practical implications for e-commerce businesses, policymakers, and individuals. It emphasizes the necessity of robust information security measures to build trust and encourage continual usage among Ghanaians.
Originality/Value: The study adds to existing literature by underscoring the essential role of Information Security in cultivating Ghanaian consumers trust and loyalty in the e-commerce environment
THE REALITY OF ALGERIAN TRADITIONAL BANKS IN LIGHT OF THE ACCELERATION OF FINANCIAL TECHNOLOGY
Get PDFObjective: This research aims to understand the reality of how Algerian banks operate in light of the rapid advancement of financial technology and the extent to which they have embraced the new trend based on financial technology, or what is known as "FINTECH," in payment systems, lending, and even investment.
Theoretical Framework: Fintech has reached advanced stages, and traditional Algerian banks need to change the outdated conventional style they've been using due to technological changes in order to improve financial services.
Method: In order to answer the questions asked and to take note of the various aspects of the subject, and to test the validity of the previously mentioned hypotheses, the analytical descriptive approach was relied upon to cover the theoretical aspect and to usestatistical side for analyzing the data and information included in the study.
Results and Discussion: The study concluded that adopting financial technology is among the most important activities in the financial and banking system in Algeria, despite the limited range of financial services and products offered through its financial channels, which are still in their early stages. It has become essential to encourage digital banks and support institutions active in payment and financial services, which will have a positive impact on financial technologies as well as the banking system.
Research Implications: This study identified the main obstacles that have prevented financial technology in the Algerian banking system from reaching advanced levels, along with the significant efforts made by the state to enhance Algerian banking services.
Originality/Value: This study aims to highlight the banking sector in Algeria and its ability to keep up with the developments occurring in the field of financial technology.evidenced by [explain how the results may impact the area of study or professional practice]
AÇÕES EM PERÍODO DE CRISE: VALE A PENA INVESTIR? UM GUIA PARA INVESTIDORES
Get PDFObjetivo: Este estudo analisa o comportamento das ações de duas empresas do setor de aviação brasileiro durante a pandemia de COVID-19. Utilizando o índice de Sharpe, avaliamos a variação e o retorno dessas ações em comparação com o Ibovespa e a taxa Selic. Investigamos se investir em ações durante períodos de crise é uma estratégia viável, considerando diferentes perfis de investidores (longo, médio e curto prazo). Os resultados indicam que, apesar dos retornos negativos em muitos períodos, o investimento em ações ofereceu um retorno superior à taxa Selic, demonstrando que pode ser vantajoso investir em ações mesmo durante crises econômicas.
Referencial Teórico: O referencial teórico destaca as teorias de risco e retorno, com foco em crises econômicas, especialmente as pandêmicas. A volatilidade e o desempenho das ações, conforme observado durante a pandemia de COVID-19, serão interpretados com base em teorias financeiras, fundamentando a análise subsequente.
Método: A metodologia utiliza uma análise quantitativa baseada em dados diários do mercado financeiro coletados via Python. As ações de duas empresas de aviação foram analisadas quanto à sua variância, desvio padrão, covariância e correlação em relação ao Ibovespa e à taxa Selic. O Índice de Sharpe foi calculado para avaliar a relação risco-retorno, fornecendo uma perspectiva detalhada sobre o comportamento das ações durante o período estudado.
Resultados e Discussão: Os resultados indicam uma alta volatilidade das ações durante o período pandêmico, com oscilações significativas em relação ao Ibovespa e à taxa Selic. Apesar de períodos de retorno negativo, a recuperação gradual no pós-pandemia sugere que, para investidores de longo prazo, o investimento em ações poderia oferecer retornos superiores à taxa Selic. A discussão contextualiza esses achados, destacando a resiliência do setor de aviação e as limitações do estudo.
Implicações da Pesquisa: As implicações práticas incluem orientações para investidores sobre a gestão de risco e decisões de investimento no setor de aviação. Teoricamente, o estudo contribui para a compreensão do comportamento do mercado acionário em períodos de crise, oferecendo insights sobre a resiliência e recuperação do setor.
Originalidade/Valor: Este estudo oferece uma análise detalhada e original do comportamento do setor de aviação brasileiro durante a pandemia de COVID-19. Os resultados são relevantes tanto para investidores quanto para pesquisadores, fornecendo uma compreensão aprimorada do impacto de crises pandêmicas no mercado financeiro
DIGITAL FINANCIAL SERVICES AND THE PERFORMANCE OF THE QUOTED COMMERCIAL BANKS IN NIGERIA
Get PDFObjective: The study aims to examine the causal relationship as well as short-term and long-term dynamic effects between digital financial service components and on the performance of the quoted commercial banks.
Method: The study employs a cross-sectional descriptive survey research with ex-post facto research. Descriptive statistics were used to analyze responses and opinions, while inferential statistics including the dynamic Panel Autoregressive Distributed Lag (PARDL) approach, Panel Granger Causality Test.
Results: The Granger Causality analysis reveals that Agency banking exhibits a strong causal link to ROA (p=0.003<0.05), emphasizing its predictive power for ROA variations. Also, ATM banking has a weaker influence on ROA (p=0.08>0.05), while internet banking (p=0.049<0.05) and mobile banking (p=0.0001<0.05) both impact ROA significantly. The long-term analysis using the autoregressive distributed lag (ARDL) model indicates that agency banking (β=0.128, p < 0.05), ATM banking (β=0.566, p < 0.05), internet banking (β=0.514, p < 0.05), and POS activities (β=0.118, p < 0.05) all have positive impacts on ROA. In the short term, these variables also show positive coefficients, suggesting immediate effects on ROA. Error correction (ECTt−1) has a negative coefficient (β=-0.06, p < 0.05), indicating its role in short-run adjustments to deviations from long-run equilibrium. Overall, agency banking, ATM banking, internet banking, and POS activities are crucial drivers with strong statistical significance, while mobile banking has limited influence on ROA. Based on these findings.
Conclusion: The study recommends that financial institutions should strategically prioritize agency banking services and enhance internet banking services to positively impact ROA. Resource allocation for ATM banking should be reevaluated, and POS-related strategies may not be a priority for improving ROA. Additionally, financial institutions should adopt a long-term perspective when planning and implementing these services, and invest in enhancing their digital financial services to boost customer satisfaction, fostering loyalty and retention
A FRAMEWORK FOR TRANSFORMING CORPORATE PURPOSE INTO ORGANISATIONAL CULTURE
Get PDFPurpose: One of the most powerful and talked about approaches in the management and leadership of modern business today is Organisational Purpose. When placed at the heart of strategy, it is said to increase employee engagement exponentially, resulting in the unlocking of human potential, lighting up passion and enthusiasm within people, and beating the line in financial performance through overservicing and delighting customers, by as much as 42% compared to the stock market. However, as much as Organisational Purpose is heralded as the core motivation behind the sustainable success of any organisation, 90% of these purpose-led strategies fail in implementation. The article investigates this phenomenon.
Theoretical Framework: This study falls within the framework where leadership and strategy implementation meet. One of the most profound gaps identified during the literature reviewed for this article is that the purpose (‘deep self’) of an organisation cannot be defined or even implemented without defining the individual purposes (‘deep self’) of its leadership, in that an organisation can only ever be as conscious as its leader.
Design/ methodology/ Approach: This study, therefore, sets out to create a framework that can guide leaders towards implementing corporate purpose into organisational culture through raising leadership and organisational consciousness and, in doing so, overcoming this persisting barrier to implementation. By choosing Action Design Research as the methodology for this research, the researchers co-create a potential solution with 14 Chief Executive Officers, each a market leader within their diverse industries.
Findings: A solution that suggests that the successful transformation of corporate purpose into organisational culture lies at the intersection of the individual purpose of each executive leader, the purpose of the organisation, and the individual purpose of each of its employees. Against the plethora of existing frameworks, which are by and large said to be unsuccessful in the face of implementation failure, the framework presented as a product of this study offers an alternative solution.
Research, Practical & Social Implications: A practical solution that puts the potential of people at its heart is offered as a framework for implementation.
Originality/Value: The framework is called: ‘The Growing Greatness Implementation Framework’. This presents a new and unique contribution to the current literature about Strategic Business Management
UMA ANÁLISE DO FILME “SPIRIT: O CORCEL INDOMÁVEL” SOB A PERSPECTIVA ESTÉTICA DA TEORIA DA RECEPÇÃO
Get PDFObjetivo: O estudo teve como objetivo analisar o filme "Spirit: O Corcel Indomável" sob a perspectiva estética da teoria da recepção, buscando compreender como diferentes abordagens influenciam a interpretação dos alunos do ensino fundamental.
Referencial Teórico: Para a análise da teoria estética da recepção, construção de significados e autonomia do receptor com relação à obra, utilizou-se autores como Barthes, Borges, Santos, Ferrés, Gadamer, Ricoeur e Eco.
Método: A pesquisa adotou uma abordagem qualitativa, envolvendo revisão bibliográfica e aplicação de diferentes abordagens analíticas, como abordagem conjunta, concentrada e da linguística em caráter interventivo. Contribuíram com o estudo, os alunos do ensino fundamental do CEPI Luiz Carlos da Mota.
Resultados e Discussão: Os resultados revelam a importância da mediação pedagógica na compreensão e interpretação da obra cinematográfica, destacando a importância da interação entre espectador e filme no processo interpretativo dos alunos. À luz da teoria da recepção, o estudo permitiu insights valiosos sobre a natureza da interpretação e a construção de significados.
Implicações da Pesquisa: A pesquisa demonstrou a eficácia ao promover para o aluno uma aprendizagem significativa e contextualizada, reconhecendo a importância da mediação do conhecimento pela instituição escolar. A análise enriqueceu o repertório cultural dos alunos e de igual modo, estimulou o desenvolvimento crítico e reflexivo dos estudantes.
Originalidade/Valor: A relevância e originalidade do estudo, se encontra não no fato da análise cinematográfica em si, mas na evidência de qualidade na aprendizagem, e de modo singular no estímulo ao desenvolvimento de indivíduos culturalmente sensíveis e críticos.O texto apresenta uma análise do filme "Spirit: O Corcel Indomável" sob a perspectiva estética da teoria da recepção. Inicia abordando a teoria da recepção, que se concentra na resposta do receptor a estímulos visuais, musicais ou literários, deslocando o foco do autor para o receptor. O filme escolhido, "Spirit", é considerado uma obra de arte rica em estímulos visuais e sonoros, proporcionando ao espectador uma interpretação dinâmica, autônoma e criativa. A pesquisa visa analisar a linguagem do filme sob uma abordagem dinâmica, holística e interativa, considerando a teoria da recepção
THE ROLE OF ENTREPRENEURSHIP EDUCATION IN GUIDING UNIVERSITY STUDENTS TO CREATE THEIR PERSONAL AND PROFESSIONAL PROJECTS WITHIN THE FRAMEWORK OF A STARTUP
Get PDFObjective: This resvalueearch paper aims to shed light on the role of entrepreneurship education in realizing the personal and professional project of a university student within the framework of a startup. This is considering that entrepreneurial learning or (entrepreneurship education as some call it) is one of the basic courses that help the university student form a vision about future projects and professions.
Theoretical Framework: Entrepreneurship education is a set of formal education methods that is based on informing and training any individual who wishes to participate in social economic development, through a project aimed at enhancing entrepreneurial awareness, establishing business projects or developing small business projects.
Method: In order to be able to become familiar with this topic and address the problem at hand, we relied in this study on the descriptive and analytical approach, by describing entrepreneurship education, and analyzing the extent of the role that entrepreneurship education plays in guiding and assisting university students in establishing a startup project.
Results and Discussion: The study reached several results, the most important of which is that entrepreneurship education plays a major role in creating personal and professional projects for university students and transforming them into a startup capable of finding innovative solutions to the problems at hand. The study also found that building a university student’s personal and professional project requires many acquisitions and skills that qualify him to establish a startup enterprise, such as: teamwork and team building skills, leadership skills, effective communication skills, and problem-solving skills.
Originality/Value: This study contributes to the literature by emphasizing the importance of entrepreneurship education in realizing the personal and professional project of a university student especially in the form of startups, which would lead to its itegration in Higher education programmes
HUMAN CAPITAL AND ABSORPTION CAPACITY IN THE MAQUILADORA INDUSTRY IN NORTHEASTERN MEXICO: THE EFFECTS ON INNOVATION
Get PDFObjective: The objective of this study is to investigate the effect of human capital and absorption capacity on innovation in the maquiladora industry in the northern region of Mexico.
Theoretical Framework: Potential and realized absorptive capacity play different yet complementary roles (Demuner-Flores et al., 2018; Leal-Rodríguez & Albort-Morant, 2015; Zahra & George, 2002). Cassol et al., (2016) confirmed the mediating role of absorptive capacity in the relationship between intellectual capital and innovation and determined that there is a positive relationship between intellectual capital and innovation.
Method: The hypotheses and the model proposed have been tested with a quantitative explanatory research design that involves the application of a questionnaire. The technique for data analysis is SEM. The statistical software used was AMOS and SPSS version 24. The sample was composed of 127 companies.
Results and Discussion: Human capital was found to have a positive and significant effect on absorption capacity. However, the human capital variable in its specificity dimension had a positive effect, but not significant in innovation, contrary to the effect of the value dimension, which had a positive and significant effect on innovation. Absorption capacity had a positive effect on innovation.
Research Implications: The companies under study focus on encouraging the performance of routine activities, not on developing innovative products and processes through the absorptive capacity.
Originality/Value: It was the first study carried out in a national context on the constructs (human capital, absorptive capacity and innovation) in the maquiladora industry, contributing to identify human capital as an investment.Objetivo: El objetivo de este estudio es investigar el efecto del capital humano y la capacidad de absorción sobre la innovación en la industría maquiladora de la región norte de México.
Marco Teórico: La capacidad de absorción potencial y realizada desempeñan roles diferentes pero complementarios (Demuner-Flores et al., 2018; Leal-Rodríguez & Albort-Morant, 2015; Zahra & George, 2002). Cassol et al. (2016) confirmaron el papel mediador de la capacidad de absorción en la relación entre capital intelectual e innovación y determinaron que existe una relación positiva entre capital intelectual e innovación.
Método: Las hipótesis y el modelo propuesto han sido contrastados con un diseño de investigación explicativo cuantitativo que implica la aplicación de un cuestionario. La técnica para el análisis de datos es SEM. El software estadístico utilizado fue AMOS y SPSS versión 24. La muestra estuvo compuesta por 127 empresas.
Resultados y Discusión: Se encontró que el capital humano tiene un efecto positivo y significativo sobre la capacidad de absorción. Sin embargo, la variable capital humano en su dimensión de especificidad tuvo un efecto positivo, pero no significativo en la innovación, contrario al efecto de la dimensión valor, que tuvo un efecto positivo y significativo en la innovación. La capacidad de absorción tuvo un efecto positivo en la innovación
Implicaciones de la investigación: Las empresas objeto de estudio se centran en incentivar el desempeño de actividades rutinarias, no en desarrollar productos y procesos innovadores a través de la capacidad de absorción.
Originalidad/Valor: Fue el primer estudio realizado en el contexto nacional sobre los constructos (capital humano, capacidad de absorción e innovación) en la industría maquiladora, contribuyendo a identificar el capital humano como una inversión.Objetivo: O objetivo deste estudo é investigar o efeito do capital humano e da capacidade de absorção na inovação na indústria maquiladora na região norte do México.
Referencial Teórico:
A capacidade de absorção potencial e a realizada desempenham papéis diferentes, mas complementares (Demuner-Flores et al., 2018; Leal-Rodríguez & Albort-Morant, 2015; Zahra & George, 2002). Cassol et al. (2016) confirmaram o papel mediador da capacidade de absorção na relação entre capital intelectual e inovação e determinaram que existe uma relação positiva entre capital intelectual e inovação
Método: As hipóteses e o modelo proposto foram testados com um desenho de pesquisa quantitativa explicativa que envolve a aplicação de um questionário. A técnica para análise de dados é SEM. Os softwares estatísticos utilizados foram AMOS e SPSS versão 24. A amostra foi composta por 127 empresas.
Resultados e Discussão: Verificou-se que o capital humano tem um efeito positivo e significativo na capacidade de absorção. Contudo, a variável capital humano na sua dimensão especificidade teve um efeito positivo, mas não significativo na inovação, ao contrário do efeito da dimensão valor, que teve um efeito positivo e significativo na inovação. A capacidade de absorção teve um efeito positivo na inovação
Implicações da Pesquisa: As empresas estudadas focam no incentivo ao desempenho de atividades rotineiras, e não no desenvolvimento de produtos e processos inovadores por meio da capacidade absortiva.
Originalidade/Valor: Foi o primeiro estudo realizado em contexto nacional sobre os construtos (capital humano, capacidade absortiva e inovação) da indústria maquiladora, contribuindo para identificar o capital humano como investimento
Effect of Hands-On Instructional Approach on Pupils’ Achievement and Retention in Cultural and Creative Arts
Get PDFPurpose: The purpose of this study was to examine the effects of a hands-on educational approach on pupils' achievement and retention in the Cultural and Creative Arts.
Theoretical Framework: The theoretical framework for this study is based on cognitive learning and experiential learning.
Methodology: Study participants were primary five pupils in Oshimili South Local Government Area, Delta State. As part of this study, ten hands-on activities were used to engage primary five pupils in the learning process. Hands-on activities included magazine family puppets, musical glasses, painting to music, PVC sculptures, roll an activity, sound boxes, sound cans, sun shadow pictures, and swinging to music. Using a quasi-experimental design, two research questions and two hypotheses were developed and tested at a 0.05 level of significance. The study involved 100 primary five pupils from ten primary schools. Participants were divided into experimental and control groups (n=50). Culture and creative arts were taught through hands-on activities in the experimental group, but not to their counterparts in the control group. Despite this, after four weeks of experimentation, pretest and posttest data were collected from both groups. Data were collected using the Cultural and Creative Arts Achievement Test (CCAT) and the Cultural and Creative Arts Retention Test (CCRT). Participants were given the instruments directly by their respective group leaders. Based on the mean and standard deviation of the test scores, ANOVA was used to test the hypotheses.
Findings: A significant effect of hands-on instruction on pupils' achievement and retention in cultural and creative arts was found. Based on the findings, the researchers recommended that pupils should be exposed to sophisticated hands-on materials to improve their achievement and retention in cultural and creative arts, and that teachers also be trained on how to use hands-on instructions in the classroom.
Research, Practical & Social Implications: The study promotes active engagement and participation, which allows pupils to actively participate in the learning process. They gain a better understanding of the subject matter and retain more information. The hands-on approach promotes creativity and problem-solving skills. Pupils are encouraged to think critically, solve problems, and come up with innovative solutions through hands-on activities. As a result, their creative thinking skills are enhanced, and they are prepared for future challenges in the creative arts industry.
Originality/Value: In the cultural and creative arts domain, hands-on instructional methods offer originality and uniqueness. Pupils gain a deeper understanding of subjects through interactive and hands-on classroom experiences. Hands-on activities can assist teachers in creating a more engaging and effective learning environment, resulting in improved pupil performance and retention
MONITORING AND EVALUATION TOOLS AND PERFORMANCE OF CLIMATE SMART AGRICULTURAL PRODUCTIVITY PROGRAM IN KITUI COUNTY, KENYA
Get PDFObjective: The objective of this study was to investigate how monitoring and evaluation tools influence performance of climate smart agricultural productivity program in Kitui County, Kenya.
Theoretical Framework: Theory of change and systems theory stand out, providing a solid basis for understanding the context of the investigation.
Method: Descriptive survey, cross sectional and correlation research designs were used in the study. The sample size was 260 respondents. An open and close-ended questionnaire was used to collect data, which was analysed using descriptive and inferential statistics.
Results and Discussion: The results revealed that monitoring and evaluation tools have significant influence on performance of climate smart agricultural productivity program in Kitui County, Kenya. The study recommended that Monitoring and evaluation tools is a significant predictor of project performance. Therefore, program-implementing agencies should endeavour to incorporate monitoring and evaluation tools in their programs during design and implementation stages.
Research Implications: With increasing focus by the government in promoting agriculture for food and nutrition security, National Agriculture Research Systems institutions require more investments in innovative and beneficiary focused approaches. Policy makers benefit from the outcomes of the current study in developing stratagems to enhance performance of agricultural programs.
Originality/Value: This study contributes to the literature by empirically establishing that monitoring and evaluation tools has a significant influence on performance. Further, it contributes to the theory by validating the theories underpinning the study