International Journal of Professional Business Review
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The Real Effects of Fintech on the Global Financial System
Get PDFPurpose: Financial technology (FinTech) entails radical changes for every facet of financial services, and has increasing significance for the global economy. The purpose of this paper is to present a birds’ eye view of salient effects of Fintech on the global financial system.
Design/methodology/approach: A literature review approach is adopted, with analysis revealing that the absence of institutional support for new financial technologies is the most significant reason for the destabilization of the financial industry, and the formation of financial bubbles in various market segments. The current implications and future directions are explored based on theoretical and empirical analyses.
Findings: This study contributes to the advancement of knowledge by summarising current practices, providing new insights, and monitoring emerging trends in financial technologies, as well as shedding light on a variety of topics of interest to policymakers and academics by proposing future research topics.
Practical implications: This study emphasises the current status of research in the field of financial technology, which can assist policymakers and institutions in selecting their future actions.
Originality/value: Very few studies have conducted an exhaustive literature assessment on Fintech and its impacts on the global financial system
Export of some key Agricultural products of Vietnam
Get PDFPurpose: The article is made to analyze the current situation of export activities of some key agricultural products of Vietnam, especially in the context of the world economy being heavily affected by the Covid-19 pandemic. Economies including Vietnam’s agricultural exports. Stemming from that practical requirement, the author proposes a number of solutions to overcome supply chain disruptions, to cope with the new context that creates momentum for the recovery and growth of Vietnam's agricultural economy by 2025.
Design/methodology/approach: Research using the export approach of key agricultural products in a dynamic state, considering the impact of many factors, in which the influence of the Covid-19 pandemic is emphasized. disruption of supply chains from production to consumption of Vietnamese agricultural products. The study uses the research method to synthesize documents from reliable data and information sources of the economy such as MBS, CEIC, GSO of Vietnam, Ministry of Agriculture and Rural Development of Vietnam.
Findings: The research results achieved the following contents: theoretical overview of key agricultural exports, agricultural development in a new context. The article analyzes the current status of the role of agriculture and the export of key agricultural products in economic development in Vietnam; Impact of the Covid-19 epidemic on the production of key agricultural products of Vietnam; Impact of the Covid-19 pandemic on Vietnam's key agricultural exports. The article proposes some solutions to export Vietnam’s key agricultural products in the new context from the perspective of the state to actors in the value chain of Vietnam’s key agricultural exports in the new context until 2025.
Research, Practical & Social implications: Research results are references for scholars interested in the field of agricultural economics, business and commerce; policy makers of agricultural economics in Vietnam. The Vietnamese government seeks and expands new markets in the direction of official channels to avoid price pressure. To do this, businesses need to pay attention to product quality, traceability, and packaging to comply with regulations and standards of key importing countries of Vietnam’s agricultural products by 2025.
Originality/value: On the basis of a theoretical overview of the export of key agricultural products, agricultural development in a new context. The author analyzes the current status of the role of agriculture and the export of key agricultural products in economic development in Vietnam; Impact of the Covid-19 epidemic on the production of key agricultural products of Vietnam; Impact of the Covid-19 pandemic on Vietnam’s key agricultural exports. On that basis, the author proposes some solutions to export Vietnam’s key agricultural products in the new context from the perspective of the state to actors in the value chain of Vietnam’s key agricultural exports
The Effectiveness of Digital Financial Inclusion in Improving Financial Capability
Get PDFPurpose: The aim of the study is to identify by exploring why digital financial inclusion has become more difficult recently. To find out what challenges faced by people where issues of financially excluded, deep-rooted problems have arisen in the path of inclusive economic development.
Theoretical Framework: The financial success of the digital age is inspiring people. The digital revolution unfolds more opportunities for stakeholders to increase the inclusivity in finance of all eligible individuals with the help of technology.
Design/Methodology/Approach: Any technological advancement will inevitably have both beneficial and bad effects. It is apt to focus on minimising any potential drawbacks. A wide range of assessments of the concept of digital financial inclusion, a literature review culminates as the foundation for the research design and subsequently highlights some pertinent issues.
Findings: The study observed that the development of digital technology has made it a potent weapon for financial inclusion. The study points out ample space for adopting and adapting some uniqueness and good practices in the context of the place. Initiatives like Governmental person-to-person payments, domestic remittances, etc have a special significance for the financial inclusion of disadvantaged populations.
Practical & Social implications: Create a digital platform to increase gender equality, minimize poverty, and enhance educational access. Greater disclosure of information and call for ingenious financial product designs.
Originality/Value: Revisiting and restructuring frameworks for banking and financial institutions. Key players need to come together and collaborate in the process of a comprehensive reformative path
Using the Induced Response Function to Measure and Analyze the Impact of Fiscal Policy Shocks on Some Macroeconomic Variables
Get PDFPurpose: The purpose of this research is to use the induced response function to measure and analyze the reality of the general budget and the trade balance and the impact of the flexible fiscal policy on some macroeconomic variables.
Theoretical framework: The public finances after 2003 in Iraq were oriented towards consumerism, far from the orientations and objectives of economic policy, through the increase in commercial expenditures at the expense of investment expenditures, in contrast to the increase in the volume of imports of goods and services with the dominance of oil exports over the volume of total exports, and these factors Together, they made the flexible fiscal policy unable to achieve its goals, foremost of which is economic stability.
Design/methodology/approach: The study starts from the hypothesis. The fiscal policy shocks were deliberately created by the government as part of strategic plans that serve its policy, philosophy, and goals it seeks, or as preventive plans against undesirable events, or may occur within treatment plans in response to certain pressures. To achieve the objectives of the study and to prove or refute the mentioned hypothesis, the research relied on the descriptive analysis method To reach the required results. Depending on the period from 2003 to 2018 (Iraq is a case study).
Findings: The shock that was occurring in the financial policy tools were fabricated by the decision-makers to meet the needs of the security side, which was reflected in its shadows on the increase in current spending resulting from the wages and salaries system and allocations directed to the security system to achieve stability and control the security situation, in addition to the political repercussions that increased the level of employment or Operation to achieve other goals.
Research, Practical & Social implications: Future studies can look at measuring and analyzing the impact of fiscal policy shocks on macroeconomic variables or their repercussions on economic, social, and political policies.
Originality/value: This study contributes to the literature related to fiscal policy by analyzing the results of the impact of financial shocks on some macroeconomic variables, and provides a practical and applied perception of the role played by the fiscal policy methodology in Iraq.
EFEITO DE MEDIAÇÃO DA PUBLICIDADE DE INFORMAÇÕES CRIATIVAS NO MARKETPLACE ONLINE, ALCANCE DE MERCADO E MARKETING DE INFLUENCIADOR PARA VENDAS DE PRODUTOS
Get PDFPurpose: This study aims to determine the effect of creative information advertising as a mediation between market expansion and influencer marketing on the number of sales in the online market.
Theoretical framework: The design of creative information advertising is expected to be able to mediate the expansion of market reach and the use of influencer marketing techniques for sales of goods/products, where the expansion of market reach alone is not able to directly and significantly affect sales of goods/products, as well as influencer marketing techniques in the online market. With signaling theory, it can be understood that the wider the market reach, the more diverse the characters, cultures, and capabilities of customers.
Design/methodology/approach: This is a quantitative research using purposive sampling conducted on 398 online marketers in Indonesia. Data is processed with SEM-Amos and SPSS.
Findings: This research provides benefits by building a theoretical model to understand online marketing which raises new findings related to the Signal Theory Point of View, namely the expansion of market reaches whose effect becomes significant when using influencer marketing.
Research, Practical & Social implications: The concept of creative information advertising is able to solve problems that occur between market expansion and insignificant/negative value sales.
Originality/value: This research was conducted with the aim of bridging the negative influence between market reach on product sales by including creative information advertising as an intervening variable. Therefore, the concept of creative information advertising which is a novelty for this research is tested on online marketers of micro and small businesses that use 3rd party marketplaces in Indonesia.Propósito: Este estudio tiene como objetivo determinar el efecto de la publicidad de información creativa como mediación entre la expansión del mercado y el marketing de influencers en el número de ventas en el mercado en línea.
Marco teórico: Se espera que el diseño de publicidad de información creativa sea capaz de mediar en la expansión del alcance del mercado y el uso de técnicas de marketing de influencers para la venta de bienes/productos, donde la expansión del alcance del mercado por sí sola no puede afectar directa y significativamente venta de bienes/productos, así como técnicas de marketing de influencers en el mercado online. Con la teoría de la señalización, se puede entender que cuanto más amplio sea el alcance del mercado, más diversos serán los caracteres, las culturas y las capacidades de los clientes.
Diseño/metodología/enfoque: esta es una investigación cuantitativa que utiliza un muestreo intencional realizado en 398 vendedores en línea en Indonesia. Los datos se procesan con SEM-Amos y SPSS.
Hallazgos: esta investigación brinda beneficios al construir un modelo teórico para comprender el marketing en línea que plantea nuevos hallazgos relacionados con el punto de vista de la teoría de la señal, a saber, la expansión de los alcances del mercado cuyo efecto se vuelve significativo cuando se utiliza el marketing de influencia.
Implicaciones de investigación, prácticas y sociales: El concepto de publicidad de información creativa puede resolver los problemas que ocurren entre la expansión del mercado y las ventas de valor insignificante/negativo.
Originalidad/valor: esta investigación se realizó con el objetivo de reducir la influencia negativa entre el alcance del mercado en las ventas de productos al incluir la publicidad de información creativa como una variable interviniente. Por lo tanto, el concepto de publicidad de información creativa, que es una novedad para esta investigación, se prueba en comercializadores en línea de micro y pequeñas empresas que utilizan mercados de terceros en Indonesia.Objetivo: Este estudo tem como objetivo determinar o efeito da publicidade de informação criativa como uma mediação entre a expansão do mercado e o marketing de influenciadores no número de vendas no mercado online.
Referencial teórico: Espera-se que o design de publicidade de informação criativa seja capaz de mediar a expansão do alcance do mercado e o uso de técnicas de marketing de influenciadores para vendas de bens/produtos, onde a expansão do alcance do mercado por si só não é capaz de afetar direta e significativamente vendas de mercadorias/produtos, bem como técnicas de marketing de influenciadores no mercado online. Com a teoria da sinalização, pode-se entender que quanto maior o alcance do mercado, mais diversos são os personagens, culturas e capacidades dos clientes.
Design/metodologia/abordagem: Esta é uma pesquisa quantitativa usando amostragem intencional realizada em 398 profissionais de marketing on-line na Indonésia. Os dados são processados com SEM-Amos e SPSS.
Resultados: Esta pesquisa fornece benefícios ao construir um modelo teórico para entender o marketing online que levanta novas descobertas relacionadas ao Ponto de Vista da Teoria dos Sinais, ou seja, a expansão dos alcances de mercado cujo efeito se torna significativo ao usar o marketing de influenciadores.
Implicações de pesquisa, práticas e sociais: O conceito de publicidade de informação criativa é capaz de resolver problemas que ocorrem entre a expansão do mercado e vendas de valor insignificante/negativo.
Originalidade/valor: Esta pesquisa foi realizada com o objetivo de colmatar a influência negativa entre o alcance do mercado nas vendas do produto, incluindo a publicidade de informação criativa como uma variável interveniente. Portanto, o conceito de publicidade de informação criativa, que é uma novidade para esta pesquisa, é testado em comerciantes on-line de micro e pequenas empresas que usam mercados de terceiros na Indonésia
Relevance of Employee Saving Attitude Towards Retirement Planning and Satisfaction
Get PDFPurpose: To study the relevance of employee saving attitude towards retirement planning and satisfaction.
Theoretical framework: The study discusses various variables associated with financial planning for retirement. It discusses the connection between financial knowledge among the people especially with retirement. It put forth the consequences and importance of financial literacy. It also examined the factors playing a vital role when the people are educated on financial planning.
Design/methodology/approach: The survey approach is used for primary data collection from 200 hundred respondent. The raw data was arranged in excel then analysed through “SPSS version 26”.
Findings: From the results, it is observed that the association between planning and literacy is significant and important consequences of being financially aware and indulging in planning. Teaching about several resources like workshop, seminar, correspondence etc. help significantly to employees about saving for retirement. Thus, financial literacy plays a significant role in post-retirement planning of employees.
Research, Practical & Social implications: The research may provide some insight on the relationship between attitude toward superannuation planning and the function of financial literacy. It is critical for all working people to start thinking about retirement planning early in life.
Originality/value: This article is an academic contribution that allows an understanding about the relevance of employee saving attitude towards retirement planning and satisfaction among highly educated workers in Pune's industrial district, Maharashtra
Technological Capacity and Organizational Culture: the Importance of Organizational Ambidexterity in the Banking Sector
Get PDFPurpose: The research aims to identify the role of organizational cultures mediating technological capacity in the relationship with organizational ambidexterity.
Theoretical framework: The effect of technological capacity on organizational ambidexterity is still relatively low. However, when technological capacity is mediated or supported by organizational culture, the effect of technological capacity on organizational ambidexterity becomes greater when compared to its direct effect.
Design/methodology/approach: An online poll was utilized to collect data from the highest levels of management in Indonesia's banking industry. Following nine months, 75 responders completed the surveys. We employed Smart PLS software for statistical analysis and testing hypotheses.
Findings: The findings revealed that technological capacity and organizational cultures have a beneficial effect on organizational ambidexterity. Organizational cultures mediate the impact of technological capacity and organizational ambidexterity.
Research, Practical & Social implications: The study shows that the role of technological capacity with an established organizational culture will support acceleration in achieving organizational ambidexterity. This research contributes to the existing literature by empirically examining the relationship between technological capacity, organizational cultures, and organizational ambidexterity.
Originality/value: Several research models and empirical investigations have investigated the relationship between organizational culture, technological capacity, and ambidexterity. There has been a paucity of research on the ‘technological capacity’ of the banking sector, particularly in developing nations
Perception of Prosocial Behavior in Accountability of Village Fund Management in Indonesia: the Moderating Role of Internal Control and Leadership
Get PDFPurpose: This paper will talk about how the village's money is handled and how to help other people. During this investigation, topics like accountability and leadership in managing village finances, as well as internal control, will be broken down and looked at in depth. An investigation was done in the Indonesian villages out in the countryside.
Theoretical framework: the paper discusses hypotheses related to prosocial behavior which has an impact on accountability in village government in Indonesia with a moderating effect on internal control and leadership.
Design/methodology/approach: Random selection was used to select Indonesian village officials who took part in this study. There are a total of 689 village officials who participated as respondents to this study.
Findings: The results of this study show that prosocial behavior and accountability can be controlled by leadership traits and internal control mechanisms. According to what the researchers found, these factors need to be used to change the other types of responsibility variables. Internal control has a strong and negative effect on both helping others and being accountable for how village money is spent. On the other hand, leadership has a strong and positive effect on both of these criteria. Internal control also has a big and important effect on who is responsible for how village money is spent. Strong leadership can make a big difference in both of these areas.
Research, Practical & Social implications: The implication is, by looking at the prosocial behavior that occurs within village officials, the government is expected to compile implementing regulations and policies as technical guidelines as a reference for improving internal control and also leadership so as to further increase accountability.
Originality/value: This study is among the first to test empirically the full moderating effect of leadership and internal control on the relationship between prosocial behavior and accountability in managing village funds in Indonesia
Learning Culture and Innovative Work Behaviour: Does Attitude Toward Change Matter?
Get PDFPurpose: This empirical research aimed to analyze the mediating role of attitude toward change (ATC) on the relationship between the learning organization dimensions (LODs) and innovative work behaviour (IWB) among academics with the rank of professor in Malaysian public higher education institutions (HEIs).
Theoretical framework: Organizational effectiveness, leading to sustainable goal development to happen swiftly, requires an attitude toward change (ATC) that leads to IWB among the institutional members who are undoubtedly already in a learning culture with supporting milieus.
Design/methodology/approach: 366 valid survey responses were collected using self-administered questionnaires delivered through the online survey with professors serving Malaysian public HEIs as target respondents. The study used Partial Least Square Structural Equation Modeling (PLS‐SEM) for exploratory data analysis and hypothesis testing.
Findings: The results indicate that four LODs, systems connection, strategic leadership, continuous learning and dialogue and inquiry, significantly affect IWB in the presence of ATC as a mediator. On the other hand, ATC cannot mediate the outcome of IWB substantially, testing for the following exogenous variables: team level of learning, and two different dimensions of learning at the organization level, embedded system and empowerment.
Research, Practical & Social implications: This study can be instructive for HEIs policymakers and those charged with institutional change and development. The study found that the HEIs’ effort in creating dynamic continuous learning opportunities and endless action in creating a culture of enthusiasm for questioning, timely feedback, and research enhanced the IWB through the upshot of ATC. At the structural level, encouraging active participation and contributions to global intelligence and learning-oriented leadership marks the progress of the IWB. The capacity of the HEIs to integrate people and structures ultimately reaches healthier work behaviour necessary for the present needs of creative educational institutions. Practical implications and future research opportunities are in this empirical paper.
Originality/value: The study empirically supports the strength of measures used to gauge the LODs, ATC and IWB. The mediating effects of ATC are substantial, with solid research evidence to suggest it is essential to identify what influences employee attitudes to change to facilitate and optimize employee receptiveness to change and, therefore, the likely success of HEIs change.
Pedagogical Leadership in the Educational Management of Peruvian Educational Institutions
Get PDFPurpose: determine the relationship of pedagogical leadership and educational management considering a primary level educational institution.
Theoretical framework: The literature has reported good findings on pedagogical leadership independently from educational management, which is one of the reasons why it was decided to investigate both categories.
Design/methodology/approach: Under an exploratory and basic study, with a qualitative, relational approach, the bibliographic analysis was performed, using a documentary guide.
Findings: After reviewing and analyzing the articles published in Scopus and other academic platforms, it was shown that pedagogical leadership and educational management maintain a very significant relationship, since by having certain skills of managers, teachers and administrative staff, educational management will be adequate, allowing to improve the results in educational institutions.
Research, Practical & Social implications: It is suggested that researchers study pedagogical leadership and educational management together, using a mixed survey and interview approach.
Originality/value: It was found that as long as the authorities of the educational entities exercise pedagogical leadership in each of the administrative and academic activities, there will be a better teamwork that will allow achieving institutional goals through efficient educational management