International Journal of Professional Business Review
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A Study on Role of Fintech Services Impact of Business Growth Selected a Public Sector Bank in Punjab
Get PDFPurpose: The aim of this study is to examine the role of Fintech services in the growth of Selected National Bank's business. The study looked at the 3G and 4G eras, from 2008-09 through 2021-22.
Theoretical Framework: The study main focus on banks are offering various services to their customer’s like Mobile banking, Internet banking, ATM and other services using 3G and 4G technology. These banks have heavy competition among themselves in providing latest and user friendly digital services to their customers to make them satisfy.
Design/Methodology/Approach: The study took into account the six Fintech services related to business-to-customer. For the analysis of framed objectives, the study used a quantitative research approach. The study built the Banking Technology Index (BTI) using the six Fintech services and deemed it a proxy for the bank's operations.
Findings: The study looked over the entire time period and discovered that all Fintech services have a beneficial impact on SNB's business growth. The study reveals that bank can improve the customer’s satisfaction that ultimately have the positive ripple effect on the business growth.
Research, Practical & Social Implications: The study used bivariate correlation to measure the relationship of chosen Fintech services with the BTI and discovered that the majority of the services have a substantial positive link during the 3G and 4G periods. The OLS was employed to assess how Fintech services might affect BTI and it was discovered that in the 3G time, ATM influence was greater, while in the 4G period, credit cards played a critical part in SNB business growth.
Originality/Value: The study provides the Fintech services during 3G and 4G period to the customer services Banking Technology Index, there is no literature that discusses the use of 3G and 4G services on modal to evaluate fintech banking services in the research area. As a result, the purpose of this paper is to make up for this void
Online Purchase Decision of Gen Z Students at Shopee Marketplace
Get PDFPurpose: This study's objective is to analyze the purchase decisions of Generation Z (Gen Z) university students on the Shopee marketplace. The detailed analysis was: The influences of online customer ratings, celebrity endorsers, and free shipping promotion on the purchase decision.
Theoretical framework: Gen Z is the generation that uses technology the most, especially for social contact. Therefore, Gen Z is used to online shopping. However, Gen Z is still forming and is not fully identified.
Design/methodology/approach: This study's participants were university students who had purchased on the Shopee marketplace. By purposive sampling method, the total sample gathered was 160 respondents. Multiple linear regression analysis was utilized to evaluate the data.
Findings: The findings indicated that online customer ratings did not affect purchasing decisions of Gen Z customers in the marketplace. Other variables, celebrity endorsers and free shipping promotions, affected purchase decisions.
Research, Practical & Social implications: Gen Z students are price sensitive. Gen Z students will likely be attracted to marketplaces that offer promotional offers and discounts on their products and services. Gen Z students are heavily influenced by social media, the recommendations of their peers, and brand ambassadors. Therefore, a marketplace with a solid social media presence and a positive reputation among Gen Z students will likely attract and retain their business more successfully.
Originality/value: Gen Z considers celebrity opinions more matter than ordinary customer reviews
Women Farmer's Perspectives on Climate Change and Intention to Adopt Sustainable Agriculture
Get PDFPurpose: This study highlights the significance of sustainable agriculture and delves into the views of women farmers on climate change and their aspirations to adopt sustainable farming practices.
Theoretical framework: The opportunity comes in creating fresh methods, abilities, and interventions that foster innovation. The challenge is figuring out ways to mitigate its effects and search for alternatives. Women farmers in particular need creative behaviour and decision-making power to adapt to climate change since they face resource, cultural, societal, and personal constraints.
Design/methodology/approach: To better understand how farmers think about climate change, sustainable agriculture, and related topics, we conducted structured, open-ended interviews with them. Twenty-six female farmers in the Himalayan state of Sikkim were chosen using convenience sampling. Qualitative data analysis tools were used to analyse the interview data. A web-based tool was used for sentiment analysis, which also contributed to identifying the themes.
Findings: Positive sentiments were identified in the use of organic farming for sustainable agriculture. Most respondents believed that government support is required for large-scale use of organic farming. The respondents also acknowledged the positive effects of vermicomposting. The analysis showed that vermicomposting provides good health and growth to plants and crops. Resilient crop selection was identified as a method that assists in standing against weather fluctuations.
Research, Practical & Social Implications: Crop selection based on seasons is vital for good yields. The thematic analysis also presented a positive response toward applying crop rotation, intercropping, and companion cropping. Compared to women with lower decision-making and inventive skills, women with these traits embraced more sustainable agricultural practises.
Originality/Value: Giving women in agriculture greater autonomy will thereby enhance the adoption of sustainable agricultural techniques, so enhancing food security and reducing climate change. This outcome will help achieve the Sustainable Development Goals of gender equality and climate action set by the United Nations
Service Quality Towards Retail Stores on Expected and Perceived Service Quality
Get PDFPurpose: The purpose of this research is to investigate the relationship between expected service quality and perceived service quality in retail stores.
Theoretical framework: The study will be based on the Servqual model, which measures service quality by assessing the gap between expected and perceived service.
Design/methodology/approach: The research will be conducted using a survey method. A sample of customers from various retail stores will be asked to rate their expected and perceived service quality. The data will be analyzed using statistical techniques to determine the relationship between the two variables.
Findings: The findings of the study will show the extent to which customers' expectations are met by retail stores in terms of service quality. The results will also indicate areas where retailers need to improve in order to meet customers' expectations.
Research, practical and social implications: The research will provide insight into how retailers can improve their service quality to meet customers' expectations. The findings will also be useful for retailers in developing strategies to improve customer satisfaction and loyalty. The results will also have practical implications for customers in terms of their expectations and perceptions of service quality.
Originality/value: This research paper is of immense value as it depicts the real-life service qualities that have been provided and the perceived quality of service. The wide variety of service quality and commitment of the employees to the customers and stores are also crucial (Liebrechtet al. 2021). The real-life examples are of immense significance as customer service is the need of the hour, applicable at any part of the world. Moreover, this paper has its originality by bringing forth the effectiveness of retail customer service and management of the same
Internal Control Weakness and Corruption: Empirical Evidence from Indonesian Local Governments
Get PDFPurpose: Corruption still becomes a serious problem in Indonesia in the decentralization era. This paper aims at providing a comprehensive empirical examination regarding the effect of internal control system weaknesses on corruption in Indonesian local governments (LGs).
Theoretical framework: By drawing the concept from the fraud theories and agency theory, the study explores the internal control weaknesses as corruption determinants in LGs.
Design/methodology/approach: We use secondary data from the related regulating bodies in Indonesia during 2010-2018 fiscal period from 508 LGs with total of 4530 observations, analyzed with panel data regression.
Findings: Our findings suggest that the corruption in Indonesian LGs has not experienced significant decrease during the observation period. The internal control system implementation also still has significant weaknesses that has not improved from 2010-2018. Our analysis demonstrates that internal control weakness positively affects corruption. Further analysis also reveals that all internal control weakness element also has positive effect on corruption, both the weaknesses in the budget, revenue, and expenditure administration, the weaknesses in accounting and financial reporting, and the structure weaknesses.
Research, Practical & Social implications: Based on the research findings, our study emphasizes that the internal control system implementation in Indonesian LGs needs urgent improvement to support the prevention of corruption in local level. The policymakers are required to take strategic efforts for internal control system reform in the LGs to reduce the likelihood of corruption by irresponsible local authorities.
Originality/value: The study fills the limitation in Indonesian corruption literature by providing one of the earliest empirical investigation that comprehensive covers the whole Indonesian regions.Propósito: La corrupción sigue siendo un problema grave en Indonesia en la era de la descentralización. Este documento tiene como objetivo proporcionar un examen empírico integral sobre el efecto de las debilidades del sistema de control interno sobre la corrupción en los gobiernos locales (LG) de Indonesia.
Marco teórico: Tomando el concepto de las teorías del fraude y la teoría de la agencia, el estudio explora las debilidades de control interno como determinantes de la corrupción en los GL.
Diseño/metodología/enfoque: Utilizamos datos secundarios de los organismos reguladores relacionados en Indonesia durante el período fiscal 2010-2018 de 508 LG con un total de 4530 observaciones, analizados con regresión de datos de panel.
Hallazgos: Nuestros hallazgos sugieren que la corrupción en los GL de Indonesia no ha experimentado una disminución significativa durante el período de observación. La implementación del sistema de control interno también tiene debilidades significativas que no han mejorado desde 2010-2018. Nuestro análisis demuestra que la debilidad del control interno afecta positivamente a la corrupción. Un análisis más detallado también revela que todo elemento de debilidad del control interno también tiene un efecto positivo sobre la corrupción, tanto las debilidades en la administración del presupuesto, los ingresos y los gastos, las debilidades en la contabilidad y los informes financieros, como las debilidades estructurales.
Implicaciones de investigación, prácticas y sociales: en base a los hallazgos de la investigación, nuestro estudio enfatiza que la implementación del sistema de control interno en los GL de Indonesia necesita una mejora urgente para apoyar la prevención de la corrupción a nivel local. Los formuladores de políticas deben realizar esfuerzos estratégicos para la reforma del sistema de control interno en los GL para reducir la probabilidad de corrupción por parte de autoridades locales irresponsables.
Originalidad/valor: el estudio llena la limitación en la literatura de corrupción de Indonesia al proporcionar una de las primeras investigaciones empíricas que cubre de manera integral todas las regiones de Indonesia.
Objetivo: A corrupção ainda se torna um problema sério na Indonésia na era da descentralização. Este artigo visa fornecer um exame empírico abrangente sobre o efeito das deficiências do sistema de controle interno sobre a corrupção nos governos locais indonésios (GLs).
Referencial teórico: Ao extrair o conceito das teorias da fraude e da teoria da agência, o estudo explora as fraquezas do controle interno como determinantes da corrupção nos LGs.
Desenho/metodologia/abordagem: Usamos dados secundários dos órgãos reguladores relacionados na Indonésia durante o período fiscal de 2010-2018 de 508 GLs com um total de 4.530 observações, analisados com regressão de dados em painel.
Resultados: Nossas descobertas sugerem que a corrupção nos GLs indonésios não experimentou diminuição significativa durante o período de observação. A implementação do sistema de controle interno também ainda apresenta deficiências significativas que não melhoraram em relação a 2010-2018. Nossa análise demonstra que a fragilidade dos controles internos afeta positivamente a corrupção. Uma análise mais aprofundada também revela que todo elemento de fraqueza do controle interno também tem efeito positivo sobre a corrupção, tanto as fraquezas no orçamento, receitas e administração de despesas, as fraquezas na contabilidade e relatórios financeiros, quanto as fraquezas da estrutura.
Pesquisa, implicações práticas e sociais: Com base nos resultados da pesquisa, nosso estudo enfatiza que a implementação do sistema de controle interno nos GLs da Indonésia precisa de melhorias urgentes para apoiar a prevenção da corrupção no nível local. Os formuladores de políticas são obrigados a realizar esforços estratégicos para a reforma do sistema de controle interno nos GLs para reduzir a probabilidade de corrupção por parte de autoridades locais irresponsáveis.
Originalidade/valor: O estudo preenche a limitação na literatura de corrupção da Indonésia, fornecendo uma das primeiras investigações empíricas que cobrem todas as regiões da Indonésia
The Impact of Macroeconomic Variables on the Performance of Islamic Banks: an Empirical Study
Get PDFPurpose: The study examines the impact of macroeconomic variables (economic growth, public debt growth, inflation, foreign direct investment, and balance of payments) on the performance of Islamic banks (return on assets, return on equity, and return on equity).
Theoretical framework: These economic changes have also reduced the level of working capital in financial institutions, including Islamic banks, making it difficult for them to determine the best course of action (Kotz, 2009).
Design/methodology/approach: The study used multiple linear regression analyses of periodic data for Jordanian Islamic banks in Jordan during the period (2007-2021).
Findings: The findings demonstrated a positive correlation between macroeconomic factors and performance, except for foreign direct investments, which have a negative effect on performance because they require the use of external financial resources. This means that the country's use of expansionary fiscal policy or expansionary monetary policy leads to better performance.
Research, Practical & Social implications: The researcher points out that the government should use an expansionary fiscal and monetary policy, and foreign investors should use the funds of Islamic banks in financing and investments to improve the performance of Islamic banks.
Originality/value: The performance of Islamic banks will improve despite the high rates of inflation, public debt and balance of payments, and the decline in foreign direct investment
Moderation Effect of Interest in Purchase of Non-Subsidy Fertilizer
Get PDFPurpose: Companies distributing non-subsidized fertilizers should pay attention to farmers' buying interest to optimize the variables influencing purchasing decisions.
Theoretical framework: Efforts to market non-subsidized fertilizer products require the right strategy, including those related to price, product quality, and promotion, to attract potential buyers and purchase products as consumers from the company.
Design/methodology/approach: This study analyses the direct effect of price, product quality, and promotion on purchasing decisions at the Mega Eltra Makassar branch company and the moderating effect of the purchase intention variable. This quantitative research uses questionnaires to 200 respondents whose data were processed using SmartPLS 4.
Findings: The results showed that price and promotion directly or moderated by purchase intention could not significantly influence consumer purchasing decisions for non-subsidized fertilizers. Product quality directly affects the decision to buy non-subsidized fertilizers; however, it is not significant if buying interest is a moderating variable.
Research, Practical & Social implications: Consumers of non-subsidized fertilizer Mega Eltra Makassar company Branch is the population in this study whose details cannot be known with certainty because the records at the company only include the number of products sold and their turnover.
Originality/value: This study concludes that the quality of the fertilizer influences the decision to purchase non-subsidized fertilizer from farmers compared to the offer or promotion price. Interest in buying non-subsidized fertilizers still needs to guarantee the purchase decision-making process
The Role of Information Management Systems in the Implementation of the Digital Economy Development Strategy
Get PDFPurpose: The aim of this study is to demonstrate the role that management information systems can play in developing the digital economy.
Theoretical framework. The theory of optimal discrete-continuous control, the principles of Pontryagin, Bellman and Markov and the theory of the development of digital interactions were used.
Design/methodology/approach: The systematic literature review was built from the content analysis of papers from the Web of Science and Scopus database. The papers were analyzed from descriptive, bibliographic, methodological, results and citation characteristics.
Findings: From the results, it was noted that Russia is the absolute position in studies related to digital economies and the role that management information systems can play in developing and achieving strategic development, growth and efficiency.
Research, Practical & Social implications: Many more publications could not be included for generalisation reasons because the study included data from two databases. Additionally, our research shows that there aren’t many journals that have written about cause-related digital economy.
Originality/value. A model of digital control and development of digital interactions has been proposed and investigated, which takes into account the influence of the "white noise" effect in the system
Awareness on Entrepreneurial Orientation Among Management Students in Vellore
Get PDFPurpose: Thus, the objective of this study was to analyze, by means of multivariate techniques, an instrument whose function is to measure the learning of teaching Entrepreneurship, verifying the change in the entrepreneurial profile between participants and non-participants of the entrepreneurial formation process. The research was carried out among university students of the Business Administration course, Vellore.
Theoretical Framework: Entrepreneurship is a socio-economic phenomenon that has been valued for its influence on the growth and development of regional and national economies. The main agent promoting this phenomenon is the entrepreneur; a subject endowed with multiple characteristics who act in a dynamic way and is focused on reaping results, the fruits of their personal efforts. The insertion and search for enterprising subjects in different societies have been noticeable in public, economic and educational programs and policies. Entrepreneurial education is highlighted as one of the most efficient ways to disseminate culture and train new entrepreneurs. From this perspective, the teaching of Entrepreneurship stands out as a resource used for the formation of new entrepreneurs.
Design/Methodology/Approach: The present study aims to analyze the entrepreneurial intention of students from four Institutions in Vellore, relating it to entrepreneurial self-efficacy and academic self-efficacy, and to try to understand which factors influence it. The sample of this study consists of 290 students from four Institutions in Vellore, of which 114 (39.3%) are male and 176 (60.7%) are female.
Findings: Regarding the degree of importance that students attribute to the Institution support structures for the creation of a company, there is a statistically significant difference, in which the GTEC students stand out, who are the ones who attach the most importance to ”Spaces and equipment for starting the business". With regard to the remaining questions, there are no statistically significant differences between the mean values of the answers given depending on the Institution.
Research, Practical/ & Social Implications: In the analysis of the differences between Institutions, it was verified the existence of statistically significant differences in the questions related to the desire to create their own company and to have a concrete business idea to create, in which SPIM showed a higher average in relation to the other three Institutions. Regarding the other two research questions, “I consider myself capable of creating a company”, and “I am able to work on my own”, there were no statistically significant differences between the four Institutions.
Originality/Value: The present study adds value among the management students with regard to the awareness on entrepreneurship which leads to the country’ economic development
Job Analysis in Organizations: Transition From Traditional to Strategic
Get PDFPurpose: The aim of the study is to highlight essential elements of job analysis techniques, discusses innovative approaches, and the strategies adopted by organizations to improvise the Job Analysis procedure.
Theoretical framework: Technological advancements and dynamic work environments have changed the means and methods through which job analysis procedure was managed earlier. HR professionals are now exploring innovative approaches and strategies to job analysis which are essentially compatible with the present-day organizational situation. To achieve this objective, human resources operations should be incorporated into the company's strategic management process. Professional experts of human resources should construct a compatible HR management system to support the organization implement its strategic objectives.
Design/methodology/approach: The methodology is primarily based upon secondary data. For this, extant literature related to the topic from different databases, websites, and other available sources was gathered. A logical and orderly review of the accumulated literature was completed.
Findings: The findings envisage the need for a well-established job analysis framework with all the elements needed to help human resource personnel updated about the changes in the work force concerns around them, make meticulous decisions using job data, and communicate effectively through all the departments in their organization.
Practical implications: The study intends to provide managers with a detailed framework of job analysis practices in organization enfolding both the traditional and modern methods and suggesting probable ways to implement them.
Originality/value: The paper is basically a descriptive viewpoint that may contribute positively to the extant literature, academicians, professionals and other related streams of the discipline