International Journal of Management Research and Emerging Sciences
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Analysis of Knowledge Management, Organizational Ambidexterity and Financial Innovation in Banking Sector
Full text linkThe banking industry is the backbone of an economy. The competition in the banking sector and the threat of a third financial crisis require banks to become more effective and efficient. It may be accomplished through financial innovation. The primary purpose of the research is to develop a framework for fostering financial innovation through evaluating the relationship among knowledge management (KM), organizational ambidexterity (OAMB), and level of financial innovation (LoFI) in the banking sector and to develop a framework. To achieve the research aim, a survey was carried out among the commercial banks of Pakistan. The findings of this research are based on 383 responses from Pakistan. The collected data was analyzed using structural equational modeling. Findings indicated that KM significantly influenced OAMB and LoFI, and OAMB significantly influenced LoFI. Moreover, organizational climate (OC) moderated the relationship between KM and OAMB, and environmental dynamism moderated the relationship between OAMB and LoFI. The researcher also analyzed the relationship between OAMB, KM, and LoFI and found that OAMB mediated the relationship between KM and LoFI. Based on the research findings, the researcher suggested that banks should enhance the level of KM and OAMB as these two things increase LoFI. Banks should also foster OC in a way that may enhance learning and sharing. Likewise, banks should also critically appraise the external environment to increase LoFI
Effects of Authentic Leadership on Innovative Work Behavior: Psychological Capital as Mediator and Organizational Unfairness as Moderator in Pakistani Public Sector Organizations
Full text linkThe purpose of this research is to determine the effects of authentic leadership on innovative work behavior (IWB) in the context of Pakistan’s public sector organizations, with the mediating effect of psychological capital and moderation by organizational unfairness. This study adopted a quantitative research design and questionnaires were used to collect data from 314 respondents, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) technique. The outcomes show that the degree of authentic leadership has a positive impact on the level of IWB. As in the case of psychological capital, it is effective in mediating this relationship, thus underlining the significance of leaders supporting self-efficacy, hope, resilience, and optimism among the workforce to enhance innovation. Furthermore, the organizational unfairness to a great extent moderates the relationship between authentic leadership and IWB; the role of the right environment in encouraging employees’ innovation. This research fills the gap in the literature by describing and explaining authentic leadership and innovation in the context of the public sector organizations. The managerial implications stress the significance of the leadership development initiatives aimed at strengthening the authentic leadership in organizations and creating the supportive environment that would help improve creativity and organizational performance
Determinants Shaping Choices for Robo and Human Advisors in The German Financial Market: The Analysis of Retail Consumers
Full text linkThe financial industry has witnessed the emergence of robo-advisory, a Fintech breakthrough resulting from the integration of digitalisation in the era of robo-technology. The adoption of technology and Artificial Intelligence (AI)-based advisors are now becoming common in different functions of everyday life. The financial technology market is also heading in the same direction. This research is aimed at performing an analysis of consumer perspectives on the adoption of robo-advisors in the German financial industry. For this purpose, this study intends to investigate the impact of opportunities, and threats on the intention to use robo-advisors by the German retail investors. This study uses cross-sectional data from 145 respondents using an online questionnaire to analyse factors impacting retail consumer decision-making regarding human and robo-financial advisors in Germany. Two step PLS-SEM model is applied to analyse the data. It is concluded that men, younger individuals (aged 18-35 years), those with higher financial literacy (master’s degree), and income (more than -500 euros) groups are more likely to invest through robo-advisors. The findings of PLS-SEM show significant positive relation between opportunities and intention to use robo-advisors. The findings further show significant negative relation between threats and intention to use robo-advisors. Robo-advice can contribute to financial inclusion and help financially less literate investors to invest in the capital markets. If the regulators of robo-advisors and robo-advisors themselves can ensure a high degree of precision and suitability for investors, then robo-advice has a great potential to balance, irrespective of replacing traditional financial advisors in the future
The Influence of Earnings Volatility on the Association among Leverage and Real Earnings Management
Full text linkThe association between leverage (LEV) and Real Earnings Management (REM), as well as how the volatility of earnings affects this relationship, are examined in this paper. The study sample comprises all non-financial companies listed on the Pakistan Stock Exchange from 2004 to 2018. Due to the endogeneity issue between the variables and the two-step system Generalized Method of Moment (SYS-GMM) dynamic panel estimator, business risk will be used as an interaction term in the hypothetical model to examine the association between LEV and REM. The model will be further elaborated using agency theory and positive accounting theory. After examining the connection between LEV and REM, the study will examine how business risk affects earnings volatility for the Pakistan Stock Exchange
Top Management Dynamics and Audit Quality: A Comprehensive Bibliometric Analysis
Full text linkThis article investigates the connection among Top Management Team (TMT) characteristics and audit quality, focusing on how leadership attributes such as expertise, diversity, tenure, and risk management influence corporate governance and audit outcomes. Given the increasing demands for transparency, accountability, and robust financial reporting, the involvement of TMTs in guaranteeing audit quality has become more critical. We reviewed 255 articles published between 1996 and 2021 to analyze key trends, core publications, and influential themes related to TMT characteristics and audit quality. The study uses bibliometric analysis tools, including co-occurrence networks and thematic maps, to uncover the central themes in the literature. Audit quality, corporate governance, and audit fees emerged as dominant topics, while emerging areas such as board quality and internal audit quality suggest new opportunities for future research. The findings underscore the pivotal role of TMT characteristics in shaping governance practices, demonstrating that strategically shaping TMT composition through board size, diversity, and expertise can significantly enhance audit quality, reduce aggressive earnings management, and improve overall governance frameworks. This research provides practical insights for industries, particularly large enterprises and the banking sector, where audit quality is critical for maintaining financial stability. It also contributes to the academic literature by underscoring the interconnectedness of TMT characteristics and audit quality, offering valuable recommendations for scholars and practitioners. Organizations can optimize leadership structures to ensure stronger governance and reliable financial reporting by understanding how TMT attributes influence audit processes
Antecedents and Consequences of Consumer Engagement with Food Influencers from Social Media
Full text linkIn today\u27s marketing landscape, social media influencers influence consumer perceptions, emotions, and purchasing decisions. This study seeks to delve into how the attributes of food influencers, such as perceived enjoyment, professionalism, and credibility, impact consumer engagement and behavioral intentions towards food products. The current study employed an empirical design, utilizing an online questionnaire survey. 386 participants took part in the survey, yielding 298 valid responses. Structural Equation Modelling (SEM) was used to test the hypotheses. The survey results indicate that perceived enjoyment and perceived professionalism significantly impact engagement with influencers, which, in turn, positively influences behavioral intentions. Additionally, perceived credibility did not affect substantially the followers\u27 behavioral intentions. This study adds to the understanding of food influencers, exploring how consumer engagement with food influences their behavioral intentions. Specifically, food influencers\u27 personality attributes have not been thoroughly examined in the context of food influencer behavior until now. This research employs the principles of uses and gratification theory to shed light on this previously unexplored area. This study explains that food influencers must try to engage consumers emotionally with professional content to influence purchase intentions emotionally
Efficiency of Microfinance Banks and Institutes: In Creation of Self-Employment in Pakistan
Full text linkThe aim of this research is to make comparison between the microfinance banks and microfinance institutes in creation of self-employment in Pakistan. The data extract from the years 2018-2022, the 4 financial banks and institutes has been taken. The different types of profitability ratio are used in this research. The population of the research is twenty-seven but the sample size of this research is eight and the random sampling technique is used. The SPSS was used and the t-test was applied to the data. To analyze for the purpose of investigating for their performances. The various ratios to apply for their productivity, rates of lending loans as well as how much people got loans from them and what are the criteria of lending loans, feasibility of lending the loans and profitability trend in each sector. This research concludes that after applying all the ratios analyzing its return and seeing the efficiency of microfinance banks and institutes, as their major focus is to make the country prosperous by lending the loan to the people as it has consumed less days to grants loans that creates self-employment in Pakistan. The researcher comes to this point that from considering all the facts and figures, terms and conditions, rules and regulations of all aspects of microfinance banks and institutes. The basis of this research, its profitability is more, the customers are more attracted towards it. The less working days it consumes than the other ones. Its liabilities and expenses are less than the others.
Unveiling the Changing Capital Structure Dynamics in the Oil and Gas Industry: Evidence from Pakistan
No full textFirm-specific considerations impact decisions about capital structure. A few investigations have been done in Pakistan\u27s oil and gas sector. Most studies have examined the effect on non-financial firms and the textile industry. As this sector is very attractive for investors, The influences on capital structure decisions must be considered. In this study, only firm-specific factors are considered for analysis. The effect of asset structure, financial distress (earning volatility), non-debt tax shield, liquidity, firm size, profitability, and firm growth on capital structure decisions are examined. For this, data ranging from 2007 – 2021 of the firms working in Oil and Gas sector of Pakistan was used. The pool regression approach was applied. As per the results, tangibility and liquidity have an inverse relationship; non-debt tax shields and firm size directly affect profitability, and growth does not impact the capital structure
Impacts of Macroeconomic Variables on Foreign Exchange Rate of SAARC Member Countries
Full text linkExchange rate (EXR) stability is crucial for especially the developing economies. This study examines the macroeconomic variables which affect EXR in member countries of South Asian Association for Regional Cooperation (SAARC). To do the analyses, data from 1981 to 2019 was relied upon. To estimate the long-run coefficients, Fully Modified Ordinary Least Square (FMOLS) is incorporated. The outcomes of FMOLS exhibit that the variables such as trade, inflation, GDP, total debt services, trade openness, and tariff rate are inversely related to EXR while broad money is found to affect the EXR in positive. As a policy prospect, The Central Bank (CB) is needed to follow tight monetary policy to curtail liquidity of money in economy. It is recommended that CB to discourage government project financing that is to cause increase in money supply but to initiate trend line to facilitate GDP growth, trade, and imposition of tariff to curtail rising EXR
Performance Dynamics of Male and Female Entrepreneurs in Pakistan: A Qualitative Comparison
Full text linkIn recent years, focus on women entrepreneurship has increased and women are encouraged to perform an active economic role in the modern societies. However, it has been argued that women owned and operated entrepreneurial ventures exhibit poor performance, raising questions on the entrepreneurial potential of the women. Another line of argument highlight that women are different than men, leading them to have different entrepreneurial aspirations. Considering this theoretical premise, this study adopts a social role perspective to explain differences of entrepreneurial performance of women entrepreneurs in Pakistan. By employing a qualitative research design and collecting data from 19 male and female entrepreneurs in Pakistan, this study finds indications that social roles influence the performance orientation of male and female entrepreneurs. It was also found that male entrepreneurs have a more material and financial approach to relate to their entrepreneurial performance as they stressed more on profitability, cash flows, and material growth. On the other hand, female entrepreneurs exhibit a more peoples-oriented approach. They seemed to focus more on their stakeholders like customers, family, employees, and society at large. The study concludes that both male and female entrepreneurs have different performance orientations, and a unidimensional performance comparison of entrepreneurial performance of male and female is futile. Therefore, future practice and research on women entrepreneurship should consider a feminist perspective of entrepreneurial performance, where women entrepreneurs might be interested in self-fulfillment and empowerment and not in material growth or financial outcomes. The scope of this study is delimited to educated women entrepreneurs, living in metropolitan areas of Pakistan