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Evaluating the Effectiveness of Digital Trade Payment Systems in Facilitating Export Growth in Emerging Economies
Get PDFThis paper highlights the role of digital trade payment systems in improving the export growth of emerging economies. Drawing on a comprehensive review of technological innovations, including mobile wallets, blockchain-based platforms and regional real-time settlement systems, the paper explores how these digital platforms reduce transaction costs, improve settlement speed and foster financial inclusion. Empirical evidence from countries such as Nigeria, India and Brazil shows that the widespread adoption of digital payment platforms is correlated with increased export businesses, particularly among micro and small enterprises. The analysis highlights key theoretical frameworks, transaction cost economics, network effects and institutional interoperability that explain the mechanisms linking digital payments to export expansion. Additionally, the study identifies persistent challenges, including cybersecurity risks, regulatory framework, infrastructure gaps and high compliance costs, which hinder the full realization of potential benefits. Policy implications emphasize the importance of harmonized regulations, interoperability standards, digital identity systems and public-private partnerships to unlock the full trade-facilitating potential of digital payment systems. Overall, the findings confirm that strategic investments and policy actions are crucial for leveraging digital trade payment systems to achieve sustained, export growth in emerging markets
ECOLOGY OF Utricularia aurea Lour. IN THE WATERS OF SRIWIJAYA UNIVERSITY, OGAN ILIR; NUMBER OF BLADDER, EMERGENCE AND INSPECTION OF PREY IN IT
Get PDFShallow water ecosystems such as artificial ponds or swamps, especially on campus, play an important role in maintaining micro-ecological balance. These aquatic ecosystems contain unique aquatic plants that are rarely studied in depth, one of which is Utricularia aurea. Utricularia aurea has the ability to capture small organisms such as rotifers, copepods and even mosquito larvae in the early instar phase or stage. In general, the ecological research of Utricularia aurea at Sriwijaya University provides an understanding of its interaction with prey organisms in its natural habitat, as well as an opportunity to assess the potential of this plant as a biological control. This triggered curiosity to find out about the number of bladders, the initial position of bladder appearance in Utricularia aurea plants, and what types of prey are found in Utricularia aurea bladders in Sriwijaya University waters. The method used in this research is a combined method that includes quantitative and qualitative methods. The average number of bladders found on the tip of Utricularia aurea along 10 cm in the pond near the FISIP building of Sriwijaya University was 2,029 bladders while in Lake Unsri Taman Firdaus was 3,216 bladders. Bladder appears since the first modified leaf sequence although its shape is very microscopic. Prey found in the bladder of Utricularia aurea collected from Sriwijaya University waters for now found 5 prey which are Daphnia sp., Arrenurus sp., Closterium sp. as well as additional prey from the order Trombidiformes and Coleoptera which can only be identified to the order level
From Theory to Practice: Insights from a Brazilian Real Estate Development Project Negotiation
Get PDFThis article examines a complex negotiation for a challenging real estate development project in Campinas, Brazil. This research elucidates the problems and possibilities that emerge throughout the negotiating process when several parties with conflicting interests intersect. This research takes a closer look at the intricate negotiation process in the realm of real estate development. The content analysis evidences the importance of value creation before value distribution and building strong relationships when navigating these complex discussions. Ultimately, these interpersonal aspects can really shape the success of the outcomes in real estate projects. As the parties worked through the complex web of interests and limitations, unexpected solutions emerged, driving in unexpected directions
Strategic Negotiation in Consumer Disputes: A Telecommunications Case Study
Get PDFThis article offers a comprehensive single-case analysis of negotiation strategies in a consumer lawsuit. The plaintiff has filed a declaratory action against the telecommunications company to get paid for moral damages. As the parties engage in a delicate dance, each strives to attain its objectives. The article goes into great detail about how negotiations work, pointing out both the problems and the chances that come up when trying to use theoretical ideas in real-life conflicts. This article talks about negotiation strategies and how important it is to know what people really want and how to make things better when there is a disagreement
TEACHERS’ APPLICATION OF ARTIFICIAL INTELLIGENCE TOOLS AND STUDENTS’ PERFORMANCE IN SECONDARY SCHOOLS IN ANAMBRA STATE
Get PDFArtificial intelligence (AI) is redefining pedagogical practice globally, offering teachers tools to personalize learning, assess performance efficiently, and make data-informed instructional decisions. However, the application of AI-driven technologies in Nigerian secondary schools remains in its infancy, with limited empirical evidence from Anambra State. This study investigated the relationship between teachers’ application of AI tools and students’ academic performance in secondary schools in Anambra State. Four research questions guided the study and four null hypotheses were tested. The study adopted a descriptive survey research design using a population of 4,562 teachers and 89,740 students across 266 public secondary schools. A sample size of 380 teachers and 720 students was selected using a multi-stage sampling technique. A structured questionnaire developed by the researchers was used for data collection. Cronbach Alpha method was used to establish the reliability which yielded coefficient values of 0.82, 0.79, 0.85 and 0.83 for the four clusters. Out of 380 teacher questionnaires distributed, 367 were completed and returned, giving a 96.6% return rate. Data collected were analyzed using both descriptive and inferential statistics: Descriptive statistics (mean and standard deviation) were used to answer the research questions. Inferential statistics such as Pearson Product Moment Correlation (PPMC) and Multiple Regression Analysis were employed to test the hypotheses at a 0.05 level of significance. The result s showed that teachers’ in Anambra State moderately apply adaptive learning platforms, automated assessment systems and intelligent tutoring systems in instructional delivery. There is a strong positive and significant relationship between teachers; application of AI tools and students’ academic performance. The study concluded that teachers’ effective application of AI tools enhances instructional quality, student engagement and learning outcomes. Therefore, it was recommended among others that educational authorities and ministries should organize continuous professional development workshops to enhance teachers’ competencies in using adaptive learning platforms and intelligent tutoring systems
MANAGERIAL SKILLS AND EMPLOYEE PERFORMANCE OF SUPERMARKET IN YENAGOA BAYELSA STATE
Get PDFThis study examines the relationship between managerial skills specifically leadership style, communication skills, and technical expertise and employee performance in selected supermarkets in Yenagoa, Bayelsa State, Nigeria. Adopting a quantitative survey design, structured questionnaires were administered to 156 employees across 15 supermarket outlets. A total of 131 completed responses were retrieved, representing a 90% response rate and providing a robust data set for statistical analysis. Descriptive findings reveal that the workforce is relatively young, educated, and experienced, with a majority holding tertiary qualifications and having between one and six years of professional experience. Respondents generally viewed managerial practices positively, especially in areas concerning supportive leadership, timely and clear communication, and adequate technical competence. These aspects were linked to improved employee morale, job satisfaction, and commitment to organizational goals. Inferential analysis was carried out using linear regression to test the study’s hypotheses. The results indicate a strong and statistically significant relationship between managerial skills and employee performance (R = 0.702, R² = 0.493, p < 0.01). Leadership style and communication skills emerged as particularly influential predictors. Communication skills recorded the highest impact (β = 0.275, t = 6.644, p < 0.01), underscoring the importance of clarity, openness, and information flow in the workplace. Leadership style also showed a significant effect on employee outcomes (β = 0.198, t = 3.882, p < 0.01), highlighting the value of participative and motivational leadership in enhancing workforce productivity. The study concludes that effective leadership, strong communication, and adequate technical competence among managers significantly contribute to employee performance in the supermarket sector. It recommends focused managerial development initiatives in these areas to enhance employee engagement, efficiency, and organizational effectiveness in retail operations. These findings offer practical implications for human resource strategies within Nigeria's growing retail industry
Scientometric Mapping of the Intellectual Landscape of Digital Transformation and Sustainable Supply Chain Innovation
Get PDFThe accelerating convergence of digital transformation and sustainability imperatives is reshaping global supply chains, driving both technological innovation and responsible business practices. This study maps the intellectual structure and thematic evolution of research at the intersection of digital transformation (DT) and sustainable supply chain innovation (SSCI) through a scientometric analysis of 3,680 Scopus-indexed publications from 2003 to 2026. Using bibliometric indicators and visualization tools (VOSviewer and Bibliometrix in R), the study examined publication trends, prolific authors, influential journals, institutional and country contributions, thematic clusters, and collaboration networks. Results reveal a vibrant, globally distributed, and interdisciplinary field, with China leading in publication output and countries such as Germany, Italy, and the United States achieving higher citation impact per publication. Core themes include “digital transformation,” “sustainability,” and “industry 4.0,” while emerging topics such as ESG, carbon performance, and supply chain resilience reflect growing integration of technological and sustainability imperatives. The collaboration network showcases strong intra-European and cross-continental partnerships, aligning directly with the United Nations Sustainable Development Goals (SDG 9, SDG 12, SDG 13, and SDG 17). While the field is thematically mature, opportunities remain in niche areas such as blockchain integration, Industry 5.0 applications, and digital inclusion, offering directions for advancing both research and practice
Investigating the Impact of Micro-credentials on Educational Administrators' Professional Growth and Development
Get PDFThis study investigates the impact of micro-credentials on educational administrators' professional growth and development. The study was guided by two research questions and one hypothesis. The study adopted the descriptive design. The study's population consists of 1589 teaching staff of the Rivers State University. A sample size of 477 teachers, representing 30% of the study population was determined using the simple random sampling technique. The instrument for data collection was a questionnaire named "Investigating the Impact of Micro-credentials on Educational Administrators' Professional Growth and Development Questionnaire (IIMEAPGDQ)” respectively which was developed by the researcher. The questionnaire consisted of three sections. The questionnaire was validated through the researchers’ supervisor and other expert reviews and the reliability was established using Cronbach's Alpha (α = 0.75). The reliability and validity of the instruments used were also evaluated to ensure consistent and accurate measurement. Data was analyzed using descriptive statistics, such as mean, and standard deviation to answer the research questions while the inferential statistics of the Independent t-test were used to test the hypotheses at a 0.05 level of significance which means that any results with a p-value less than 0.05 were considered statistically significant, with the aid of SPSS Version 26.0. The findings revealed that micro-credentials positively impact educational administrators' professional growth and development. The study concluded that micro-credentials enhance administrators' professional competence, job performance, and career prospects. Based on the findings, it was recommended among others that institutions should prioritize the integration of micro-credentials into their professional development programs, leveraging their potential to enhance educational administrators' skills and expertise
Numerical Solution of Fractional order Chlamydia Model Via the Generalized Fractional Adams-Bashforth-Moulton Approach
Get PDFIn this study we examine the epidemiological features of chlamydia infection using a fractional-order mathematical model, evaluating the impact of vaccine and therapy on the dynamics of disease transmission. In the fractional-order framework, the study determines the existence and uniqueness of solutions and uses the Lyapunov function approach to examine the stability of the endemic equilibrium. Numerical simulations that employ the fractional Adams–Bashforth–Moulton approach show how fractional-order values and model parameters impact the control and spread of the disease. More simulations, such as surface and contour plots, show that a higher prevalence of chlamydia is a result of increased contact rates and decreased treatment effectiveness. The results highlight how the infection's spread within the community can be successfully stopped by improving vaccine and treatment plans
Influences of debt appetite to lending practices of microfinance institutions in Camarines Sur
Get PDFThis study explored the relationship between debt appetite and the lending practices of microfinance institutions (MFIs) in Camarines Sur. By examining various demographic factors such as age, income, education, and employment status, the research identifies significant determinants that influence borrowers' willingness and ability to incur debt. It highlights the crucial role of financial literacy in shaping debt- related behaviors and decisions. The findings suggest that MFIs can tailor their lending practices to meet the needs of different borrower segments better, thereby improving financial inclusion and stability. Key strategies include providing well-designed loan products, offering financial education such as Project KALINGA, and implementing proactive monitoring and support mechanisms. This approach enhances the effectiveness of MFIs and promotes responsible borrowing and sustainable economic growth in Camarines Sur. Data were obtained using descriptive correlational design to examine the connection of the level of debt appetite of borrowers in terms of personal aspects, social factors, and economic factors, the lending practices of microfinance institutions along with loan offerings, collections, insurance, and understanding borrowing behaviors of the respondents. The data were analyzed using frequency and percentage analysis, weighted means and rank, chi-square, and Pearson correlation to identify patterns and relationships among personal aspects, social factors, and economic factors. The purpose of this study is to close the knowledge gap about how lending practices, particularly in Camarines Sur, are impacted by debt appetite