Social Science Journal for Advanced Research
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Effects of External Factors on Cash Flow Performance of the National Savings and Credit Bank Zambia (NATSAVE)
Get PDFThis was a research on the effects of external factors on cash flow performance of the National Savings and Credit Bank (NATSAVE). The study adopted a case study design. The study used a sample size of 285 respondents. The research objectives were to find out the external factors affecting cash flow performance of NATSAVE; to determine the extent of cash flow pattern at NATSAVE; to examine the effects of external factors on the cash flow performance of NATSAVE and to explore how NATSAVE manage the external factors to increase cash flow performance. The study established that the external factors (economic, technological, sociocultural and legal factors) affect cash flow at the National Savings and Credit Bank. When respondents were asked to rank known factors affecting the cash flow performance of NATSAVE, the majority agreed the NATSAVE has been hit mostly by economic factors, followed by political factors, then technological factors, legal and finally sociocultural factors. The coefficient results indicated that the predictors (economic, technological, sociocultural, political and legal factors) had a statistically significant relationship with cash flow performance at NATSAVE.
According to the study findings, among others, some of the effects of the external factors are that economically conditions such as inflation, interest rates, exchange rates, and overall market demand can significantly impact cash flow positively or negatively. Social cultural changes in consumer behavior, trends, and preferences can influence cash flow. Positive political environment improves cash flow. To deal with the external factors affecting organization cash flow, the study results revealed that the majority of the respondents agreed that closely monitoring monetary expenses, providing cash flow training for your team, communicating effectively within the business and value addition could play a major role in improving the cash flow of the organization. Notably, a lot of people disagreed on the use of offloading inventory that doesn’t sell well as a measure to boost cash flow. Some recommendations arising from the study are that there is need for the Zambian government to put up policies that can help reduce inflation, and reduce on the interest rates then the organizations such as banks can improve cash flow and that there is a need to learn the culture and all aspects of social elements around the place in order to formulate strategies to help improve cash flow of an organization
Openness to Experience and Entrepreneurial Intentions: A Mediating Role of Creative Problem-Solving among Students in Ludhiana
Get PDFThis study investigates the relationship between openness to experience and entrepreneurial intentions among students, exploring the mediating role of creative problem-solving. Building on the Big Five personality framework and creativity research, we assume that individuals high in openness will exhibit stronger entrepreneurial intentions due to their enhanced creative problem-solving abilities. The study employs a quantitative research design with survey data collected from a sample of university students. The analysis utilizes structural equation modelling to examine the proposed relationships. We anticipate findings that support the mediating role of creative problem-solving, shedding light on the underlying mechanism through which openness to experience influences entrepreneurial aspirations. Our research contributes to the understanding of personality traits and individual differences in entrepreneurial intention, informing potential interventions and support programs to foster entrepreneurial spirit and equip students with the necessary skills for venturesome endeavours
MFI’s Loans: Evaluating Adequacy, Utilization and Repayment Pattern among Urban Poor Households
Get PDFMicrofinance Institutions (MFIs) offer loans to impoverished individuals for small enterprise investments and consumption expenses. Investment-oriented loans can create jobs and income for poor households while ensuring high repayment rates for MFIs. However, studies suggest that microloans are often too small for effective investment, failing to improve living standards significantly in the long term. This study evaluates the sufficiency, utilization patterns, and repayment trends of MFI loans. Using primary data from 104 households in Delhi slums collected in 2016, the descriptive analysis reveals that loans are nearly equally split between consumption and production purposes, sometimes serving multiple uses. Most respondents found the loan amounts insufficient. Repayments are typically punctual, though delays occur in some cases due to inadequate income, loan diversion for household consumption, and giving money to male family members
A Study on the Adoption of Digital Payments in Western UP from the Consumer\u27s Perspective
Get PDFDemonetization led to a significant surge in digital payments in India. Government initiatives like Digital India, combined with the growing use of mobile phones and the internet, have contributed to the rapid expansion of digital payment adoption. This shift towards digital transactions enhances transparency, strengthening the nation\u27s economy. Recent developments in payment systems, such as digital wallets, UPI, and BHIM apps, have further facilitated the transition to digital payments. The objective of this research is to examine the positive impact of payment system digitization. Specifically, it analyzes customer adoptionn levels of these systems
Factors Which Influence Youths to Venture in Business Activities: A Case of Youths in Lusaka’s Northmead Business Centre
Get PDFThis paper sought to report on the factors that influence youth engagement in business activities in Lusaka’s Northmead business area; with Specific objectives focusing on the influence of Demographic, Socio-cultural and Economic factors on youth business start-up. The study adopted a Quantitative – Descriptive Non-Experimental survey research design which is anchored on positivism as a research philosophy. Structured questionnaires with close ended questions were used to collect primary data which was analyzed for descriptive statistics and inferential statistics using excel and Statistical Package for Social Sciences (SPSS). Correlation and regression analysis was further used to determine the nature of the relationship between the independent and dependent variables. The findings on the influence of demographic factors on youth business start-ups revealed the existence of a positive relationship between age, gender, marital status and level of education, and youth engagement in business activities. The relationship was statistically significant. The findings on the influence of social factors on youth business engagement also revealed the existence of a positive relationship between family background, quality of education, government support and media influence, and youth engagement in business. The relationship was statistically significant. The findings on the influence of economic factors on youth business start-ups also revealed the existence of a significant and positive relationship between access to finance, the macroeconomic environment, government support and access to business development services, and youth business engagement. Government and policy makers should take keen interest of the factors which influence youth to venture in business activities. Government should further take advantage of the unique disposition of youths and create business development and training programs which significantly influence sustainable youth business start-ups as these can significantly contribute to the economic development of the country and reduce youth unemployment
A Study of the Effects of Mobile Banking Services on the Financial Performance of Zambian Commercial Banks - A Case Study of Atlas Mara
Get PDFThis paper sought to determine the effects of Mobile Banking Services on the Financial Performance of Zambian Commercial Banks focusing on Atlas Mara as a case study. The study endeavoured to determine the impact of mobile banking access, mobile banking loans and mobile banking risks on commercial banks\u27 financial performance. The study made use of descriptive research design. Atlas Mara Zambia\u27s senior and middle management staff as well as supervisors made up the study\u27s target population. A total of 287 bank employees were chosen as a sample using purposive and stratified random sampling. The Bank of Zambia, the Zambia Communications Authority, and the Atlas Mara Annual Reports provided secondary data, while structured questionnaires completed through Google online forms were used to collect primary data. Data analysis was carried out using descriptive and inferential statistics. Regression analysis and Pearson Correlations were used to analyse quantitative data. The study results show that, despite the fact that mobile banking accessibility and mobile banking loans have improved the financial performance of commercial banks, their success is still threatened by mobile banking risks related with the Internet and technological innovation. The study suggests that in order to improve the strength of the Internet and network coverage across the entire country, the banking industry should engage with telecommunication service providers. Commercial banks should look beyond improved accessibility and start assessing how well mobile banking\u27s customer service functions. Commercial banks should spend money raising consumer awareness of new goods and services designed specifically for mobile banking. Commercial banks should allocate enough funds to research that could support the development of new products for use with current mobile banking platforms
Effects of Diversification Strategies on Firm’s Financial Performance: A Case Study of Zambia Postal Services Corporation
Get PDFThe research was devoted to discussing the effects of diversification on a firm’s financial performance a case study of Zambia Postal Services Corporation. The study was guided by 4 objectives; to identify the diversification strategies used by the Zambia postal services cooperation; to determine the effect of diversification strategies on the financial performance of the Zambia postal services cooperation, to assess the effect of the types of diversification on the financial performance of the Zambia postal services cooperation and to explore the extent to which diversification affects the financial performance of the Zambia postal services cooperation. The study used Qualitative Research Design in which 20 senior and middle Management employees of Zampost were purposively selected for interviews. The study findings established that Zambia Postal Services Corporation used concentric and horizontal diversification strategies. Diversification strategies can have either a positive or negative effect on the financial performance of the cooperation. To a greater extent, diversification affects the financial performance of the Zambia Postal Services either positively or negatively. Some of the recommendations arising from the study are that organizations willing to achieve economies of scope and redeem their financial position in the face of downturn or decline in product life cycle should diversify their product to better meet customers’ demands, profitability, expansion as well as increase performance since diversified organizations are discovered to perform better than undiversified ones; organizations should identify their rare and inimitable capabilities to achieve economies of scale and outsmart competitors and that research and Development centers should be developed for proper channeling of resources, identification of opportunities as they arise in the business environment and selection of the best strategic options
Parental Expectations and Their Role in Adolescent Mental Health: A Study in Anjar Taluka Gujarat
Get PDFAdolescence is a crucial developmental stage often marked by mental health challenges, with parental expectations being a significant factor influencing psychological well-being. This study investigates the impact of parental expectations on adolescent mental health in Anjar Taluka, Kachchh district, Gujarat, focusing on the relationship between these expectations and levels of anxiety, depression, and loneliness. Using a sociological lens, the research examines how academic and career-related pressures from parents affect adolescents’ mental health outcomes, with particular attention to the role of socio-economic and gender factors.
The study is based on a sample of 150 adolescent respondents aged 12-18 years, employing a mixed-methods approach. Quantitative data were collected through the UCLA Loneliness Scale to measure loneliness, anxiety and depression. Additionally, in-depth interviews with adolescents and their parents provided qualitative insights into the influence of parental expectations.
The findings reveal a strong correlation between high parental expectations, particularly regarding academic performance and career success, and elevated levels of anxiety, depression, and loneliness. Adolescents reporting higher parental pressure exhibited increased feelings of isolation and inadequacy. Gender differences were notable, with female adolescents experiencing additional stress due to the intersection of academic expectations and traditional gender roles.
This study highlights the need for parental education on the psychological impact of unrealistic expectations and suggests mental health interventions tailored to adolescents in rural and semi-urban areas like Anjar Taluka. Addressing parental expectations could significantly improve adolescent mental health outcomes
Shifting Trends in Cold Drink Preferences among College Going Consumers in Prayagraj during Summers
Get PDFThis study investigates the cold drink preferences among consumers in Prayagraj during the summer season. Data was collected through a survey of 64 respondents, examining their preferences for carbonated versus non-carbonated drinks and their specific favorite types of cold beverages. The findings reveal a notable inclination towards non-carbonated drinks, particularly juice, while carbonated drinks also maintain significant popularity. This paper explores these preferences and discusses the implications for businesses and marketers in the beverage industry
Level of Emotional Intelligence of Undergraduate Professional Students: A Study of Lucknow City
Get PDFIn the present scenario, everyone is in a race of competition and wants to achieve success in his / her life and thinks that all the achievements of life are based on only one\u27s Intelligence Quotient and hard work but a person forgets a prime component of his life that are emotions. Emotions are an integral part of one\u27s life or can say key to success. A person with a high Intelligence Quotient could get good marks in his academic life but when he or she steps into the real world needs emotional intelligence. To survive in this world or society we should have the idea or ability to understand self and other emotions so that we might behave accordingly with people around us. In this paper researcher studied the emotional intelligence of undergraduate professional students and also explored whether gender plays any role in emotional intelligence. The study was conducted by collecting the data of 200 undergraduate professional students of Lucknow city. The result revealed that most of the undergraduate professional students of Lucknow city have average emotional intelligence and it is not gender biased