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Operational Risks Faced by Financial Institutions in the Digital Age: A Case of Nigeria
Get PDFPurpose: The aim of the study was to examine operational risks faced by financial institutions in the digital age: a case of Nigeria.
Methodology: This study adopted a desk methodology. A desk study research design is commonly known as secondary data collection. This is basically collecting data from existing resources preferably because of its low cost advantage as compared to a field research. Our current study looked into already published studies and reports as the data was easily accessed through online journals and libraries.
Findings: The study found that financial institutions in Nigeria are confronted with a myriad of operational risks in the digital age, stemming from the rapid adoption of technology and the evolving cyber threat landscape. The shift towards digital banking and fintech innovations has introduced new vulnerabilities, including cyberattacks, data breaches, and fraudulent activities, posing significant challenges to the security and integrity of financial systems in Nigeria. Operational risks associated with technological disruptions, such as system failures, IT outages, and disruptions to digital payment platforms, can undermine the reliability and efficiency of financial services, leading to customer dissatisfaction and financial losses. The proliferation of mobile banking and digital payment channels has heightened concerns about financial inclusion, data privacy, and regulatory compliance, necessitating robust risk management frameworks and regulatory oversight to safeguard the stability and resilience of Nigeria\u27s financial sector.
Unique Contribution to Theory, Practice and Policy: Technology Acceptance Model (TAM), Agency Theory & Resource Dependence Theory may be used to anchor future studies on operational risks faced by financial institutions in the digital age: a case of Nigeria. Financial institutions should prioritize the implementation of robust cybersecurity measures, including regular security audits, penetration testing, and employee training programs. By enhancing cybersecurity awareness and preparedness, institutions can mitigate the risk of cyberattacks and data breaches. Regulatory authorities play a crucial role in shaping the regulatory landscape to address operational risks in the Digital Age. Policymakers should collaborate with industry stakeholders to develop robust regulatory frameworks that promote innovation while safeguarding financial stability and consumer protection
Effect of Climate Change on Risk Management Practices in Agriculture in Switzerland
Get PDFPurpose: The aim of the study was to examine the effect of climate change on risk management practices in agriculture in Switzerland.
Methodology: This study adopted a desk methodology. A desk study research design is commonly known as secondary data collection. This is basically collecting data from existing resources preferably because of its low cost advantage as compared to a field research. Our current study looked into already published studies and reports as the data was easily accessed through online journals and libraries.
Findings: The impact of climate change on risk management practices in Swiss agriculture has become increasingly significant. Farmers in Switzerland are facing heightened risks due to more frequent and severe weather events, such as droughts, floods, and temperature extremes. These changes have led to a greater emphasis on adaptive strategies, including diversified cropping, improved irrigation techniques, and the adoption of climate-resilient crop varieties. Additionally, there is an increased reliance on agricultural insurance and government-supported risk management programs to mitigate financial losses.
Unique Contribution to Theory, Practice and Policy: Theory of resilience, adaptive management theory & climate risk management theory may be used to anchor future studies of climate change on risk management practices in agriculture in Switzerland. Practically, there is a need for the development and implementation of tailored risk management strategies that address region-specific challenges and opportunities. Policy frameworks must be updated to support effective climate change adaptation in agriculture. Governments and policy-makers should develop and implement policies that promote the adoption of climate-smart practices and provide financial and technical support to farmers
Impact of Regulatory Changes on Financial Market Stability in Germany
Get PDFPurpose: The aim of the study was to examine the impact of regulatory changes on financial market stability in Germany.
Methodology: This study adopted a desk methodology. A desk study research design is commonly known as secondary data collection. This is basically collecting data from existing resources preferably because of its low cost advantage as compared to a field research. Our current study looked into already published studies and reports as the data was easily accessed through online journals and libraries.
Findings: The impact of regulatory changes on financial market stability in Germany has been significant, contributing to a more resilient financial system. Stricter regulations, particularly after the 2008 financial crisis, have enhanced risk management practices, increased capital requirements for banks, and improved transparency in financial transactions. These measures have reduced systemic risks and bolstered investor confidence, helping to maintain market stability even during periods of economic uncertainty. However, the increased regulatory burden has also posed challenges for financial institutions, leading to higher compliance costs and adjustments in business strategies to meet new standards.
Unique Contribution to Theory, Practice and Policy: Theory of financial regulation, adaptive market hypothesis (AMH) & the institutional theory may be used to anchor future studies of the impact of regulatory changes on financial market stability in Germany. Practically, financial institutions and market participants need to adapt to evolving regulatory environments with robust risk management and compliance strategies. Policymakers should ensure that regulatory frameworks are designed to promote financial stability while accommodating the needs of financial institutions
Influence of Human Capital Ecosystem on Growth of Leather Manufacturing Small and Medium Enterprises in Kenya
Get PDFPurpose: The purpose of this study is to investigate the influence of the human capital ecosystem on the growth of leather manufacturing small and medium enterprises in Kenya.
Methodology: The study used a mixed research design that is both qualitative and quantitative. Data was collected using questionnaires and secondary data collection sheet. The collected data was analysed by use of SPSS software program version 23. The quantitative data in this research was analysed by descriptive statistics using the mean and standard deviation. A regression model was adopted to test the relationship between the variables.
Findings: The findings show there is a strong relationship between Human capital ecosystem and growth of SMEs in leather manufacturing in Kenya.
Unique Contribution to Theory, Practice and Policy: SMEs should invest in capacity building of their staff through short and long-term programmes so as to make them experts and competent in their various fields of specialization
Environmental Factors Affecting Growth of MSME’s Owned by Entrepreneurs with Disabilities in Rural Areas in Kenya: A Case of Meru County
Get PDFPurpose: In the recent past, the government of Kenya has paid much attention to entrepreneurship primarily because of the positive relationship between entrepreneurship, job creation and economic growth. In Kenya, over 1.3 million Persons live with disabilities with most of them being generally economically deprived and over-represented among the poor. The aim of the study study was to investigate the external business factors affecting growth of MSME’s owned by entrepreneurs with disabilities in rural areas in Kenya: a case of Meru County.
Methodology: The target population comprised of 2021 entrepreneurs with disabilities. The researcher used a combination of stratified sampling, census and purposive sampling method to select the respondents. Data was collected by administration of questionnaires designed based on the research objectives. The data collected was then coded, entered, and analyzed using Statistical Package for Social Sciences (SPSS).
Findings: The findings showed that if all factors; political-legal environment, social –cultural environment and technological environment had a positive and significant effect on growth of MSME’s. Political –legal factors had the greatest effect at 0,882, followed technological at 0.799 while social factors had 0.633.
Unique Contribution to Theory, Practice and Policy: The study recommended that the government should provide adequate and timely funding to vocational and technical training institutions. Government funding programs such as Women, Youth and Uwezo fund should increase the minimum loan amount, simplify loan application process and ensure timely disbursement of funds as well as establish strategies of lending to individuals. Finally, a mentorship office should be established in every constituency to offer sector specific programs including activities geared towards exposing EwD’s to successful entrepreneurs
Impact of Digital Transformation on Firm Performance: A Comparative Study of Germany
Get PDFPurpose: The aim of the study was to analyze the impact of digital transformation on firm performance: a comparative study of Germany.
Methodology: This study adopted a desk methodology. A desk study research design is commonly known as secondary data collection. This is basically collecting data from existing resources preferably because of its low cost advantage as compared to a field research. Our current study looked into already published studies and reports as the data was easily accessed through online journals and libraries.
Findings: The comparative study on digital transformation\u27s impact on firm performance in Germany reveals that embracing digitalization leads to improved productivity, efficiency, and innovation. It also emphasizes how digital technologies enhance market competitiveness, expand customer reach, and drive revenue growth and profitability. Strategic planning and organizational adaptability are crucial for firms to maximize the benefits of digital transformation. Overall, the findings underscore the transformative potential of digitalization for German firms, necessitating proactive adoption and continuous adaptation to remain competitive.
Unique Contribution to Theory, Practice and Policy: Resource-based view (RBV), institutional theory & dynamic capabilities theory may be used to anchor future studies on analyze the impact of digital transformation on firm performance: a comparative study of Germany. Firms should focus on enhancing employee digital literacy, establishing cross-functional teams, and embracing a customer-centric mindset to drive innovation and growth in the digital age. Policymakers play a crucial role in creating an enabling environment for digital innovation and entrepreneurship
Globalization and Cultural Homogenization: A Historical Perspective in Nigeria
Get PDFPurpose: To aim of the study was to analyze the globalization and cultural homogenization: a historical perspective.
Methodology: This study adopted a desk methodology. A desk study research design is commonly known as secondary data collection. This is basically collecting data from existing resources preferably because of its low cost advantage as compared to a field research. Our current study looked into already published studies and reports as the data was easily accessed through online journals and libraries.
Findings: Globalization has fostered extensive global connectivity but has also raised concerns about cultural homogenization, particularly the dominance of Western ideals and consumerism. This phenomenon, dubbed "McDonaldization" or "Coca-Colonization," underscores the erosion of local traditions and identities. Despite critiques, globalization has also spurred cultural exchange and the creation of hybrid identities blending local and global influences.
Unique Contribution to Theory, Practice and Policy: Cultural imperialism theory, world-systems theory & hybridity theory may be used to anchor future studies on globalization and cultural homogenization: a historical perspective. Emphasize the importance of understanding diverse religious traditions and fostering mutual respect and tolerance among different religious communities. Incorporate the study of religion into school curricula at all levels to promote religious literacy, critical thinking, and understanding of diverse cultural perspectives.  
Analysing Different Risk Management Approaches and Their Effectiveness in Enhancing Supply Chain Resilience
Get PDFPurpose: This paper aims to review various risk management strategies as well as measure its capability as an instrument to strengthen the chain resilience in the backdrop of the present-day economic environment.
Methodology: The paper utilizes well-known literature review techniques to gather and analyze the strategies including diversification, collaboration, technology adoption, and contingency planning that not only avoid supply chain risks but also create resiliency in organizations. It is focused on the root causes, effects, and aftermath of supply chain disruptions; the potential solutions to counter these problems are also evaluation by this process.
Findings: The study points out that the traditional risk management approaches are not enough, and suggests implementing the techniques such as mapping of the supply chain, supplier diversification and investment in digital technologies like block chain, cloud computing and cyber security. These approaches aid in boosting the supply chain resilience by providing transparency, enabling backup inventory management, and improving collaboration and efficiency within the supply chain operations.
Unique Contribution to Theory, Practice and Policy: The study complements the existing body of knowledge by offering a detailed overview of risk management strategies that can be implemented for the purpose of supply chain resilience. It provides with concrete suggestions on issues of diversity, the use of new technologies, and of coordination to strengthen the chains of supply against disruptions. Furthermore, the research calls for policy intervention to enable the utilization of the above-discussed strategies and increase supply chain resilience at a broader level as well
Impact of School Feeding Programs on Student Attendance and Performance in Ghana
Get PDFPurpose: The aim of the study was to investigate the impact of school feeding programs on student attendance and performance in Ghana.Methodology: This study adopted a desk methodology. A desk study research design is commonly known as secondary data collection. This is basically collecting data from existing resources preferably because of its low cost advantage as compared to a field research. Our current study looked into already published studies and reports as the data was easily accessed through online journals and libraries.Findings: School feeding programs in Ghana significantly boost student attendance and academic performance, particularly benefiting girls and children in rural areas. These programs reduce hunger, improve nutrition, and increase engagement, leading to enhanced educational outcomes and lower dropout rates.Unique Contribution to Theory, Practice and Policy: Maslow\u27s hierarchy of needs theory, social cognitive theory & expectancy-value theory may be used to anchor future studies on the impact of school feeding programs on student attendance and performance in Ghana. Implement robust monitoring and evaluation frameworks to assess the effectiveness of feeding programs regularly. Integrate school feeding programs into national educational policies as a fundamental component of the educational framework
The Relationship between Levels of Irrational Beliefs and Psychological Distress by Secondary School Teachers in Kiambu County, Kenya
Get PDFPurpose: This study sought to “establish the relationship between levels of irrational beliefs and psychological distress by secondary school teachers in Kiambu County, Kenya
Methodology: This study used a quasi-experimental research design. This study was carried out among selected teachers in secondary schools in Kiambu County. Kiambu County has a total of 303 secondary schools with a population of 3,617 teachers (County Government of Kiambu12 sub counties, however the target population will be the teachers in Thika town Sub County. Multistage sampling technique was used at three levels; sampling stage level one was used for selecting the schools at county level where Thika town Sub County was selected. The final overall sample size of 120. The study used the Depression, Anxiety and Stress Scale - 21 Items (DASS-21). Data was collected using questionnaire. Statistical Package for Social Sciences (SPSS) version 21 was used to analyse the data. Data was presented in form of tables.
Findings: The results revealed that majority of the respondents (78.5%) had a moderate demandingness level. For Low Frustration Tolerance, majority of the respondents (72.9%) had a moderate Low Frustration Tolerance level. For awfulizing, majority of the respondents (86.9%) had moderate levels of awfulizing. For depreciation, majority of the respondents (54.2%) had moderate depreciation levels. The results also indicated that correlation analysis showed a moderately positive correlation coefficient (r) of 0.222, with p<0.05. This suggested that there is a statistically significant positive relationship between levels of Irrational Beliefs and Psychological Distress.
Unique Contribution to Theory, Practice and Policy: The study used the Cognitive Behavioral Therapy approach. Schools and educational authorities should establish support systems for teachers experiencing psychological distress. This may include providing access to counseling services, peer support groups, or employee assistance programs aimed at addressing mental health concerns in the workplace