scholarly journals A Cashless Policy and Economic Development in Nigeria

2020 ◽  
Vol 1 (2) ◽  
pp. 53-59
Author(s):  
Fatogun Olukunle Ibukun ◽  
Ajao Chukwudumebi Cynthia
Keyword(s):  
Joint Effect ◽  
Business Environment ◽  
High Rate ◽  
Mobile Banking ◽  
Bank Transfer ◽  
Internet Availability ◽  
Movement Joint ◽  
The Cost ◽  
Financial Transactions ◽  
The Relationship

A cashless economy is an environment in which money is spent without being physically carried from one place to another. It is meant to be an economic setting where services and goods are paid for via electronic which includes credit cards, bank transfer and Cheques, with no bill or money handed from one person to another. The cashless policy was introduced in January 2012, the robust interest which the policy has generated is surprising considering the effects on the business environment and particularly lives of ordinary Nigerians. The study showed that cashless policy reduces the movement of cash through usage of ATM, fund transfer, mobile banking. It helps financial transactions to be done without delay, it reduces money laundering. The study indicated that there is a very weak positive relationship between cash movement, joint effect of delivery of financial transactions and cashless policy (R= 0.245) and the model is not significant. However, for the relationship between internet availability, cashless policy and cash movement, the relationship between cash movement, the joint effect of internet availability and cashless policy is also weak ( R = 0.295 ). The model is also significant. The policy is faced with challenges ranging from erratic power supply, electronic fraud, lack of adequate sensitization, poor internet services, high rate of illiteracy and computerization. The benefits include but not limited to reduction in revenue leakages, it helps to reduce cash related crimes, the cost of handling cash is reduced to the barest minimum

scholarly journals Effect of Customer Lifestyles on the Awareness of “MobiCash” Banking Services of Wahda Bank in Libya

2021 ◽  
Vol 9 (1) ◽  
pp. 88
Author(s):  
Iman Elsalhen Bouthahab ◽  
Mariam Hassan Khaled
Keyword(s):  
Current Knowledge ◽  
Lifestyle Changes ◽  
Mobile Banking ◽  
Banking Services ◽  
Banking Service ◽  
Financial Transactions ◽  
The Relationship ◽  
The City ◽  
Technological Service ◽  
Socio Economic Factors

The 2013-2014 liquidity crisis in Libya has resulted in many Libyans' difficulties accessing their banking accounts and managing their financial standing. In place of this, many commercial banks have developed new mobile payment techniques, particularly the 'MobiCash' Service offered by Wahda Bank to assist Libyan customers in accessing their accounts and carrying out their financial transactions. This paper intends to examine the effect of lifestyle changes on mobile banking services or 'MobiCash' and their awareness of this novel service. Also, this study investigates the more profound understanding of Libyan customers. It highlights customers' socio-economic characteristics using 'MobiCash' services offered by Wahda Bank in the city of Derna in Libya. The questionnaires were distributed online, and a sample of 149 was obtained. SPSS was used to analyse the data and regression analysis to test the significant effect of customers' lifestyles and their awareness of 'MobiCash'. The results showed that Libyan customers were accepting of this form of mobile banking. The findings indicated that age and academic degrees do not influence awareness of 'MobiCash'. However, customer lifestyles affect awareness of the banking service of 'MobiCash'. Socio-Economic factors do not mediate the relationship between lifestyle and awareness of banking services of 'MobiCash'. This study's outcomes have increased the current knowledge on the behaviours and awareness of novel banking service features like 'MobiCash'. Moreover, the study may provide a more in-depth understanding of what is needed for Libyan banking customers to accept further this technological service and, thus, permit the improvement of banking strategies to attract potential users. Future researchers can extend the understanding of this study in other contexts and service environment.

The Awareness Level of the Safety and Health of the Operational Level

2017 ◽  
Vol 3 (1) ◽  
pp. 42
Author(s):  
Roshanira Che Mohd Noor ◽  
Nur Atiqah Rochin Demong
Keyword(s):  
Health And Safety ◽  
Health Conditions ◽  
Effective Strategies ◽  
Operational Level ◽  
Safety And Health ◽  
Health Factors ◽  
The Cost ◽  
The Relationship ◽  
Awareness Level

Providing a safe and healthy workplace is one of the most effective strategies in for holding down the cost of doing construction business. It was a part of the overall management system to facilitate themanagement of the occupational health and safety risk that are associated with the business of the organization. Factors affected the awareness level inclusive of safety and health conditions, dangerous working area, long wait care and services and lack of emergency communication werethe contributed factors to the awareness level for the operational level. Total of 122 incidents happened at Telekom Malaysia Berhad as compared to year 2015 only 86 cases. Thus, the main objective of this study was to determine the relationship between safety and health factors and the awareness level among operational workers.The determination of this research was to increase the awareness level among the operational level workerswho committing to safety and health environment.

Leadership and Employee Motivation: Moderating Role of Gender

2016 ◽  
Vol 5 (1) ◽  
Author(s):  
Beena Prakash
Keyword(s):  
Transformational Leadership ◽  
Employee Motivation ◽  
Business Environment ◽  
Demand Pull ◽  
Logistics Services ◽  
And Gender ◽  
The Relationship ◽  
Core Issues ◽  
Moderating Role

With the present business environment which is creating a strong demand pull for quality and efficient logistics services, core issues are being gradually removed with time but HR issues are still neglected. Motivation can be the key process of boosting the morale of employees to encourage them to willingly give their best in accomplishing assigned tasks. During growth of any sector, dimensions of leadership can have great impact on employee motivation. This research paper analyzes impact of transformational leadership on employee motivation and moderating role of gender. The result shows significant positive correlation between transformational leadership and employee motivation and gender does moderate the relationship.

Validating the Measurement Constructs Affecting the Technology Adoption in Indian Mobile Banking Industry

2016 ◽  
Vol 1 (1) ◽  
Author(s):  
Muragesh Y. Pattanshetti ◽  
Sachin S. Kamble ◽  
Sudheer M. Dhume ◽  
Shradha Gawankar
Keyword(s):  
Technology Adoption ◽  
Perceived Risk ◽  
Service Providers ◽  
Business Environment ◽  
Retail Banking ◽  
Appropriate Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Measurement Scale ◽  
Mobile Banking

Mobile phones have undeniably brought a paradigm shift, affecting both the lives of people and the business environment. Today, mobile phone has permeated the lives of billions of people around the world, becoming for many an indispensable device. Moreover, adoption of mobile banking has significant impact on reducing costs and enabling change in retail banking. Factors influencing the intention to use or adopt mobile banking are very important and will play a vital role for mobile banking service providers. The proposed study focuses on a comprehensive set of potential factors that influence the adoption of mobile banking. The research model identifies appropriate factors and captures dependency relationships among these factors in the form of a number of hypotheses to be tested in this research. This paper aims to design a scale with a high degree of reliability, validity, and dimensionality which helps to determine the appropriate technology adoption model based on the identified constructs, viz. Optimism (OPTI), Innovativeness (INNO), Insecurity (INSC), Discomfort (DISC), Perceived Usefulness (PU), Perceived Ease of Use (PEU), Perceived Risk (PR), Subjective Norms (SN), Attitude (ATTI), Behavioural Control (BC) and Behavioural Intention (BI). The data were collected through questionnaire survey from 201 respondents comprising software engineers, bank employees, professors, entrepreneurs. Confirmatory factor analysis was used to test the validity of the proposed measurement scale for all the identified constructs. This instrument helps bankers to determine and design there applications which will contribute to the knowledge of predicting customer intention.

Pound Wise and Penny Foolish? Weight Loss and The Dynamics of Health Care Spending

2011 ◽  
Vol 14 (2) ◽  
Author(s):  
Thomas G Koch
Keyword(s):  
Weight Loss ◽  
Cost Savings ◽  
Cost Effective ◽  
Economic Consequences ◽  
Health Care Spending ◽  
Order Of Magnitude ◽  
Dynamic Measures ◽  
The Cost ◽  
The Impact ◽  
The Relationship

Current estimates of obesity costs ignore the impact of future weight loss and gain, and may either over or underestimate economic consequences of weight loss. In light of this, I construct static and dynamic measures of medical costs associated with body mass index (BMI), to be balanced against the cost of one-time interventions. This study finds that ignoring the implications of weight loss and gain over time overstates the medical-cost savings of such interventions by an order of magnitude. When the relationship between spending and age is allowed to vary, weight-loss attempts appear to be cost-effective starting and ending with middle age. Some interventions recently proven to decrease weight may also be cost-effective.

Business Location and Success: The Case of Internet Café Business in Indonesia

2004 ◽  
Vol 6 (2) ◽  
pp. 171 ◽  
Author(s):  
Nurul Indarti
Keyword(s):  
Field Research ◽  
Business Environment ◽  
Business Success ◽  
Location Decision ◽  
Location Factors ◽  
Positive Direction ◽  
Independent Variables ◽  
Business Location ◽  
The Relationship ◽  
Commercial Center

This research aims to examine the relationship between business location decision and business success. The case is Internet café business in Indonesia. This research is addressed to answer these main questions: (1) what factors do underlie location decision for an Internet café business?; and (2) does location decision determine success of Internet café business? A field research is conducted to answer these questions.Factor analysis applied to 17 location factors reveals five underlying dimensions of business location decision. They are centrality, business environment, business venue, cost, and labor. Based on responses from 93 Internet cafés in three locations (i.e. Yogyakarta, Surabaya, and Lombok), the author finds that favorable location of business is positively related to business success. More specifically, a regression analysis reveals that availability of utilities, proximity to schools/universities and security affect business success in a positive direction, while proximity to highways, being in commercial center affect in a negative direction. The independent variables explain 23 percent of total variance.

scholarly journals Strategic resources and smallholder performance at the bottom of the pyramid

2019 ◽  
Vol 22 (3) ◽  
pp. 365-380 ◽  
Author(s):  
Matthias Olthaar ◽  
Wilfred Dolfsma ◽  
Clemens Lutz ◽  
Florian Noseleit
Keyword(s):  
Large Scale ◽  
Business Environment ◽  
Agricultural Economics ◽  
Local Market ◽  
Bottom Of The Pyramid ◽  
Fine Grained ◽  
Strategic Resources ◽  
Relative Contribution ◽  
The Relationship ◽  
Resource Based Theory

In a competitive business environment at the Bottom of the Pyramid smallholders supplying global value chains may be thought to be at the whims of downstream large-scale players and local market forces, leaving no room for strategic entrepreneurial behavior. In such a context we test the relationship between the use of strategic resources and firm performance. We adopt the Resource Based Theory and show that seemingly homogenous smallholders deploy resources differently and, consequently, some do outperform others. We argue that the ‘resource-based theory’ results in a more fine-grained understanding of smallholder performance than approaches generally applied in agricultural economics. We develop a mixed-method approach that allows one to pinpoint relevant, industry-specific resources, and allows for empirical identification of the relative contribution of each resource to competitive advantage. The results show that proper use of quality labor, storage facilities, time of selling, and availability of animals are key capabilities.

Marginal assessment of the cost and benefits of aphasia treatment: Evidence from community-based telerehabilitation treatment for aphasia

2021 ◽  
pp. 1357633X2098277
Author(s):  
Molly Jacobs ◽  
Patrick M Briley ◽  
Heather Harris Wright ◽  
Charles Ellis
Keyword(s):  
Cost Effectiveness ◽  
Economies Of Scale ◽  
Reference Group ◽  
Unit Cost ◽  
Community Based ◽  
Face To Face ◽  
Conduction Aphasia ◽  
Aphasia Treatment ◽  
The Cost ◽  
The Relationship

Introduction Few studies have reported information related to the cost-effectiveness of traditional face-to-face treatments for aphasia. The emergence and demand for telepractice approaches to aphasia treatment has resulted in an urgent need to understand the costs and cost-benefits of this approach. Methods Eighteen stroke survivors with aphasia completed community-based aphasia telerehabilitation treatment, utilizing the Language-Oriented Treatment (LOT) delivered via Webex videoconferencing program. Marginal benefits to treatment were calculated as the change in Western Aphasia Battery-Revised (WAB-R) score pre- and post-treatment and marginal cost of treatment was calculated as the relationship between change in WAB-R aphasia quotient (AQ) and the average cost per treatment. Controlling for demographic variables, Bayesian estimation evaluated the primary contributors to WAB-R change and assessed cost-effectiveness of treatment by aphasia type. Results Thirteen out of 18 participants experienced significant improvement in WAB-R AQ following telerehabilitation delivered therapy. Compared to anomic aphasia (reference group), those with conduction aphasia had relatively similar levels of improvement whereas those with Broca’s aphasia had smaller improvement. Those with global aphasia had the largest improvement. Each one-point of improvement cost between US$89 and US$864 for those who improved (mean = US$200) depending on aphasia type/severity. Discussion Individuals with severe aphasia may have the greatest gains per unit cost from treatment. Both improvement magnitude and the cost per unit of improvement were driven by aphasia type, severity and race. Economies of scale to aphasia treatment–cost may be minimized by treating a variety of types of aphasia at various levels of severity.

Will rivals enter or wait outside when faced with litigation risk? Patent litigation in complex product industries and international market entry

2021 ◽  
pp. 147612702199825
Author(s):  
Ergun Onoz ◽  
Claudio Giachetti
Keyword(s):  
Market Entry ◽  
International Market ◽  
Joint Effect ◽  
Litigation Risk ◽  
Patent Litigation ◽  
Complex Product ◽  
Patent Strategy ◽  
Negative Effect ◽  
Rival Firms ◽  
The Relationship

A spiral of patent infringement litigation among rival firms is a phenomenon often observed in complex product industries, where products comprise numerous separately patentable elements. Theoretically grounded in the awareness–motivation–capability framework of competitive dynamics, this article contributes to the literature on patent strategy and international market entry by looking at how, in a complex product industry, the intensity of patent litigation in a country affects a firm’s decision to enter that country. Our results show that the intensity of patent litigation in a country is a deterrent for potential entrants and has a negative effect on a firm’s likelihood of entering that country. We also show that a firm’s previous experience with patent litigation ( awareness component), the share of a firm’s current patent applications in a target country ( motivation component), and the size of a firm’s patent stock ( capability component) moderate the relationship between a country’s patent litigation intensity and a firm’s likelihood of entering that country. We thus shed light on the joint effect of macro- and micro-level patent-related variables on a firm’s market entry decisions. We test our hypotheses with a comprehensive panel of patenting and entry strategies of 84 mobile phone vendors and their patent litigation battles in 45 countries, from 2003 to 2015.

Relationship among social tactics, job embeddedness, and affective commitment in newcomers: the moderating effect of workplace spirituality

2021 ◽  
pp. 1-21
Author(s):  
Hsien-Long Huang ◽  
Li-Keng Cheng ◽  
Pi-Chuan Sun ◽  
Yi Shiuan Jiang ◽  
Hsin Hua Lin
Keyword(s):  
Work Experience ◽  
Affective Commitment ◽  
Human Resources Management ◽  
Workplace Spirituality ◽  
Job Embeddedness ◽  
Moderating Effect ◽  
Empirical Examination ◽  
Employee Survey ◽  
The Cost ◽  
The Relationship

Abstract The cost of recruitment and training of newcomers can be a burden for enterprises, causing adverse effects on human resources management. Although much research has addressed employee turnover, less attention has been paid to methods of improving the retention of new hires. This study is an empirical examination of the increase in predictive strength of antecedents of affective commitment for comparing newcomers’ workplace spirituality. The results of an employee survey completed by 237 newcomers with under two years of work experience indicate that socialization tactics have a direct impact on job embeddedness, which in turn has a direct effect on affective commitment. Workplace spirituality has a significant moderating effect on the relationship between socialization tactics and job embeddedness. Also, workplace spirituality has a significant moderating effect on the relationship between job embeddedness and affective commitment.

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