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Service Branding and Performance of Insurance Firms in Ekiti State, Nigeria 尼日利亚埃基蒂州保险公司的服务品牌和绩效
Pub Date : 2023-03-15 DOI: 10.37745/bjms.2013/vol11n36372
P. O. Ogunode, Samuel Niyi Abereola, T. S. Olowe
The apparent poor performance in the insurance sector occasioned by poor service branding is the major factor that triggers this study. The study examined the influence of brand meaning, brand awareness, brand image and external brand communication on performance of Insurance firms in Ekiti State. Survey research design was adopted in executing the study with a population of 257 Insurance employees in Ekiti State. Since the population was relatively small, the entire population was used as a census. Primary data were collected using self-administered questionnaire distributed to employees of insurance companies in Ekiti State. The data generated from the questionnaire were subjected to statistical analysis and the hypotheses were tested using Correlation Coefficient with the aid of Statistical Package for Social Sciences (SPSS) version 25.0. The findings revealed that all the independent variables (brand meaning, brand awareness, brand image and external brand communication) have significant influence on performance of insurance firms in Ekiti State. Hence, the study concluded that a statistically significant and positive association exists between service branding and performance of Insurance firms in Ekiti State. Hence the study recommended that management of insurance companies should put strong policies on service branding in place so as to improve profitability and market share of insurance firms operating in Ekiti State.
由于服务品牌不佳而导致的保险业表现明显不佳是引发本研究的主要因素。研究考察了品牌意义、品牌意识、品牌形象和外部品牌传播对埃基蒂州保险公司绩效的影响。在对埃基蒂州257名保险雇员进行研究时采用了调查研究设计。由于人口相对较少,因此将整个人口用作人口普查。主要数据是通过向埃基蒂州保险公司雇员分发的自我管理问卷收集的。对问卷产生的数据进行统计分析,并利用SPSS 25.0版本的相关系数对假设进行检验。研究发现,所有自变量(品牌意义、品牌意识、品牌形象和外部品牌传播)对埃基蒂州保险公司的绩效都有显著影响。因此,研究得出结论,在埃基蒂州,服务品牌与保险公司绩效之间存在统计学上显著的正相关关系。因此,该研究建议保险公司的管理层应制定强有力的服务品牌政策,以提高在埃基蒂州经营的保险公司的盈利能力和市场份额。
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引用次数: 0
E-Marketing Skills Required by Start-up Operators for Effective Management of Small and Medium Scale Enterprises 创业经营者对中小企业有效管理所需的网络营销技能
Pub Date : 2023-03-15 DOI: 10.37745/bjms.2013/vol11n39099
Virginia N. Egbu, N. Azih
The study ascertained the “E-Marketing Skills Required by Start-up Operators for Effective Management of Small and Medium Scale Enterprises” in Ebonyi State. One research question guided the study with one null hypothesis tested at 0.05 level of significance. A sample of 261 was selected from the population of 745 Start-up operators of small and medium scale enterprises using Yaro Yamane formula. Data was collected using 15 items structured questionnaire of four points scale. The instrument was validated by three experts from Ebonyi State University. The reliability index of the instrument was 0.80. Data collected from the research question was analyzed using mean and standard deviation while t-test statistics tested the hypothesis at 0.05 level of significance. Findings from this study revealed that e-marketing skills are highly required by start-up operators for effective management of small and medium scale enterprises in Ebonyi State and that gender influenced the views of the respondents. Based on the findings of the study it was concluded that e-marketing skills are highly required for effective management of small and medium scale enterprises to achieve a sustainable competitive advantage over other fierce rivalries in the market space. It is therefore recommended among others that training of SMEs managers on e-marketing skills for adequate utilization of the skills in business management be treated as critical strategy to close the gap between traditional marketing and digital marketing system.
该研究确定了埃邦伊州“初创企业经营者有效管理中小型企业所需的电子营销技能”。一个研究问题引导研究,一个零假设在0.05显著性水平上检验。采用Yaro Yamane公式,从745名中小企业创业经营者中选取了261名样本。采用四分制15项结构化问卷进行数据收集。该仪器由埃邦伊州立大学的三位专家进行了验证。仪器的可靠性指标为0.80。从研究问题中收集的数据使用均值和标准差进行分析,t检验统计量在0.05的显著性水平上检验假设。这项研究的结果表明,Ebonyi州的初创企业经营者对电子营销技能的要求很高,以便有效管理中小型企业,性别影响了受访者的观点。根据研究的结果,我们得出结论,中小型企业要想在市场空间中取得持续的竞争优势,有效的管理网络营销技能是非常必要的。因此,除其他外,建议对中小企业管理人员进行电子营销技能培训,以充分利用企业管理技能,这是缩小传统营销与数字营销系统之间差距的关键战略。
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引用次数: 0
Service Quality, Price and Consumer Switching Behaviour in The Nigerian Telecommunication Industry, Moderating Effect of Value Added Services on the Relationship 尼日利亚电信业服务质量、价格与消费者转换行为,增值服务对关系的调节作用
Pub Date : 2023-03-15 DOI: 10.37745/bjms.2013/vol11n37389
Mohammed Dauda, Babuji Ibrahim Jatau
The main objective of this study is to examine the Determinants of consumer switching behaviour in Nigerian telecommunication industry, the moderating role of value added services. Data were collected from the students of tertiary institutions in Borno state, North eastern Nigeria using a cross-sectional study design. The study adopted Kriejcie and Morgan (1970) rule of thumb and arrived at 382 respondents and questionnaires were distributed and collected through the personally-administered method. Partial Least Squares Structural Equation Modelling (PLS-SEM) was used to test the study hypothesis. This study finds that Value Added Services have significant influence on consumer switching behaviour, while Service Quality and Price have no significant influence on consumer switching behaviour, it also finds that value added services does not moderate the relationship between service quality, price and consumer switching behaviour. The results of this study provide important insights to managers, mobile operators and researchers to further understand the factors that influence consumers to switch from one service provider to another in the Nigerian telecommunication industry. Mobile operators should concentrate on factors like value added services so as to attract more customers to their network.
本研究的主要目的是研究尼日利亚电信行业消费者转换行为的决定因素,增值服务的调节作用。数据是从尼日利亚东北部博尔诺州大专院校的学生中收集的,采用横断面研究设计。本研究采用Kriejcie和Morgan(1970)的经验法则,共有382名受访者,采用个人管理的方式发放和收集问卷。采用偏最小二乘结构方程模型(PLS-SEM)对研究假设进行检验。本研究发现,增值服务对消费者转换行为有显著影响,而服务质量和价格对消费者转换行为没有显著影响,并且增值服务对服务质量、价格和消费者转换行为之间的关系没有调节作用。本研究的结果为管理者、移动运营商和研究人员提供了重要的见解,以进一步了解影响尼日利亚电信行业消费者从一家服务提供商转向另一家服务提供商的因素。移动运营商应该专注于增值服务等因素,以吸引更多的客户到他们的网络。
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引用次数: 0
Determinants of Customer Switching Behaviour in Mobile Telecommunication Industry in South-South Nigeria 尼日利亚南南移动电信行业客户转换行为的决定因素
Pub Date : 2023-03-15 DOI: 10.37745/bjms.2013/vol11n31762
Amos Ejiroghene Panama, I. Ugiagbe, S. Aguwamba
The study examined the determinants of customers’ switching behaviour in mobile telecommunications industry in South-South Nigeria. The main objective of the study was to explore the factors influencing customers’ switching behaviour in the mobile telecommunications industry and in specific terms, determine whether price, reputation, service quality, promotional package and switching cost did have a significant and positive influence on customers’ switching behaviour. The unit of analysis comprised 400 mobile telecommunication subscribers drawn from six cities in the South-South geopolitical zone of Nigeria. The study units were selected using a proportionate stratified sampling technique and the data obtained from the process were analysed with descriptive statistic using Statistical Package for Social Sciences (SPSS) version 23 software. Conceptual hypothesized relationships involving the independent and dependent variables formulated from the research model were tested with multiple regression analysis technique. The findings of the study revealed that reputation, service quality, promotional package and switching cost had a strong and positive relationship with customers’ switching behaviour but price and involuntary switching seemed to have the least significant relationship. It showed that those factors were very important determinants of customers’ decision to switch from one mobile telecommunications provider to another except price and involuntary switching as earlier stated. The key recommendations from the study were that managers of mobile telecommunications companies should develop proper pricing strategies that were remarkably different in terms of moderate call rates and data charges to prevent customer switching. Secondly, plans could be put in place by management that would encourage the development of trust and confidence through the provision of timely quality services and ensure good network coverage. Finally, managers should ensure that promotional campaigns were aimed at building relationships. In conclusion, it is quite important that managers should have adequate knowledge of the determinants of customers’ switching behaviour established in the study so as to put in place preventive measures that will enhance customers’ retention of improved sales and profitability. The study made a significant contribution by identifying customers’ perceptions of marketing variables that could affect switching.
该研究调查了尼日利亚南南移动电信行业客户转换行为的决定因素。本研究的主要目的是探讨移动通信行业中影响客户转换行为的因素,具体而言,确定价格、声誉、服务质量、促销套餐和转换成本是否对客户的转换行为产生显著的积极影响。该分析单位包括来自尼日利亚南南地缘政治区域六个城市的400名移动电信用户。使用比例分层抽样技术选择研究单位,并使用社会科学统计软件包(SPSS)第23版软件对该过程中获得的数据进行描述性统计分析。利用多元回归分析技术对研究模型中自变量和因变量的概念假设关系进行检验。研究结果显示,声誉、服务质量、促销套餐和转换成本与客户的转换行为有很强的正相关关系,而价格和非自愿转换的关系似乎最不显著。它表明,除了价格和如前所述的非自愿转换外,这些因素是客户决定从一个移动电信提供商切换到另一个移动电信提供商的非常重要的决定因素。该研究的主要建议是,移动通信公司的管理者应该制定适当的定价策略,在适度的通话费率和数据费用方面有显著不同,以防止客户切换。第二,管理部门可以制定计划,通过提供及时的优质服务和确保良好的网络覆盖,鼓励建立信任和信心。最后,管理者应该确保促销活动的目的是建立关系。总之,非常重要的是,管理人员应该对研究中建立的客户转换行为的决定因素有足够的了解,以便采取预防措施,提高客户对改进的销售和盈利能力的保留。该研究通过确定客户对可能影响转换的营销变量的看法做出了重大贡献。
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引用次数: 0
Evaluation of Nigerian Government’s New Cashless Policy: Insights from Select National Dailies 对尼日利亚政府新无现金政策的评价:来自精选国家日报的见解
Pub Date : 2023-03-15 DOI: 10.37745/bjms.2013/vol11n3116
James Ndubuisi Nwakpa
The Central Bank of Nigeria (CBN) in a bid to reduce inflation and stabilize the country’s economy, introduced cashless policy in 2012. The move became more pronounced following the recent efforts to redesign the country’s 200, 500 and 1,000-naira local currency denominations, which resulted in high scarcity of money in circulation. Since then, the initiative has remained a contentious issue. This study appraised the level of success, impacts, challenges and prospects of the policy as reported in select Nigerian national daily newspapers. The study was anchored on the Diffusion of Innovation and Agenda Setting theories, while relying on secondary data, sourced from five Nigerian national daily newspapers. Manifest contents of the editorials/opinions and feature stories contained in the newspapers were analysed. Findings show that absence of appropriate legal/regulatory framework for e-payment; poor epileptic electric supply, illiteracy, lack of financial infrastructure; risk of identity theft and poor service from network providers were among the factors that hamper the success of the cashless policy in Nigeria. The paper holds that cashless society provides safer and more practical alternative means of transacting businesses than over reliance on physical cash, and that the initiative can improve on Nigeria’s economy only when well implemented, and calls on the government, financial institutions, network providers, academic institutions and other key stakeholders to work in synergy for a successful cashless economy to be achieved in Nigeria.
尼日利亚中央银行(CBN)为了减少通货膨胀和稳定国家经济,在2012年推出了无现金政策。在最近重新设计该国200,500和1,000奈拉的当地货币面额之后,这一举措变得更加明显,这导致了流通中的货币高度稀缺。从那时起,该倡议一直是一个有争议的问题。本研究评估了尼日利亚国家日报报道的该政策的成功程度、影响、挑战和前景。这项研究以创新扩散和议程设定理论为基础,同时依赖于来自五家尼日利亚全国性日报的二手数据。分析了各报纸社论/意见和专题报道的主要内容。调查结果显示,电子支付缺乏适当的法律/监管框架;电力供应差,文盲,缺乏金融基础设施;身份被盗的风险和网络提供商的糟糕服务是阻碍尼日利亚无现金政策成功的因素之一。论文认为,与过度依赖实物现金相比,无现金社会提供了更安全、更实用的商业交易替代手段,只有在实施良好的情况下,该倡议才能改善尼日利亚的经济,并呼吁政府、金融机构、网络提供商、学术机构和其他关键利益相关者协同努力,在尼日利亚实现成功的无现金经济。
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引用次数: 0
Sustainable Buying and Buyer Performance: Evidence from a Ghanaian Perspective 可持续购买与买方绩效:来自加纳视角的证据
Pub Date : 2023-02-15 DOI: 10.37745/bjms.2013/vol11n21549
E. Mensah, A. Gabrah, Ernest Marfo
Purpose- The purpose of this paper is to examine sustainable buying and its impact on buyer performance using Colleges of Education. This paper is a quantitative analysis based on seven Colleges of Education. Non-probability sampling techniques are used for choosing the unit of analysis. Also, data was collected through a well-structured questionnaire. The study found that the aspects of sustainable buying (Env, Soc, Eco) lead to improved buying performance. The study identified that buying performance is affected by e-buying systems, communication, organizational culture, business strategy, and size of organization, information available and monitoring. The study further discovered that the benefits of sustainable buying are improved quality of products, market expansion, increased intangible savings, reduced harmful emission of gas, value for money and increased efficiency in energy consumption. The study established the challenges of sustainable buying to be ineffective leadership, inadequate buying policies, budgetary constraint, inadequate compliance inspectors, lack of supplier collaboration and lack of capacity. Research limitations- the sample size is still limited and in future a quantitative analysis should be used. The study is limited in terms of the geographical area. The findings of the study are more likely to be held for other schools in all emerging market contexts. However, the applicability of these findings to other contexts needs further investigations. While interest on sustainable buying is increasing in emerging markets, there is little written on sustainable buying and its impact from the perspective of researchers from such market. Therefore, the impact of sustainable buying on buying performance has not been investigated so far.
目的-本文的目的是研究可持续购买及其对使用教育学院的买家绩效的影响。本文是基于七所教育学院的定量分析。非概率抽样技术用于选择分析单元。此外,数据是通过结构良好的问卷收集的。研究发现,可持续购买的各个方面(Env, Soc, Eco)导致购买绩效的提高。研究发现,购买绩效受电子购买系统、沟通、组织文化、商业战略、组织规模、信息可用性和监控的影响。研究进一步发现,可持续购买的好处包括提高产品质量、扩大市场、增加无形储蓄、减少有害气体排放、物有所值和提高能源消耗效率。研究确定了可持续采购的挑战是无效的领导、不充分的采购政策、预算限制、不充分的合规检查员、缺乏供应商合作和缺乏能力。研究局限性-样本量仍然有限,未来应该使用定量分析。这项研究受限于地理区域。这项研究的结果更有可能适用于所有新兴市场背景下的其他商学院。然而,这些发现在其他情况下的适用性需要进一步调查。虽然新兴市场对可持续购买的兴趣正在增加,但从这些市场的研究人员的角度来看,关于可持续购买及其影响的文章很少。因此,到目前为止,可持续购买对购买绩效的影响尚未被研究。
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引用次数: 0
The Effect of Perceived Value and Sales Promotion on Repurchase Intention by Mediation of Fund User Customer Satisfaction at Supermal Lippo Karawaci Tangerang 知觉价值和促销对超级力宝卡拉瓦奇橘子顾客满意度对回购意愿的影响
Pub Date : 2023-02-15 DOI: 10.37745/bjms.2013/vol11n25063
E. R. Taufik, Monica Desty Ayu Lestari
The effect of Perceived Value and Sales Promotion on Repurchase Intention by mediating Customer Satisfaction for user of DANA in Supermal Lippo Karawaci, Tangerang. The population in this study is the user of DANA in Supermal Lippo Karawaci, Tangerang. This research sample amounted 75 the user of DANA in Supermal Lippo Karawaci, Tangerang. In this study the methode used to analysis is the non-probability sampling method with the research method used is descriptive research with a quantitative approach. Data analyze techniques used in this study are Structural Equation Modelling (SEM) with using analysis tools SmartPLS 3.0. The results of the study using SmartPLS 3.0 show that: (1) Perceived Value has a positive and significant effect on Repurchase Intention (2) Sales Promotion has a positive and significant effect on Repurchase Intention (3) Perceived Value has a positive and significant effect on Customer Satisfaction (4) Sales Promotion has a positive and significant effect on Customer Satisfaction (5) Customer Satisfaction has a positive and significant effect on Repurchase Intention.
感知价值和促销通过中介顾客满意度对丹参超市顾客再购买意愿的影响。本研究的人群为Tangerang市Supermal Lippo Karawaci的DANA使用者。本研究样本量为75名丹参市超级力宝卡拉瓦奇的DANA使用者。在本研究中,分析方法采用非概率抽样方法,研究方法采用定量方法的描述性研究。本研究中使用的数据分析技术是结构方程建模(SEM),使用分析工具SmartPLS 3.0。使用SmartPLS 3.0的研究结果表明:(1)感知价值对再购买意愿有正向显著的影响(2)促销对再购买意愿有正向显著的影响(3)感知价值对顾客满意有正向显著的影响(4)促销对顾客满意有正向显著的影响(5)顾客满意对再购买意愿有正向显著的影响。
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引用次数: 0
Effects of Digital Marketing and Service Quality Towards Business Performance That Is Mediated by Competitiveness 以竞争力为中介的数字营销和服务质量对企业绩效的影响
Pub Date : 2023-02-15 DOI: 10.37745/bjms.2013/vol11n2114
Ernani Hadiyati
The research aimed to analyze effects of digital marketing and service quality towards business performance with competitiveness as a mediating variable. The research sample involved 114 people of meatball-culinary micro entrepreneurs in Malang City, East Java Province, Indonesia. The sampling technique applied purposive sampling. Research data analysis was done with some steps including frequency distribution, validity and reliability tests, path analysis method with SPSS software and for mediation test with sobel test. The research results showed: first, that digital marketing had significant effect on business performance with the mediation of competitiveness and the partial mediation model. Second, service quality had a significant effect on business performance with the mediation of competitiveness and the full mediation model. Results of the Sobel test proved that competitiveness was the right mediating variable for digital marketing and service quality influenced business performance. The research results practically contributed ideas to meatball-culinary micro-entrepreneurs in implementing digital marketing, service quality, competitiveness and business performance.
本研究以竞争力为中介变量,分析数字营销和服务质量对企业绩效的影响。研究样本涉及印度尼西亚东爪哇省玛琅市114名肉丸烹饪微型企业家。抽样技术采用目的性抽样。研究数据分析采用SPSS软件进行频率分布、效度和信度检验、通径分析法,采用sobel检验进行中介检验。研究结果表明:第一,通过竞争力的中介和部分中介模型,数字营销对企业绩效有显著的影响。第二,服务质量在竞争力和全中介模型的中介作用下对企业绩效有显著影响。Sobel检验结果证明竞争力是数字营销的正确中介变量,服务质量影响企业绩效。研究结果为肉丸烹饪微企业家实施数字营销、服务质量、竞争力和经营绩效提供了实践思路。
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引用次数: 0
The Measurement of SMEs Perception and Awareness in Banten Province, Indonesia 印尼万丹省中小企业知觉与意识的测量
Pub Date : 2023-02-15 DOI: 10.37745/bjms.2013/vol11n26475
Fauji Sanusi, A. D. Ramdansyah
The research aims to study about the awareness and perceptions of the SMEs palm sugar in Lebak district, Banten Province-Indonesia on Fintech model such as Peer-to-Peer lending and crowd funding in developing their business. The researchers designed as many as 17 questions to conduct a survey related to the research variable. Descriptive analysis is applied by using Microsoft Office Excel data processing. Frequency distribution and central size are used for data analysis. The results show that awareness level of the most respondents is still insufficient on Peer-to-Peer lending and crowd funding as alternative financing instruments. The majority of them have a positive perception of FinTech development. It can be concluded that the level of awareness of most respondents is still very limited, especially on P2P loans, Crowdfunding and other FinTech services provided by non-bank financial institutions. They need to increase awareness level of palm sugar SMEs by related parties such as the government.
本研究旨在研究印尼万丹省Lebak区棕榈糖中小企业在开展业务时对p2p借贷、众筹等金融科技模式的认识和认知。研究人员设计了多达17个问题来进行与研究变量相关的调查。采用Microsoft Office Excel进行数据处理,采用描述性分析。数据分析采用频率分布和中心大小。结果显示,大多数受访者对p2p借贷和众筹作为替代融资工具的认识水平仍然不足。他们中的大多数人对金融科技的发展持积极态度。可以得出结论,大多数受访者的认识水平仍然非常有限,特别是对P2P贷款,众筹等非银行金融机构提供的FinTech服务。他们需要提高政府等相关方对棕榈糖中小企业的认识。
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引用次数: 0
Correlation of potentials and challenges of digital advertising with consumer behaviour in Delta State, Nigeria 尼日利亚三角洲州数字广告与消费者行为的潜力和挑战的相关性
Pub Date : 2023-01-15 DOI: 10.37745/bjms.2023/vol11n12639
Ivwrighen Hannah Emuobasa
This study is examined the correlation of the potentials and challenges of digital advertising with consumer purchasing behaviour in Delta State, Nigeria. The scope of the study illuminated the potential and challenges of digital advertising while highlighting trends and factors of consumers’ purchasing behaviour. Following a descriptive research design, the questionnaire was used to collect data from 400 respondents drawn from the three senatorial zones in Delta State. Stata software 15.0 was used to test hypothesis and deductions were made from findings that the potential of digital advertising is helping businesses to be more visible not minding the challenges it is facing. Also drawn is the conclusion that despite the triggering trends and constraining factors of consumer purchasing behaviour, digital advertising remains viable as long as digitalization is metamorphic.
本研究考察了尼日利亚三角洲州数字广告与消费者购买行为的潜力和挑战之间的相关性。该研究的范围阐明了数字广告的潜力和挑战,同时强调了消费者购买行为的趋势和因素。在描述性研究设计之后,调查问卷被用来收集来自三角洲州三个参议院区的400名受访者的数据。Stata软件15.0被用来检验假设,并从发现中得出结论,即数字广告的潜力正在帮助企业更引人注目,而不管它面临的挑战。得出的结论是,尽管消费者购买行为的触发趋势和制约因素,只要数字化是变形的,数字广告仍然是可行的。
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引用次数: 0
期刊
British Journal of Marketing Studies
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