Pub Date : 2022-12-31DOI: 10.47363/jesmr/2022(3)166
Amos Avny
Public affairs at the Post-modern Era suffer mainly from two major problems: A continues shortage of investment funds and b. a persisting struggle upon the main social services’ quality. The author relates to these issues by offering better ways and more sophisticated methods for combining Private funds with public demanding customers. In general, the Author suggests to divide all public activities into two categories; Category 1 – includes all Defense, Security, Law and Social services - the Software Group 1. Category 2 – includes all types of public works, Infrastructures, constructions communication lines etc. – the Hardware group 2. Principally, most expenses of Group 1 would be financed by regular budgets and funds. Group 2 costs and expenses would be financed by investment Banks and commercial funds. This schematic partition may provide a serious leverage for further development. In addition, some novel ways for improving collaboration between the public and the private sectors is offered. For improving the quality of the social services, the author suggests to expand the use of vertical modes of operation (projects), rather than the use of the popular horizontal ones (traditional organizational set-ups). A short discussion on project management is therefore included. Additionally, the author discusses the issue of bureaucracy in Public Administration. After reviewing Max Weber’s 6 major principles of the Theory of Bureaucracy, some critics and renovations are suggested. At the end the author offers some operational advices with the hope to see future Public Administration more peoplefriendly and a more human-oriented enterprise
{"title":"Public Administration in the Post-modern Era","authors":"Amos Avny","doi":"10.47363/jesmr/2022(3)166","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)166","url":null,"abstract":"Public affairs at the Post-modern Era suffer mainly from two major problems: A continues shortage of investment funds and b. a persisting struggle upon the main social services’ quality. The author relates to these issues by offering better ways and more sophisticated methods for combining Private funds with public demanding customers. In general, the Author suggests to divide all public activities into two categories; Category 1 – includes all Defense, Security, Law and Social services - the Software Group 1. Category 2 – includes all types of public works, Infrastructures, constructions communication lines etc. – the Hardware group 2. Principally, most expenses of Group 1 would be financed by regular budgets and funds. Group 2 costs and expenses would be financed by investment Banks and commercial funds. This schematic partition may provide a serious leverage for further development. In addition, some novel ways for improving collaboration between the public and the private sectors is offered. For improving the quality of the social services, the author suggests to expand the use of vertical modes of operation (projects), rather than the use of the popular horizontal ones (traditional organizational set-ups). A short discussion on project management is therefore included. Additionally, the author discusses the issue of bureaucracy in Public Administration. After reviewing Max Weber’s 6 major principles of the Theory of Bureaucracy, some critics and renovations are suggested. At the end the author offers some operational advices with the hope to see future Public Administration more peoplefriendly and a more human-oriented enterprise","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"317 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123459181","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-12-31DOI: 10.47363/jesmr/2022(3)164
P. T. P. Hutomo, Sandra Nursanti
Employee performance is the main target to improve organizational progress, and employee competence is a solution to improve employee performance as well as improve organizational performance. Organizational performance can be improved through organizational learning and organizational commitment. The purpose of this research is to improve employee performance which is supported by organizational learning and organizational commitment with employee competence as a solution to performance problems. The population in this study were all staff of Audit Board of the Republic of Indonesia (BPK) functional employees in Central Java Province, which amounted to 245 employees and all employees were sampled. The analytical tool uses SPSS 22. The results of the study found that organizational learning and organizational commitment have a significant effect on employee performance. Organizational learning and employee commitment have a significant effect on employee competence. Employee competence mediates organizational learning and mediates organizational commitment to employee performance.
{"title":"Prihatin Tiyanto Priagung Hutomo, Faculty of Economics and Business, University of 17 August 1945 Semarang, Indonesia. Email: prihatintiyanto@gmail.com","authors":"P. T. P. Hutomo, Sandra Nursanti","doi":"10.47363/jesmr/2022(3)164","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)164","url":null,"abstract":"Employee performance is the main target to improve organizational progress, and employee competence is a solution to improve employee performance as well as improve organizational performance. Organizational performance can be improved through organizational learning and organizational commitment. The purpose of this research is to improve employee performance which is supported by organizational learning and organizational commitment with employee competence as a solution to performance problems. The population in this study were all staff of Audit Board of the Republic of Indonesia (BPK) functional employees in Central Java Province, which amounted to 245 employees and all employees were sampled. The analytical tool uses SPSS 22. The results of the study found that organizational learning and organizational commitment have a significant effect on employee performance. Organizational learning and employee commitment have a significant effect on employee competence. Employee competence mediates organizational learning and mediates organizational commitment to employee performance.","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"121 3","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114010190","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-12-31DOI: 10.47363/jesmr/2022(3)168
Y. Gebremeskel, Malizyani Chilanga
A strong financial system with a wide range of financial services has an impact on economic growth and development. In this paper, we examine the effects of financial deepening on Zambia’s economic growth using data from 1986 to 2017. Financial deepening is approximated by domestic credit to the private sector as a ratio of GDP (DCPY), liquid liabilities as a ratio of GDP (LLY), and financial system deposits as a ratio of GDP (FSD). We use bound test approach to co-integration that justified the use of the Autoregressive Distributed Lag (ARDL) model. The study found that DCPY had an insignificant effect in the short-run but a significant negative effect in the long-run, whilst the variables LLY and FSD had insignificant effects in both the long-run but their two previous values had significant effects in the short-run. LLY’s values had positive significant effects while FSD’s values had negative significant effects. Therefore we concluded that there is weak link between financial deepening variables and GDP growth rate in Zambia.
{"title":"Financial Deepening and Economic Growth in Zambia","authors":"Y. Gebremeskel, Malizyani Chilanga","doi":"10.47363/jesmr/2022(3)168","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)168","url":null,"abstract":"A strong financial system with a wide range of financial services has an impact on economic growth and development. In this paper, we examine the effects of financial deepening on Zambia’s economic growth using data from 1986 to 2017. Financial deepening is approximated by domestic credit to the private sector as a ratio of GDP (DCPY), liquid liabilities as a ratio of GDP (LLY), and financial system deposits as a ratio of GDP (FSD). We use bound test approach to co-integration that justified the use of the Autoregressive Distributed Lag (ARDL) model. The study found that DCPY had an insignificant effect in the short-run but a significant negative effect in the long-run, whilst the variables LLY and FSD had insignificant effects in both the long-run but their two previous values had significant effects in the short-run. LLY’s values had positive significant effects while FSD’s values had negative significant effects. Therefore we concluded that there is weak link between financial deepening variables and GDP growth rate in Zambia.","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"88 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126122054","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-09-30DOI: 10.47363/jesmr/2022(3)160
Christian Oriaku Chinenyem, S. Omale
The focus of this article is on: ‘Fostering Resilience Information Technology (IT) for Workforce Contentment and Organizational Performance’. Information technology comprises all aspect of processing, storage as well as diffusion of information that are used in an electronic format. Regardless of the affirmative role of IT to economic efficiency as well as growth, an emergent country like ours is still lacking behind in using IT in manufacturing activities. Nigeria as a country is confronted with massive challenges in IT which has continuously nose dive Nigeria financial system as a result of challenges in terms of building IT connected to manufacturing functions. As a result, the objectives of this article was to find out the extent to which fostering resilience IT impact positively on employees contentment and to examine the perceived effect of resilience of information technology on organizational performance in the selected service firms in FCT-Abuja Nigeria. Data in term of secondary method as well as primary method of data collection were used to source for relevant information. A statistical technique such as regression analysis was used to test the hypotheses. Outcome from the analysis showed that fostering resilience IT has an affirmative impact on employees’ contentment as well as organizational performance in the selected service firms in FCT-Abuja Nigeria. The paper suggests that, organizational leaders must utilize human resource management theories and best information technology practices, acquire and train employees in this novel idea, appraise, reward and compensate employees to get the best from them. These will allow organization to engage the right skilled employee, placed them on the right job thereby leading to low turnover as well as enhanced good organization in their innovation process.
{"title":"Fostering Resilience Information and Communication Technology (ICT) for Workforce Contentment and Organizational Performance","authors":"Christian Oriaku Chinenyem, S. Omale","doi":"10.47363/jesmr/2022(3)160","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)160","url":null,"abstract":"The focus of this article is on: ‘Fostering Resilience Information Technology (IT) for Workforce Contentment and Organizational Performance’. Information technology comprises all aspect of processing, storage as well as diffusion of information that are used in an electronic format. Regardless of the affirmative role of IT to economic efficiency as well as growth, an emergent country like ours is still lacking behind in using IT in manufacturing activities. Nigeria as a country is confronted with massive challenges in IT which has continuously nose dive Nigeria financial system as a result of challenges in terms of building IT connected to manufacturing functions. As a result, the objectives of this article was to find out the extent to which fostering resilience IT impact positively on employees contentment and to examine the perceived effect of resilience of information technology on organizational performance in the selected service firms in FCT-Abuja Nigeria. Data in term of secondary method as well as primary method of data collection were used to source for relevant information. A statistical technique such as regression analysis was used to test the hypotheses. Outcome from the analysis showed that fostering resilience IT has an affirmative impact on employees’ contentment as well as organizational performance in the selected service firms in FCT-Abuja Nigeria. The paper suggests that, organizational leaders must utilize human resource management theories and best information technology practices, acquire and train employees in this novel idea, appraise, reward and compensate employees to get the best from them. These will allow organization to engage the right skilled employee, placed them on the right job thereby leading to low turnover as well as enhanced good organization in their innovation process.","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128866135","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
In an era of widespread internet-based commerce, any company with a web-based storefront is looking for ways to improve the customer experience, with the ultimate goal of facilitating purchases. This process can take many forms and use many strategies, but all of them start with one core task. The company must be able to identify who is least likely and most likely to make a purchase. We suggest that with basic web browsing analytics, machine learning with integrated artificial intelligence accompany with deep learning component can provide this capability, and is a viable tool for effective customer segmentation.
{"title":"Data Analysis of Online Shopper’s Purchasing Intention Machine Learning for Prediction Analytics","authors":"Andrew Frazier, Fatbardha Maloku, Xinzi Li, Yichun Chen, Yeji Jung, Bahman Zohuri","doi":"10.47363/jesmr/2022(3)162","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)162","url":null,"abstract":"In an era of widespread internet-based commerce, any company with a web-based storefront is looking for ways to improve the customer experience, with the ultimate goal of facilitating purchases. This process can take many forms and use many strategies, but all of them start with one core task. The company must be able to identify who is least likely and most likely to make a purchase. We suggest that with basic web browsing analytics, machine learning with integrated artificial intelligence accompany with deep learning component can provide this capability, and is a viable tool for effective customer segmentation.","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117233509","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-09-30DOI: 10.47363/jesmr/2022(3)158
Milner Siboleka
Namibia is faced with low access levels to housing, a situation partly ascribed to costly building materials. As an open small economy which imports a significant share of its building materials requirements, the exchange rate remains key factor on the trend of end user prices. This paper analyzed bivariate relationships between the exchange rate and building material prices disaggregated in six categories of building materials namely: Brickwork materials; Roofing, doors & window materials; Plumbing materials; Electrical materials; Tilling & painting materials; and Total materials. The correlation coefficient results ranged from 0.4751 to 0.8990 with Tilling & Painting and brickwork materials having the lowest of all albeit generally still high correlation coefficient of 0.5 while Electrical and Plumbing materials have the highest correlation coefficients of 0.8990 and 0.7819 respectively. This paper interprets these results in line with composition of imports among these categories. Brickwork materials that have the lowest correlation coefficient alongside tilling and painting materials are predominantly produced locally while Electrical and plumbing materials with the highest correlation coefficients are predominantly imported
{"title":"The Correlation between Exchange Rates and Selected Types of Building Materials Prices in Namibia, 2016-2021","authors":"Milner Siboleka","doi":"10.47363/jesmr/2022(3)158","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)158","url":null,"abstract":"Namibia is faced with low access levels to housing, a situation partly ascribed to costly building materials. As an open small economy which imports a significant share of its building materials requirements, the exchange rate remains key factor on the trend of end user prices. This paper analyzed bivariate relationships between the exchange rate and building material prices disaggregated in six categories of building materials namely: Brickwork materials; Roofing, doors & window materials; Plumbing materials; Electrical materials; Tilling & painting materials; and Total materials. The correlation coefficient results ranged from 0.4751 to 0.8990 with Tilling & Painting and brickwork materials having the lowest of all albeit generally still high correlation coefficient of 0.5 while Electrical and Plumbing materials have the highest correlation coefficients of 0.8990 and 0.7819 respectively. This paper interprets these results in line with composition of imports among these categories. Brickwork materials that have the lowest correlation coefficient alongside tilling and painting materials are predominantly produced locally while Electrical and plumbing materials with the highest correlation coefficients are predominantly imported","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129869073","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-09-30DOI: 10.47363/jesmr/2022(3)161
D. de Silva, R. Amaradasa
The integration of technology into education aims at improving the effectiveness and efficiency of education in its organization, implementation and achievements. This remains valid for all countries across the globe irrespective of stratifications and hierarchies. The mediation of technology functions on the assumption that it leads to positive developments to education. Sri Lanka as a developing country in the South Asian region can be considered as one of the few countries that have always prioritized education in its national agenda. The development of technology in education is a key objective of the Sri Lankan development plan to cater to the local and global economy and its advancement. This chapter attempts to emphasize the aims and objectives for technology mediated education in Sri Lanka by the state, the challenges faced by various stakeholders in the field of education in planning, implementing and sustaining a technology mediated education system in the primary, secondary and tertiary tiers of education in Sri Lanka and the strategies used to overcome the key challenges in schools and universities through the implementation of local and international projects. A cross sectional study was conducted to investigate the technology mediated educational landscape in the country. A mixed method approach was used where both primary and secondary data was utilized. Secondary data was gathered under the thematic orientation of the chapter. In selecting the primary data, a stratified purposive sample was selected to gather data from key stakeholders involved in education in Sri Lanka including parents, school students, school teachers, university teachers, university students, planners through structured interviews. The findings reveal that while there has been a considerable development in technology mediated education in Sri Lanka, there are many challenges on the grass-root level that has to be tackled for an equitable system of technology education
{"title":"Technology Mediated Education in Sri Lanka: Expectations, Challenges and Strategies","authors":"D. de Silva, R. Amaradasa","doi":"10.47363/jesmr/2022(3)161","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)161","url":null,"abstract":"The integration of technology into education aims at improving the effectiveness and efficiency of education in its organization, implementation and achievements. This remains valid for all countries across the globe irrespective of stratifications and hierarchies. The mediation of technology functions on the assumption that it leads to positive developments to education. Sri Lanka as a developing country in the South Asian region can be considered as one of the few countries that have always prioritized education in its national agenda. The development of technology in education is a key objective of the Sri Lankan development plan to cater to the local and global economy and its advancement. This chapter attempts to emphasize the aims and objectives for technology mediated education in Sri Lanka by the state, the challenges faced by various stakeholders in the field of education in planning, implementing and sustaining a technology mediated education system in the primary, secondary and tertiary tiers of education in Sri Lanka and the strategies used to overcome the key challenges in schools and universities through the implementation of local and international projects. A cross sectional study was conducted to investigate the technology mediated educational landscape in the country. A mixed method approach was used where both primary and secondary data was utilized. Secondary data was gathered under the thematic orientation of the chapter. In selecting the primary data, a stratified purposive sample was selected to gather data from key stakeholders involved in education in Sri Lanka including parents, school students, school teachers, university teachers, university students, planners through structured interviews. The findings reveal that while there has been a considerable development in technology mediated education in Sri Lanka, there are many challenges on the grass-root level that has to be tackled for an equitable system of technology education","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132175993","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-09-30DOI: 10.47363/jesmr/2022(3)159
Maria Silvia Avi
Sales revenues must be analysed both from an income point of view through ROS and from a financial and/or monetary point of view, i.e. determined in terms of monetary flows, representing the essential financial lifeblood for the company’s management to be carried out in total efficiency and effectiveness. The sales return analysis must therefore be twofold: income and monetary. This analysis must include all the necessary steps to identify the specific causes of the trend, positive or negative, of the profit and monetary ‘return’ of sales revenue
{"title":"Sales Revenues Makers of Profit Monetary Cash Flow and Financial Resources","authors":"Maria Silvia Avi","doi":"10.47363/jesmr/2022(3)159","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)159","url":null,"abstract":"Sales revenues must be analysed both from an income point of view through ROS and from a financial and/or monetary point of view, i.e. determined in terms of monetary flows, representing the essential financial lifeblood for the company’s management to be carried out in total efficiency and effectiveness. The sales return analysis must therefore be twofold: income and monetary. This analysis must include all the necessary steps to identify the specific causes of the trend, positive or negative, of the profit and monetary ‘return’ of sales revenue","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122175536","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-09-30DOI: 10.47363/jesmr/2022(3)163
Makhetha Ls
The one important aspect of the development financing institution (DFI) to serve its development mandate lies inevitably in its institutional design. In Lesotho, the Lesotho National Development Corporation (LNDC) is marked as the DFI that is instituted to give developmental policy direction in the manufacturing sector. Although the LNDC, constitutionally, is mandated to develop the manufacturing sector, there’s a need for a private sector-led economy that is particularly driven by large-scale enterprises that also require a strenuous industrial update and adequate infrastructure. Despite the importance of private sector development, the LNDC mandate does not cover the financing of large-scale enterprises. This paper, therefore, examines the LNDC’s institutional design and its financial structure, which embodies various financial institutional arrangements to meet industrial upgrade. The conclusion lies in the question of whether the Basotho Enterprise Development Corporation (BEDCO) and LNDC should be merged or whether one should be dissolved, and its operations are assigned to the existing DFI.
{"title":"Theory, Practice and DFI Institutional Design: Case of the Lesotho National Development Corporation","authors":"Makhetha Ls","doi":"10.47363/jesmr/2022(3)163","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)163","url":null,"abstract":"The one important aspect of the development financing institution (DFI) to serve its development mandate lies inevitably in its institutional design. In Lesotho, the Lesotho National Development Corporation (LNDC) is marked as the DFI that is instituted to give developmental policy direction in the manufacturing sector. Although the LNDC, constitutionally, is mandated to develop the manufacturing sector, there’s a need for a private sector-led economy that is particularly driven by large-scale enterprises that also require a strenuous industrial update and adequate infrastructure. Despite the importance of private sector development, the LNDC mandate does not cover the financing of large-scale enterprises. This paper, therefore, examines the LNDC’s institutional design and its financial structure, which embodies various financial institutional arrangements to meet industrial upgrade. The conclusion lies in the question of whether the Basotho Enterprise Development Corporation (BEDCO) and LNDC should be merged or whether one should be dissolved, and its operations are assigned to the existing DFI.","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"28 18","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131805045","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-06-30DOI: 10.47363/jesmr/2022(3)153
Tawfik Alhashemi
{"title":"Determinants of Financial Inclusion with a Focus on Technology Religious Diversity and Financial Literacy","authors":"Tawfik Alhashemi","doi":"10.47363/jesmr/2022(3)153","DOIUrl":"https://doi.org/10.47363/jesmr/2022(3)153","url":null,"abstract":"","PeriodicalId":309331,"journal":{"name":"Journal of Economics & Management Research","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134423850","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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