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Exploring the development of regulatory framework for crypto assets in South Africa 探索南非加密资产监管框架的发展情况
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-08
Michael Adelowotan
This paper explores the need for, and forms of regulatory framework and laws established to guide and control the growing number of individuals and firms investing and trading in crypto assets in South Africa. The step taken to regulate crypto assets was necessitated by the 2021 report of the Paris-based intergovernmental organisation referred to as the Financial Action Task Force (FATF) which revealed that there is apparent lack of crypto assets regulation in South Africa. In rising to this challenge, the South African regulatory authority known as the Financial Sector Conduct Authority (FSCA) in October 2022 indicated that crypto assets are digital representation of value and therefore could be categorised as financial product which are to be subjected to FSCA regulations with reference to Section 1(h) of the Financial Advisory and Intermediary Services Act (FAIS). The method adopted was to review the regulatory framework and laws governing crypto assets in South Africa. It was found that relevant regulatory framework and laws are needed to provide adequate protection for the investing public and to provide avenues for the sustainability and stability of the crypto assets business sector. The paper concludes that providing an efficient regulatory framework for crypto assets in South Africa will assist in limiting the risk of volatility and cyber-attacks to which individuals and firms trading and/or investing in crypto assets are exposed to. Moreover, an awareness of various regulatory controls and laws governing investments in crypto assets will ensure that individuals and firms in this sector tread in the path of caution.
本文探讨了建立监管框架和法律的必要性和形式,以指导和控制南非越来越多的个人和公司投资和交易加密资产。总部设在巴黎的政府间组织金融行动特别工作组(FATF)2021 年的报告显示,南非明显缺乏对加密资产的监管。为了应对这一挑战,南非监管机构--金融部门行为监管局(FSCA)于 2022 年 10 月表示,加密资产是价值的数字代表,因此可归类为金融产品,应参照《金融咨询和中介服务法》(FAIS)第 1(h)条,对其进行监管。所采用的方法是审查南非有关加密资产的监管框架和法律。研究发现,需要制定相关的监管框架和法律,为投资大众提供充分的保护,并为加密资产业务部门的可持续性和稳定性提供途径。本文的结论是,为南非的加密资产提供有效的监管框架将有助于限制交易和/或投资加密资产的个人和公司面临的波动和网络攻击风险。此外,了解有关加密资产投资的各种监管控制和法律将确保该行业的个人和公司谨慎行事。
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引用次数: 0
Advancing Work-Life Equilibrium through Employee Engagement and Innovation 通过员工参与和创新促进工作与生活的平衡
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-10
Vidhu Gaur
The importance of employee engagement and work happiness cannot be overstated in the context of organisational success, especially within the highly competitive Information Technology (IT) industry. This abstract presents a comprehensive study that examines the complex correlation between employee engagement and job satisfaction as well as the employee innovation and job satisfaction within the IT industry. The research utilises quantitative surveys and a standardised questionnaire to collect data from information technology workers across different job positions as well as the stages of expertise. The study evaluates the employee engagement influences, employee innovation, job satisfaction and identifies the reasons that impede all engagement, innovation and satisfaction levels. SPSS-22 is employed for doing descriptive analysis and regression analysis. The study's primary findings indicate a robust and favourable association between employee involvement and job satisfaction specifically within the IT industry. Employees are enthusiastically involved in their work have been found to experience higher levels of job satisfaction, enhanced productivity, and a stronger sense of dedication towards their respective organisations. The study additionally finds several factors that contribute to involvement within the IT business, including but not limited to possibilities for enhancing skills, acknowledgment of achievements, and the congruence between personal and organisational ideals. In contrast, the research emphasises the obstacles that could hinder the level of IT employee engagement and job satisfaction. These issues encompass an overwhelming workload, an absence of equilibrium between work and personal life, and a scarcity of prospects for career progression. This link is further examined by considering factors such as leadership quality and communication within organisations, which are seen as influential variables. The research highlights the importance of cultivating employee engagement and employee innovation as a strategic necessity for IT organisations aiming to augment job satisfaction, retain exceptional personnel, and attain sustained success. This publication offers pragmatic insights and suggestions for human resources professionals and organisational leaders to enhance levels of engagement, foster job happiness, and ultimately optimise the performance and well-being of information technology personnel. In summary, this research provides significant contributions to investigate the composite relationship between employee engagement as well as employee innovation on work satisfaction within the information technology industry. This statement underscores the belief that organisations functioning within this industry consider a motivated and engaged staff to be a crucial asset. Furthermore, it suggests that endeavours aimed at improving employee engagement can significantly influence job satisfaction, organisational performance, and empl
员工敬业度和工作幸福感对于组织成功的重要性怎么强调都不为过,尤其是在竞争激烈的信息技术(IT)行业。本摘要介绍了一项综合研究,探讨了 IT 行业中员工敬业度与工作满意度以及员工创新与工作满意度之间的复杂关联。研究利用定量调查和标准化问卷,从不同工作岗位和专业阶段的信息技术工作者那里收集数据。研究评估了员工敬业度的影响因素、员工创新度和工作满意度,并找出了阻碍所有敬业度、创新度和满意度水平的原因。研究采用 SPSS-22 进行描述性分析和回归分析。研究的主要结果表明,特别是在 IT 行业,员工参与度与工作满意度之间存在着稳固而有利的联系。研究发现,热心参与工作的员工会体验到更高的工作满意度、更高的生产率以及对各自组织更强烈的奉献精神。此外,研究还发现了一些有助于参与 IT 行业的因素,包括但不限于提高技能的可能性、对成就的认可以及个人与组织理想之间的一致性。与此相反,研究强调了可能阻碍 IT 员工参与度和工作满意度的障碍。这些问题包括繁重的工作量、工作与个人生活之间缺乏平衡以及职业发展前景黯淡。通过考虑组织内的领导素质和沟通等被视为影响变量的因素,对这种联系进行了进一步研究。研究强调了培养员工敬业度和员工创新能力的重要性,这对旨在提高工作满意度、留住优秀人才并获得持续成功的 IT 企业来说是一项战略需要。本出版物为人力资源专业人员和组织领导者提供了务实的见解和建议,以提高员工敬业度、促进工作幸福感,并最终优化信息技术人员的绩效和福利。总之,本研究为调查信息技术行业中员工敬业度和员工创新度与工作满意度之间的综合关系做出了重要贡献。这一论述强调了这样一种信念,即在该行业内工作的组织认为积极主动的员工是至关重要的资产。此外,它还表明,旨在提高员工敬业度的努力会极大地影响工作满意度、组织绩效和员工保留率。
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引用次数: 0
Using business analytics tools to boost Saudi business performance 使用业务分析工具提高沙特的业务绩效
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-13
Rahma Lahyani, Aljuharah Alhammad, Sarah Alyahya
This research studies the adoption of business analytics tools to improve business performance and operational efficiency in Saudi Arabia. The sample size considered includes 50 companies of different sizes and operating in different business sectors (consulting, manufacturing, food and beverages, retail, etc). The regression analysis confirms the positive correlation between the use of business analytics tools and enhancing business performance in the Saudi market. This finding supports the pervasive spread of business analytics in the business sector.
本研究探讨了沙特阿拉伯采用商业分析工具提高业务绩效和运营效率的情况。考虑的样本量包括 50 家不同规模的公司,这些公司在不同的业务领域(咨询、制造、食品和饮料、零售等)运营。回归分析证实,在沙特市场,使用业务分析工具与提高业务绩效之间存在正相关关系。这一研究结果支持了商业分析在商业领域的普及。
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引用次数: 0
The Digital Evolution- need to adapt education for a Tech-Savvy Generation 数字化演变--需要为精通技术的一代调整教育
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-14
Iris Billy, Hannah Anush
Technology and innovation have impacted all industries and education is not exempt from this change. Organizations in different industries are constantly re-inventing their competencies and capabilities based on the technological upgrades that are being introduced into the markets; however, the change in education has not seen a drastic shift as it should. The current generation of scholars are exposed to technology from an early age (Manchanda, & Arora, 2023) and are equipped with tech-savvy devices that they are capable of using efficiently; can education leverage this skill in students to impart knowledge and improve their capabilities. This study aims to understand the gap in digitalization of education and propose various mediums and methods to adapt curriculum to engage students. Recent literature will also be reviewed as part of the study to gather evidence regarding empirical studies that have identified the need for technological adaptations, the benefits derived, and process followed to accomplish the same. There are a multitude of factors that must be considered to transform the education system through digitalization; as it certainly is not a simple process; the need to implement technology, students’ expectations, alignment between course content and technology, instructors’ ability to adapt to the change are some key factors that will impact this digital evolution in education. A vital purpose for conducting the study is also to evaluate the need for the suggested changes in education as current students are the future workforce who must be aware of technology, as it makes them employable in organizations; a digitally enables study environment trains students to utilize their technological skills so they can be transferred to organizations when they graduate and seek job opportunities (Murniarti, Simbolon, Purwoko, Fatmawati, & Hariyanto, 2023).
技术和创新影响着所有行业,教育也不能幸免。各行各业的组织机构都在根据市场上出现的技术升级,不断重塑自身的竞争力和能力;然而,教育领域的变化却没有出现应有的急剧转变。当代学者从小就接触技术(Manchanda & Arora, 2023),并配备了精通技术的设备,他们能够高效地使用这些设备;教育能否利用学生的这一技能来传授知识并提高他们的能力。本研究旨在了解教育数字化方面的差距,并提出各种媒介和方法来调整课程以吸引学生。作为研究的一部分,还将对近期文献进行回顾,以收集有关实证研究的证据,这些实证研究确定了技术改造的必要性、带来的益处以及实现技术改造所遵循的流程。要通过数字化改造教育系统,必须考虑许多因素,因为这肯定不是一个简单的过程;实施技术的必要性、学生的期望、课程内容与技术之间的协调、教师适应变化的能力等都是影响教育数字化发展的一些关键因素。开展这项研究的一个重要目的还在于评估建议的教育变革的必要性,因为目前的学生是未来的劳动力,他们必须了解技术,因为技术使他们能够在组织中就业;一个数字化的学习环境能够培训学生利用他们的技术技能,这样当他们毕业并寻找工作机会时,就可以将这些技能转移到组织中(Murniarti, Simbolon, Purwoko, Fatmawati, & Hariyanto, 2023)。
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引用次数: 0
The impact of Artificial Intelligence on E-commerce supply chain sector in achieving cost efficiency and economic growth: A business and economics perspective 人工智能对电子商务供应链部门实现成本效益和经济增长的影响:商业和经济学视角
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-09
Kripalini Saginala, Flomny Menon
The study aims to find how much cost effectiveness is achieved when e-commerce supply chain operations use automation and AI technologies. therefore,ing technology of AI and its models have essentially proved to be impactful in making data driven decisions by the organisations gaining leverage in productivity and profit sustainability in a way that the companies achieve competitive advantage therefore creating sustainable value propositions from business and economics perspective. Aim/Purpose The aim of the paper is to explore the positive relationship between AI technologies and productivity levels in the e-commerce supply chain sector through achieving cost effectiveness and economic growth. Methodology/Approach The study focussed on reviewing literature on how Artificial Intelligence driven technology can optimise various supply chain functions within e-commerce sector. Solow-Swan growth model has been applied to investigate the value AI creates in utilising capital, labour input to achieve output growth. Positivist approach that allowed for objective observation and independent conclusions has been adopted. For primary data, quantitative methodology is used through survey questionnaires to gather data from a sample of 206 employees, managers, data analysts in e-commerce supply chain sectors. Findings The findings from the secondary sources inform that the use of AI and automation in the e-commerce industry leads to a high rate of productivity in terms of reducing costs and promoting economic growth. The primary research methods, through survey questionnaires collects real-time data that helps achieve quantifiable and measurable values to conclude that AI-led technology can increase productivity and competitive advantage as it saves cost while increasing productivity and overall economic input. Descriptive statistics of measures of central tendency were used to present findings in simpler, presentable way followed by interpretations of the data in percentages. Practical implications Managers and decision-making directorial board members have important lessons to learn from these findings as the quantifiable values may give them an insight into how much capital investment should be allocated for AI technologies and how predictive analytics and data analysis can accelerate their service towards becoming customer centric. Significant strategic planning and implementation of resource management can lead to higher rates of productivity profitability and eventually higher economic growth.
因此,人工智能技术及其模型已被证明对组织做出数据驱动型决策具有重要影响,可提高生产率和利润的可持续性,使公司获得竞争优势,从而从商业和经济学角度创造可持续的价值主张。目的 本文旨在通过实现成本效益和经济增长,探讨人工智能技术与电子商务供应链部门生产力水平之间的积极关系。方法/途径 本研究重点回顾了有关人工智能驱动技术如何优化电子商务领域各种供应链功能的文献。采用索洛-斯旺增长模型研究人工智能在利用资本、劳动力投入实现产出增长方面创造的价值。研究采用了实证主义方法,以便进行客观观察并得出独立结论。在原始数据方面,采用了定量方法,通过调查问卷从 206 名电子商务供应链部门的员工、经理和数据分析师中收集数据。研究结果 二手资料来源的研究结果表明,在电子商务行业使用人工智能和自动化技术可以在降低成本和促进经济增长方面提高生产率。初级研究方法通过调查问卷收集实时数据,有助于实现可量化和可衡量的价值,从而得出结论:以人工智能为主导的技术可以提高生产率和竞争优势,因为它在提高生产率和整体经济投入的同时节约了成本。研究采用了描述性统计的中心倾向测量方法,以更简单、更直观的方式呈现研究结果,然后用百分比对数据进行解释。实际意义 管理人员和决策指导委员会成员可以从这些研究结果中汲取重要的经验教训,因为这些可量化的数值可以让他们深入了解应该为人工智能技术分配多少资本投资,以及预测分析和数据分析如何加速他们的服务,使之成为以客户为中心的服务。重要的战略规划和资源管理的实施可以提高生产率和利润率,最终实现更高的经济增长。
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引用次数: 0
Measuring real money demand in Cambodia: an ARDL approach to cointegration 衡量柬埔寨的实际货币需求:ARDL协整方法
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-01
Siphat Lim
The findings obtained through the ARDL approach to cointegration indicate that real income, consumer price index, and interest rate are cointegrated with real money demand. In terms of the estimated results derived from the long-run model, it is observed that real income has a statistically significant positive impact on real money demand, while the general price level and interest rate have a negative impact. The short-run dynamic model, known as the error correction model, demonstrates that all explanatory variables collectively account for the growth rate of real money balances. In the short-run, the growth rate of real income exhibits a positive relationship with the demand for real money, whereas the inflation rate and changes in interest rate have a significant negative effect on the demand for real money balances. The estimated slope coefficient of the short-run dynamic model, which measures the speed of adjustment, is projected to be 60.67%. This outcome suggests that the real money balance model takes no more than two quarters to adjust towards long-run equilibrium in response to short-run dynamic shocks. Stability tests, such as the CUSUM and CUSUMSQ tests, indicate that the real money demand function in Cambodia remains stable in the long-term. The findings derived from this study provide empirical evidence in favor of the quantity theory of money.
通过 ARDL 协整方法得出的结果表明,实际收入、消费价格指数和利率与实际货币需求是协整的。从长期模型得出的估计结果来看,实际收入对实际货币需求有显著的正向影响,而一般价格水平和利率则有负向影响。被称为误差修正模型的短期动态模型表明,所有解释变量共同影响着实际货币余额的增长率。在短期内,实际收入增长率与实际货币需求量呈正相关关系,而通货膨胀率和利率变化对实际货币余额需求量有显著的负面影响。衡量调整速度的短期动态模型的估计斜率系数预计为 60.67%。这一结果表明,在短期动态冲击下,实际货币余额模型向长期均衡调整的时间不超过两个季度。稳定性测试(如 CUSUM 和 CUSUMSQ 测试)表明,柬埔寨的实际货币需求函数保持长期稳定。本研究的结论提供了支持货币数量理论的经验证据。
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引用次数: 0
Satisfaction of academics with leadership, creativity, innovation and organisational performance at a university 5.0 work environment 学者对大学 5.0 工作环境中领导力、创造力、创新力和组织绩效的满意度
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-12
Thobekani Lose and Luthando Jack
Just like in industries, university and other higher educational institutions are facing novel working contexts arising from their present technological transitions. As a result, known factors that influence organisational success require new assessments to establish how they have been affected by the disruptions. The objectives of this study were to: (1) explore the satisfaction of academics with leadership, creativity, innovation and organisational performance at university 5.0 work environments (2) assess the relationship between transformational leadership and organisational performance within the university 5.0 context and (3) assess the relationship between innovation and organisational performance within the university 5.0 context. To attain the stated objectives, 200 academics from a university that is a leader in the adoption of education 5.0 transitions completed a questionnaire and the data was analysed. The study found that the academics were satisfied with the leadership, creativity, innovation and organisational performance associated with the university 5.0 contexts. It appears that the adoption of university 5.0 practices was favourable for creativity, innovation and performance. Future studies may have to follow comparative designs that factor in the relevance of sector specific mediators in the realisation of innovativeness, creativity and productivity of university 5.0.
与各行各业一样,大学和其他高等教育机构也面临着当前技术转型所带来的新的工作环境。因此,需要对影响组织成功的已知因素进行新的评估,以确定这些因素如何受到干扰的影响。本研究的目标是(1)探索学者对大学 5.0 工作环境中领导力、创造力、创新力和组织绩效的满意度;(2)评估大学 5.0 环境中变革型领导力与组织绩效之间的关系;(3)评估大学 5.0 环境中创新力与组织绩效之间的关系。为了实现既定目标,来自一所率先采用教育 5.0 过渡的大学的 200 名学者填写了调查问卷,并对数据进行了分析。研究发现,学者们对大学 5.0 环境下的领导力、创造力、创新力和组织绩效表示满意。由此看来,采用大学 5.0 实践有利于创造力、创新和绩效。未来的研究可能需要采用比较设计,在实现大学 5.0 的创新性、创造性和生产力的过程中考虑到特定部门的中介因素。
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引用次数: 0
Servant leadership and employee innovative behaviour: Unpacking the role of support for innovation and creative self-efficacy in knowledge intensive service context 仆人式领导与员工创新行为:解读知识密集型服务环境中创新支持和创新自我效能的作用
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-02
Tahira Nazir, Amjad Iqbal
Employee innovative behaviour is widely emphasized as a critical driver of organizational innovation. Drawing on social information processing theory, this research proposes that by exhibiting servant leadership style, organizational managers can stimulate employee innovative behaviour directly and through the mechanism of support for innovation. This study also anticipates that the role of of employees’ creative self-efficacy in strengthening the influence of support for innovation on innovative behaviour. To test the proposed relationships, data is collected from 338 IT professionals working in twelve large-sized IT-based service organizations of Pakistan. The results surfaced from PLS-SEM analysis indicate strong support for direct and positive linkage between servant leadership and innovative behaviour and significant role of support for innovation in mediating this relationship. However, the accentuating role of creative self-effecacy is not supported. This study extends existing knowledge concerning the nexus between servant leadership and innovation by examining the mechanism of support for innivation by which servant leadership can augment employee innovative behaviour. Findings of this research entails vital implications for service organizations striving for superior innovation performance. Furthermore, some contradictory findings of this research call for further empirical investigation for more finegrained managerial implications.
员工的创新行为被广泛强调为组织创新的关键驱动力。本研究借鉴社会信息处理理论,提出组织管理者通过展现仆人式领导风格,可以直接或通过创新支持机制激发员工的创新行为。本研究还预计,员工的创新自我效能感会加强创新支持对创新行为的影响。为了验证所提出的关系,本研究收集了巴基斯坦 12 家大型 IT 服务机构中 338 名 IT 专业人员的数据。PLS-SEM 分析的结果表明,仆人式领导与创新行为之间的直接正向联系得到了强有力的支持,而创新支持在这种关系中起到了重要的中介作用。然而,创造性自我效能的突出作用没有得到支持。本研究通过考察仆人式领导能够增强员工创新行为的创新支持机制,扩展了有关仆人式领导与创新之间关系的现有知识。本研究的结果对努力实现卓越创新绩效的服务型组织具有重要意义。此外,本研究中一些相互矛盾的结论也需要进一步的实证调查,以获得更精细的管理启示。
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引用次数: 0
Managerial approaches to blockchain technology adoption in the rail freight sector: An emerging market perspective 铁路货运部门采用区块链技术的管理方法:新兴市场视角
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-07
Khampepe Khitsane, S. Nabee, H. Makan
Modern supply chains demand adaptability driven by the globalization of production and markets, the fourth industrial revolution (4IR) and recent events such as the unexpected closure of the Suez Canal, the Russia-Ukraine war, and the Covid-19 pandemic. Investing in digital supply chain technologies boosts end-to-end visibility, mitigates risk, and improves the resilience of supply chains. Many disruptive technologies are currently changing the business landscape in Africa. However, Africa has traditionally been an adopter rather than a pioneer of technologies for business development. Although there has been an increase in the use of blockchain technology in various industries, there is still a challenge of understanding how the technology can be applied in the South African rail supply chain context. Thus, it is crucial to investigate how managers perceive the technology and how this understanding affects the decision to use the technology in the rail freight Container Corridor. A gap exists between the understanding, organizational support and benefits of the technology and its application within the corridor. A case study approach was utilized to collect primary data obtained through a structured self-administered survey questionnaire. The main findings of the study were that the understanding of blockchain influenced managers perceptions and willingness to adopt the technology. While the railway operator was committed to implementing blockchain, other operational constraints and inefficiencies still present on the corridor were impediments to further investigation. Furthermore, potential benefits and challenges, costs and resources required as well as the impact on current operations and workings were highlighted by management as important decision-making factors. The study provides valuable insights into disruptive technologies applications within the transport supply chains. It substantiates the significance of how managers view blockchain as a technology to address various challenges as well as enhance operations within the South African freight rail sector.
在生产和市场全球化、第四次工业革命(4IR)以及苏伊士运河意外关闭、俄乌战争和 Covid-19 大流行病等近期事件的推动下,现代供应链需要具备适应能力。投资数字供应链技术可以提高端到端的可视性、降低风险并提高供应链的复原力。目前,许多颠覆性技术正在改变非洲的商业格局。然而,非洲在商业发展方面历来是技术的采用者,而不是先驱者。虽然区块链技术在各行各业的应用越来越多,但在了解如何将该技术应用于南非铁路供应链方面仍存在挑战。因此,研究管理人员如何看待该技术以及这种理解如何影响在铁路货运集装箱走廊中使用该技术的决策至关重要。在对该技术的理解、组织支持和优势以及在走廊内的应用之间存在差距。研究采用案例研究法,通过结构化自填调查问卷收集原始数据。研究的主要发现是,对区块链的理解影响了管理人员对采用该技术的看法和意愿。虽然铁路运营商致力于实施区块链,但走廊上仍然存在的其他运营限制和低效率阻碍了进一步的调查。此外,管理层还强调,潜在的效益和挑战、成本和所需资源以及对当前运营和工作的影响都是重要的决策因素。这项研究为颠覆性技术在运输供应链中的应用提供了宝贵的见解。它证实了管理人员如何将区块链视为一种技术,以应对各种挑战并加强南非货运铁路部门运营的重要性。
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引用次数: 0
Assessing the financial literacy strategy of small businesses utilizing information technology within Umhlathuze Municipality 评估 Umhlathuze 市利用信息技术的小型企业金融扫盲战略
Pub Date : 2024-05-18 DOI: 10.24052/bmr/v15nu01/art-03
A. Ayandibu, Elizabeth Oluwakemi Ayandibu
This study examines the financial literacy strategies employed by small businesses operating within the Umhlathuze Municipality in South Africa with a particular focus on their utilization of Information Technology (IT). Small firms are of great importance in promoting economic development within a dynamic business environment. Their capacity to efficiently handle financial resources is crucial for their long-term viability and achievement. Quantitative data was collected from a sample of 385 small business participants, representing a diverse range of industries and sectors within Umhlathuze Municipality. Also, qualitative data was collected from 13 IT and Finance specialists. The objective of this research endeavour was to evaluate the degree to which financial literacy programmes for small businesses integrate information technology. The findings of this study reveal key insights into the financial literacy practices of small businesses within Umhlathuze Municipality. As indicated by the research findings, the function of information technology in promoting financial literacy is growing in significance. Hence, numerous organisations have embraced diverse IT tools, including accounting software, online banking, and financial management applications, to augment their financial literacy efforts. Furthermore, the study's findings highlight how the use of IT improved these institutions' financial management practises, resulting in greater decision-making capacities and a more solid financial position. Notwithstanding these circumstances, there were nevertheless discernible obstacles pertaining to the adoption of information technology and financial literacy, including restricted availability of technology in some regions, deficiencies in expertise among employers and workers, and apprehensions about the security of data. These challenges underscore the need for tailored support and training programs to empower small businesses in leveraging IT for financial literacy effectively. This research sheds light on the evolving landscape of financial literacy strategies among small businesses in Umhlathuze Municipality, emphasizing the role of Information Technology. This study provides valuable insights to policymakers, business support organizations, and stakeholders interested in enhancing small business financial literacy and resilience. Ultimately, fostering greater IT integration and promoting financial literacy can contribute to the long-term success and sustainability of small businesses, ultimately driving economic growth in Umhlathuze Municipality.
本研究探讨了在南非 Umhlathuze 市经营的小型企业所采用的金融知识战略,尤其关注它们对信息技术(IT)的利用。在充满活力的商业环境中,小型企业对促进经济发展具有重要意义。它们有效处理财务资源的能力对其长期生存能力和成就至关重要。我们从 385 个小企业参与者样本中收集了定量数据,这些参与者代表了 Umhlathuze 市的不同行业和部门。此外,还从 13 名信息技术和金融专家那里收集了定性数据。这项研究工作的目的是评估针对小企业的金融知识普及计划在多大程度上整合了信息技术。研究结果揭示了 Umhlathuze 市小型企业在金融知识普及方面的主要做法。研究结果表明,信息技术在促进金融知识普及方面的作用越来越重要。因此,许多组织都采用了各种信息技术工具,包括会计软件、网上银行和财务管理应用程序,以加强其金融知识普及工作。此外,研究结果还强调了信息技术的使用如何改善了这些机构的财务管理实践,从而提高了决策能力,使财务状况更加稳健。尽管如此,在采用信息技术和普及金融知识方面仍存在明显的障碍,包括一些地区的技术供应受到限制、雇主和工作人员的专业知识不足以及对数据安全的担忧。这些挑战突出表明,有必要制定有针对性的支持和培训计划,以增强小企业有效利用信息技术进行金融知识普及的能力。本研究揭示了 Umhlathuze 市小企业金融知识普及战略的演变情况,强调了信息技术的作用。这项研究为有志于提高小企业金融知识水平和应变能力的政策制定者、企业支持机构和利益相关者提供了宝贵的见解。归根结底,促进信息技术的进一步整合和金融知识的普及有助于小企业的长期成功和可持续发展,最终推动 Umhlathuze 市的经济增长。
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The Business and Management Review
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