Pub Date : 2023-04-01DOI: 10.31559/gjeb2023.13.2.1
مصطفى محمد جمعة أبو عمارة, أحمد بن عبد الكريم الحركان
تناول البحث الإطار النظري للمحاسبة السحابية من حيث تعريفها ومزاياها وعيوبها، كما تناول الجزء التطبيقي تحليل 124 استبانة إلكترونية وزعت على عينة من الشركات السعودية في مختلف القطاعات باستخدام أسلوب التحليل الإحصائي SPSS. ومن خلال البحث تم الوصول إلى النتائج التالية: تطبق الشركات السعودية المحاسبة السحابية بشكل عام، ومن مزايا تطبيق المحاسبة السحابية: سرعة وإصدار أوامر الشراء والفواتير في أي وقت، والحصول على قوائم مالية محدثة في أي وقت. بينما تتمثل سلبيات المحاسبة السحابية أنها تتأثر بسرعة الإنترنت والضغط على الشبكة، كما توجد ثغرات في نظام الأمن السيبراني لدى مزودي خدمة المحاسبة السحابية، وارتفاع تكلفة المحاسبة السحابية على المنافع المتوقعة منها. ونتج عن البحث مجموعة توصيات من ضمنها: ضرورة قيام شركات المراجعة ومزودي الخدمة بعمل دورات تدريبية وورش عمل تبين مزايا وفوائد تطبيق المحاسبة السحابية لمنشآت الأعمال، وعمل معيار محاسبي يبين ما هي المحاسبة السحابية وآلية عملها والشروط المطلوبة لتطبيقها لدى منشآت الأعمال ولدى مزودي الخدمة، والتوصية للشركات التي ترغب بتطبيق المحاسبة السحابية بحل المشاكل التقنية مثل سرعة الإنترنت، والأمن السيبراني وتشفير قواعد البيانات حتى تستفيد من مزايا التحول الرقمي للمحاسبة السحابية.
{"title":"المحاسبة السحابية في الشركات السعودية في القرن الواحد والعشرين","authors":"مصطفى محمد جمعة أبو عمارة, أحمد بن عبد الكريم الحركان","doi":"10.31559/gjeb2023.13.2.1","DOIUrl":"https://doi.org/10.31559/gjeb2023.13.2.1","url":null,"abstract":"تناول البحث الإطار النظري للمحاسبة السحابية من حيث تعريفها ومزاياها وعيوبها، كما تناول الجزء التطبيقي تحليل 124 استبانة إلكترونية وزعت على عينة من الشركات السعودية في مختلف القطاعات باستخدام أسلوب التحليل الإحصائي SPSS. ومن خلال البحث تم الوصول إلى النتائج التالية: تطبق الشركات السعودية المحاسبة السحابية بشكل عام، ومن مزايا تطبيق المحاسبة السحابية: سرعة وإصدار أوامر الشراء والفواتير في أي وقت، والحصول على قوائم مالية محدثة في أي وقت. بينما تتمثل سلبيات المحاسبة السحابية أنها تتأثر بسرعة الإنترنت والضغط على الشبكة، كما توجد ثغرات في نظام الأمن السيبراني لدى مزودي خدمة المحاسبة السحابية، وارتفاع تكلفة المحاسبة السحابية على المنافع المتوقعة منها. ونتج عن البحث مجموعة توصيات من ضمنها: ضرورة قيام شركات المراجعة ومزودي الخدمة بعمل دورات تدريبية وورش عمل تبين مزايا وفوائد تطبيق المحاسبة السحابية لمنشآت الأعمال، وعمل معيار محاسبي يبين ما هي المحاسبة السحابية وآلية عملها والشروط المطلوبة لتطبيقها لدى منشآت الأعمال ولدى مزودي الخدمة، والتوصية للشركات التي ترغب بتطبيق المحاسبة السحابية بحل المشاكل التقنية مثل سرعة الإنترنت، والأمن السيبراني وتشفير قواعد البيانات حتى تستفيد من مزايا التحول الرقمي للمحاسبة السحابية.","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47846285","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}
The study examined the influence of teamwork on employee productivity in selected telecommunication firms in Delta State. The specific objectives of the study are to; determine the effect of team trust on employee productivity in selected firms in Delta State; ascertain the effect of reward and recognition on employee productivity in selected firms in Delta State and examine the effect of competent leadership on employee productivity in selected firms in Delta State. The study adopted a cross-sectional research design method. A sample size of 62 was chosen out of the 273 population of the study. The simple random sampling technique was adopted for the study. The instrument that was used for data collection is a single set of structured questionnaires. In this study, statistical techniques of data analysis were used. The list includes descriptive statistics, correlation, and regression analysis. All analysis was done using the statistical package for social science (SPSS) software version 25. Findings showed that team trust (ß = 0.181, P<0.05), reward and recognition (ß = 0.602, P<0.05), and competent leadership (ß = 0.128, P<0.05) have a positive effect on employee productivity. Findings showed that 40% of the change in employee productivity was brought about by the dimensions of teamwork. The study concluded that teamwork has a significant positive effect on Employee productivity in telecommunication firms. The study recommended amongst others that Managers must plan and design an appropriate reward system for the employee and encourage their participation in team arrangements for effective performance to be achieved and also create a conducive and trustable environment for synergetic teamwork. The study demonstrated that trust is a very crucial aspect of the team values and way of life which brings about togetherness in achieving specific goals of an organization.
{"title":"Valuing employee productivity through the participative teamwork approach of telecommunication firms","authors":"O. Odita, A. Kifordu, O. F. Eromafuru","doi":"10.58934/jgeb.v4i13.168","DOIUrl":"https://doi.org/10.58934/jgeb.v4i13.168","url":null,"abstract":"The study examined the influence of teamwork on employee productivity in selected telecommunication firms in Delta State. The specific objectives of the study are to; determine the effect of team trust on employee productivity in selected firms in Delta State; ascertain the effect of reward and recognition on employee productivity in selected firms in Delta State and examine the effect of competent leadership on employee productivity in selected firms in Delta State. The study adopted a cross-sectional research design method. A sample size of 62 was chosen out of the 273 population of the study. The simple random sampling technique was adopted for the study. The instrument that was used for data collection is a single set of structured questionnaires. In this study, statistical techniques of data analysis were used. The list includes descriptive statistics, correlation, and regression analysis. All analysis was done using the statistical package for social science (SPSS) software version 25. Findings showed that team trust (ß = 0.181, P<0.05), reward and recognition (ß = 0.602, P<0.05), and competent leadership (ß = 0.128, P<0.05) have a positive effect on employee productivity. Findings showed that 40% of the change in employee productivity was brought about by the dimensions of teamwork. The study concluded that teamwork has a significant positive effect on Employee productivity in telecommunication firms. The study recommended amongst others that Managers must plan and design an appropriate reward system for the employee and encourage their participation in team arrangements for effective performance to be achieved and also create a conducive and trustable environment for synergetic teamwork. The study demonstrated that trust is a very crucial aspect of the team values and way of life which brings about togetherness in achieving specific goals of an organization.","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":"21 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78181787","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 : 2023-04-01DOI: 10.31559/gjeb2023.13.2.3
أنس خليل مهدي, الفاضل تيمان إدريس, مالك النعيم محمد علي
هدفـت هذه الدراسة للتـعرف على أثر التشّارك المعرفي على الميزة التنافسية في دائرة صحة صلاح الدين- العراق من وفق نضرة القيـادات الإداريـة فيها، وللوصول إلى أهداف الدراسة وتحقيقها تم استخدام المنهج الوصفي التحليلي من خلال تطوير استبأنة وتوزيعها على عينة الدراسة من البالغة (358) موظفًا من العاملين في القيادات الإدارية في دائرة صحة صلاح الدين- العراق، وبعد أن تم استخدام برنـامج (SPSS) في تحليل بيـأنات الدراسـة من خلال استخراج المتوسطات الحسابية والانحرافات المعيارية للبيأنات، وتطبيق معادلة الانحدار المتعدد أظهرت الدراسة مجموعة من النتائج من أبرزها: أن هناك أثــر ذو دلالة إحصائية عند مستوى الدلالة (.α≤0.05) للتشارك المعرفي على الميزة التنافسية في دائرة صــحة صلاح الدين- العراق من وفق نظر القيادات الإدارية، وقد خرجت الدراسة بعدة من التوصيات المهمة أبرزها: ضرورة أن تهتم دائرة صحة صلاح الدين- العراق بحث الموظفين على عدم إخفاء المعرفة وعدم الاحتفاظ بالمعرفة الضــمنية وذلك عبر قيام موظف بجمع المـعلومات وتخزينها والاهتمام بمدى قدرة زملائهم على استخدامها.
{"title":"أثر التشارك المعرفي على الميزة التنافسية في دائرة صحة صلاح الدين- العراق وفق منظور القيادات الإدارية","authors":"أنس خليل مهدي, الفاضل تيمان إدريس, مالك النعيم محمد علي","doi":"10.31559/gjeb2023.13.2.3","DOIUrl":"https://doi.org/10.31559/gjeb2023.13.2.3","url":null,"abstract":"هدفـت هذه الدراسة للتـعرف على أثر التشّارك المعرفي على الميزة التنافسية في دائرة صحة صلاح الدين- العراق من وفق نضرة القيـادات الإداريـة فيها، وللوصول إلى أهداف الدراسة وتحقيقها تم استخدام المنهج الوصفي التحليلي من خلال تطوير استبأنة وتوزيعها على عينة الدراسة من البالغة (358) موظفًا من العاملين في القيادات الإدارية في دائرة صحة صلاح الدين- العراق، وبعد أن تم استخدام برنـامج (SPSS) في تحليل بيـأنات الدراسـة من خلال استخراج المتوسطات الحسابية والانحرافات المعيارية للبيأنات، وتطبيق معادلة الانحدار المتعدد أظهرت الدراسة مجموعة من النتائج من أبرزها: أن هناك أثــر ذو دلالة إحصائية عند مستوى الدلالة (.α≤0.05) للتشارك المعرفي على الميزة التنافسية في دائرة صــحة صلاح الدين- العراق من وفق نظر القيادات الإدارية، وقد خرجت الدراسة بعدة من التوصيات المهمة أبرزها: ضرورة أن تهتم دائرة صحة صلاح الدين- العراق بحث الموظفين على عدم إخفاء المعرفة وعدم الاحتفاظ بالمعرفة الضــمنية وذلك عبر قيام موظف بجمع المـعلومات وتخزينها والاهتمام بمدى قدرة زملائهم على استخدامها.","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42873638","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 : 2023-04-01DOI: 10.31559/gjeb2023.13.2.2
محمد البشير البدوي علي, عثمان عبدالله محمد الهادي
تهدف الدراسة إلى التعرف على أثر نظم المعلومات الإدارية في جودة القرارات الإدارية في البنوك التجارية بمحليتي عطبرة والدامر، نجد أن العديد من المؤسسات سواء كانت تجارية أو خدمية لا تمتلك الإمكانات التي تدعمها لجمع البيانات ومعالجتها بالصورة المثلى لإنتاج معلومات تساعدها في إعداد تقارير إدارية تكون سند ودعم للمدراء عند صنع القرارات. ولتحقيق أهداف الدراسة قام الباحثان بتصميم استبانة تم توزيعها على الموظفين بأربعة بنوك تجارية بمحليتي عطبرة والدامر تم اختيارها عشوائيًا. ومن خلال جمع البيانات وتحليلها توصلت الدراسة إلى النتائج الآتية: تستخدم البنوك التجارية نظم المعلومات المبنية على الحاسب الآلي في توصيل المعلومات إلى المديرين في مختلف المستويات الإدارية. ولدى البنوك نظام معلومات حاسوبي تنقل من خلاله المعلومات الداخلية والخارجية بسهولة وسرعة للمديرين لمساعدتهم في اتخاذ القرارات وتستخدم البنوك نظام معلومات بسيط وسهل ومرن. توفر نظم المعلومات التشغيلية معلومات أكثر تفصيلًا ودقيقة وموثوق بها للمستويات التنفيذية، كما توصلت الدراسة إلى أن المعلومات التي توفرها نظم المعلومات التشغيلية موجهة بالتقارير ومستمرة. وقدمت الدراسة مجموعة من التوصيات أهمها عقد دورات تدريبية لحملة المؤهل دون الجامعي للتعريف بمفهوم نظم المعلومات واستخداماتها.
{"title":"أثر نظم المعلومات الإدارية على جودة القرارات الإدارية بالبنوك التجارية بمحليتي عطبرة والدامر","authors":"محمد البشير البدوي علي, عثمان عبدالله محمد الهادي","doi":"10.31559/gjeb2023.13.2.2","DOIUrl":"https://doi.org/10.31559/gjeb2023.13.2.2","url":null,"abstract":"تهدف الدراسة إلى التعرف على أثر نظم المعلومات الإدارية في جودة القرارات الإدارية في البنوك التجارية بمحليتي عطبرة والدامر، نجد أن العديد من المؤسسات سواء كانت تجارية أو خدمية لا تمتلك الإمكانات التي تدعمها لجمع البيانات ومعالجتها بالصورة المثلى لإنتاج معلومات تساعدها في إعداد تقارير إدارية تكون سند ودعم للمدراء عند صنع القرارات. ولتحقيق أهداف الدراسة قام الباحثان بتصميم استبانة تم توزيعها على الموظفين بأربعة بنوك تجارية بمحليتي عطبرة والدامر تم اختيارها عشوائيًا. ومن خلال جمع البيانات وتحليلها توصلت الدراسة إلى النتائج الآتية: تستخدم البنوك التجارية نظم المعلومات المبنية على الحاسب الآلي في توصيل المعلومات إلى المديرين في مختلف المستويات الإدارية. ولدى البنوك نظام معلومات حاسوبي تنقل من خلاله المعلومات الداخلية والخارجية بسهولة وسرعة للمديرين لمساعدتهم في اتخاذ القرارات وتستخدم البنوك نظام معلومات بسيط وسهل ومرن. توفر نظم المعلومات التشغيلية معلومات أكثر تفصيلًا ودقيقة وموثوق بها للمستويات التنفيذية، كما توصلت الدراسة إلى أن المعلومات التي توفرها نظم المعلومات التشغيلية موجهة بالتقارير ومستمرة. وقدمت الدراسة مجموعة من التوصيات أهمها عقد دورات تدريبية لحملة المؤهل دون الجامعي للتعريف بمفهوم نظم المعلومات واستخداماتها.","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47652882","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 : 2023-04-01DOI: 10.31559/gjeb2023.13.2.4
Tariq Hassan Alshehri
This study aims to discuss the concept of both Islamic and commercial banks, in order to illustrate the similarities and differences between Islamic and commercial banking systems. Additionally, this research evaluates the profitability of the Islamic and commercial banks in the GCC region and examines the impact of the subprime global financial crisis on both banking sectors during the period 2005-2013. The analysis of the financial information revealed significant findings in the profitability levels of the Islamic and commercial banks. The findings indicate that the Islamic banking system is more efficient in using its assets to generate profit; while commercial banks are more efficient than Islamic banks in terms of controlling their operating costs, conventional banks suffered significant losses in the financial market instruments, which led to reduce the profitability levels.
{"title":"Evaluating the Efficiency and Profitability of Islamic and Conventional Banks: Case Study of the GCC Region","authors":"Tariq Hassan Alshehri","doi":"10.31559/gjeb2023.13.2.4","DOIUrl":"https://doi.org/10.31559/gjeb2023.13.2.4","url":null,"abstract":"This study aims to discuss the concept of both Islamic and commercial banks, in order to illustrate the similarities and differences between Islamic and commercial banking systems. Additionally, this research evaluates the profitability of the Islamic and commercial banks in the GCC region and examines the impact of the subprime global financial crisis on both banking sectors during the period 2005-2013. The analysis of the financial information revealed significant findings in the profitability levels of the Islamic and commercial banks. The findings indicate that the Islamic banking system is more efficient in using its assets to generate profit; while commercial banks are more efficient than Islamic banks in terms of controlling their operating costs, conventional banks suffered significant losses in the financial market instruments, which led to reduce the profitability levels.","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44558895","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}
I. Ahmed, M. A. Hamza, F. Usman, Hauwa Garba Ahmad
This study was carried out to assess the effectiveness of the implementation of Integrated Personnel Payroll and Information System (IPPIS) in Gombe State. It aimed at examining the effectiveness of the implementation IPPIS in ensuring safety and integrity of civil servants’ personal information, reducing payroll fraud and helping government in planning and budgeting. A survey research design was used in conducting the study. The population of the study is made up of all the 40 Ministries, Departments and Agencies (MDAs) in the State. However, five (5) MDAs were selected base on judgemental sampling and their peculiarity to the objective of the study. Primary source of data collection was employed to obtain information. A total of 65 copies of questionnaire were administered for the purpose of this study. However, 60 copies were correctly completed and returned. Inferential statistics of chi-square (X2) was used in testing the stated hypothesis of the study. Data obtained were analysed using inferential statistics and it was found that the implementation of IPPIS helps in reducing payroll fraud and corruption, ensuring safety and integrity of civil servant and helps government in planning and budgeting thereby bringing efficiency and transparency in management of personnel costs of Gombe State government . Based on the findings, the study concludes that the implementation Integrated Personnel and Payroll Information System (IPPIS) ensured civil servants personal information safety and integrity. It reduced payroll fraud and also helps the government in planning and budgeting. The study recommends that Gombe State government should ensure stringent controls and frequent checks that can reduce the risk of payroll fraud, regular audit of payroll and intermittent staff verification exercises at least once a year.
{"title":"An evaluation of Integrated Personnel Payroll and Information System (IPPIS) effectiveness and implementation in Gombe State","authors":"I. Ahmed, M. A. Hamza, F. Usman, Hauwa Garba Ahmad","doi":"10.58934/jgeb.v4i13.138","DOIUrl":"https://doi.org/10.58934/jgeb.v4i13.138","url":null,"abstract":"This study was carried out to assess the effectiveness of the implementation of Integrated Personnel Payroll and Information System (IPPIS) in Gombe State. It aimed at examining the effectiveness of the implementation IPPIS in ensuring safety and integrity of civil servants’ personal information, reducing payroll fraud and helping government in planning and budgeting. A survey research design was used in conducting the study. The population of the study is made up of all the 40 Ministries, Departments and Agencies (MDAs) in the State. However, five (5) MDAs were selected base on judgemental sampling and their peculiarity to the objective of the study. Primary source of data collection was employed to obtain information. A total of 65 copies of questionnaire were administered for the purpose of this study. However, 60 copies were correctly completed and returned. Inferential statistics of chi-square (X2) was used in testing the stated hypothesis of the study. Data obtained were analysed using inferential statistics and it was found that the implementation of IPPIS helps in reducing payroll fraud and corruption, ensuring safety and integrity of civil servant and helps government in planning and budgeting thereby bringing efficiency and transparency in management of personnel costs of Gombe State government . Based on the findings, the study concludes that the implementation Integrated Personnel and Payroll Information System (IPPIS) ensured civil servants personal information safety and integrity. It reduced payroll fraud and also helps the government in planning and budgeting. The study recommends that Gombe State government should ensure stringent controls and frequent checks that can reduce the risk of payroll fraud, regular audit of payroll and intermittent staff verification exercises at least once a year.","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":"10 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83669140","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}
Inspired by the desire to take a unique trajectory with the greater goal of new knowledge addition, this study examined the moderating effect of digitalization on the triangular relationship between digitalization, banks’ credit to private sector and economic growth in Nigeria for 2009 – 2021. The highly debatable direction of the relationship between credit to the private sector and economic growth in Nigeria has remained unresolved; by throwing digitalization in the mix, this study seeks to ascertain if there is a substantial shift in the direction of the subsisting argument with refence to Nigeria. The Autoregressive Distributed Lag (ARDL) approach was applied due to the mixed order of integration results obtained from the Unit Roots Test, which accounted for some structural breaks. For this study, the long-run results carry more prominence than the short-run since there is inherent room for adjustments. The empirical results show that private sector credit has a positive and significant impact on economic growth in Nigeria in the short run. However, in the long run, credit to private sector has a positive and insignificant impact on economic growth in Nigeria. The results also revealed that ddigitalization does not moderate the effect of banks' credit to the private sector on economic growth in Nigeria for the period reviewed. Because of the strategic role of financial intermediation played by deposit money banks, the paper supports the ongoing efforts of the Central Bank of Nigeria (CBN) in deepening the integration of digitalization into the financial services sector.
{"title":"Banks' credit to the private sector and economic growth in Nigeria: The moderating role of digitalization","authors":"Ebele Amali, N. Alymkulova, S. Ejila","doi":"10.58934/jgeb.v4i13.139","DOIUrl":"https://doi.org/10.58934/jgeb.v4i13.139","url":null,"abstract":"Inspired by the desire to take a unique trajectory with the greater goal of new knowledge addition, this study examined the moderating effect of digitalization on the triangular relationship between digitalization, banks’ credit to private sector and economic growth in Nigeria for 2009 – 2021. The highly debatable direction of the relationship between credit to the private sector and economic growth in Nigeria has remained unresolved; by throwing digitalization in the mix, this study seeks to ascertain if there is a substantial shift in the direction of the subsisting argument with refence to Nigeria. The Autoregressive Distributed Lag (ARDL) approach was applied due to the mixed order of integration results obtained from the Unit Roots Test, which accounted for some structural breaks. For this study, the long-run results carry more prominence than the short-run since there is inherent room for adjustments. The empirical results show that private sector credit has a positive and significant impact on economic growth in Nigeria in the short run. However, in the long run, credit to private sector has a positive and insignificant impact on economic growth in Nigeria. The results also revealed that ddigitalization does not moderate the effect of banks' credit to the private sector on economic growth in Nigeria for the period reviewed. Because of the strategic role of financial intermediation played by deposit money banks, the paper supports the ongoing efforts of the Central Bank of Nigeria (CBN) in deepening the integration of digitalization into the financial services sector.","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":"418 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79623812","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}
Henson Alfa, M. Aliyu, A. A. Maiyaki, Talatu Muhammad Barwa
The purpose of this research is to examine the moderating effect of financial literacy and loan repayment behavior of small and medium enterprises (SMEs) in Kano State Nigeria. Previous studies suggested that many SME owners lack the financial literacy skills needed to run their business effectively and make accurate financial decisions and yet financial literacy skills help individuals to navigate the financial world and make informed decisions about their money and minimized the chances of being misled on the matters. Borrowers and business characteristics were used as indicators of loan repayment behavior. Financial literacy which is the independent variable for the study was analyzed in terms of book-keeping literacy, budgeting literacy and debt management literacy. Beneficiaries of financial literacy programme of three microfinance banks namely; Bichi MFB, Dawakin-Tofa MFB and Ungogo MFB were used. The population of the study is 900 beneficiaries that participated in financial literacy programmes but the sample size is chosen to be 90using Kothra technique of determining sample size. Convenient sampling technique was used to access the subjects in administering questionnaire. Data was analyzed using Structural Equation Model (SEM). In line with the expectation, the study established that gender has a positive moderating effect with book-keeping literacy while gender has negative moderating effect on budgeting literacy and debt management literacy in Kano State. On the basis of the findings, it can be concluded that financial literacy awareness need to be intensified to enable SME owners key into it to achieve their business objectives. Thus, it recommended that SME owners should consider enrolling in financial literacy programmes and other related programmes in and outside MFBs so as to enjoy the benefits of financial literacy.
{"title":"Moderating effects of gender on financial literacy and loan repayment behaviour of Small and Medium Enterprises (SMEs) in Kano State, Nigeria","authors":"Henson Alfa, M. Aliyu, A. A. Maiyaki, Talatu Muhammad Barwa","doi":"10.58934/jgeb.v4i13.140","DOIUrl":"https://doi.org/10.58934/jgeb.v4i13.140","url":null,"abstract":"The purpose of this research is to examine the moderating effect of financial literacy and loan repayment behavior of small and medium enterprises (SMEs) in Kano State Nigeria. Previous studies suggested that many SME owners lack the financial literacy skills needed to run their business effectively and make accurate financial decisions and yet financial literacy skills help individuals to navigate the financial world and make informed decisions about their money and minimized the chances of being misled on the matters. Borrowers and business characteristics were used as indicators of loan repayment behavior. Financial literacy which is the independent variable for the study was analyzed in terms of book-keeping literacy, budgeting literacy and debt management literacy. Beneficiaries of financial literacy programme of three microfinance banks namely; Bichi MFB, Dawakin-Tofa MFB and Ungogo MFB were used. The population of the study is 900 beneficiaries that participated in financial literacy programmes but the sample size is chosen to be 90using Kothra technique of determining sample size. Convenient sampling technique was used to access the subjects in administering questionnaire. Data was analyzed using Structural Equation Model (SEM). In line with the expectation, the study established that gender has a positive moderating effect with book-keeping literacy while gender has negative moderating effect on budgeting literacy and debt management literacy in Kano State. On the basis of the findings, it can be concluded that financial literacy awareness need to be intensified to enable SME owners key into it to achieve their business objectives. Thus, it recommended that SME owners should consider enrolling in financial literacy programmes and other related programmes in and outside MFBs so as to enjoy the benefits of financial literacy.","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":"80 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80964225","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}
Job autonomy is the respect for employees to choose their own methods of approaching the work demands besides, Innovative culture promotes innovation and innovation creates value for organizations further, job satisfaction is one of the many important concepts that are required to reach high performances by the staff, in this respect, this paper assumes that job autonomy and job satisfaction have positive effects on employee innovative behavior in Kurdistan. To do then we have organized a survey questionnaire and visited various in Sulaymaniyah city in Kurdistan, as a result 191 data has been used and found that true regression analysis that job satisfaction and job autonomy positively related to employees’ innovative behaviors in the region, it is recommended that residential managers should give autonomy to their employees in their responsibilities for the sake of their job satisfaction and performances
{"title":"Importance of job autonomy at the companies in the Kurdistan Region of Iraq","authors":"Shekh Mohammed Dler, Cemil Top","doi":"10.58934/jgeb.v4i13.141","DOIUrl":"https://doi.org/10.58934/jgeb.v4i13.141","url":null,"abstract":"Job autonomy is the respect for employees to choose their own methods of approaching the work demands besides, Innovative culture promotes innovation and innovation creates value for organizations further, job satisfaction is one of the many important concepts that are required to reach high performances by the staff, in this respect, this paper assumes that job autonomy and job satisfaction have positive effects on employee innovative behavior in Kurdistan. To do then we have organized a survey questionnaire and visited various in Sulaymaniyah city in Kurdistan, as a result 191 data has been used and found that true regression analysis that job satisfaction and job autonomy positively related to employees’ innovative behaviors in the region, it is recommended that residential managers should give autonomy to their employees in their responsibilities for the sake of their job satisfaction and performances","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":"15 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"91291771","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}
{"title":"أثر تطبيق تقنيات المحاسبة الجنائية في الكشف عن ممارسات إدارة الأرباح في الشركات المساهمة العامة الأردنية من وجهة نظر المحاسبين القانونيين","authors":"وليد زكريا صيام, منصوري عبد الله منصوري عبد الله","doi":"10.31559/gjeb2019.7.2.5","DOIUrl":"https://doi.org/10.31559/gjeb2019.7.2.5","url":null,"abstract":"","PeriodicalId":32548,"journal":{"name":"Global Journal of Economics and Business","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47584530","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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