Future Business Journal最新文献

The insufficient and inefficient public expenditure on health services by any health system creates physical and financial barriers to using health care services, especially for poor people and uncovered informal sector workers. This leads to the appearance of household direct out-of-pocket (OOP) payments on health services. OOP will push households into poverty if it exceeds their monetary income, as they cut their spending on other essential needs such as food, clothing, or education fees. The main objective of studying public health expenditure is to provide essential health services to all citizens equally without pushing them into poverty due to health payments OOP. This paper examines the average coverage of Reproductive, Maternal, and Child Health (RMNCH) services according to place of residence and wealth quintile from 2005 to 2015. The rationale for choosing RMNCH only as an indication of health coverage is due to data limitations. This paper depends on World Health Organization (WHO) data. The paper evaluates poverty impact by using poverty head counts and poverty gaps before and after OOP through using nationally representative surveys of Egypt for the years 2005, 2009, 2011, 2013, and 2015. Results show a gap in covering RMNCH services among different groups, but the gap is decreasing over time. Results also show that OOP payments pushed on average 30% of Egyptian households into poverty during the period of the study.

The research investigates the determinants of private banks profitability in Egypt. The determinants are bank specific (liquidity, capital adequacy, bank size, asset structure, credit risk, and non-performing loans), industry-specific (industry concentration and banking industry development), and macroeconomics (economic growth and inflation). It is an empirical study applying a quantitative method for data analysis and the type of data is secondary data. The sample size of the research is 15 private banks on the Egyptian and the panel data for the research is 2013–2022. The multiple linear regression analysis using the Eviews 12 application as an analytical tool by applying generalized least squares model. The profitability of private banks, which is the dependent factor, is calculated by two measurements, Return on Assets and Return on Equity with ten determinants of profitability as independent variables. Results indicate that capital adequacy, economic growth bank size, and inflation has a positive significant effect on private banks profitability in Egypt. While NPL, liquidity and credit risk have significant negative effect on private banks profitability in Egypt. Based on the results recommendations are provided for bank management to maximize their profitability.

This study aims to investigate the influence of macroeconomic variables and bank-specific factors on the credit risk of Islamic banking in Pakistan, through the panel data regression tools. The statistical tool which is applied to the research is ordinary least square (OLS) regression model. All the assumption to be fulfilled before using OLS. The secondary data have been taken from four (04) full-fledged Islamic banks in Pakistan, from 2007 to 2021. The focus of the research is to find the impact of macroeconomic variables like Gross domestic product, inflation, and growth in the interest rate and bank-specific factors like size, return on assets, loan loss provision, capital Adequacy ratio, and Asset quality to determine the credit risk (non-performing loans) of Islamic banks in Pakistan. The result of the ordinary least square (OLS) regression model is that loan loss provisions (LLP) have a positive and significant impact on credit risk (CR) and size of bank (S), and Capital adequacy ratio (CAR) have a negative and significant impact on credit risk (CR) of Islamic Bank of Pakistan. Inflation (INF) and Gross domestic product (GDP) have a positive and insignificant impact on credit risk (CR), and growth in interest rate (INT), return on assets (ROA), and asset quality (AQ) has a negative and insignificant impact on Credit risk (CR) of Islamic Bank of Pakistan. Therefore, Islamic banks should carefully examine their specific factors, i.e. LLP, S, and CAR to manage their credit risk, particularly in monitoring loans.

Green purchase behavior in Pakistan faces challenges due to lack of awareness, limited availability, and greenwashing by companies that demand use of online environmental platforms. The study aims to examine the effect of Online Environmental Platforms Service on green purchase behaviors of customers who intend to buy green energy products. Moreover, the indirect effects of environmental attitude, price sensitivity and impulsiveness are examined as mediators. The relationships are examined in light of theory of planned behavior. The data from a sample of 301 customers were gathered using a closed-ended questionnaire. The customers aged between 30 and 50 years were considered for the study. The findings unequivocally reveal that the provision of online environmental platforms has a profound effect on the ecological shopping inclinations of customers. The green purchase behavior of consumers is amplified, as is their green purchase attitude and consumer impulsiveness. However, an alert emerges—price sensitivity, despite its noteworthy impact on consumer behavior, curiously, impedes actual green purchasing. Investigating deeper, it becomes apparent that the remarkable impact of online environmental platforms is mediated by two factors: the green consumer attitude and consumer impulsiveness. These two factors act as conduits for the transmission of the influence of the online platforms, empowering consumers to make eco-conscious decisions. The marketers can enhance green purchase behaviors among customers by making effective use of the online environmental platform services. The Online Environmental Platforms Services can enhance sales and can be an effective strategy for high profits.

This study aims to evaluate the impact of utilization of self-service cash deposit machines (SSCDMs) on the financial performance of Tanzanian commercial banks, focusing on key parameters like capital adequacy, asset quality, management quality, earning ability, and liquidity. The research, conducted over six years (2017–2022), utilizes a CAMEL analysis and combines secondary data review with primary data collected through interviews. Four commercial banks' audited financial statements serve as the primary data source. The findings indicate a mixed impact of SSCDM utilization on bank performance, with some banks experiencing positive effects on capital adequacy and liquidity ratios, while others show performance fluctuations. Overall, SSCDMs are found to enhance operational efficiency and convenience, attracting more customers and increasing deposit volumes. However, potential liquidity management challenges are noted. This study contributes valuable insights to the evolving Tanzanian banking sector, aiding policymakers and bank management in informed decision-making regarding self-service banking technologies.

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There is a need for an extensive understanding of the emerging themes and trends within the domain of green finance, which is still evolving. By conducting a systematic literature review on green finance, the purpose of this study is to identify the emerging themes that have garnered significant attention over the past 12 years. In order to identify the emerging themes in green finance, bibliometric analysis was performed on 978 publications that were published between 2011 and 2023 and were taken from the databases of Scopus and Web of Science. The author examined annual scientific production, journal distribution, countries scientific production, most relevant authors, most frequent words, areas where empirical research is lacking, words' frequency over time, trend topics, and themes of green finance. The outcome of the review identified the following seven themes: (i) green finance and environmental sustainability; (ii) green finance and investments; (iii) green finance and innovation; (iv) green finance policy/green credit guidelines; (v) green finance and economy; (vi) green finance and corporate social responsibility; (vii)trends/challenges/barriers/awareness of green finance. The analysis of these emerging themes will contribute to the existing corpus of knowledge and provide valuable insights into the landscape of green finance as it evolves.

The adoption of cloud services offers manifold advantages to public organizations; however, ensuring data privacy during data transfers has become increasingly complex since the inception of the General Data Protection Regulation (GDPR). This study investigates privacy concerns experienced by public organizations in Sweden, focusing on GDPR compliance. A qualitative interpretative approach was adopted, involving semi-structured interviews with seven employees from five public organizations in Sweden. Additionally, secondary data were gathered through an extensive literature review. The collected data were analyzed and classified using the seven privacy threat categories outlined in the LINDDUN framework. The key findings reveal several significant privacy issues when utilizing public cloud services, including unauthorized access, loss of confidentiality, lack of awareness, lack of trust, legal uncertainties, regulatory challenges, and loss of control. The study underscores the importance of implementing measures such as anonymization, pseudonymization, encryption, contractual agreements, and well-defined routines to ensure GDPR compliance. The findings emphasize the importance of implementing measures such as anonymization, pseudonymization, encryption, contractual agreements, and well-defined routines to ensure GDPR compliance. Furthermore, this research highlights the critical aspect of digital sovereignty in addressing privacy challenges associated with public cloud service adoption by public organizations in Sweden.

This research provides value to marketing researchers and professionals in regard to what triggers customers to purchase compulsively by studying the impact of materialism and self-congruence on the obsessive–compulsive buying behaviour (OCBB) of apparel by university students and the mediating role of brand attachment on these relationships. A total of 322 online questionnaires were gathered from university students who shop frequently. The PLS-SEM approach was used for data analysis using the SmartPLS V.3.3.3. software. The findings show that there is a relationship between Materialism, Brand attachment, self-congruence, and OCBB and that both self-congruence and materialism influence brand attachment. Finally, Brand attachment mediates both the relationship between Materialism and OCBB, as well as that between Self-congruence and OCBB. This is one of the first researches to study the mediating role of brand attachment on both relationships in one conceptual model and in an emerging market. The suggested implications include the launch of an awareness campaign on the negative consequences of OCBB on young adults, especially with the current economic conditions. In addition to implications for apparel brand managers on how they can utilize the established relationships to enhance their marketing plans which could increase long-term profitability.