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Determinants of Financial Inclusion: A Comparative Study of Kenya and Ethiopia 金融普惠的决定因素:肯尼亚和埃塞俄比亚的比较研究
IF 1.9 Q3 BUSINESS Pub Date : 2022-05-19 DOI: 10.1080/15228916.2022.2078938
Wuddasie Dereje Bekele
ABSTRACT This study conducts a comparative analysis of the factors affecting financial inclusion in Kenya and Ethiopia at macro and micro levels. A generalized linear model is used to examine the determinants of and barriers to financial inclusion using the 2017 Global Findex Database, whereas a descriptive analysis is used to explore their macro-level differences. Kenya has a higher level of financial inclusion than Ethiopia. Differences in financial liberalization policy, gross domestic product, percentage of rural population, and mobile money service expansion are some macro-level differences that explain this variation. Differences in literacy rates and means of receiving payments such as government transfers explain some of the micro-level variations between the two countries. In addition, gender, age, employment status, and owning a mobile phone have significant and positive effects on financial inclusion. However, lack of documentation, lack of trust, and lack of money are significant barriers to financial inclusion.
摘要本研究从宏观和微观两个层面对肯尼亚和埃塞俄比亚影响金融包容性的因素进行了比较分析。使用2017年全球Findex数据库,使用广义线性模型来检验金融包容性的决定因素和障碍,而使用描述性分析来探索它们的宏观层面差异。肯尼亚的金融包容性水平高于埃塞俄比亚。金融自由化政策、国内生产总值、农村人口比例和移动货币服务扩张的差异是解释这种差异的一些宏观层面的差异。识字率和政府转移支付等支付方式的差异解释了两国之间微观层面的一些差异。此外,性别、年龄、就业状况和拥有手机对金融包容性有着显著而积极的影响。然而,缺乏文件、缺乏信任和缺乏资金是金融包容性的重大障碍。
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引用次数: 17
Factors Leading to South African Female Entrepreneurs’ Endurance to Remain in Business 导致南非女企业家持续经商的因素
IF 1.9 Q3 BUSINESS Pub Date : 2022-05-11 DOI: 10.1080/15228916.2022.2069430
N. Meyer
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引用次数: 3
Social Media Sentiment Analysis: Online versus ‘Brick and Mortar’ Retailers in South Africa 社交媒体情绪分析:南非在线零售商与“实体零售商”
IF 1.9 Q3 BUSINESS Pub Date : 2022-05-11 DOI: 10.1080/15228916.2022.2069418
N. Madinga, James Lappeman
ABSTRACT This study provides an analysis of consumers sentiment regarding online and ‘brick and mortar’ retailers in South Africa. The research provides insight into consumer online conversation by examining views as expressed about retailers from 15417 mentions on Twitter, Facebook, and Instagram. The results indicate that customer service, shopping portals, vouchers/coupons, stock availability, deliveries, and jobs were the top issues discussed about online retailers. Brick and mortar retailers, however, showed conversational the themes of store cards, vouchers, customer service, jobs/staff, stock availability, and in-store experience. As eRetailing grows in momentum in Africa, this study provides a foundation for understanding consumer sentiment and comparing the different retail formats.
摘要本研究分析了消费者对南非在线和实体零售商的看法。这项研究通过调查推特、脸书和Instagram上15417次提及的零售商的观点,深入了解消费者的在线对话。结果表明,客户服务、购物门户、代金券/优惠券、库存可用性、送货和工作是在线零售商讨论的首要问题。然而,实体零售商展示了商店卡、代金券、客户服务、工作/员工、库存可用性和店内体验等主题。随着电子零售在非洲的发展势头,这项研究为理解消费者情绪和比较不同的零售形式提供了基础。
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引用次数: 2
Motivations for Entrepreneurship: New Evidence from Tertiary-level Educated Sub-Saharan African Women 创业动机:来自受过高等教育的撒哈拉以南非洲妇女的新证据
IF 1.9 Q3 BUSINESS Pub Date : 2022-05-09 DOI: 10.1080/15228916.2022.2069434
Sombo Muzata
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引用次数: 4
MrParse: finding homologues in the PDB and the EBI AlphaFold database for molecular replacement and more. MrParse:在 PDB 和 EBI AlphaFold 数据库中查找同源物,用于分子置换等。
IF 2.6 Q3 BUSINESS Pub Date : 2022-05-01 Epub Date: 2022-04-26 DOI: 10.1107/S2059798322003576
Adam J Simpkin, Jens M H Thomas, Ronan M Keegan, Daniel J Rigden

Crystallographers have an array of search-model options for structure solution by molecular replacement (MR). The well established options of homologous experimental structures and regular secondary-structure elements or motifs are increasingly supplemented by computational modelling. Such modelling may be carried out locally or may use pre-calculated predictions retrieved from databases such as the EBI AlphaFold database. MrParse is a new pipeline to help to streamline the decision process in MR by consolidating bioinformatic predictions in one place. When reflection data are provided, MrParse can rank any experimental homologues found using eLLG, which indicates the likelihood that a given search model will work in MR. Inbuilt displays of predicted secondary structure, coiled-coil and transmembrane regions further inform the choice of MR protocol. MrParse can also identify and rank homologues in the EBI AlphaFold database, a function that will also interest other structural biologists and bioinformaticians.

晶体学家在通过分子置换(MR)解决结构问题时,有一系列搜索模型可供选择。同源实验结构和常规二级结构元素或图案这些成熟的选择越来越多地得到计算建模的补充。这种建模可以在本地进行,也可以使用从 EBI AlphaFold 数据库等数据库检索到的预计算预测结果。MrParse 是一个新的管道,通过将生物信息预测整合到一个地方,帮助简化 MR 的决策过程。在提供反映数据时,MrParse 可以使用 eLLG 对找到的任何实验同源物进行排序,这表明给定的搜索模型在 MR 中起作用的可能性。预测的二级结构、盘绕线圈和跨膜区域的内置显示为选择 MR 协议提供了更多信息。MrParse 还能识别 EBI AlphaFold 数据库中的同源物并对其进行排序,其他结构生物学家和生物信息学家也会对这一功能感兴趣。
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引用次数: 0
Female Managers, Informal Enterprises, and Their Perceived Financial Performance in Togo 多哥女性管理者、非正式企业及其财务绩效感知
IF 1.9 Q3 BUSINESS Pub Date : 2022-04-28 DOI: 10.1080/15228916.2022.2070387
Akouvi Gadedjisso-Tossou, Jean-Pierre Gueyie, Mawuli Kodjovi Couchoro

ABSTRACT

This paper examines the determinants of financial performance as perceived by Togolese female managers operating in the informal sector. The analysis is conducted using the partial least squares methodology based on data collected from 208 female-managed enterprises throughout Togo. The results indicate that business environment constraints, stereotypes toward females’ managerial abilities, female entrepreneur’s risk appetite, and being part of a network are associated positively and significantly with perceived financial performance, while difficult access to finance and cultural factors influence it negatively and significantly. Furthermore, the age of the enterprise is a significant determinant of the perceived financial performance. The positive effect of the business environment constraints is contrary to our expectations. This may be explained by the number of enterprises operating informally.

摘要本文考察了多哥女性非正式部门管理人员对财务绩效的影响因素。分析采用偏最小二乘方法,根据从多哥各地208家女性管理企业收集的数据进行。结果表明,商业环境约束、对女性管理能力的刻板印象、女性企业家的风险偏好和作为网络的一部分对财务绩效感知有显著的正向影响,而融资难及文化因素对财务绩效感知有显著的负向影响。此外,企业的年龄是感知财务绩效的重要决定因素。营商环境约束的积极效应与我们的预期相反。这可以用非正规经营企业的数量来解释。
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引用次数: 0
Challenging Factors Affecting Access to Finance by Female Micro Entrepreneurs in Anambra State, Nigeria 影响尼日利亚阿南布拉州女性微型企业家获得融资的挑战因素
IF 1.9 Q3 BUSINESS Pub Date : 2022-04-20 DOI: 10.1080/15228916.2022.2064677
A. Metu, U. Nwogwugwu
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引用次数: 4
The Impact of Time Management Behaviors on Employee Performance in Humanitarian Service Organization: A Study of Selected NPOs in Ghana 时间管理行为对人道主义服务组织员工绩效的影响——对加纳非营利组织的研究
IF 1.9 Q3 BUSINESS Pub Date : 2022-03-25 DOI: 10.1080/15228916.2022.2031828
J. Abugre, Benedicta Minlah, David Nasere
ABSTRACT The purpose of this work is to analyze the effect of time management behaviors on work performance of humanitarian services of non-for-profit organizations (NPOs) in Ghana. Using a survey of NPOs in Ghana, different multivariate analytical techniques were employed to analyze the data. By this, we tested three symmetrical hypotheses of employees’ time behaviors leading to outcomes of employee performance in NPOs. Results indicated that short range time management behavior has a strong impact on employee work performance in NPOs. Results also indicated that long range time management behavior has a positive impact on employee work performance in NPOs. Similarly, our findings demonstrated that employee time management attitude is strongly linked to their performance in NPOs. This study concludes that time management behaviors or practices should be of great concern to organizational analysis in terms of time management and employee productivity which may go a long way to create competitive advantage for organizations.
本研究旨在分析加纳非营利组织(NPOs)人道主义服务的时间管理行为对其工作绩效的影响。通过对加纳非营利组织的调查,采用了不同的多元分析技术来分析数据。由此,我们检验了非营利组织中员工时间行为对员工绩效影响的三个对称假设。结果表明,短期时间管理行为对非营利组织员工的工作绩效有显著影响。结果还表明,长期时间管理行为对非营利组织员工的工作绩效有正向影响。同样,我们的研究结果表明,员工的时间管理态度与他们在非营利组织的绩效密切相关。本研究的结论是,时间管理行为或实践应该在时间管理和员工生产力方面的组织分析中受到高度关注,这可能对组织创造竞争优势大有帮助。
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引用次数: 0
Sustainability Discourse in Emerging Market multinationals: The Case of South Africa’s Largest Firms 新兴市场跨国公司的可持续性话语:以南非最大公司为例
IF 1.9 Q3 BUSINESS Pub Date : 2022-03-25 DOI: 10.1080/15228916.2022.2048513
Gladys Torres-Baumgarten, T. Rakotobe-Joel
ABSTRACT Despite the crucial role that multinational enterprises (MNEs) can play in advancing sustainability, progress toward meeting the United Nations’ Agenda for Sustainable Development by 2030 has been slow. MNEs are partly responsible, and even though they recognize that they are part of a larger social, economic and ecological ecosystem, and that sustainability can enhance their long-term growth and viability, they have been slow to embrace it. The sustainability and MNE literature initially focused on the sustainability priorities found in developed market multinational enterprises (or DMNEs). Increasingly, “home-grown” (or indigenous) multinationals from emerging market regions have garnered more attention but research on sustainability in the emerging market context is still lagging, despite the fact that emerging markets – and its businesses – have potentially much to gain from embracing sustainability. This paper examines the sustainability discourse in South Africa and identifies the sustainability priorities of its largest indigenous firms. The sustainability reports of South Africa’s largest public firms in 2019 were analyzed using Centering Resonance Analysis (CRA). Results indicate that South African MNEs focus on business and societal aspects of sustainability, more so than on environmental protection initiatives. This finding likely reflects: 1) South Africa’s context and its sustainability priorities, 2) a diverse sectoral sample, 3) geographic dispersion of South African MNE subsidiaries (presence in other emerging, developed or developing markets with different sustainability priorities by market profile), or 4) a combination of these factors.
摘要尽管跨国企业在促进可持续发展方面发挥着至关重要的作用,但在实现联合国2030年可持续发展议程方面进展缓慢。跨国公司负有部分责任,尽管他们认识到自己是一个更大的社会、经济和生态生态系统的一部分,可持续性可以增强其长期增长和生存能力,但他们接受这一点的速度很慢。可持续性和跨国公司文献最初侧重于发达市场跨国企业(或DMNE)的可持续性优先事项。来自新兴市场地区的“本土”(或本土)跨国公司越来越受到关注,但对新兴市场背景下可持续性的研究仍然滞后,尽管新兴市场及其企业可能从拥抱可持续性中获益匪浅。本文考察了南非的可持续性话语,并确定了南非最大本土企业的可持续性优先事项。2019年南非最大上市公司的可持续性报告使用中心共振分析(CRA)进行了分析。结果表明,南非跨国公司更注重可持续性的商业和社会方面,而不是环境保护举措。这一发现可能反映了:1)南非的背景及其可持续性优先事项,2)不同的部门样本,3)南非跨国公司子公司的地理分布(存在于其他新兴、发达或发展中市场,根据市场状况具有不同的可持续性优先权),或4)这些因素的组合。
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引用次数: 1
Research on the Relationship between Audit Risk Assessment and Risk Governance: Evidence from Tunisia 审计风险评估与风险治理关系研究:来自突尼斯的证据
IF 1.9 Q3 BUSINESS Pub Date : 2022-03-19 DOI: 10.1080/15228916.2022.2031726
Imen Fakhfakh, Anis Jarboui
ABSTRACT The study examines the relationship between corporate governance mechanisms and audit risk in firms listed on the Tunisian Stock Exchange (TSE). The study covers the period 2006–2013. Panel regression analysis was used to estimate the relationship between corporate governance variables and audit risk. The results show that board size, board independence and institutional ownership were negatively related to audit risk. It is also discovered that audit risk index level increases as poor corporate governance. These findings may have important implications for analysts, investors, regulators and academics. First, the identifying factors that may influence the audit risk can help guide the reforms to improve the functioning of the financial market. Second, the study provides ample evidence of risk governance problems in the Tunisian market, highlighting the necessity of new corporate governance requirements. This study is unique in providing Tunisian evidence on the effect of corporate governance on audit risk. This paper is also relevant as it develops an index of audit risk and risk corporate governance.
摘要本研究考察了突尼斯证券交易所上市公司的公司治理机制与审计风险之间的关系。该研究涵盖2006-2013年。采用面板回归分析法估计了公司治理变量与审计风险之间的关系。结果表明,董事会规模、董事会独立性和机构所有权与审计风险呈负相关。研究还发现,审计风险指数水平随着公司治理不善而增加。这些发现可能对分析师、投资者、监管机构和学术界产生重要影响。首先,识别可能影响审计风险的因素有助于指导改革,以改善金融市场的运作。其次,该研究为突尼斯市场的风险治理问题提供了充足的证据,强调了新的公司治理要求的必要性。这项研究在提供突尼斯关于公司治理对审计风险影响的证据方面是独一无二的。本文也具有相关性,因为它开发了一个审计风险和公司治理风险指数。
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引用次数: 1
期刊
Journal of African Business
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