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Digital Inclusive Finance Helps Green Industry in Fujian Province Development 数字普惠金融助力福建省绿色产业发展
Pub Date : 2024-07-16 DOI: 10.9734/ajeba/2024/v24i71428
Rongling LI, Jun Wang
Aims: Digital inclusive finance, as a combination of modern technology and financial services, has developed rapidly in recent years. This new financial model has not only changed the traditional way of providing financial services, but also profoundly affected all aspects of economic and social development. The report of the 18th CPC National Congress made the important decision of "vigorously promoting the construction of ecological civilization " from the strategic height of the sustainable development of the Chinese nation. China's green industry has ushered in a new phase of rapid development. As an important province on the southeast coast of China, Fujian Province, with rich natural resources and vast rural areas, is an important region to promote the development of green industry. Methodology: In this paper, the green industry index of nine prefecture-level cities in Fujian Province from 2011 to 2021 is selected as the explanatory variable, and the development level of digital inclusive finance is taken as the core explanatory variable to explore the impact of digital inclusive finance on the development of green industry in Fujian Province. Results: According to the multiple linear regression, it is found that the level of green industry development is positively correlated with the level of digital inclusive finance development at the 1% significant level, i.e., digital inclusive finance helps to promote the development of green industry in Fujian Province. Conclusion: Based on the findings of the study, the paper puts forward the following recommendations: through the provision of low-cost financing, innovative financial products, digitalized payments and settlements, popularisation of financial education, and the promotion of cooperation, digital inclusive finance can effectively support the development of the green industry. This not only helps to achieve the goal of environmentally sustainable development, but also promotes economic growth, creates employment opportunities and enhances social well-being.
目的:数字普惠金融作为现代科技与金融服务的结合,近年来发展迅速。这种新型金融模式不仅改变了传统的金融服务方式,也深刻影响着经济社会发展的方方面面。党的十八大报告从中华民族永续发展的战略高度,作出了 "大力推进生态文明建设 "的重大决策。我国绿色产业迎来了快速发展的新阶段。福建省作为我国东南沿海的重要省份,自然资源丰富,农村地域广阔,是推动绿色产业发展的重要区域。研究方法:本文选取2011-2021年福建省9个地级市绿色产业指数作为解释变量,数字普惠金融发展水平作为核心解释变量,探讨数字普惠金融对福建省绿色产业发展的影响。研究结果根据多元线性回归发现,绿色产业发展水平与数字普惠金融发展水平在1%的显著水平上正相关,即数字普惠金融有助于促进福建省绿色产业的发展。结论基于研究结论,本文提出以下建议:通过提供低成本融资、创新金融产品、数字化支付结算、普及金融教育、促进合作等方式,数字普惠金融能够有效支持绿色产业的发展。这不仅有助于实现环境可持续发展的目标,还能促进经济增长、创造就业机会、增进社会福祉。
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引用次数: 0
Signaling Theory in Action: How Dividends Affect Shareholder Investment Decisions in Nigerian Deposit Money Banks 信号理论在行动:股息如何影响尼日利亚存款货币银行股东的投资决策
Pub Date : 2024-07-12 DOI: 10.9734/ajeba/2024/v24i71426
Gilbert Ogechukwu Nworie, Ikechukwu John Oduche, Okechukwu Ferdinand Cyril-Nwuche
The study examined how dividends influence shareholder investment decisions in Nigerian listed deposit money banks, thereby testing the applicability of Signaling Theory in this context. Investment decision was measured using the amount of equity shareholding in the bank. Ex-post facto research design was applied on the population of all the thirteen (13) listed deposit money banks in Nigeria. The study employed purposive sampling to select ten (10) deposit money banks. Secondary data were sourced from the annual report and accounts of the selected listed banks for ten (10) years from 2013 to 2022. The study utilized Pooled least square regression technique with the aid of Eviews statistical software to test the null hypothesis. The finding showed that dividends significantly increased the amount of equity shareholding among listed deposit money banks in Nigeria (p-value = 0.0000). In conclusion, higher dividends not only signals a bank's current financial health but also enhances investor confidence in its future prospects, leading to greater equity shareholding. Therefore, we recommend that managers of deposit money banks in Nigeria should establish and consistently adhere to transparent dividend policies, providing clear criteria for distribution and maintaining a reliable track record of payouts to build investor confidence.
本研究探讨了股息如何影响尼日利亚上市存款银行的股东投资决策,从而检验了信号理论在此背景下的适用性。投资决策通过银行的持股量来衡量。事后研究设计适用于尼日利亚所有十三(13)家上市存款银行。研究采用了目的性抽样,选出了十(10)家存款银行。二手数据来源于所选上市银行从 2013 年到 2022 年的十 (10) 年年报和账目。研究借助 Eviews 统计软件,利用集合最小二乘法回归技术对零假设进行了检验。结果表明,在尼日利亚上市的存款银行中,股息明显增加了持股量(P 值 = 0.0000)。总之,较高的股息不仅预示着一家银行当前的财务健康状况,还增强了投资者对其未来前景的信心,从而提高了持股量。因此,我们建议尼日利亚存款银行的管理者应制定并始终坚持透明的股利政策,提供明确的分配标准并保持可靠的派息记录,以建立投资者的信心。
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引用次数: 0
Taxpayer Compliance: Can Accountant Commitment, Whistleblowing, and Tax System Modernization Impact? 纳税人遵纪守法:会计承诺、举报和税务系统现代化能否产生影响?
Pub Date : 2024-07-12 DOI: 10.9734/ajeba/2024/v24i71427
Feber Sormin, Deden Tarmidi, Etty Murwaningsari
Aims: The purpose of this study is to examine the impact of Accountants' Professional Dedication, Whistleblowing Mechanism, and Modernization of Tax Administration System on Taxpayer Compliance among practicing accountants in Accounting Firms in Indonesia. Methodology: This research utilizes a Quantitative Method with multiple regression analysis using statistical data analytics software SPSS. The primary data for this study was collected through a Google Form questionnaire from 87 practicing accountants employed at Accounting Firms. Results: The findings suggest that Accountants' Professional Commitment and Tax Administration System Modernization do not affect Taxpayer Compliance, whereas the Whistleblowing Mechanism does have an influence on it. In simultaneous testing, all three independent variables studied collectively demonstrate a positive effect on the dependent variable. Conclusion and Suggestion: This research outcome aims to provide practical insights, offer recommendations for government policy considerations, serve as educational material concerning the role of practicing accountants in improving Taxpayer Compliance, and serve as an academic resource for future researchers.
目的:本研究旨在探讨会计师的敬业精神、举报机制和税收征管系统现代化对印度尼西亚会计师事务所执业会计师遵守纳税义务情况的影响。研究方法:本研究采用定量方法,使用统计数据分析软件 SPSS 进行多元回归分析。本研究的主要数据是通过谷歌表格问卷从 87 名受雇于会计师事务所的执业会计师处收集的。研究结果研究结果表明,会计师的职业承诺和税收征管系统现代化不会影响纳税人遵从度,而举报机制则会对纳税人遵从度产生影响。在同步检验中,所研究的三个自变量共同对因变量产生了积极影响。结论与建议:本研究成果旨在提供实用的见解,为政府政策考虑提供建议,作为有关执业会计师在提高纳税人合规性方面作用的教育材料,并作为未来研究人员的学术资源。
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引用次数: 0
The Effect of Customer Experience on Repurchase Intention Through Customer Satisfaction Virtual Products Game Mobile Legends: Bang Bang in Cimahi City, Indonesia 通过客户满意度虚拟产品游戏《移动传奇》研究客户体验对再次购买意愿的影响:印度尼西亚西马希市的 "砰砰 "游戏
Pub Date : 2024-07-12 DOI: 10.9734/ajeba/2024/v24i71425
Faiz Irsyadi, Hariyadi Triwahyu Putra
The purpose of this study is to examine the influence of customer experience dimensions, namely sensory experience, emotional experience, and social experience on repurchase intention through customer satisfaction of the Mobile Legends: Bang Bang virtual game product in Cimahi City. A total of 150 respondents who have played the Mobile Legends: Bang Bang game and have bought the Mobile Legends: Bang Bang game virtual product are the sample in this study. The cross-sectional or one-shot study method was used to obtain data. The research instrument has been declared to have passed the validity and reliability test. The data analysis technique used is structural equation modeling (SEM) using the help of Smart-PLS version 3.0. The results showed that of the ten hypotheses proposed, all hypotheses had a positive influence. Sensory experience, emotional experience, and social experience influence repurchase intention both directly and indirectly through customer satisfaction.
本研究的目的是探讨客户体验维度(即感官体验、情感体验和社会体验)通过客户对《手机传奇》的满意度对再购买意愿的影响:砰砰》虚拟游戏产品的顾客满意度对再次购买意愿的影响。共有 150 名受访者玩过《手机传奇:砰砰》游戏并购买了该游戏:Bang Bang》游戏并购买了《Mobile Legends:砰砰》虚拟游戏产品的受访者。本研究采用横断面或一次性研究方法获取数据。研究工具已通过有效性和可靠性测试。采用的数据分析技术是结构方程模型(SEM),使用的是 Smart-PLS 3.0 版。结果显示,在提出的十个假设中,所有假设都有积极影响。感官体验、情感体验和社会体验通过顾客满意度直接或间接地影响了再购买意愿。
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引用次数: 0
Perceived Experience, Value, and Customer Loyalty: The Mediating Role of Satisfaction in Citilink's YIA-PKU Route 感知体验、价值和客户忠诚度:满意度在中信国际航空公司 YIA-PKU 航线中的中介作用
Pub Date : 2024-07-11 DOI: 10.9734/ajeba/2024/v24i71424
Muhammad Asrof Suweri, Anas Hidayat
This study analyzes how perceived experience and perceived value influence customer loyalty, mediated by customer satisfaction, among Citilink airline passengers. A quantitative approach was utilized, including distributing online questionnaires to 250 respondents via Google Forms. A non-probability purposive sampling method was employed, and data were analyzed using Structural Equation Modeling (SEM) with the AMOS software. The results indicate that perceived experience positively affects customer satisfaction, perceived value affects customer satisfaction, perceived experience positively affects customer loyalty, and perceived value affects customer loyalty. Furthermore, customer satisfaction mediates the positive effects of perceived experience and value on customer loyalty. This research can assist Citilink's management sector practitioners make policies concerning customer satisfaction. Another practical benefit is its contribution to policy-makers building customer loyalty, specifically in the airline transportation sector.
本研究分析了感知体验和感知价值如何通过顾客满意度影响花旗航空公司乘客的顾客忠诚度。研究采用定量方法,包括通过谷歌表格向 250 名受访者发放在线问卷。研究采用了非概率目的性抽样方法,并使用 AMOS 软件的结构方程模型(SEM)对数据进行了分析。结果表明,感知体验对顾客满意度有正向影响,感知价值对顾客满意度有正向影响,感知体验对顾客忠诚度有正向影响,感知价值对顾客忠诚度有正向影响。此外,客户满意度对感知体验和感知价值对客户忠诚度的积极影响具有中介作用。这项研究可以帮助中信银行的管理部门制定有关客户满意度的政策。另一个实际益处是,它有助于政策制定者建立顾客忠诚度,特别是在航空运输业。
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引用次数: 0
Challenges and Prospects of Housing Finance Sector: A Comprehensive Study in the Context of Bangladesh 住房金融部门的挑战与前景:以孟加拉国为背景的综合研究
Pub Date : 2024-07-11 DOI: 10.9734/ajeba/2024/v24i71423
Md. Khairul Islam, Md. Mizanur Rahman
The housing finance sector of Bangladesh stands at a promising stage. This study tries to provide an inclusive analysis regarding the challenges and prospects of the housing finance sector of Bangladesh, aiming to provide some valuable insights for policymakers, financial institutions, and stakeholders. Objectives of the study are to understand the growth prospects of housing financing sector and analyze the key challenges of the housing finance sector in Bangladesh. This study is primarily based on secondary data, sourced from various pertinent sources. Furthermore, the analysis of these secondary data enhanced the primary findings, contributing to a comprehensive understanding of Bangladesh's housing finance landscape. The contribution of housing finance sector to the economic development is multifaceted. The sector directly and indirectly contributes to the Gross Domestic Product (GDP) through the creation of employment, generation of government revenue, development of infrastructure along with having some multiplier effects on other industries. Factors such as maturity mismatch of fund, limited access to finance, income disparities, high interest rate, lack of proper collateral are identified as key challenges for the housing finance sector. Innovative finance mechanisms, such as mortgage-backed securities marked as a potential avenue for expanding the access to housing finance. Furthermore, the technology can also play a crucial role in facilitating the processes and enhancing the inclusivity within the housing finance ecosystem. Addressing key issues and working on actionable insights, sustainable urban development and socio-economic progress can be achieved through the creation of efficient housing market, collaboration with the stakeholder and reformation of policy and regulatory framework.
孟加拉国的住房金融业正处于大有可为的阶段。本研究试图对孟加拉国住房金融行业面临的挑战和前景进行全面分析,旨在为政策制定者、金融机构和利益相关者提供一些有价值的见解。本研究的目标是了解住房融资部门的增长前景,分析孟加拉国住房融资部门面临的主要挑战。本研究主要基于从各种相关来源获取的二手数据。此外,对这些二手数据的分析增强了主要研究结果,有助于全面了解孟加拉国的住房融资状况。住房金融部门对经济发展的贡献是多方面的。该行业通过创造就业、创造政府收入、发展基础设施以及对其他行业产生一些乘数效应,直接或间接地促进了国内生产总值(GDP)的增长。资金期限不匹配、融资渠道有限、收入差距、高利率、缺乏适当的抵押品等因素被认为是住房融资部门面临的主要挑战。创新融资机制,如抵押贷款支持证券,是扩大住房融资渠道的潜在途径。此外,技术在促进住房融资生态系统内的流程和提高包容性方面也能发挥关键作用。解决关键问题并提出可操作的见解,可通过创建高效的住房市场、与利益相关者合作以及改革政策和监管框架来实现可持续城市发展和社会经济进步。
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引用次数: 0
How Do Supply Chain Management Practices Influence Organizational Performance? A Case Study of Bangladesh's Agro-Food Industry 供应链管理实践如何影响组织绩效?孟加拉国农产品加工业案例研究
Pub Date : 2024-07-10 DOI: 10.9734/ajeba/2024/v24i71421
Sirajul Islam Siju, Salina Akter, Sazzad Hossain, M. Mustafi
Introduction: Supply chain management practices are essential for enhancing organizational performance, particularly in the Agro-food industry. This study examines the impact of specific SCM factors—Strategic Supplier Partnership, Customer Relationship, Level of Information Sharing, and Quality of Information Sharing—on organizational performance in Bangladesh. Methodology: Data were collected via a structured questionnaire targeting key stakeholders in Bangladesh's Agro-food industry, using a 5-point Likert scale to measure responses. Structural equation modeling (SEM) was utilized to analyze the relationships between SCM practice factors and organizational performance factors such as marketing and financial performance. Findings: The analysis revealed that customer relationships, quality of information sharing, and strategic supplier partnerships have significant positive relationships with organizational performance, particularly in terms of financial and marketing outcomes. However, the level of information sharing did not show a significant impact on both financial and marketing performance. Managerial Implications: The study emphasizes the significance of prioritizing strategic supplier partnerships, customer relationships, and high-quality information sharing for improving organizational performance in Bangladesh's Agro-food industry. Strengthening these SCM practices can lead to better financial and marketing performance, providing valuable insights for managers to develop targeted strategies.
导言:供应链管理实践对提高组织绩效至关重要,尤其是在农业食品行业。本研究探讨了特定供应链管理因素--战略供应商伙伴关系、客户关系、信息共享水平和信息共享质量--对孟加拉国组织绩效的影响。研究方法:通过针对孟加拉国农业食品行业主要利益相关者的结构化问卷收集数据,采用 5 点李克特量表来测量回答。利用结构方程模型(SEM)分析供应链管理实践因素与营销和财务绩效等组织绩效因素之间的关系。研究结果:分析表明,客户关系、信息共享质量和战略供应商伙伴关系与组织绩效有显著的正相关关系,尤其是在财务和营销结果方面。然而,信息共享水平对财务和营销绩效的影响并不大。管理启示:本研究强调了优先考虑供应商战略伙伴关系、客户关系和高质量信息共享对提高孟加拉国农业食品行业组织绩效的重要意义。加强这些供应链管理实践可提高财务和营销绩效,为管理者制定有针对性的战略提供有价值的见解。
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引用次数: 0
Institutional Quality, Monetary Policy and Banking System Stability in Nigeria 尼日利亚的机构质量、货币政策和银行系统稳定性
Pub Date : 2024-07-10 DOI: 10.9734/ajeba/2024/v24i71422
Orina Tobi Adewumi, Demehin James Adeniyi
The study used a Generalized Method of Moments to examine the effect of six IQ indices (voice and accountability, rule of law, regulatory quality, government effectiveness, corruption control and political stability and absence of violence) and MP tools (monetary policy rate, loan-deposit ratio, lending rate, logarithm of broad money supply and banking system liquidity ratio) on the Z-Score, a proxy for banking system stability. The study found that, among the six MP indices, only corruption control index has a positive and significant effect on bank stability (coefficient = 0.245124, p = 0.0042). Also, out of five MP variables, only the loan-deposit ratio has a significantly positive effect on bank stability (coefficient = 0.0070482, p = 0.0072). The effect of the other IQ and MP indicators are not significant enough for inference purposes. We conclude that IQ affects banking system stability positively and significantly. We also found that MP affects the stability of the banking system positively and significantly. We recommend, among others, that authorities should continue to pursue zero corruption in institutions and that banks should be mandated to improve on the existing anti-corruption measures. Also the Central Bank of Nigeria should continue to maintain the range of loan-deposit ratio that has existed for many years. There is the need to re-appraise other IQ and MP variables with no significant positive effect on banking system stability in Nigeria.
研究采用广义矩法考察了六项智商指数(发言权和问责制、法治、监管质量、政府效能、腐败控制以及政治稳定和无暴力)和 MP 工具(货币政策利率、贷存比、贷款利率、广义货币供应量对数和银行系统流动性比率)对代表银行系统稳定性的 Z 值的影响。研究发现,在六个 MP 指数中,只有腐败控制指数对银行稳定性有显著的正向影响(系数 = 0.245124,P = 0.0042)。此外,在五个 MP 变量中,只有贷存比对银行稳定性有显著的正向影响(系数 = 0.0070482,P = 0.0072)。其他 IQ 和 MP 指标的影响均不明显,不足以用于推论。我们得出结论,智商对银行系统稳定性的影响是积极且显著的。我们还发现,MP 对银行系统的稳定性也有积极而重要的影响。我们建议,除其他外,当局应继续在机构中推行零腐败,并授权银行改进现有的反腐败措施。此外,尼日利亚中央银行应继续保持多年来的贷存比范围。有必要重新评估对尼日利亚银行系统稳定性没有显著积极影响的其他 IQ 和 MP 变量。
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引用次数: 0
The Influence of Strategic Implementation Practices on the Performance of NGOs in Mombasa County 战略实施实践对蒙巴萨县非政府组织绩效的影响
Pub Date : 2024-07-10 DOI: 10.9734/ajeba/2024/v24i71420
Geoffrey Kipkoech Maritim, R. Obuba
Running non-governmental organizations still has its fair share of challenges. Managerial efficiency is still wanting, its performance very low with most of them witnessing increased corruption cases. This study aimed to assess the influence of strategic implementation practices on the performance of NGOs in Mombasa County, Kenya. The study was guided by the strategic fit theory. The target population comprised 906 respondents. Data from the board members were collected using questionnaires, while interviews were conducted to collect data from presidents and treasurers. Piloting of research instruments was conducted among 10.0% of the sample size of respondents in the neighboring Mombasa County to establish validity, reliability, credibility, and dependability. Data analysis began by identifying common themes from the respondents’ descriptions of their experiences. Qualitative data was analyzed thematically along the objectives and presented in narrative forms, while quantitative data was analyzed descriptively using frequencies, percentages, mean, and standard deviation, and inferentially using ANOVA with the help of Statistical Packages for Social Science (SPSS Version 27). To enhance their strategic implementation practices, NGOs are advised to bolster collaborations with stakeholders, improve resource mobilization, assess internal and external factors, and engage employees in the planning and execution of strategies.
非政府组织的运作仍然面临着相当大的挑战。管理效率仍然不高,绩效非常低,大多数非政府组织的腐败案件不断增加。本研究旨在评估战略实施实践对肯尼亚蒙巴萨县非政府组织绩效的影响。研究以战略契合理论为指导。目标人群包括 906 名受访者。采用问卷调查的方式收集了董事会成员的数据,同时对总裁和财务主管进行了访谈以收集数据。在邻近的蒙巴萨县,在 10.0% 的受访者样本中进行了研究工具试点,以确定有效性、可靠性、可信度和可靠性。数据分析首先从受访者对其经历的描述中找出共同主题。定性数据按照目标进行主题分析,并以叙述形式呈现;定量数据则使用频率、百分比、平均值和标准偏差进行描述性分析,并在社会科学统计软件包(SPSS 27 版)的帮助下使用方差分析进行推论。为加强战略实施实践,建议非政府组织加强与利益相关方的合作,改善资源调动,评估内部和外部因素,并让员工参与战略的规划和执行。
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引用次数: 0
Research on the Influence of Digital Economy on Technological Complexity of China's Manufacture Exports 数字经济对中国制造业出口技术复杂性的影响研究
Pub Date : 2024-07-09 DOI: 10.9734/ajeba/2024/v24i71419
Mengyuan Cheng, Jifeng Zhang
This paper provides an empirical analysis of the relationship between China's digital economy and the improvement of technical complexity of China's manufacturing exports. First, the direct effect of digital economy on the enhancement of technical complexity of manufacturing exports is tested by constructing a fixed effect model; Second, the indirect effect of digital economy on the enhancement of technical complexity of manufacturing exports is tested by constructing a mediating effect model; Third, a heterogeneity model is constructed to test the differentiated impact of digital economy on the technical complexity of manufacturing exports. Empirical results suggest that: (1) the digital economy can effectively enhance the technological complexity of China's manufacturing exports; (2) product innovation is an important transmission mechanism for the digital economy to promote the enhancement of the technological complexity of manufacturing exports; (3) this enhancement effect is stronger in the economically developed regions.
本文对中国数字经济与中国制造业出口技术复杂度提升之间的关系进行了实证分析。首先,通过构建固定效应模型,检验数字经济对制造业出口技术复杂度提升的直接影响;其次,通过构建中介效应模型,检验数字经济对制造业出口技术复杂度提升的间接影响;第三,构建异质性模型,检验数字经济对制造业出口技术复杂度的差异化影响。实证结果表明(1)数字经济能有效提升中国制造业出口的技术复杂度;(2)产品创新是数字经济促进制造业出口技术复杂度提升的重要传导机制;(3)这种提升效应在经济发达地区更强。
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引用次数: 0
期刊
Asian Journal of Economics, Business and Accounting
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