Asian journal of economics, business and accounting最新文献

{"title":"Navigating the Microfinance Conundrum: Assessing the Impact of Commercialization on Financial Sustainability and Inclusion of the Poor in Developing Countries: A Review Literature","authors":"Gobezu Gotoro Gota, S. S. Sodha","doi":"10.9734/ajeba/2024/v24i31253","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31253","url":null,"abstract":"Aims: Following the inception of commercialization shifts in microfinance institutions (MFIs), financial inclusion of the poor has remained an open question. Moreover, the existing research results on this issue provide mixed findings. Thus, this study aims to analyze the effects of commercialization in MFIs on financial sustainability and inclusion of the poor.  \u0000The Study Design: The design of this study is literature review. \u0000Methodology: The study collected related literatures from different database such as google scholar, web of science, research gate, and general google search. More related scholarly published literatures were selected depending on clearly defined inclusion and exclusion criteria. \u0000Results: The finding of the study reveals a contentious discourse among scholars, with some asserting that commercialization leads to mission drift and a tradeoff between financial performance and depth of outreach, while others argue it offers opportunities for MFIs to achieve financial self-sustainability without compromising their original social goals. \u0000Conclusion: Empirical evidence suggests existence of tradeoff, as MFIs, driven by the need for financial viability, shift from serving the very poor to better-off customers, potentially neglecting their social mission. Policy recommendations call for a balanced approach, acknowledging the need for financial sustainability while emphasizing the importance of continued social outreach to alleviate poverty. \u0000Significance: The current study provides recent updates on existing debates and enriches knowledge.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":"112 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139840190","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":"Navigating the Microfinance Conundrum: Assessing the Impact of Commercialization on Financial Sustainability and Inclusion of the Poor in Developing Countries: A Review Literature","authors":"Gobezu Gotoro Gota, S. S. Sodha","doi":"10.9734/ajeba/2024/v24i31253","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31253","url":null,"abstract":"Aims: Following the inception of commercialization shifts in microfinance institutions (MFIs), financial inclusion of the poor has remained an open question. Moreover, the existing research results on this issue provide mixed findings. Thus, this study aims to analyze the effects of commercialization in MFIs on financial sustainability and inclusion of the poor.  \u0000The Study Design: The design of this study is literature review. \u0000Methodology: The study collected related literatures from different database such as google scholar, web of science, research gate, and general google search. More related scholarly published literatures were selected depending on clearly defined inclusion and exclusion criteria. \u0000Results: The finding of the study reveals a contentious discourse among scholars, with some asserting that commercialization leads to mission drift and a tradeoff between financial performance and depth of outreach, while others argue it offers opportunities for MFIs to achieve financial self-sustainability without compromising their original social goals. \u0000Conclusion: Empirical evidence suggests existence of tradeoff, as MFIs, driven by the need for financial viability, shift from serving the very poor to better-off customers, potentially neglecting their social mission. Policy recommendations call for a balanced approach, acknowledging the need for financial sustainability while emphasizing the importance of continued social outreach to alleviate poverty. \u0000Significance: The current study provides recent updates on existing debates and enriches knowledge.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":"51 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139780571","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":"The Effect of Upturn National Bank Billing System on Revenue Collection in the County Government of Nandi in Kenya","authors":"Elly Kipkemboi Limo, Loice Koskei","doi":"10.9734/ajeba/2024/v24i31251","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31251","url":null,"abstract":"The Constitution of Kenya 2010, led to the devolution of various public services to county governments, including the responsibility of revenue collection to fund their operations and functions. When the optimal collection of necessary revenues by county governments is not achieved, the public may suffer adverse consequences, experiencing poor service delivery. This study examined the effect of Upturn National Bank billing system on revenue collection in the county government of Nandi and was guided by the revenue diversification theory and the resource-based view theory. The study employed a descriptive research design. The target population of the study was 4,017 employees in the twelve departments of the county government of Nandi. This study used the Yamane (1973) formula to get the sample size and stratified random sampling to select respondents. Data was collected through questionnaires. The statistical package for social sciences was used to analyse the data. Inferential statistics was used to compare each independent variable with the dependent variable. The relationship between variables was evaluated using Pearson's correlation coefficient. Furthermore, regression analysis was conducted to analyze the combined effect of the variables. The study variables were   tested at a significance level of 5%. Tables were used to present findings. Results revealed that the Nandi county government’s electronic billing system had a positive and significant impact on revenue collection (β =0.184, p =0.000). The use of online platforms streamlined billing processes. This study recommended that the county’s billing should be done through online platforms. The county’s internal audit department should ensure that there are adequate electronic checks in bank accounts. Findings of this study are important to the county governments as they would form a basis against which robust billing policies would be instituted to enhance revenue collection. Additionally, this study would add to theory on e-billing and revenue collection for devolved systems of government.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":"66 23","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139844224","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":"The Effect of Upturn National Bank Billing System on Revenue Collection in the County Government of Nandi in Kenya","authors":"Elly Kipkemboi Limo, Loice Koskei","doi":"10.9734/ajeba/2024/v24i31251","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31251","url":null,"abstract":"The Constitution of Kenya 2010, led to the devolution of various public services to county governments, including the responsibility of revenue collection to fund their operations and functions. When the optimal collection of necessary revenues by county governments is not achieved, the public may suffer adverse consequences, experiencing poor service delivery. This study examined the effect of Upturn National Bank billing system on revenue collection in the county government of Nandi and was guided by the revenue diversification theory and the resource-based view theory. The study employed a descriptive research design. The target population of the study was 4,017 employees in the twelve departments of the county government of Nandi. This study used the Yamane (1973) formula to get the sample size and stratified random sampling to select respondents. Data was collected through questionnaires. The statistical package for social sciences was used to analyse the data. Inferential statistics was used to compare each independent variable with the dependent variable. The relationship between variables was evaluated using Pearson's correlation coefficient. Furthermore, regression analysis was conducted to analyze the combined effect of the variables. The study variables were   tested at a significance level of 5%. Tables were used to present findings. Results revealed that the Nandi county government’s electronic billing system had a positive and significant impact on revenue collection (β =0.184, p =0.000). The use of online platforms streamlined billing processes. This study recommended that the county’s billing should be done through online platforms. The county’s internal audit department should ensure that there are adequate electronic checks in bank accounts. Findings of this study are important to the county governments as they would form a basis against which robust billing policies would be instituted to enhance revenue collection. Additionally, this study would add to theory on e-billing and revenue collection for devolved systems of government.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":"99 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139784193","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":"Exploring the Impact of Employer Branding on Intention towards Job Application: The Mediating Role of Social Media","authors":"Ryan Basith Fasih Khan","doi":"10.9734/ajeba/2024/v24i31250","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31250","url":null,"abstract":"Research on Generation Z's career preferences and expectations is new because they are new to the labour market and have different personalities and interests than previous generations. This requires a different approach to recruiting and selecting jobs. HRD needs to understand the factors that motivate Generation Z to work and adjust the work environment to maintain its presence in the workforce. This research involved 172 respondents from Islamic universities in East Java. This study aims to explore the effect of employer branding on the intention to apply, which is mediated through social media. This study also uses SEM-PLS to answer the hypothesis. The finding is that Employer Branding can influence intention in applying for a job, but social media is not able to mediate the effect of employer branding on intention to apply; social media is at the same time new as an intervening variable.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":"197 1-2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139847329","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":"Exploring the Impact of Employer Branding on Intention towards Job Application: The Mediating Role of Social Media","authors":"Ryan Basith Fasih Khan","doi":"10.9734/ajeba/2024/v24i31250","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31250","url":null,"abstract":"Research on Generation Z's career preferences and expectations is new because they are new to the labour market and have different personalities and interests than previous generations. This requires a different approach to recruiting and selecting jobs. HRD needs to understand the factors that motivate Generation Z to work and adjust the work environment to maintain its presence in the workforce. This research involved 172 respondents from Islamic universities in East Java. This study aims to explore the effect of employer branding on the intention to apply, which is mediated through social media. This study also uses SEM-PLS to answer the hypothesis. The finding is that Employer Branding can influence intention in applying for a job, but social media is not able to mediate the effect of employer branding on intention to apply; social media is at the same time new as an intervening variable.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":" May","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139787511","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":"Job Satisfaction as a Mediating Variable between Transformational Leadership Style and Work Environment on Organizational Commitment at Maternity Clinic in Purwokerto","authors":"I. Fitriana, F. Bagis, A. Darmawan, A. Kharismasyah","doi":"10.9734/ajeba/2024/v24i31249","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31249","url":null,"abstract":"Aims: This study examines the role of job satisfaction as a mediating variable between transformational leadership and work environment on organizational commitment. \u0000Study Design: This study uses a quantitative approach with a questionnaire data collection method. \u0000Place and Duration of Study: This research was conducted on employees of the Maternity Clinic A and Maternity Clinic B in Purwokerto, totaling 140 respondents from 212 employees, between December 2023 – January 2024. \u0000Methodology: This study was conducted on employees of Maternity Clinic A and Maternity Clinic B in Purwokerto, as many as 140 respondents out of 212 employees, between December 2023 - January 2024. \u0000Results: By using a significance level of 5%, the results of the analysis calculations prove that Transformational Leadership, Work Environment and Job Satisfaction have a positive and significant effect on Organizational Commitment. Transformational Leadership and Work Environment have a positive and significant effect on Job Satisfaction Commitment. And the mediation results show that Job Satisfaction cannot mediate the relationship between Transformational Leadership and Work Environment on Organizational Commitment. \u0000Conclusion: The results of this study indicate that leaders who implement good Transformational Leadership and Work Environment practices can increase Job Satisfaction, but cannot significantly increase Organizational Commitment.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":"30 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139848484","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":"Job Satisfaction as a Mediating Variable between Transformational Leadership Style and Work Environment on Organizational Commitment at Maternity Clinic in Purwokerto","authors":"I. Fitriana, F. Bagis, A. Darmawan, A. Kharismasyah","doi":"10.9734/ajeba/2024/v24i31249","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31249","url":null,"abstract":"Aims: This study examines the role of job satisfaction as a mediating variable between transformational leadership and work environment on organizational commitment. \u0000Study Design: This study uses a quantitative approach with a questionnaire data collection method. \u0000Place and Duration of Study: This research was conducted on employees of the Maternity Clinic A and Maternity Clinic B in Purwokerto, totaling 140 respondents from 212 employees, between December 2023 – January 2024. \u0000Methodology: This study was conducted on employees of Maternity Clinic A and Maternity Clinic B in Purwokerto, as many as 140 respondents out of 212 employees, between December 2023 - January 2024. \u0000Results: By using a significance level of 5%, the results of the analysis calculations prove that Transformational Leadership, Work Environment and Job Satisfaction have a positive and significant effect on Organizational Commitment. Transformational Leadership and Work Environment have a positive and significant effect on Job Satisfaction Commitment. And the mediation results show that Job Satisfaction cannot mediate the relationship between Transformational Leadership and Work Environment on Organizational Commitment. \u0000Conclusion: The results of this study indicate that leaders who implement good Transformational Leadership and Work Environment practices can increase Job Satisfaction, but cannot significantly increase Organizational Commitment.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":" 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139788619","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":"Communication and Adoption of Mobile Banking Services in Sri Lanka","authors":"Samarawickrama Ruwini, Ganegoda Pushpika","doi":"10.9734/ajeba/2024/v24i31248","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31248","url":null,"abstract":"The Rapid improvement of Information and Communication Technology (ICT) has significantly influenced the banking sector. Although Mobile Banking Service (MBS) was introduced to Sri Lanka 20 years ago, only a few customers use it for transactions. Banks use various communication tools to promote mobile banking services, but the number of users still needs to grow. The problem is whether banks communicate with customers about MBS adequately and whether the communication reaches the target customers as expected. This research comparatively analysed the responses of 91 customers from two selected Sri Lankan banks to address this issue. The study reveals that the respondents were aware of MBS from interpersonal communication channels such as bank officers and family and friends. In contrast, banks often use social media and television advertising to promote MBS. Only a few respondents used television and Facebook advertisements to increase awareness about MBS. The study also found a significant difference between the respondents’ awareness and the usage of MBS. Most respondents had at least a basic knowledge of MBS, but only a few customers used it. The findings show that making customers aware of a banking facility is not enough to convince them to adopt that facility. The study shows that building up trustworthiness is essential to convince customers, and the best communication method is interpersonal communication channels.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":"66 7","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139856232","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":"Communication and Adoption of Mobile Banking Services in Sri Lanka","authors":"Samarawickrama Ruwini, Ganegoda Pushpika","doi":"10.9734/ajeba/2024/v24i31248","DOIUrl":"https://doi.org/10.9734/ajeba/2024/v24i31248","url":null,"abstract":"The Rapid improvement of Information and Communication Technology (ICT) has significantly influenced the banking sector. Although Mobile Banking Service (MBS) was introduced to Sri Lanka 20 years ago, only a few customers use it for transactions. Banks use various communication tools to promote mobile banking services, but the number of users still needs to grow. The problem is whether banks communicate with customers about MBS adequately and whether the communication reaches the target customers as expected. This research comparatively analysed the responses of 91 customers from two selected Sri Lankan banks to address this issue. The study reveals that the respondents were aware of MBS from interpersonal communication channels such as bank officers and family and friends. In contrast, banks often use social media and television advertising to promote MBS. Only a few respondents used television and Facebook advertisements to increase awareness about MBS. The study also found a significant difference between the respondents’ awareness and the usage of MBS. Most respondents had at least a basic knowledge of MBS, but only a few customers used it. The findings show that making customers aware of a banking facility is not enough to convince them to adopt that facility. The study shows that building up trustworthiness is essential to convince customers, and the best communication method is interpersonal communication channels.","PeriodicalId":486390,"journal":{"name":"Asian journal of economics, business and accounting","volume":"355 16","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139796434","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}