{"title":"The impact of financial literacy on financial preparedness for retirement among formally employed individuals in Zimbabwe","authors":"Tendai Towo, Knowledge Jonasi","doi":"10.35912/amor.v5i4.2015","DOIUrl":"https://doi.org/10.35912/amor.v5i4.2015","url":null,"abstract":"Purpose: Changes in global retirement systems have necessitated greater personal responsibility for making retirement financial decisions. The main purpose of this study is to evaluate the effect of financial literacy on the financial preparedness for retirement among the formally employed in Zimbabwe.\u0000Research Methodology: The study adopted a positivist philosophy and an explanatory research design. Questionnaires were used to collect data from a target population of employees in Bindura, Zimbabwe. The final sample consisted of 384 participants. The independent variable, financial literacy, was measured using knowledge of financial instruments and computational capabilities of retirement benefits. Data were analyzed by multiple regression analysis using SPSS version 25.\u0000Results: The findings show a statistically significant relationship between knowledge of financial instruments and financial preparedness for retirement at the 5% significance level. The computational capabilities of retirement benefits are found to have no effect on financial preparedness for retirement.\u0000Limitations: Other factors that affect financial preparedness, such as demographics and financial factors, were not included in the model.\u0000Contribution: This study addresses retirement preparedness, which is one of the least-researched areas of personal finance in Zimbabwe. Therefore, the results are useful for policymakers to enhance the framework of retirement financial literacy.","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"73 18","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140983039","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":"dynamics of digital banking adoption: Insights from Iran's context on marketing strategies and personal competence","authors":"Afshar Bazyar","doi":"10.35912/amor.v5i4.2003","DOIUrl":"https://doi.org/10.35912/amor.v5i4.2003","url":null,"abstract":"Purpose: This study investigates the factors affecting customers' digital banking adoption using the Technology Adoption Model (TAM), supplemented by Bank Marketing Activities (BMA) and Bank Personal Competence (BPC).\u0000Research Methodology: A total of 271 participants were analyzed quantitatively using Structural Equation Modeling (SEM) with IBM AMOS 26.\u0000Results: The findings indicate that both Bank Marketing Activities (BMA) and Bank Personal Competence (BPC) play significant roles in augmenting the perceived ease of use and usefulness of digital banking. Specifically, BPC demonstrates greater efficacy in enhancing ease of use, whereas BMA affects both ease of use and usefulness. Key components of effective bank marketing include personnel expertise, proactive service delivery, and the effective handling of customer dissatisfaction. Moreover, essential competencies for bank staff include being responsive, adept at problem solving, and adhering to ethical standards.\u0000Limitations: The applicability of this study's findings is primarily focused on the educational environment.\u0000Contribution: This study expands the theory of technology adoption, particularly within the realm of marketing functions. It offers valuable managerial insights into the prioritization of bank services and the development of personnel competencies aimed at bolstering the adoption of digital banking services.","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"358 14","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141006602","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}
Moutusi Tanha, Md. Mohibul Alam Dolon, Al-Amin Al-Amin, Nusrat Afrin Nadi, Md. Monirul Islam, Md. Hazrat Ali
{"title":"Factors influencing the development of the cashless payment system: Comprehending the function of the involved participants","authors":"Moutusi Tanha, Md. Mohibul Alam Dolon, Al-Amin Al-Amin, Nusrat Afrin Nadi, Md. Monirul Islam, Md. Hazrat Ali","doi":"10.35912/amor.v5i4.1959","DOIUrl":"https://doi.org/10.35912/amor.v5i4.1959","url":null,"abstract":"Purpose: The prevalence of cashless payments has increased globally owing to their myriad benefits. Furthermore, the use of cashless payments has also increased. Nevertheless, there is a need for more comprehensive research on the acceptance and current methodologies of cashless transactions. This study aims to gain a thorough understanding by identifying the entities involved and their pivotal functions in the payment ecosystem.\u0000Research Methodology: This report seeks to answer two research questions: i) Which factors are involved in the cashless payment ecosystem? What key elements influence the players in adopting a cashless payment ecosystem? Six key ecosystem players and their influencing elements were identified by comprehensively evaluating 63 publications published between 2015 and 2021.\u0000Results: Several benefits are associated with cashless payments, which have led to their growing popularity worldwide. Furthermore, during the COVID-19 epidemic, there was a significant increase in the use of cashless payment methods.\u0000Limitations: On the other hand, more holistic studies on the widespread use of cashless payment methods and their respective modern behaviors are needed.\u0000Contribution: In addition to providing a foundation for further empirical research, this study contributes to resolving adoption-related concerns.\u0000Novelty: This study’s original approach to understanding the various elements driving cashless payment system development by focusing on participant roles and functions is unique. Unlike previous studies, this study examines human dynamics rather than technology or regulatory issues.","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"23 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141014707","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":"Sustainable waste management and organizational performance of food and beverage firms","authors":"Michael Ikenna Udodiugwu","doi":"10.35912/amor.v5i4.2004","DOIUrl":"https://doi.org/10.35912/amor.v5i4.2004","url":null,"abstract":"Purpose: Evidence shows that Numerous sustainability measures have been put in place to mitigate the huge impact of uncontrollable solid waste disposal. This study was conducted to investigate the impact of waste management on the performance of food and beverage firms.\u0000Research Methodology: The study surveyed nine (9) food and beverage firms, and data were collected with the use of questionnaire from a sample population of one hundred and fifty-one (151) respondents, through a simple random technique. The multiple regression analysis contained in the Statistical Package for Social Sciences (SPSS) IBM version 23 was used to analyze the data obtained from the field of study.\u0000Results: The findings from this study revealed a positive significant impact of recycling on resource conservation, while the second finding showed a negative impact of waste incineration on employee health and safety.\u0000Limitations: Waste includes solid, liquid, and gas components. However, prior studies have focused on other forms of waste and industrial goods manufacturing firms, specifically solid waste, as the interest area covered only food and beverage manufacturing firms.\u0000Contribution: This study addresses one of the major issues related to global warming that occurs as a result of waste dumping and excessive burning. This study has helped curb these challenges by recycling waste and conserving untapped resources for sustainable performance and the healthy coexistence of humans","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"15 6","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141022940","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}
S. Akber, Meherun Nesa Mahjabeen, Oporbo Hossain Jumman
{"title":"First and second-generation commercial banks in Bangladesh: A comparative financial analysis","authors":"S. Akber, Meherun Nesa Mahjabeen, Oporbo Hossain Jumman","doi":"10.35912/amor.v5i4.1868","DOIUrl":"https://doi.org/10.35912/amor.v5i4.1868","url":null,"abstract":"Purpose: This study assesses the overall performance of commercial banks in Bangladesh by classifying them into first- and second-generation groups.\u0000Research Methodology: The investigation encompassed secondary data from 2016 to 2020, along with a meticulous examination of the ratios of ten banks during that timeframe. Standard software such as the Microsoft Office package was utilized for conducting horizontal, vertical, and rational analyses. Return on assets (ROA), return on equity (ROE), and net profit margins are the primary metrics used to assess overall performance.\u0000Results: Research indicates that the first generation excels in certain instances, while the second generation performs at its peak capacity in other cases. Therefore, a comprehensive outcome exists.\u0000Implications: These indicators offer a concise and influential message to all stakeholders that may shape their decision-making process.\u0000Limitations: It may be beneficial to consider a longer timeframe and gather insights from interviews with industry professionals for subsequent studies. Other factors to consider include customer insights, industry conditions, the nation's economy, monetary policy, and the global trade situation.\u0000Novelty: This study focuses on the influence of employee retention on organizational performance in a service-oriented government institution.","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"10 3","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141020880","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 systematic and unsystematic determinants on loan (financing) to deposit ratio in Indonesian banking","authors":"M. I. Irfany, Muhammad Fikra Yafi Ulhaqqi","doi":"10.35912/amor.v5i1.1657","DOIUrl":"https://doi.org/10.35912/amor.v5i1.1657","url":null,"abstract":"Purpose: This study compares the determinants of liquidity of Islamic Banks (IBs) and Conventional Banks (CBs) based on the loan-to-deposit ratio (LDR) and financing-to-deposit ratio (FDR) between 2016 and 2020.\u0000Research Methodology: The data analysis technique used was panel data regression.\u0000Results: The results show Economic growth has a positive effect on banking liquidity risk, while non-performing loans (financing) have a negative effect on banking liquidity risk.\u0000Limitations: The frame time in this research was 2016-2020 which, before Bank Syariah Mandiri, Bank Rakyat Indonesia (BRI) Syariah, and Bank Negara Indonesia (BNI) Syariah merged into Bank Syariah Indonesia.\u0000Contribution: This study can be used as a reference for preparing or perfecting regulations that can be bolder in expanding credit (financing). Commercial banks are expected to be able to manage liquidity so that the liquidity ratio is not less than or exceeds the tolerance limit, especially for CBs, and are used as evaluation material for the performance of IBs, especially CBs.\u0000Novelty: Several previous studies conducted separate analyses of the determinants of LDR and FDR in one type of commercial bank and showed contradictory results. This research did not conduct separate analyses in one type of bank but combined the determinants so that they could cause liquidity risk by measuring LDR on BUK and FDR on BUS to discuss these conflicting findings.","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"2 3","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138944116","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}
Moutusi Tanha, Maliha Ahmed Siddique, Md. Monirul Islam Sumon, Md. Nurulhoque, Rawshan Sazin, Peas Hossain
{"title":"Cash Recycling Machine (CRM) & its impact on customer satisfaction: A study on UCB PLC","authors":"Moutusi Tanha, Maliha Ahmed Siddique, Md. Monirul Islam Sumon, Md. Nurulhoque, Rawshan Sazin, Peas Hossain","doi":"10.35912/amor.v5i2.1753","DOIUrl":"https://doi.org/10.35912/amor.v5i2.1753","url":null,"abstract":"Purpose: The primary purpose of this research is to explore Cash Recycling Machine (CRM) systems and determine customer satisfaction after using CRM services.\u0000Research Methodology: To collect data for this research, a questionnaire was created and a survey was conducted to assess user contentment with the Cash Recycling Machine (CRM) of the United Commercial Bank (UCB) PLC. During the investigation of the Cash Recycling Machine (CRM) system, a secondary data source was utilized.\u0000Results: An analysis indicates that Almost 97% of respondents regularly utilized CRM services while continuing to depend on conventional banking methods. Nevertheless, a significant proportion of participants (over 20%) frequently employed CRM systems. Specifically, 47% utilize these systems four to seven times each month. This study demonstrates that banks are implementing novel services to entice a larger clientele, while consumers are allowed to utilize the banks' fundamental services, such as making deposits and withdrawals.\u0000Limitations: Banks are restricted from accessing crucial information owing to data privacy concerns. Furthermore, the use of secondary data may not adequately reflect the perspective of UCB PLC, owing to scalability issues. Ultimately, the limited sample size is a result of clients' strong unwillingness to allocate time for research.\u0000Contribution: This study and its implications can be used for additional research in emerging economies to comprehensively examine the adoption of new technologies in the banking industry.\u0000Novelty: The core reaction of consumers to an emerging technology for rapid economic growth.","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"76 22","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138945313","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 impact of training and development facilities on job commitment among entry-level employees: Bangladeshi RMG perspectives","authors":"Most. Tahura Pervin, F. Zohora","doi":"10.35912/amor.v5i1.1704","DOIUrl":"https://doi.org/10.35912/amor.v5i1.1704","url":null,"abstract":"Purpose: The study intended to ascertain whether providing training and development facilities positively impacted the job commitment of entry-level garment employees in Bangladesh.\u0000Research Methodology: The response rate for the survey was 44.89%, derived from a sample size of 450 data points obtained by a basic random sampling technique. The study employed Microsoft Excel 2007, SPSS 22.0, and AMOS 23.0 to conduct exploratory and confirmatory factor analysis and structural equation modeling to assess the strength and reliability of the suggested research framework.\u0000Results: The study revealed a significant enhancement in the level of commitment among lower-level employees in the Bangladeshi garment industry when provided with training and development potential.\u0000Limitations: One primary constraint encountered in this study pertained to issues associated with data collection. The target demographic consists exclusively of individuals with lower levels of educational attainment. Allocating funds for research in finance remained a significant area of focus. As a result of these limitations, the survey was unable to gather nationwide data.\u0000Contribution: This study is distinctive as it focuses on individuals occupying lower-level positions within the Bangladeshi garment sector, exploring the potential avenues for professional advancement.\u0000Practical Implication: The study may benefit Bangladeshi garment firms' HR strategy and training and development plans. Environmental and internal variables can stress workers. Professional progress and quality training will help dedicated workers overcome these challenges.\u0000Novelty: The study is unique in two perspectives: the bottom-level employees and the emerging economy like Bangladesh.","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"64 12","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138954548","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 impact of Covid-19 on the behavior of actors and the regulation of the Moroccan stock market","authors":"Hadbaa Hnaka, Fatima Ezzahra Ouassou, Lamyaa Riad","doi":"10.35912/amor.v5i1.1710","DOIUrl":"https://doi.org/10.35912/amor.v5i1.1710","url":null,"abstract":"Purpose: This study examines the impact of the COVID-19 health crisis on the behavior of actors and legislation on the Moroccan stock market.\u0000Research Methodology: This study uses the collection and exploitation of data from key institutional reports and legal data limited to certain laws and regulations (excluding relevant case law and doctrine) attesting to the orientations of capital market authorities following the declaration of a state of health emergency.\u0000Results: The analysis revealed that the measures taken by the government, central bank, and AMMC helped curb the capital market and provide investors with the tools they need to strengthen the resilience of Morocco's capital market.\u0000Limitations: The first concerns the difficulty of analyzing the long-term effects of a health crisis. The second limitation concerns the existing models, theories, and methodological limitations.\u0000Contribution: This documentary study synthesizes the psychic reactions and behaviors of Moroccan stock exchange market actors in times of crisis. In addition, it enables researchers to better understand the legal interventions taken to regulate and redirect behaviors influenced by the pandemic in the Moroccan capital market.","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"109 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138959123","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}
Euphemia Ifunanya Mbamalu, N. Chike, Chimezie Alex Oguanobi, C. Egbunike
{"title":"Sustainable supply chain management and organisational performance: Perception of academics and practitioners","authors":"Euphemia Ifunanya Mbamalu, N. Chike, Chimezie Alex Oguanobi, C. Egbunike","doi":"10.35912/amor.v5i1.1758","DOIUrl":"https://doi.org/10.35912/amor.v5i1.1758","url":null,"abstract":"Purpose: The primary objective of this study is to examine the nexus of sustainable supply chain management and organisational performance perceptions of academics and practitioners in Awka, Anambra State, Nigeria.\u0000Research Methodology: Data were collected using questionnaires from 122 respondents in the Awka region. The data were analysed using descriptive, correlation and regression analysis for the test of hypotheses.\u0000Results: The linear regression showed that DC components of collaboration and resilience are positively related to OP; with the latter non-significant.\u0000Limitations: This study was limited by its sample size of 122 academics and practitioners and restrictions on the SSCM and OP nexus. The sample may have affected the generalizability of our results. The study does not address the other dimensions of TBL such as organisational social and environmental concerns.\u0000Contribution: The analytical results of the research contribute to the body of knowledge, enabling practitioners to organise and implement sustainable supply chain efforts as well as monitor and evaluate how these initiatives impact the operations of Nigerian enterprises in the long run.","PeriodicalId":491922,"journal":{"name":"Annals of Management and Organization Research","volume":"177 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138984938","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}