Source: https://www.texilajournal.com/management/edition/78-volume4-issue2
Timestamp: 2019-04-20 16:42:50+00:00

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The introduction of new technologies has changed the way services are rendered by majority of organizations. Mensah, (2012) defines electronic banking as the provision of new and conventional banking products and services specifically to clients through electronic correspondence channels, usually using the internet. Parameswaran, (2012) defines electronic banking as the provision of financial services for the individual clients through the internet. (Parameswaran, 2012) further explains that electronic banking also involves the transfers of funds through an exchange of electronic signals between financial institutions rather than using cheques or other documentation.
The purpose of this study is to identify factors affecting the acceptance of technology in the Ghanaian Banking Industry.
The methodology used in this study is questionnaire, survey and information from Eco bank’s website.
The results of the studies showed that Eco bank is able to use its websites to advertise, provide information to their clients, sell products and reach new customers. Technological tools have also helped employees get task done more quickly and efficiently. This then translates into high profitability of Eco bank and hence high employee remuneration. Technology acceptance has made it simple to set up banking facilities in rural areas. Also through technology acceptance, the customers of Eco bank and the general public are able to access a branch for a variety of services through the convenience of home banking.
Electronic financial services either by Internet or via mobile phone or other means of remote transmission or through smart cards has rapid expansion and has changed the nature of financial services around the world strongly.
Keywords: modern business, information technology, economy, innovations, mobile banking and social influence.
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Remote working is becoming a growing trend within all technological & organizational business. However, in Export Management, its growing trend has voiced concerns over the containment of remote working and the determined impact it has on business. Communication continues to involve in Export Management especially, with the explosion of technology has meant that flexible working legislations have been introduced. However, there are managerial personnel who adhere to remote working without determining the effect it has on export performance. There are number of factors that have not been addressed and this article looks to highlight & investigate the impact remote working has on export management, how it can be managed and the influence it has on effectiveness, productivity and sales in export organizations, not to mention from an employee personnel point of view, identifying the positive role remote working may have on employee personnel and whether it develops a positive working environment and determine the attitude towards personnel within Export Management organizations. Because many of these antecedents can be controlled managerially, these findings suggest important ways in which a remote employee's work performance can be enhanced, through the intermediary effect of improved remote work self‐efficacy. The research will be tested with self-efficacy theory and critical research & historical evidence to investigate the global impact remote-working employees have, a type of psychology model that determines the adoptions of positive psychology. The current study also provides a basis for future research in the remote work area through its development and testing of a remote management framework.
Keywords: Self-efficacy, Remote, Communications, Performance, Global, Productivity.
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This study is an attempt to evaluate the logistics and supply chain processes involved in providing humanitarian aid commodities for Internally Displaced Persons (IDPs) in Jos Plateau State, Central and Maiduguri Borno State, North Eastern Nigeria.
The study was carried out in two IDP camps, one located in each of these two towns – Jos and Maiduguri, with the method of survey questionnaire which was administered to 60 respondents randomly selected from 200 state and non-state actors involved in the supplying of aid commodities to both camps at the time of this study.
The findings uncover gaps between research and practice; providing new insights into human behaviour in the humanitarian aid commodity logistics and supply chain management. Explanations for these barriers and possible solutions to mitigate them are disclosed in the course of this study.
The summary of the findings from the study are: Initial IDP needs assessments are not done, no clearly outlined national disaster management plans, the capacities of the state and non-actors inadequate and Logistics Service Providers generally ill equipped.
It is in the opinion of this researcher that in order to ensure a very effective and efficient response to the needs of Internally Displaced Persons in Jos Central and Maiduguri North Eastern Nigeria the state and non-state actors must address the gaps identified in this research.
Keywords: Camps, Conflict, Disaster, Displacement, Host Community, Humanitarian Logistics, Humanitarian Aid Commodities, Humanitarian Aid Worker, Internally Displaced Persons, Kampala Convention, Logistics Service Providers, State and non-state Actors and Supply Chain Management.
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Over the years, the evolution of and use of mobile phones and other mobile devices such as tablets has offered society the opportunity to access financial services such as mobile money.
Mobile money allows one to transfer money or make payments with their mobile phone, in the comfort of their location and in a simple, fast, convenient and affordable way.
This research sought to determine the effect of the evolution of mobile money services on traditional banking in Ghana.
The article showed that mobile money is a viable tool for financial inclusion, it has improved efficiency of transactions, it has initiated some changes in traditional banking and has a generally positive impact on traditional banking in Ghana.
Keywords: Mobile Phone, Mobile Money Transfer, Financial Inclusion, Mobile Money Subscribers, Ghanaian Economy, Threats, Business Activity, Payment Systems.
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The paper investigates the prevalence of market orientation in insurance industry in Malawi. It is a well-known fact that market orientation improves business performance because all the right actions relating to the market and consumers are well thought through. This being a behaviour construct requires the top leadership to be fully involved and walk the talk in leading the organization to drive the marketing agenda.
The study aimed to find out the status of the insurance companies on market orientation while at the same time checking the influence of top leadership in the implementation of the marketing concept, a prerequisite for market orientation.
MARKOR scale for assessing market orientation was used bearing in mind that some of its constructs review the cultural angle thereby revealing employee behaviour towards their drive to live and or implement the marketing concept. Survey was conducted in one insurance company under the case study research methodology using simple random sampling. Primary data collection was complemented with qualitative in-depth interviews at the same company. Analysis was done using SPSS tool version 20.
The findings reveal that insurance companies in Malawi are market oriented. In addition, top leadership has strong influence on market orientation. Some shortfalls were identified for companies to work on to correct these shortfalls in order to achieve high-level market orientation.
Keywords: market orientation, insurance marketing, marketing concept, top leadership and market orientation, influence of top leadership, insurance sector in Malawi.
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To date, much of the work on human security has focused on threats emerging from war and conflict. Disasters have largely been overlooked, despite being now identified by the international community as a major threat to human security. They cause many of the same problems as conflict - such as large scale destruction and extensive displacement and contribute to Human Rights violations and heightened vulnerability, especially of the most marginalized groups and individuals.
Haiti is one of the most vulnerable countries to disasters in the world and the North Department is one of the most disaster prone areas in Haiti. In such a highly disaster prone country, preparedness and risk reduction are critical components of human security.
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Natural disasters are catastrophes that are beyond the control of humans. However, the effects of natural disasters can be reduced through rapid response and effective post-disaster management strategies. This study examines the barriers to effective disaster relief operations in Ghana and propose strategies for ensuring efficient response in disaster relief operations. Questionnaires were used to obtain data from officials of ten major disaster relief organizations in Ghana. The study revealed a number of constraints affecting disaster relief operations in Ghana. Key among these are lack effective planning, lack of logistics, people’s behavior and perception and lack of coordination and corporation. Strategies for efficient disaster relief operations should include appropriate in-country training and education to personnel, proper coordination among stakeholders and improvement in logistical suppliers through increased funding for disaster relief organizations.
Keywords: Natural Disasters and Catastrophes, Rapid Response, Disaster Relief Operations and Relief Organizations.
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The research is aimed at investigating the pattern and extent of relationship among factors that stimulate consumer patronage of shopping malls in metropolitan Lagos. The Study utilizes survey method with questionnaire and interview as the two instruments used in data collection. Analysis is done largely using descriptive statistics. Also a four point Likert scale is used to measure the variables which form the basis for the use of regression model as the sole tool used in hypothesis testing. Based on the survey of urban shoppers, the study analyses the cognitive attributes of the shoppers towards attractiveness of shopping malls and intensity of the shoppers. The results of the study revealed that ambience of shopping malls, assortment of stores; sales promotions and comparative economic gains in the malls attract higher customer traffic to the malls. The analysis also revealed that class difference of consumers play an important role in choosing shopping malls. In other words, the research reveals a significant relationship between shopping malls sales growth and middle and upper class patronage. The study recommends that Mall Managers should therefore develop appropriate tenancy policies for retaining firms in reference to the socio-demographic factors of customers to satisfy different segments. An appropriate mix of anchor tenants who have different target groups would better attract customers to shopping malls and such assortment of stores could co-exist in a shopping mall successfully without conflict of interest. Shopping mall managers should focus attention on providing information about retailer’s offers beforehand for the customers to make their purchase decision prior to mall visit. There is the need for shopping mall managements to increase social and recreational facilities which acts as driving factors in augmenting the customer’s traffic to the shopping malls. Also, there is the need for government to monitor the sitting of shopping malls in order to ensure adequate space and avoid congestion which is the major feature of traditional markets.
Keywords: Correlate, Consumer, Patronage, Shopping, Mall, Product.
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Achieving the goal and objectives of projects implemented remains the desire of project decision makers in the Gushegu district. The Gushegu district assembly in collaboration with the development partners have implemented water and sanitation projects in most of the communities in the district. However, many of these projects have not achieved their desired objective of ensuring availability of water and good sanitation due to varied challenges. There are many people especially in the rural areas in the district who still do not have access to drinking water all year-round while others are still living in very poor environment condition after decades of interventions in the area of water and sanitation.
This research sort to uncover the main challenges of the implementation of these important projects aimed at leveraging the people from poverty and disease in the Gushegu district of the northern region of Ghana.
The study found that inadequate commitment level of project staffs, lack of involvement of the project beneficiaries in planning and decision-making process and some cultural beliefs system of the people of Gushegu challenges the successes of the water and sanitation project implementations. Also, inadequate financial resources on the part of the Gushegu district assembly and unpredictable funds flow from the development partners as well weak monitoring of the planned implementation challenged the successes of the water and sanitation projects in the districts.
Therefore, the Gushegu district assembly, the development partner in the water and sanitation area, the community members who are the direct beneficiaries needs to work towards behaviour change and re-examine the institutional partnership to succeed in these projects.
Keywords: Sanitation, implementation, water challenges.
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Human resource management in healthcare system play indispensable roles as it enable effective healthcare service delivery through staff performance monitoring and evaluation, compensation as well as recruitment of competent employee. This study reviewed the impact of practicing human resources management on the quality of healthcare service in proffering efficient treatment to patients. The study shows that effective human resources management great impact in efficient healthcare services and can significantly improve the performance of healthcare workers. The study recommends the necessity to measure the routine of the Head of human resources department in healthcare sectors before stabilizing performance development process as well as continuous improvement in staff capacity building for effective service delivery while more research should be done on this subject as it relates to patients’ safety.
Keywords: Human resource management, health care services, Nigeria.
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Electronic banking basically refers to performing banking functions or transactions using a smart technologically inclined device or the internet.
Information Technology has recently influenced banking operations, transactions and service delivery. It has provided a channel through which banking is done in convenience, thereby, reducing customer queues in banking halls, administrative expenses and the complexities associated with traditional banking.
However, the disadvantages of electronic banking are quite significant. They include unauthorized data access, data loss and fraudulent activities.
Using the internet, banks display all relevant information regarding their products on their website which is easily accessible to customers. Through modern technology, branches are networked using terrestrial or satellite links such that customers can visit any branch of their bank to transact business and transfer funds both locally and internationally.
This paper discusses e-banking, various definitions, examples, advantages and limitations, electronic banking in Ghana and its impact on the profitability of banks in the Ghanaian banking industry.
From the study, e-banking adoption was a business strategy the bank used in response to customer needs and the changing marketing trends in the banking industry.
Obviously, tremendous benefits such as revenue generation, improved productivity, efficient service delivery and cost savings accrue from e-banking. The lack of a solid technology infrastructure was identified as a major challenge of e-banking adoption in the country.
Keywords: Electronic Banking, Efficient Service Delivery, Modern Banking, Convenient Banking, Customer Satisfaction, Banking Services.
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The core goal and expectation of student at any given learning environment is to achieve the required level of academic performance. This is also true for both educators and parents/guardians. However, sometime this ambition comes in contrary to their former expectation due to different factors that affects students’ performance. Among the long list of factors for poor academic performance, social economic factor is reported to highly contribute. This factor is reported responsible for majority of students’ failure to pay their school fees in time.
The major source (90%) of income for Private and Faith Based training institutions is from school fees. Often, there has been delay or failure in payment of school fee among students. The payment failure rate among many institutions is <50%; thus resulted to inconveniences on students study patterns. In the recent years, there has been an increased rate (11%) of academic failure among students in their tests, semester and final examinations. Institutional management and academicians have been putting great efforts to uplift level of students’ academic performance. Despite all these efforts, students’ academic performances are still not satisfactory. This article is particularly going to discuss the components of student’s economic backgrounds in relation with academic performance. The article looks on how the element of in time failure payment of school fee affects performance of the students. From this discussion, a constructive suggestion would be delivered accordingly to the respective stakeholders as a contributive solution to the problem under discussion.
Keywords: Poor Socio-economic Background, in time failure payment of fee and Poor Academic Performance.
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Microfinance emerged as a noble substitute for informal credit and an effective and powerful instrument for poverty reduction among people, the objective of this study is to estimate the effects of micro credit on the development of SMEs in Ghana. A total of 171 respondents were selected by using random sampling technique were administered to MFI and SMEs at Ho in the Volta Region, for them to indicate their views on micro credit in the area and how to improve it. A structured schedule of questions was prepared for this purpose. The research instruments used in the study were questionnaires and interviews. Simple statistical techniques such as descriptive statistics including tables were used in analyzing and summarizing the data. It was noted that access to financial institutions products and services is a crucial element for the development of SMEs. Thus their sustainable growth will largely depend on the capacity of financial institutions to mobilize resources from low valued to high valued and invest in SMEs activities. However, inadequate collateral, difficulty of processes, fear of inability to repay, and high borrowing cost were frequently mentioned reasons by SMEs for inaccessibility of banks products and services. Finally, The National Board for Small Scale Industries (NBSSI) and other SMEs funding and promotion agencies should incorporate SMEs coping strategies into their policies, programs and orientate them to replicate these strategies for others to enable SMEs have flow of resources (inputs) for production.
Keywords: Informal Credit, Economic Development, Income Generation, Industrialization, Economic Growth, Micro-Credit, Global Financial Systems, Alleviate Poverty.
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The paper investigates how stock price react to dividends announcement the Ghana Stock Exchange (GSE) from 2015 - 2017. It focused on examining the reaction of share prices to dividend announcement using a sample of six banks (financial institution enlisted on the GSE from 2015 – June 2017. The methodology and the market model are used in estimating the abnormal and the cumulative abnormal return for -10 days before and +10 days after the announcement date.
The overall findings of the study showed that share prices react to dividend announcement though not instantly. It is observed that the average abnormal returns and the cumulative average abnormal returns for all the days before, on and after the day of dividend announcement are statistically significant and positive. It is expected that this study would help most investors to know the level of efficiency on the Ghana Stock Exchange. It suggests that in addition to the recent electronic trading development on the GSE, there is the need to further improve the quality, quantity and reliability of information on listed firms disclosed to the public.
Keywords: Dividend, Dividend Announcement, Efficient Market Hypothesis, Market Efficiency, Stock Prices, Stock Returns.
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The study was conducted to assess the marketing orientation for Malawian companies. Business performance is linked to market orientation hence it is important for companies to display the behaviour that is in keeping with this phenomenon. Malawi being a least developed country has its industry sector contribution key to its economic growth. Such industry need to contribute positively to help push the economic growth of the country.
Marketing orientation has proved to be important in driving such business growth through the implementation of the marketing concept. The aims for this study was to find out if companies in Malawi are market oriented. The gap that existed on the Malawi market was that no such research has been done in Malawi before and this study aimed to bridge that gap and help companies realize the importance of being market oriented.
The objectives of the study included as assessment of the market orientation of companies in Malawi, Resourcing of the marketing department tasked with the implementation of the marking concept and if the marketing concept is fully implemented in the companies in Malawi. The final objective was to check if MKTOR and MARKOR scales used for assessing market orientation give similar conclusion on market orientation.
The study was a case study in nature and used mixed research methods where both quantitative and qualitative data collections methods were applied. Survey instrument questionnaires were administered to two companies that participated in the study. This was followed by qualitative in-depth face-to-face interview where more observation on the market orientation constructs, proof of processes and behaviours were ascertained as part of action research necessary in case study methodology.
The research used simple random sampling in both companies to select respondents who participated in the study, which mainly looked for employees in supervisory and management level in order to make sure they would articulate and understand the study constructs under investigated. Analysis used SPSS version 20 where frequencies, means and equality of means analysis for construct comparison between two scales.
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· Medical staff’s (doctor, nurse, technician and pharmacist) attitude and treatment result.
· Standard of procedures and information approach to patient.
· Clean, Facility, cost treatment and equipment support.
· Simple and waiting time.
Keywords: Patient satisfaction, outpatient, Orthopedic, O&G, Gastroenteritis, Internal Medicine, Quality.
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Background: In order to improve the health status of its population and to find practical solutions to the main challenges of the health system, the Government of Cameroon has been implementing the Performance Based Financing approach (PBF) since 2011.
Following the pilot phase from 2011 to 2014, the project produced encouraging results as seen in the use of health facilities by the population, quality improvement and governance in health facilities. The project also enabled the actors involved to learn lessons during its implementation.
Methods: This paper is based on first hand observation carried out by the researcher alongside the ground implementers of the PBF system in the health sector (CDVA South West Region). The group developed some criteria to stimulate improvement in health care, by ensuring payment for greater performance. The group also developed main criteria to measure the improvement in performance which can be translated in monetary terms, coaching was regularly carried out to provide solutions to problems. These activities were carried out between 2011 and 2014 in four health districts of the South West Region of Cameroon.
Results: The paper starts with a discussion, to clarify the core concept of PBF and how the different terms are used. It then develops a framework of on the development of implementation, evaluation, monitoring, coaching and the final results.
Conclusion: The paper brings out a picture of the importance of the PBF system of health financing in the South West Region of Cameroon, showing the pictures of change and the changes in the quality and quantity of health care delivery by health facilities.
Keywords: Performance Based Financing, Monitoring and Evaluation.
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