International Journal of Management and Business Studies

International Journal of Management and Business Studies ISSN 2167-0439 Vol. 14 (5), pp. 001-007, May, 2025. Available online at www.internationalscholarsjournals.org © International Scholars Journals

Full Length Research Paper

The Role of Electronic Banking in Driving Financial Inclusion in Developing Countries: A Case Study of Pakistan

Rabia Najaf1    and Khakan Najaf1

1Rehman Pura St#03 Hose no p23-a Punjab

Accepted 22 October, 2022

The primary goal of this research is to determine the significance of e-banking in Pakistan. In the banking industry, electronic banking is an important sector. E-banking has brought about a huge change in the Pakistani banking system. Because of its low cost and time savings, electronic banking has a wide reach in developing and underdeveloped countries. E-banking is an internal system that allows the customers to stay in touch with their accounts by using a mobile device, etc. The aim of this study is to focus on the impact of electronic banking in Pakistan. In this era, the life of every person is affected by this technology. Around the world, e-banking is getting popular. There are many countries that are utilizing this technology, like Pakistan. In this study, we focus on the performance of electronic banking. Almost 70% of banks have shifted to internet banking from non-internet banking. The core function of this transfer is its low cost. This paper discusses ICICI, the world's most famous internet bank, and the progress of E banking over the last 20 years. Banks in Pakistan are controlled by the State Bank of Pakistan. It is one of the oldest banks in Pakistan, which was formerly named the Reserve Bank of India before 1947. E-banking is a key driver for changing the world at a staggering rate. It is said to be a truly global phenomenon that has made truncations very easy. In this study, three angles are discussed. 1) Impact of strategic activity 2) impact of strategic activity 3) discuss the influence of perceived risk in information technology. E-banking is the latest technology in this area.

Keywords: Pakistan, E banking, era, ICICI, state bank.
 

International Journal of Management and Business Studies ISSN 2167-0439 Vol. 14 (5), pp. 001-009, May, 2025. Available online at www.internationalscholarsjournals.org © International Scholars Journals

Full Length Research Paper

Rethinking Nigerian Taxation: Establishing Benchmarks for Fiscal Effectiveness and Equity

Adedokun Y1, Ajayi JK2* and Oyesiji YK3

⦁    Department of Accountancy the Polytechnic Ibadan, Saki Campus,
⦁    Department of Public Administration and LGS the Polytechnic Ibadan, Saki Campus
3Department of Banking and Finance the Polytechnic Ibadan, Saki Campus

Accepted 27 November, 2024

Tax is one of the oldest and commonest sources of revenue to government all over the world. Taxation is however not only a source of revenue but also represents a potent instrument of public policy which serves a diverse role in the modern society. The basic types and nature of taxes levied in the course of history have been profoundly affected in character and scope by the nature of the political, economic and social changes, which every society experienced. In a nutshell, the tax system operating in a country is the product of the commutative effect of the political and economic history of that country. In Nigeria, the first twenty years after independence witnessed respectable growth record in social, political and economic activities. Accompanying this economic growth rate was the problem of social inequality, external dependence, mass poverty and rural impoverishment due to many reasons of internal managerial and administration contradictions and further fuelled by external shocks. These socio-economic and political features have since had varying impacts on the pattern of nation’s development. They have also had an effect on the various sources of revenue which the various tiers of government in Nigeria depend upon. It has long been evident that tax in Nigeria has remained the most unsatisfactory, disappointing and problematic concept in spite of the fact that tax reform has of recent been a key element in economic reform which the country had undergone. It is therefore felt that taxation in Nigeria requires radical handling to ensure that a large chunk of the taxable population does not escape tax which will enhance development and growth of the economy. An effective tax system ought to satisfy the twin purpose of raising maximum revenue and at the same time encourage production. And if well structured and managed will elicit a feeling of common purpose, joint responsibility or obligation amongst the taxable persons in a country. This paper therefore examines the hydra-headed problems of tax collection and administration in our tax system. It also highlights the reasons for tax avoidance and proffer advancing criteria for good tax system in Nigeria.

Keywords: Taxation, Advancing Criteria Tax System, Revenue
 

International Journal of Management and Business Studies ISSN 2167-0439 Vol. 14 (5), pp. 001-006, May, 2025. Available online at www.internationalscholarsjournals.org © International Scholars Journals

Full Length Research Paper
    
Evaluating Cooperative Membership Dynamics in Seed Production and Marketing: A Case Study from Amhara, Ethiopia

Minilek Kefale* Tadesse Deselagne, Ahmed Yimam, Dawit Tsegaye

Bahir Dar University, P.O. Box 79, Bahir Dar, Ethiopia Integrates Seed Sector Development Programme.

Accepted 03 October, 2024

The seed producer and marketing cooperatives play a great role in addressing the problem of food insecurity by provision of basic seed to the farmers which are high yielding and marketable varieties. The objectives of the study were to assess the extent and status of members’ participation in seed producer and marketing cooperatives. The total members in those cooperatives were 248, from this, 42 were selected systematically by random sampling. The extent and status of member’s participation in seed producer and marketing cooperatives have measured by calculating the score value of the participation index. The extent of members participation is high in activities like participation in different meetings, selling and buying produce, purchasing agricultural inputs from the cooperative, participating in general assembly and in experience sharing’s, but it is weak in dividend or sharing profits, training, leadership and participation in buying additional shares to reduce capital deficiency of the cooperative. The participation status of members has been categorized into low, medium and high, but all fallen under the category of low. Therefore partners who were involved in cooperative promotion and development should focus on the interest of the members, when organizing cooperatives. Organizers at all level should be skilful to assist on knowledge based. Provide training, keeping autonomous, development of entrepreneurship skill and advices are some of the important conditions suggested to increase members’ participation in rural cooperatives.

Keywords: participation, seed, cooperative, marketing
 

International Journal of Management and Business Studies ISSN 2167-0439 Vol. 14 (4), pp. 001-008, April, 2025. Available online at www.internationalscholarsjournals.org © International Scholars Journals

Full Length Research Paper

Foreign Exchange Regimes and Their Role in Shaping Nigeria's Industrial Growth Trajectory

Owolabi A. Usman and Adegbite Tajudeen Adejare

Department of Management And Accounting, Ladoke  Akintola University of Technology, Ogbomoso.

Accepted 02 November, 2024

The study empirically examines the Effect of Foreign Exchange Regimes on Industrial Growth in Nigeria, in line with the objectives of this study, secondary data were obtained from Central Bank of Nigeria Statistical Bulletin covering the period of 1985 to 2005.In concluding the analysis, multiple regressions were employed to analyze data on such variables as Gross Domestic Product, World Price Index, Per Capita Income, and Net Export. Exchange rate (broadly define, narrowly define and quasi money) were all found to have significant effects on the Economics Growth with the Adjusted R2 of 69%. Following the outcome of this study, it is therefore concluded that the effect of using Foreign exchange, World Price Index, Per Capita Income, and Net Export as an inducement for greater performance for stable economic growth and are capable of giving stability in prices for manufactured goods.

Keywords: Foreign Exchange; Real Growth; Nigeria Economy.
 

International Journal of Management and Business Studies ISSN 2167-0439 Vol. 14 (4), pp. 001-021, April, 2025. Available online at www.internationalscholarsjournals.org © International Scholars Journals

Full Length Research Paper

Stress Management through Work-Life Balance: A Study of Banking Institutions in Ghana

Felicity Asiedu-Appiah, Irene Dufie-Marfo and Evelyn Frempong

Kwame Nkrumah Universityof Science And Technology Telephone Number: 00233-243 956 852,

Accepted 24 September, 2024

In Ghana, there is a growing concern of occupational stress, especially in the private sector, where some organizations saddle their employees with long working hours without consideration to other aspects of their lives. This study therefore sought to investigate into the policy and practice of work-life balance in selected banking institutions in Ghana and how these practices are able to help in managing the stress levels of employees. The study used quantitative method for collecting primary data, which were analysed using descriptive statistics. Findings from the study revealed that even though work-life balance is practiced in the selected banking institutions, some of the practices that connote an effective work-life balance culture are non-existent. It was also discovered that respondents held an almost polarized view of the effectiveness of work-life balance in managing their stress levels. Majority of respondents also agreed that work-life balance is effective in enhancing their performance at work and finally, female respondents demonstrated a greater need for work-life balance than their male counterparts. It is recommended that a review of existing work-life balance policies in the banking institutions are undertaken to ensure that policies regarding the concept are consistent with employees’ actual experience. This can be achieved by making sure that employees across different levels of the organization have easy access to the use of work-life balance initiatives without suffering any adverse career consequences.

Keywords: Work-life balance, Stress, Stress Management and Banking Institutions
 

International Journal of Management and Business Studies ISSN 2167-0439 Vol. 14 (4), pp. 001-011, April, 2025. Available online at www.internationalscholarsjournals.org © International Scholars Journals

Full Length Research Paper

Predicting Behavioral Intentions: An Examination of Influential Factors and a Proposed Framework 

Seyed Alireza Mosavi1 and Mahnoosh Ghaedi2

1Department of Business Administration, Firoozabad Branch, Islamic Azad University,Firoozabad, Iran
[email protected]
2Firoozabad Branch, Islamic Azad University, Firoozabad, Iran.

Accepted 06 November, 2024

The purpose of this paper is to construct a new model for factors that affect consumer behavioral intentions in a shopping center context in Shiraz (Iran). Data were gathered at three large shopping centers in Shiraz (Refah, Fajr and Zeitoon shopping centers). The data were collected over a two-week period in these shopping centers. From the 647 returned questionnaires, 592 usable responses were analyzed. The measures were subjected to confirmatory factor analysis to examine the reliability and validity of the hypothesized model. The results revealed that: customer satisfaction most influenced by perceived value; customer satisfaction positively influenced positive attitude, trust and adjusted expectations; trust and adjusted expectations positively affected positive attitude. Finally the findings indicate that behavioral intentions most influenced by positive attitude.

Keywords: Perceived value, Customer satisfaction, Trust, Adjusted Expectations, Positive attitude, Behavioral intentions.