Asian Journal of Economics Business and Accounting,
Год журнала:
2024,
Номер
24(12), С. 277 - 287
Опубликована: Дек. 17, 2024
This
study
examined
credit
management
and
performance
of
selected
Deposit
Money
Banks
in
Nigeria.
The
time
series
data
was
sourced
from
the
audited
financial
statements
banks.
Non-performing
Loans
(NPLs),
Loan-to-Deposit
Ratio
(LDR),
Liquidity
(LQR),
Capital
Adequacy
(CAR)
were
used
as
a
proxy
management.
In
contrast,
return
on
equity
(ROE)
to
measure
performance.
stationarity
tested
using
LLC,
IPS,
ADF
PP
tests.
Using
panel
regression
fixed
effects
random
techniques,
found
that
had
positive
significant
effect
MDB
MDBs
under
reviewed
period.
From
indicators,
liquidity
ratio
(LQR)
have
but
insignificant
ROE.
findings
also
revealed
NPL
has
further
capital
adequacy
negatively
significantly
affected
Loan
deposit
(LDR)
negative
recommended,
among
other
things,
maintain
stable
meet
obligations,
banks
should
endeavor
operate
within
CBN
policy
minimum
requirement
at
30%,
which
can
be
achieved
by
shortening
asset
maturity,
lengthening
liability
maturities,
possibly
issuing
more
equity.
this
indicate
effective
policies
are
essential
for
improving
DMBs
Policymakers
focus
enforcing
regulations
ensure
withstand
risks
without
compromising
profitability.
Also,
maintaining
non-performing
loans
regulatory
thresholds
is
crucial
sustaining
quality
stability
banking
sector.
International Journal of Management & Entrepreneurship Research,
Год журнала:
2024,
Номер
6(8), С. 2463 - 2475
Опубликована: Авг. 3, 2024
This
review
paper
examines
the
relationship
between
sustainable
business
practices
and
brand
loyalty,
focusing
on
their
implications
for
modern
businesses.
Sustainable
encompass
environmental,
social,
economic
dimensions
influencing
consumer
perceptions,
trust,
loyalty.
The
literature
explores
how
sustainability
enhances
customer
retention,
builds
a
positive
image,
provides
competitive
advantage
in
socially
conscious
marketplace.
Key
findings
underscore
importance
of
transparency,
authenticity,
ethical
engagement
fostering
deeper
connections
long-term
Practical
businesses
include
strategies
integrating
into
core
to
enhance
differentiate
from
competitors,
achieve
financial
gains.
As
expectations
evolve
regulatory
landscapes
shift,
are
encouraged
innovate
sustainably
prioritize
responsible
corporate
citizenship
align
with
global
goals.
Keywords:
Practices,
Brand
Loyalty,
Consumer
Perceptions,
Trust,
Competitive
Advantage,
Corporate
Responsibility.
Finance & Accounting Research Journal,
Год журнала:
2024,
Номер
6(8), С. 1597 - 1616
Опубликована: Авг. 31, 2024
In
today's
complex
business
landscape,
robust
corporate
governance
and
financial
compliance
are
essential
for
maintaining
organizational
integrity,
accountability,
transparency.
This
review
examines
the
key
components
strategies
necessary
to
enhance
these
frameworks,
ensuring
sustainable
success
stakeholder
trust.
Corporate
encompasses
regulatory
compliance,
risk
management,
ethical
conduct,
engagement.
Adherence
laws
regulations,
such
as
Sarbanes-Oxley
Act
(SOX)
General
Data
Protection
Regulation
(GDPR),
is
foundational
in
minimizing
legal
risks
safeguarding
reputation.
Effective
management
involves
identifying,
assessing,
mitigating
potential
threats
an
organization’s
health
operational
integrity
through
strong
internal
controls
regular
audits.
Promoting
conduct
within
organizations
crucial
trust
Establishing
codes
of
guidelines,
whistleblower
protections
fosters
a
culture
integrity.
Transparent
communication
engagement
ensure
that
activities
align
with
interests
expectations.
Enhancing
accountability
transparency
several
strategies.
Strong
board
oversight
independence,
characterized
by
diverse
skilled
members,
balanced
objective
decision-making.
Regular
external
audits
verify
accuracy
identifying
areas
improvement.
Leveraging
technology
data
analytics
pivotal
modern
efforts.
Technologies
like
blockchain,
artificial
intelligence
(AI),
machine
learning
automate
processes,
improve
accuracy,
provide
real-time
insights
into
performance
management.
reporting
disclosure
practices,
adhering
standards
International
Financial
Reporting
Standards
(IFRS),
further
Continuous
training
education
employees
members
on
principles,
requirements,
vital
fostering
accountability.
Strengthening
fundamental
enhancing
By
adopting
comprehensive
leveraging
technology,
promoting
can
build
trust,
mitigate
risks,
growth
dynamic
environment.
Keywords:
Governance,
Global
Corporations,
Harmonization.
International Journal of Advanced Economics,
Год журнала:
2024,
Номер
6(7), С. 288 - 305
Опубликована: Июль 24, 2024
The
escalating
demand
for
affordable
housing
necessitates
innovative
approaches
to
financial
modeling
and
feasibility
analysis
ensure
the
success
sustainability
of
policies.
This
abstract
presents
a
conceptual
synthesis
dynamic
studies,
exploring
their
pivotal
role
in
shaping
effective
Dynamic
involves
creating
flexible
adaptive
models
that
account
varying
economic
conditions,
policy
changes,
market
fluctuations.
These
are
essential
predicting
outcomes,
assessing
viability
projects,
guiding
investment
decisions.
By
incorporating
real-time
data
scenario
analysis,
help
stakeholders
understand
potential
risks
opportunities,
enabling
more
informed
decision-making.
Key
components
include
cash
flow
sensitivity
testing,
planning,
which
together
provide
comprehensive
view
project's
over
time.
Feasibility
studies
complement
by
evaluating
practical
aspects
such
as
site
selection,
regulatory
compliance,
demand.
assess
alignment
projects
with
community
needs
requirements,
ensuring
proposed
developments
both
feasible
beneficial.
often
cost
estimates,
risk
assessments,
providing
detailed
understanding
project
constraints
opportunities.
offers
robust
framework
It
allows
integration
projections
considerations,
policies
not
only
economically
viable
but
also
aligned
social
objectives.
Case
from
various
regions
demonstrate
effectiveness
this
approach
identifying
successful
strategies
addressing
common
challenges.
In
conclusion,
crucial
tools
developing
implementing
They
dimensions,
facilitating
decision-making
enhancing
impact
initiatives.
underscores
importance
integrating
these
methodologies
achieve
long-term
affordability
Keywords:
Policies,
Affordable
Housing,
Studies,
Financial
Modeling,
Synthesis.
International Journal of Applied Research in Social Sciences,
Год журнала:
2024,
Номер
6(8), С. 1612 - 1641
Опубликована: Авг. 3, 2024
The
integration
of
artificial
intelligence
(AI)
in
developing
software
solutions
marks
a
pivotal
advancement
enhancing
accessibility
for
individuals
with
disabilities.
This
paper
explores
the
transformative
potential
AI-driven
technologies
designed
to
empower
those
physical,
sensory,
and
cognitive
impairments.
AI's
capability
learn
adapt
diverse
user
needs
enables
creation
personalized
intuitive
applications,
offering
unprecedented
levels
independence
inclusion.
encompass
various
innovations,
including
speech
recognition,
natural
language
processing
(NLP),
computer
vision.
Speech
recognition
facilitate
communication
hearing
impairments
by
converting
spoken
into
text
vice
versa.
NLP
advancements
have
enabled
development
sophisticated
text-to-speech
systems,
which
can
read
aloud
content
visually
impaired
users,
prediction
tools
that
assist
users
motor
typing
efficiently.
Furthermore,
vision
technology
provides
real-time
image
video
aiding
navigating
their
environment
identifying
objects.
These
are
integrated
everyday
devices
platforms,
significantly
utility
accessibility.
For
instance,
AI-powered
screen
readers
voice
assistants
now
embedded
smartphones
computers,
providing
seamless
access
information
digital
services.
Educational
leveraging
AI
ensures
learning
materials
accessible
all
students,
regardless
disabilities,
tailored
support.
impact
extends
beyond
personal
empowerment
societal
By
enabling
greater
participation
education,
employment,
social
activities,
these
help
bridge
gap
between
disabilities
peers.
Companies
organizations
benefit
from
talents
perspectives
more
inclusive
workforce,
driving
innovation
economic
growth.
However,
implementation
also
present
challenges.
Ensuring
data
privacy
security,
avoiding
bias
algorithms,
maintaining
affordability
user-friendliness
critical
considerations.
Ongoing
research,
collaboration
among
stakeholders,
design
practices
essential
address
challenges
maximize
benefits
In
conclusion,
revolutionizing
way
interact
world.
harnessing
power
AI,
offer
opportunities
independence,
inclusion,
empowerment,
ultimately
contributing
equitable
society.
Keywords:
Al-Driven,
Accessibility,
Transformative,
Disabilities,
Empowering.
Finance & Accounting Research Journal,
Год журнала:
2024,
Номер
6(8), С. 1582 - 1596
Опубликована: Авг. 31, 2024
Strategic
risk
management
in
financial
institutions
is
a
critical
component
for
ensuring
robust
regulatory
compliance
and
maintaining
stability.
This
review
explores
the
multifaceted
nature
of
strategic
its
importance
dynamic
landscape
sector.
It
delves
into
fundamental
components
management,
including
identification,
assessment,
mitigation,
monitoring,
highlighting
how
these
processes
help
navigate
complexities
requirements.
The
discussion
encompasses
various
types
risks
faced
by
institutions,
such
as
credit,
market,
operational,
liquidity,
risks,
illustrating
need
comprehensive
frameworks.
also
reviews
key
frameworks,
Basel
III,
Dodd-Frank
Act,
guidelines
from
European
Banking
Authority,
emphasizing
their
impact
on
capital
requirements,
liquidity
standards,
governance
expectations.
A
framework
integrates
efforts
with
business
strategy,
that
are
not
only
adhering
to
mandates
but
aligning
appetite
tolerance
objectives.
role
technology,
particularly
data
analytics,
real-time
cybersecurity,
examined
crucial
enabler
effective
compliance.
Best
practices
enhancing
outlined,
continuous
regular
audits,
scenario
analysis.
Challenges
evolving
regulations,
product
complexity,
globalization
addressed,
recommendations
adaptive
strategies
industry
collaboration.
Through
case
studies,
provides
insights
successful
implementations
lessons
learned
failures.
underscores
fortifying
suggests
future
trends,
advanced
AI
machine
learning,
which
could
further
revolutionize
approach
institutions.
Keywords:
Risk,
Financial
Institution,
Regulatory,
Compliance
International Journal of Multidisciplinary Research and Growth Evaluation,
Год журнала:
2025,
Номер
6(1), С. 318 - 327
Опубликована: Янв. 1, 2025
In
the
fast-paced
and
highly
competitive
telecommunications
industry,
efficient
project
management
is
crucial
to
maintaining
operational
excellence
achieving
strategic
objectives.
Advanced
technologies
are
increasingly
being
leveraged
enhance
practices,
driving
improvements
in
efficiency,
accuracy,
adaptability.
This
paper
explores
how
cutting-edge
tools
methodologies
revolutionizing
telecommunications,
leading
more
effective
planning,
execution,
control
of
projects.
One
primary
transforming
Artificial
Intelligence
(AI).
AI-powered
enable
managers
automate
routine
tasks,
optimize
resource
allocation,
predict
outcomes
with
greater
accuracy.
Machine
learning
algorithms
analyze
historical
data
identify
patterns
forecast
potential
risks,
allowing
proactively
mitigate
issues
before
they
escalate.
AI
also
facilitates
real-time
decision-making
by
providing
actionable
insights
recommendations
based
on
analytics.
Another
significant
advancement
adoption
cloud
computing
platforms.
These
platforms
provide
scalable
flexible
solutions
that
support
collaboration
sharing
across
dispersed
teams.
Cloud-based
seamless
integration
various
functions,
such
as
scheduling,
budgeting,
performance
tracking,
ensuring
all
stakeholders
have
access
up-to-date
information
can
collaborate
effectively
regardless
their
location.
The
Internet
Things
(IoT)
making
a
substantial
impact
telecommunications.
IoT
devices
sensors
collect
from
network
infrastructure
field
operations,
valuable
into
system
utilization.
data-driven
approach
enhances
accuracy
planning
monitoring,
enabling
use
assets
timely
identification
issues.
Furthermore,
blockchain
technology
explored
for
its
improve
transparency
security
processes.
Blockchain's
decentralized
immutable
ledger
ensures
securely
recorded
easily
auditable,
reducing
risk
fraud
enhancing
trust
among
stakeholders.
conclusion,
advanced
AI,
computing,
IoT,
sector.
offer
benefits
terms
collaboration,
telecom
companies
manage
complex
projects
stay
rapidly
evolving
industry.
By
leveraging
these
tools,
ensure
successful
delivery,
use,
achieve
goals
agility
precision.
International Journal of Scientific Research in Computer Science Engineering and Information Technology,
Год журнала:
2025,
Номер
11(1), С. 1495 - 1514
Опубликована: Фев. 3, 2025
This
review
examines
the
integration
of
marketing
and
sales
strategies
as
a
crucial
approach
for
boosting
brand
visibility
enhancing
customer
engagement
in
today's
competitive
business
environment.
The
fusion
efforts
aims
to
create
seamless
journey,
ensuring
that
potential
customers
receive
consistent
messaging
experience
at
all
touchpoints.
By
aligning
sales,
organizations
can
leverage
strengths
both
functions
drive
better
outcomes.
process
begins
with
establishment
common
goals
metrics
teams
work
towards.
includes
defining
target
audiences,
setting
clear
objectives,
developing
unified
message
resonates
customers.
Collaborative
planning
sessions
regular
communication
between
help
creating
cohesive
strategy
addresses
needs
preferences
effectively.
One
key
elements
this
is
use
data
analytics.
sharing
insights,
develop
more
targeted
campaigns
personalized
approaches.
data-driven
allows
identification
high-value
prospects
creation
tailored
content
appeals
specific
segments
market.
Additionally,
automation
tools
Customer
Relationship
Management
(CRM)
systems
facilitate
information
tracking
interactions
across
teams.
Furthermore,
plays
vital
role
integrated
approach.
High-quality,
relevant
pain
points
provides
value
attract
nurture
leads
through
funnel.
Sales
engage
meaningful
conversations
demonstrate
company's
expertise
commitment
solving
their
problems.
benefits
integrating
include
increased
visibility,
improved
lead
generation,
higher
conversion
rates,
stronger
relationships.
working
together,
efficient
effective
engaging
customers,
ultimately
leading
sustainable
growth
edge
marketplace.
Computer Science & IT Research Journal,
Год журнала:
2024,
Номер
5(8), С. 1751 - 1779
Опубликована: Авг. 3, 2024
Achieving
comprehensive
code
quality
and
ensuring
software
reliability
are
critical
goals
in
modern
engineering.
This
paper
delves
into
advanced
strategies
that
encompass
both
technical
organizational
practices,
aiming
to
enhance
boost
reliability.
Key
include
the
implementation
of
rigorous
review
processes,
adoption
automated
testing
frameworks,
utilization
static
dynamic
analysis
tools.
Firstly,
processes
fundamental
for
maintaining
high
standards
quality.
By
fostering
a
collaborative
environment
where
peer
reviews
routine,
teams
can
catch
potential
issues
early,
ensure
adherence
coding
standards,
promote
knowledge
sharing.
practice
not
only
improves
but
also
enhances
team
cohesion
expertise.
Secondly,
frameworks
indispensable
achieving
test
coverage
reducing
incidence
bugs.
Unit
tests,
integration
end-to-end
when
automated,
provide
continuous
feedback
changes
do
introduce
new
defects.
approach
is
crucial
reliability,
especially
agile
DevOps
environments
rapid
iterations
common.
Furthermore,
tools
development
pipeline
offers
additional
layers
assurance.
Static
inspect
codebase
vulnerabilities,
smells,
compliance
with
without
executing
program.
Dynamic
tools,
on
other
hand,
evaluate
during
runtime
detect
memory
leaks,
concurrency
issues,
performance
bottlenecks.
Together,
these
assessment
code’s
health
Moreover,
culture
improvement
learning
within
essential.
Regular
training
sessions,
workshops,
knowledge-sharing
activities
help
keeping
updated
latest
advancements
engineering
practices
Encouraging
mindset
quality-first
among
developers
ensures
long-term
benefits
sustainability.
In
conclusion,
require
multifaceted
integrates
reviews,
Coupled
strong
improvement,
collectively
contribute
robust,
reliable,
high-quality
systems.
Keywords:
Software
Reliability,
Code
Quality,
Advanced,
Strategies,
Comprehensive.
Finance & Accounting Research Journal,
Год журнала:
2024,
Номер
6(8), С. 1320 - 1348
Опубликована: Авг. 3, 2024
Advancing
financial
inclusion
and
fostering
technological
innovation
through
cutting-edge
software
engineering
are
paramount
in
addressing
the
global
disparities
access
to
services.
This
paper
explores
critical
role
of
revolutionizing
sector,
particularly
enhancing
for
underserved
populations.
Financial
inclusion,
which
ensures
that
individuals
businesses
have
useful
affordable
products
services,
is
a
cornerstone
economic
development.
Despite
its
importance,
significant
portion
population
remains
unbanked
or
underbanked,
primarily
due
limited
traditional
banking
infrastructure.
Technological
innovation,
driven
by
advancements
engineering,
presents
transformative
solution
this
challenge.
Cutting-edge
practices
at
forefront
developing
robust,
scalable,
secure
solutions.
Mobile
applications,
instance,
leverage
sophisticated
architectures
provide
seamless
services
users
remote
areas.
These
applications
facilitate
various
transactions,
including
money
transfers,
bill
payments,
savings,
thereby
integrating
into
formal
system.
Additionally,
blockchain
technology,
underpinned
advanced
offers
decentralized
platform
transactions.
Blockchain's
inherent
transparency
security
features
make
it
an
ideal
tool
trust
reducing
fraud
By
enabling
low-cost
cross-border
technology
significantly
contributes
making
accessible
those
previously
excluded.
Artificial
Intelligence
(AI)
machine
learning,
powered
algorithms,
further
enhance
providing
personalized
AI-driven
chatbots
virtual
assistants
offer
24/7
customer
support,
ensuring
constant
guidance.
Moreover,
AI
algorithms
analyze
user
data
tailored
products,
such
as
customized
loan
investment
advice,
meeting
unique
needs
diverse
users.
promising
potential,
integration
these
technologies
faces
challenges,
privacy
navigating
regulatory
landscapes.
However,
strategic
collaboration
between
institutions,
providers,
bodies,
challenges
can
be
mitigated.
In
conclusion,
advancing
not
only
bridges
gap
but
also
drives
more
inclusive
economically
empowered
society.
Keywords:
Inclusion,
Innovation,
Advancing,
Software
Engineering,
Cutting-Edge.