Business Information Research Articles

Financial inclusion, entrepreneurial activity and the moderating role of human capital: new cross-country evidence

PurposeThis study aims to reexamine the moderating role of human capital on the effect of extended financial inclusion (FI) for entrepreneurship, using data from the Global Entrepreneurship Monitor for a sample of 42 countries from 2006 to 2017.Design/methodology/approachThis study distinguished between actual and perceived human capital. Actual human capital was measured through formal education while perceived human capital was captured by self-perceived capabilities for business start-ups. The moderating role of human capital was captured by the interaction terms between FI and human capital to investigate how the effects of FI on entrepreneurship vary with levels of human capital. The estimation used the panel-corrected standard error estimators and the two-step system generalized method of moments estimators.FindingsHigher levels of formal education decrease the positive effect of extended FI on entrepreneurial activities. Individuals with high levels of self-capability do not leverage FI for entrepreneurial activities as much as those with lower levels of perceived capability. The results are robust to different estimation methods and different forms of actual human capital.Research limitations/implicationsBoth financial and human capital matter for new business formation worldwide. The findings suggest that FI policies must account for the decreasing effect in response to high levels of human capital. Future research should explore different measures of entrepreneurial performance, various types of entrepreneurship and entrepreneurship across gender groups to gain deeper insights into strategies for promoting entrepreneurship.Practical implicationsEducation strategies should focus on specific types of education, such as entrepreneurship education with financial literacy, rather than traditional academic curriculum, to foster entrepreneurship knowledge, skills and creativity. Likewise, entrepreneurship support schemes should aim to nurture and share appropriate levels of self-efficacy, avoiding excessively high self-efficacy, which is deleterious to the benefits of FI for entrepreneurial activities.Originality/valueThis study offers novel evidence of the decreasing effects of FI on entrepreneurial activities in response to increased actual and perceived human capital.

Relevance of Pedestrian Circulation in Urban Design: A Study of M.P. Nagar, Bhopal

Walking is one of the vital components in designing cities. It makes cities safe, accessible, and visually more appealing. The research is looking into creating a city that allows pedestrians to use the space as safely as possible, making the space easy to walk through, and invitingly friendly. (Southworth, 2005). A good city would be environmentally conscious, inclusive to all, and a better place to live generally. The study discusses core issues in developing walkable cities, such as the ability to easily move about, safety for pedestrians, and the connection between places. At the same time, it can be seen that integrating walking spaces with public transportation makes cities perform better. For instance, one of the emerging ideas is using streets shared with both cars and people, thus reducing traffic volumes and designing a flexible space in line with change to meet new needs. This focus involves designing cities that are responsive to climate and making public spaces more accessible for walking. (URBAN, 2021/22). The paper has used examples from places like Delhi, Ahmedabad, and Barcelona to demonstrate how pedestrian-friendly ideas have worked in real life. The research also discusses the challenges that cities in developing countries face, which include crowded places, informal business, and scarce money for huge projects. Last but not least, the study provides a guideline to city planners and policymakers on prioritizing walking in urban design to make cities easy to live and move around in. The study encourages a paradigm shift toward better cities for walkers, which eventually leads to sustainable and vibrant cities. Key Words: Walkability, Pedestrian Safety, Urban Design, Public Space Accessibility, Sustainable Cities, Integrated transport.

Pengaruh Rasio Keuangan Terhadap Pertumbuhan Laba Pada Perusahaan Farmasi Yang Terdaftar di Perusahaan BEI Tahun 2017-2023

Financial statements are essential for assessing the financial health and performance of a company, serving as a key tool for management to provide relevant and accurate business information to stakeholders. The main component of financial statements is the company's profit, which plays an important role in evaluating management's performance in asset management and operations. This information is critical for internal and external parties, such as shareholders, creditors, and investors, who rely on earnings data for decision-making and strategy development. Earnings are generally recorded as the difference between revenues and expenses, with net income and earnings per share as commonly used measures. Accurate and consistent earnings reporting, supported by transparent accounting standards, is fundamental to informed decision-making. This study explores the impact of financial ratios on earnings growth in pharmaceutical companies listed on the Indonesia Stock Exchange (IDX) from 2017 to 2023. The pharmaceutical sector, with its unique characteristics and challenges, such as dependence on research and development (R&D) and government regulations, exhibits different dynamics compared to other industries. Previous research has mostly focused on the manufacturing and services sectors, with limited research on the pharmaceutical sector. This study aims to fill this gap by examining the relationship between financial ratios, such as Return on Assets (ROA), Return on Equity (ROE), and Gross Profit Margin (GPM), to earnings growth in the pharmaceutical sector.

An Analysis the Impact of e-HRM on Organizational Performance in Information Technology (IT) Industry in Delhi/NCR

The digital age has brought about significant changes in the business environment. The business environment and information technology (IT), one of the most important components of today's business world, are affecting the growth of many businesses. At the management level, IT plays a special role in people management. Electronic Human Resource Management (e-HRM) is a concept that involves the use of web technologies for the provision of services related to human resource management in organizations. The purpose of this article is to highlight the importance of the concept of e-HRM, its most important features, advantages, potential disadvantages and to guide the implementation of e-HRM in Delhi/National Capital Region (NCR). The approach of this paper includes theoretical analysis of existing literature and literature on e-HRM and data analysis on e-HRM implementation by organizations in Delhi. Use SPSS software to analyse the data. It pointed out that eenergy users management is a new development that supports, enhances and supports people management both in terms of people management and leader leadership and personnel.

Women Informal Business Tourists in Urban Southern Africa

Across sub-Saharan Africa, a substantial economy benefits from informal business tourism. In Southern Africa, the central element in informal business tourism is women's activities, who are informal cross-border shoppers and traders. The article investigates this neglected aspect of informal business tourism and unpacks the organisation of the key circuits of informal business tourism in urban Southern Africa. Major findings disclose that Johannesburg is established as the pivot of these regional shopping circuits. In the post-apartheid period, an infrastructure emerged in the inner city of Johannesburg to facilitate the operations of informal business tourists. The entrepôt operates as a transit tourism space, a conduit for channelling mainly Chinese products to destinations elsewhere in Africa. It is a space that connects the formal to the informal and the local to the global. Arguably, the practices of these informal business tourists are shaping new economic spaces in urban Southern Africa. The drivers and multiple challenges of women participants are explored through a synthesis of the recorded experiences of Zimbabwean women.

The rising appeal of creative industry for women entrepreneurs: an exploratory study of rural Khyber Pakhtunkhwa

Purpose The current research study aims to explore the rising appeal of creative industry for institutionally embedded women entrepreneurs of rural Khyber Pakhtunkhwa. Design/methodology/approach A qualitative research methodology is adopted to conduct the research study. Primary data is collected through in-depth interviews with 38 women entrepreneurs working in two sectors of creative industry in rural Khyber Pakhtunkhwa. Findings The research study explored creative industry as the most informal, non-traditional, low cost, flexible and convenient business sector for institutionally embedded Pukhtoon women entrepreneurs of rural KP. Practical implications The study draws the attention of policymakers and government to consider the informal norms in which women entrepreneurship is deeply embedded, while making entrepreneurship development policies and programs. The research study drives the attention of government toward making entrepreneurial education and training facilities easily available so that the skill and talent of women entrepreneurs can be more polished and enhanced. It further suggests that if the policymakers and Government of Pakistan take positive initiations and recognize the paramount importance, the creative industry of Pakistan has the potential of contributing toward uplifting of the economy. Originality/value The study helps in identifying the prevailing social and cultural norms in KP that shapes the choice of women entrepreneurs toward entrepreneurship in creative industry. It emphasizes to understand the reasons, for which women in KP, opt to open their entrepreneurial ventures in creative industry.

ASSESSING THE INFLUENCE OF TECHNOLOGICAL TOOLS ON THE QUALITY OF COMPUTER-ASSISTED AUDITS: THE CASE OF MOROCCAN AUDIT FIRMS

The importance of auditing in Morocco lies in its central role in ensuring the reliability of financial information of businesses, fostering investor confidence, and promoting economic development. Concurrently, the adoption of computer-assisted audit in the country reflects the need to stay at the forefront of technology to address the challenges of a constantly evolving economy, thereby enhancing the efficiency and accuracy of audit procedures. This study aims to assess the extent of impact of technology on audit quality within a multidimensional context in Moroccan audit firms, based on a sample of over 300 auditors who are members of the Order of Chartered Accountants of Morocco. Data were analyzed through linear regression and principal component analysis (PCA) using SPSS. The results reveal that, except for the Big Four subsidiaries and major audit firms in Morocco, computer technology is not the most determining factor in terms of influencing audit quality. However, the study highlights a positive trend: audit firms in Morocco are on the path toward digitizing their processes, which could have a significant impact on the profession in the future.

Research on the Relationship Between the Integration of Industry and Finance and Enterprise Risk Management

This paper explores the relationship between the integration of industry and finance and enterprise risk management in both theory and practice, so as to provide reference for enterprise managers, help them optimize the level of risk management and improve the efficiency of enterprise decision making. In the process of globalization and the rapid development of information technology, enterprises are and continue to face more and more complex operational risks and financial risks, and the traditional financial management model is difficult to manage the related risks. Through the integration of business and financial information, it can help enterprises to enhance their ability to identify and cope with risks, and enhance their market competitiveness, so as to ensure their sustainable development. Based on literature review and empirical research, this paper finds that the integration of business and finance can significantly improve the speed of risk identification and processing efficiency of enterprises. In view of the positive significance of the integration of business and finance to improve the level of risk management, corresponding suggestions are put forward to provide practical guidance for enterprises to improve the effectiveness of the integration of business and finance.

Gontor and Community Economic Empowerment

Pondok Modern Darussalam Gontor (PMDG) as a leading Islamic educational institution in Indonesia has proven its role not only focusing on religious education, but also on other aspects, namely social and economic, especially the economic empowerment of the people. This study looks at the role of PMDG in community economic empowerment. PMDG's economic empowerment is carried out through an integrative approach between education, entrepreneurship, and sharia-based and sustainable resource management. PMDG incorporates a modern curriculum that includes practical skills such as business management, agribusiness, and information technology in its learning. PMDG incorporates a modern curriculum that includes practical skills such as business management, agribusiness, and information technology in its learning. Thus, it succeeds in instilling entrepreneurial character among the santri, which in turn has an impact on the surrounding community. In addition, the economic programs also implemented by PMDG such as pesantren cooperatives, productive waqf and zakat, and ecology-based activities not only increase the independence of the institution, but also empower the surrounding community economically.

Collateral Ownership as A Stepping Stone to Formal Credit Accessibility: A Perspective of Cottage Industry Owners

Purpose: The study investigates the influence of collateral ownership on formal credit accessibility for cottage industry owners in Dodoma, Tanzania. Design/Methodology/Approach: A cross-sectional survey randomly sampled 357 cottage industry owners from Dodoma City and Chamwino District Council in the Dodoma Region. Quantitative and qualitative data collection methods were used, including surveys and interviews. The analysis employed SPSS software to perform descriptive and inferential statistics, including Chi-square tests and binary logistic regression, to examine the influence of collateral ownership and formal credit accessibility. Findings: The study found that most cottage industry owners with collateral can only access a small amount of formal credit of up to five million Tanzanian shillings. Similarly, the study revealed that ownership of tangible assets, title deeds, business assets, and employment contracts significantly enhances the likelihood of cottage industry owners accessing credit from formal financial institutions in Dodoma, Tanzania. Research Limitation: The study concentrated on collateral ownership and formal credit accessibility to Dodoma City and Chamwino District Council cottage industry owners. Thus, the findings may not apply to all Tanzanian cottage industry owners within the councils due to different regional administrative structures. Also, future studies can examine how interest rates, the availability of business records, and the location of the business may affect formal credit accessibility. Practical Implication: Understanding the role of collateral ownership is crucial in informing policies to improve financial inclusion and reduce poverty. Social Implication: Enhancing credit accessibility through collateral ownership to cottage industry owners can promote economic growth and job creation in Tanzania. Originality/ Value: The application of credit rationing theory in comprehending the influence of collateral ownership and credit accessibility for cottage industry owners in Tanzania, contributing to the financial ecosystem for informal businesses in developing economies.

Optimizing Supply Chain Management with Real-Time Data Integration Platform

Real-time data integration platforms have emerged as transformative solutions in modern supply chain management, revolutionizing how organizations process, analyze, and act on critical business information. These platforms enable seamless connectivity between suppliers, manufacturers, distributors, retailers, and customers, providing end-to-end visibility and enhanced decision-making capabilities. The evolution from traditional batch processing to real-time integration represents a fundamental shift in supply chain operations, addressing challenges such as data latency, system fragmentation, and operational inefficiencies. Through advanced technological components including sophisticated data ingestion layers, powerful processing engines, and efficient distribution systems, organizations can achieve substantial improvements in inventory management, order fulfillment, and customer satisfaction. The integration of artificial intelligence, edge computing, and blockchain technologies further enhances these capabilities, enabling predictive analytics, automated decision-making, and enhanced security measures. The implementation of these platforms, while challenging, offers significant strategic advantages including improved operational efficiency, reduced costs, and strengthened competitive positioning in the global marketplace.

Implementation of integrated services of intelligent supply chains by leading Chinese logistics companies.

The article examines the restructuring of global supply chains within the framework of the active development of China’s logistics services market. It is established that with the continuous improvement of the country’s digital economy, these services can become one of the important directions for the development of large Chinese companies operating in this industry. The purpose of the work is to study the implementation of integrated intelligent supply chain services, analyze the practice of their application, and their impact on the growth of turnover and income of leading logistics enterprises in the country — Xiamen C&D Group Corp. Ltd., SF Express Holding, YTO Express — in 2021–2023. The paper describes the step-by-step mechanism of the intelligent supply chains of Chinese companies and its innovative component. It is determined that the studied organizations adhere to the principle of digital excellence, promote digital industrialization, jointly create a common logistics big data platform (the country’s digital logistics ecosystem), and apply new business formats and a modern logistics model to facilitate the industrial transformation and modernization of China’s economy. To achieve the goals of the study and analyze the restructuring of global supply chains within the framework of the active development of China’s logistics services market, methods of scientific analysis of scientific literature and economic analysis of reports of leading logistics companies in China, comparative analysis, content analysis, and case studies were used to study examples of the implementation of intelligent supply chains in Xiamen C&D Group Corp. Ltd., SF Express Holding, YTO Express. The results of the research can be useful for international organizations and partners of China engaged in joint logistics projects and initiatives to enhance cooperation and coordination efforts.

Information Technology and Its Role in Optimizing Employee Performance: A Case Study on a Bangladeshi Organization

The effect of information technology (IT) on employee performance in modern workplaces is examined in this study. Information technology has become a crucial element for enhancing decision-making, productivity, and teamwork as firms rely more and more on digital platforms. Employee performance measures, such as productivity, work satisfaction, and efficiency, are examined in relation to the adoption of IT solutions, such as cloud computing, enterprise resource planning (ERP) systems, and communication tools. The study illustrates how IT improves time management, workflow efficiency, and creativity using both qualitative and quantitative methodologies. Furthermore, the study highlights obstacles including technological overload, inadequate training, and dependency problems that may prevent IT from reaching its full potential in improving worker performance. According to the findings, IT is vital for improving performance, but its full potential requires careful planning, administration, and training. This study provides insightful information for businesses looking to use IT to boost productivity and gain a competitive edge.

Urban Flooding and Its Effects on Informal Small Businesses in Zimbabwe: Insights from Gweru Urban.

Urban Flooding and Its Effects on Informal Small Businesses in Zimbabwe: Insights from Gweru Urban.

Optimizing Decision-Making Processes with Data-Driven Strategies in Modern Business Administration and Information Analysis

Optimizing Decision-Making Processes with Data-Driven Strategies in Modern Business Administration and Information Analysis

BLEISURE AND INFORMAL BUSINESS TOURISM IN HARARE, ZIMBABWE

Extant research on the concept of bleisure is mainly in the context of the Global North or relates to travellers from the Global North. This investigation is the first in the environment of the Global South to examine the bleisure activities among informal business tourists. Using a survey of 700 informal business tourists in Harare, Zimbabwe, the results show that the accommodation choices and the bleisure activities undertaken by these informal business tourists in Zimbabwe’s capital city are markedly different to those reported in studies of business travellers from the Global North. Bleisure activities identified as significant are visits to friends/relatives, participation in religious activities, personal shopping and the enjoyment of sports, musical events and Harare’s night-time economy.

Logistic-information system based on object-oriented approach

The article deals with the issue of creating an information system through an object-oriented approach, which is suitable for ensuring an efficient and properly functioning logistics network. An object-oriented approach to the creation of a business information system pays attention to a set of cooperating objects and reacts more flexibly to events in the environment. The main effort within the object-oriented approach is the reuse of created objects for a new system, which significantly contributes to shortening the development of new systems. For this fact and based on practical experience, the mentioned approach was chosen by the authors of the article. The overall design and functionality of the information system were influenced by the strategic direction of the company, which was also necessary to consider when preparing the article. In the end, a comparison of specific and object-oriented approaches to the creation of information systems for the company is processed.

Evaluating the Impact of IoT Integration on Enterprise Information Systems Performance and Scalability

Adding Internet of Things (IoT) technologies to business computer systems has changed how companies run their businesses, keep an eye on their assets, and use data to make decisions. IoT devices, like sensors, controllers, and linked systems, produce a lot of data that can be used to make business systems more scalable, improve performance, and simplify processes. The goal of this paper is to look at the pros and cons of companies adopting IoT technologies in order to figure out how integrating IoT technologies affects the performance and scale of corporate information systems. IoT integration offers big changes in how well business IS works by letting you analyze data in real time, automate tasks, and make operations run more smoothly. IoT-enabled systems can cut down on manual work, make better use of resources, and allow predictive maintenance by letting you watch and direct business processes in real time. Also, being able to gather and handle data from many connected devices can help you make better decisions, improve the customer experience, and run your business more efficiently. But while it's clear that integrating IoT has benefits, it also adds a lot of complexity, especially when it comes to making the system scalable. IoT devices are creating more, faster, and different kinds of data, which is making standard IS systems work harder. We need new ways to store, process, and send data. This study looks at how IoT affects the performance and scalability of business information systems (IS). It does this by studying current research, analyzing case studies, and figuring out the most important factors that affect how well IoT technologies are adopted. The study shows that Internet of Things (IoT) devices can make corporate information systems (IS) more scalable by making it easier to handle data, building better networks, and using more advanced computing models like edge computing and cloud computing.

Business Constraints, Information Technology and Income Inequality in Sub-Saharan Africa

The objective of this study is to examine how information and communication technology can be used to moderate the unfavourable effects of doing business constraints on income inequality in 48 sub-Saharan African countries for the period from 2004 to 2019. The Gini coefficient is used as the income inequality indicator, whereas the ICT dynamics employed entail subscriptions to mobile phones and the Internet. Ten indicators of doing business constraints are also employed. From the findings, for the most part, doing business constraints increase income inequality while ICT moderates the positive effect of doing business constraints on income inequality. Thresholds of ICT at which the doing business constraints no longer increase income inequality are provided. At these established ICT penetration thresholds, ICT effectively moderates doing business constraints to reduce income inequality.

Data Visualization of the Maturity Level From the Perspective of Business-IT Alignment at PT. XYZ

This article presents descriptive information about the results of the performance analysis and the maturity of the business-IT alignment process at PT.XYZ through the implementation of data-based visualization techniques within the SAMM perspective. This research is divided into four stages: preliminary research, data collection, data analysis, and organizational development analysis. Based on the results of the analysis using SAMM from the perspective of top-level management of an organization, PT. XYZ has achieved maturity in the attribute of good cooperation. This indicates that the company and organization understand the need for business-IT alignment for their development. However, the attainment level of maturity in the skills and communication attributes is less than optimal. This impacts the communication process and the distribution of information in the company’s development through IT implementation. This research only provides data visualization of the maturity achievements of PT. XYZ’s business alignment and information technology are based on the SAMM method. The process of analyzing the company's strategic alignment data and providing recommendations for implementing Information Technology to optimize the company's business was not included in this research.