IOSR-JBM   Volume-26 ~ Issue-5 ~ May 2024

Abstract: Résumé : Depuis une dizaine d'années, la transformation digitale est devenue une composante clé des banques marocaines, et ce en vue d'optimiser leur performance et améliorer l'expérience client. Ainsi, notre étude vise à étudier l'efficience des principales banques commerciales marocaines à travers l'analyse des données par enveloppement « Data Envelopment Analysis (DEA) », et ce en introduisant au modèle des variables liées au digital afin de montrer la contribution de la transformation digitale dans l'optimisation de l'efficience bancaire. Notre démarche.....

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Abstract: Objective: To identify the main research fronts on innovation capability, exploring how each of them converges within its cluster and what are the future research opportunities on the subject. Methodology: The method used is a bibliometric study through bibliographic coupling, with a search in the Web of Science database. Originality: Although the theme is of interest to various relevant research areas, including marketing, strategy, technology, and management, there is a scarcity of reviews aiming to identify the study fronts on the subject, as well as the development of a research........

Keywords: innovation capacity, research forefront, bibliographic coupling

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Abstract: Background: Community-based organizations (CBOs) play a pivotal role in community development globally. However, many CBOs cease operations prematurely due to financial constraints. Prior research indicates that sound budgeting practices significantly influence the financial performance and sustainability of CBOs. This study examined the effect of budgeting practices on the financial performance of CBOs in Kericho County, Kenya. Materials and Methods: A census was conducted on 57 registered CBOs in Kericho County using questionnaires. Data was collected on the CBOs' budgeting practices and financial performance. Descriptive and inferential statistics were conducted using SPSS.........

Keywords: budgeting practices, financial performance, community-based organizations, Kenya.

[1]. Korin, M. Community-Based Organizations As Partners In Public Health Crises. 2022. American Journal Of Public Health.
[2]. Undp. Fostering Social Cohesion And Empowerment: The Potential Of Community-Driven Development. 2020.
[3]. Nyamu, J. Factors Influencing Sustainability Of Community Service Order Projects In Kitui County. 2015. International Journal Of Recent Research In Social Sciences And Humanities.
[4]. Darko Et Al. Community-Based Organizations, Institutional Capacity, And Service Delivery In Africa. 2018. World Development.
[5]. Chepkuto, P. & Kaswiira, J. Effects Of Financial Management Strategies On The Sustainability Of Community Based Organizations. 2022. Scholars Journal Of Economics, Business And Management

Abstract: Background: The passage discusses the growing importance of visual communication in marketing for private universities in Egypt. Here are the key points: Rise of Private Universities: After 2002, private universities boomed in Egypt, needing to establish a strong reputation. Visual Identity Matters: A university's visual identity, including website design, significantly impacts its reputation. The Power of Visuals: Marketers are increasingly using animations, GIFs, and emojis to create engaging communication. Websites as Marketing Tools: University websites can promote educational services, image, information........

Keywords: Visual Design; Universities Marketing; Higher Education; Website Design; Student Enrollment; Private Universities; Marketing Strategies; User Experience; Website Optimization; Graphic Design; Typography; Search Engine Optimization (SEO); Information Architecture; User Engagement; Enrollment Strategies; Digital Marketing.

[1]. Belch, G. E., & Belch, M. A. (2021). Advertising And Promotion: An Integrated Marketing Communications Perspective (12th Ed.). Mcgraw-Hill Education.
Https://Www.Mheducation.Com/Highered/Product/Advertising-Promotion-Integrated-Marketing-Communications-Perspective-Belch-Belch/M9781260259315.Html
[2]. Lin, C.-Y., & Jia, H. (2022). The Impact Of University Website Quality On Student Enrollment Decisions. International Journal Of Educational Development, 67, 102422. Https://Pubmed.Ncbi.Nlm.Nih.Gov/35241973/
[3]. Hill, J. R. (2000). Spots, Dots, & Top Hats: Elements Of Corporate Brand Identity. Business Horizons, 43(3), 13–20. Https://Www.Researchgate.Net/Publication/365877651_Business_Architecture_Collecting_Connecting_And_Correcting_The_Dots
[4]. Shankha, M., Deshpande, A., & Mavlankar, S. (2006). Website Usability And E-Learning Effectiveness: A User-Centered Design Approach Https://Dergipark.Org.Tr/Tr/Download/Article-File/156697
[5]. Andrews, J. C., & Shimp, T. A. (2017). Advertising And Promotion: An Integrated Creative Approach (12th Ed.). Cengage Learning. Https://Www.Amazon.Com/Advertising-Promotion-Integrated-Communications-Perspective/Dp/B0B5RW5MVK

Abstract: Este estudo teve como objetivo apurar o referencial teórico por meio de uma revisão sistemática da literatura sobre "universidade", "desenvolvimento regional" e "regiões periféricas", em português/inglês, a partir de descritores inseridos nas plataformas Web of Science e Scopus no período de 2018 a 2022. Para esta pesquisa, foi realizada uma análise bibliométrica e uma revisão sistemática da literatura buscando-se construir o conhecimento referente aos temas propostos. Os resultados da análise bibliométrica mostraram que a quantidade de publicações sobre o tema tem aumentado ao longo dos anos e que a maioria dos artigos foi publicada em revistas especializadas em Economia e Administração........

Keywords: Universidade. Desenvolvimento regional. Regiões periféricas. Inovação. Universidade-empresa.

[1] Addie, J. P. D. Anchoring (In) The Region: The Dynamics Of University-Engaged Urban Development In Newark, Nj, Usa. Geografiska Annaler, Series B: Human Geography, V. 102, N. 2, P. 172–190, 2 Abr. 2020. Disponível Em:
Https://Core.Ac.Uk/Download/Pdf/289048299.Pdf Acesso Em: 10 Maio 2024.
[2] Behradfar, A.; Castanho, R. A. Addressing Critical Challenges Of Accessibility And Mobility In Peripheral Areas Toward Sustainable Spatial Development And Infrastructure Provision. In: Analyzing Sustainability In Peripheral, Ultra-Peripheral, And Low-Density Regions. Doi: 10.4018/978-1-6684-4548-8.Ch003. 2022. Disponível Em:
Https://Www.Researchgate.Net/Publication/361937605_Addressing_Critical_ChallengeS_Of_Accessibility_And_Mobility_In_Peripheral_Areas_Toward_Sustainable_Spatial_ Development_And_Infrastructure_Provision. Acesso Em: 10 Maio 2024.
[3] Benneworth, P.; Nieth. L. Universities And Regional Development In Peripheral Regions. New York: [S.N.]. Disponível Em: Www.Regionalstudies.Org. Acesso Em: 10 Maio 2024.
[4] Bisani, S.; Daye, M.; Mortimer, K. Multi-Stakeholder Perspective On The Role Of Universities In Place Branding. Journal Of Place Management And Development, V. 15, N. 2, P. 112–129, 13 Abr. 2022. Disponível Em:
Https://Www.Researchgate.Net/Publication/350770269_Multi-Stakeholder_Perspective_On_The_Role_Of_Universities_In_Place_Branding Acesso Em: 10 Maio 2024

Abstract: This research focused on analyzing the influence of credit management practices on the loan performance of Islamic banks in Mogadishu, Somalia. The study specifically evaluated the effects of credit policy, credit appraisal, and collection policy on the loan performance of three prominent The theoretical framework that guided this research includes the moral hazard theory, the theory of self-efficacy, and the information sharing theory. A descriptive research design was adopted, with a census study involving 72 employees from the credit departments of the three chosen Islamic banks........

Keywords: Collection Policy, Credit Appraisal, Credit Policy, loan, Performance

[1] Abdirashid, A. A., & Jagongo, A. O. (2019). Group Lending And Loans Performance In Micro-Finance Institutions In Nairobi City County, Kenya: Case Of Kenya Women Microfinance Bank Limited. International Journal Of Current Aspects, 3(III), 96–110. Https://Doi.Org/10.35942/Ijcab.V3iiii.33
[2] Abdullah, M. A., Ahmad, A., Nayan, N. A. M., Azhar, Z., & Ahmad, A. R. (2020). Credit Risk Assessment Models Of Retail Microfinancing: The Case Of A Malaysian National Savings Bank's Branch. International Journal Of Financial Research, 11(3), 73–83. Https://Doi.Org/10.5430/Ijfr.V11n3p73
[3] Abimbola, E. (2020). Impact Of Non-Performing Loan On Bank Performance In Nigeria A Case Study Of Selected Deposit Money Banks. Journal Of Business & Economic Policy, 7(4). Https://Doi.Org/10.30845/Jbep.V7n4p7
[4] Al-Husseini, S. J. (2021). Social Capital And Individual Motivations For Information Sharing: A Theory Of Reasoned Action Perspective. Journal Of Information Science. Https://Doi.Org/10.1177/01655515211060532
[5] Baldina, Z. N., & Hendratmi, A. (2020). The Influence Of Credit Quality, Strong Tie And Bridge Tie On The Firm Performance: Mediating Effect Of Supply Chain Management. International Journal Of Supply Chain Management, 9(4), 426–432.

Abstract: This essay addresses Human Rights Education as a crucial instrument to promote a culture of peace in a diverse and challenging world. The aim is to highlight the importance of education in this context, providing insights into how it can empower individuals and communities to deal with complex social issues and promote justice and equality. The methodology employed in this article consists of a comprehensive review of the literature on Human Rights Education, exploring various relevant authors and theories. The analysis is carried out through a critical and interdisciplinary approach, which seeks to understand social issues from different perspectives and offer insights into how education can contribute to building a culture of peace........

Keywords: Education; Human Rights; Culture of Peace; Diversity; Social Transformation.

[1] Almeida, S. L. Republicanismo E Questão Racial. In: Schwarcz, L. M.; Starling, H. M. (Org.). Dicionário Da República: 51 Textos Críticos. São Paulo: Companhia Das Letras, 2019.
[2] Almeida, S. Racismo Estrutural. São Paulo: Pólen, 2019.
[3] Barros, V.. "Relações De Poder E O Caráter Subjetivo: Um Estudo De Caso No Sindicato Dos Trabalhadores Metalúrgicos De Bh-Contagem". Dissertação De Mestrado, Programa De Pós-Graduação Em Administração (Conceito Capes 4). Universidade Federal De Minas Gerais, Belo Horizonte/Mg, 1992.
[4] Bauman, Zygmunt. Modernidade Líquida. Rio De Janeiro: Editora Zahar, 2001.
[5] Bourdieu, Pierre. Razões Práticas: Sobre A Teoria Da Ação. São Paulo: Papirus, 1996.

Abstract: Background: The effectiveness of winter care products for men and women in the city of Nagpur was investigated in a comprehensive study. The aim of the study was to assess the use, preferences and satisfaction of winter care products among both genders and to provide valuable information to marketers and manufacturers of skin care products.Both male and female respondents reported that she used a variety of winter care products such as moisturizers, lip balms, body lotions and cold creams. However, the frequency of use and product preferences differed by gender. Women were more inclined to various winter care products that emphasized moisture and skin nutrition.......

Keywords: Moisturizers,Cold Weather, Gender Differences, Uses, Satisfaction, Preferences, Survey, Cosmetic ,Skin Diseases Products.

[1] Wint Quens (Author); "Skin Care In Winter, A Book That Tells You How To Take Care Of Your Skin In Winter"; Kindle Edition
[2] Dr. Jaishree Sharad; "Winter Skincare Tips From 'The Skincare Answer Book'" Timesofindia.Com / Updated: Dec 17, 2023, 21:59 Ist
[3] Angie Walters (Author); "Winter Skincare And Beauty Tips: Protecting Your Skin From The Harsh Cold"; Kindle Edition
[4] Dr. Anjali Mahto (Author); "The Skincare Bible: Your No-Nonsense Guide To Great Skin"; Kindle Edition
[5] Jeremy Kagan (Author), Siddharth Shekhar Singh (Author); "Digital Marketing: Strategy & Tactics" | Im | E Paperback – 1 November 2020

Abstract: Background: This study explores whether the Ibovespa (IBOV), the main benchmark index of the Brazilian capital market, adheres to the Random Walk theory, thereby aligning with the Weak Form of the Efficient Market Hypothesis (EMH) as posited by Fama [1], [2]. This investigation is crucial given the prominence of the IBOV in reflecting the financial dynamics within Brazil. Materials and Methods: Utilizing secondary data collected from the Economatica database, this study encompasses a comprehensive time series........

Keywords: Efficient Market Hypothesis; Random Walk; Ibovespa; Augmented Dickey-Fuller Test; Market Efficiency.

[1] E. F. Fama, "Efficient Capital Markets: A Review Of Theory And Empirical Work", The Journal Of Finance, Vol. 25, No 2, P. 383–417, 1970.
[2] E. F. Fama, "Efficient Capital Markets: Ii", The Journal Of Finance, Vol. 46, No 5, P. 1575–1617, 1991.
[3] L. Bachelier, "Théorie De La Spéculation", Em Annales Scientifiques De L'école Normale Supérieure, 1900, P. 21–86.
[4] A. Cowles 3rd, "Can Stock Market Forecasters Forecast?", Econometrica: Journal Of The Econometric Society, P. 309–324, 1933.
[5] E. F. Fama, "Mandelbrot And The Stable Paretian Hypothesis", The Journal Of Business, Vol. 36, No 4, P. 420–429, 1963..

Abstract: The fundamental right for all citizens is to be able to access health care needs in a timely manner that meets the quality standards recommended by World Health Organization. Machakos County has put in place infrastructural needs, resource allocation, recruitment of competent staff, partnership and collaboration with relevant stakeholders to enhance service delivery within its public hospitals. However, there is inefficiencies and ineffectiveness evidenced in prolonged waiting time, absence of essential medical supplies, overcrowding and shortage of qualified personnel that has reduced service delivery. The research aimed to establish the effect continuous process........

Keywords: Continuous Improvement, Service Delivery, Public Hospitals, SERVQUAL.

[1] Abawi, K. (2017). Data Collection Methods (Questionnaire & Interviews). Training In Sexual And Reproductive Health Research. Geneva: Training In Sexual And Reproductive Health Research.
[2] Abosede, A. J., & Onanuga, A. T. (2016). Research Design: A Review Of Features And Emerging Developments. European Journal Of Business And Management, 8(1).
[3] .Chang, W.-C., Ardiyanto, A.-N., & Lin, C.-N. (2022, June). The Application Of A Servqual Model Is Used To Construct Indicators For Improvements In Agricultural Products Exhibition Service Delivery.
[4] Chege, A. K., Mwenja, D., Kiambati, K., & Mbugua, L. (2020). Human Capital Development And Service Delivery Of Public Health Facilities. International Journal Of Commerce And Finance.
[5] Connor, T. (2019). Understanding How Work Is Done. Deming's Theory Of Profound Knowledge..

Abstract: This study aims to provide empirical evidence that locus of control, work motivation, and work motivation affect employee performance mediated by organizational commitment. The subjects of this study were employees at PT Indra Karya Engineering Division 1 Malang, Malang City, East Java, Indonesia as many as 58 employees. The samples were all taken by census method because the population was below 100. The data used is in the form of primary data from the results of questionnaires distributed to respondents, while data analysis uses path analysis. The results showed that........

Keywords: Locus of Control, Work Motivation, Organizational Commitment, Employee Performance.

[1] Al-Madi, F. N., Assal, H., Shrafat, F., & Zeglat, D. (2017). The Impact Of Employee Motivation On Organizational Commitment. European Journal Of Business And Management, 9(15), 134–145.
[2] Ariffudin, R. I., Koiruman, M., & Rahayu, B. S. (2021). The Influence Of Motivation And Organizational Culture On Work Discipline And Its Impact On Organizational Commitment At Pt Sari Warna Asli Garment Surakarta Pengaruh Motivasi Dan Budaya Organisasi Terhadap Disiplin Kerja Serta Dampaknya Terhadap Komitmen. Kelola : Jurnal Bisnis Dan Manajemen, 8(1), 66–73. Https://E-Journal.Stie-Aub.Ac.Id/Index.Php/Kelola
[3] Artha, D. R., Suardhika, I. N., & Landra, N. (2023). The Servant Leadership Analysis And Work Motivation In Determining Organizational Commitment And Work Performance. International Journal Of Applied Business And International Management, 8(2), 1–13. Https://Doi.Org/10.32535/Ijabim.V8i2.1815
[4] Ary, I. R., & Sriathi, A. A. A. (2019). Pengaruh Self Efficacy Dan Locus Of Control Terhadap Kinerja Karyawan (Studi Pada Ramayana Mal Bali). E-Jurnal Manajemen Universitas Udayana, 8(1), 30. Https://Doi.Org/10.24843/Ejmunud.2019.V08.I01.P02
[5] Battu, A. S., & Susanto, A. H. (2022). Pengaruh Self Efficacy Dan Locus Of Control Terhadap Kinerja Karyawan Magang. Bisnis Dan Kewirausahaan, 2(3), 61–77. Https://Journal.Sinov.Id/Index.Php/Jurimbik■Page61.