Studies in Economics and Business Relations

The impact of financial depth and efficiency on savings mobilization in Nigeria

2025-06-19T16:24:39+00:00

This paper anchored on examining the effect of financial sector development on savings mobilization in Nigeria from 1981 to 2023. Precisely, the study explored the relative impact of financial depth and financial efficiency on the savings mobilization in Nigeria. The study made use of the autoregressive distributed lag (ARDL) model, the standardized regression model, and Granger causality test in the analysis. The ARDL estimates indicated that both financial depth and financial efficiency initiated a desirable and significant effect on the savings level in Nigeria. Other key discoveries from the result were that both income and interest rate exerted positive and significant effect on the savings level in Nigeria. The standardized regression model result indicated that financial depth had a significantly larger impact on savings levels than financial efficiency. The Granger causality test supported the existence of a unidirectional causality from financial sector development to savings mobilization during the study period. The paper recommended for sustaining macro-stability in the financial system, boosting public policy for institutional reform and infrastructure, and proactive public policy for risk oversight and management.

Remote Work Effectiveness, Quality and Efficiency: A Theoretical and Empirical Approach to Employee Performance

2025-05-26T00:50:19+00:00

The shift to remote work has transformed traditional workplace dynamics, necessitating an evaluation of its impact on employee performance. This study examines the relationships between job effectiveness, job efficiency, and job quality in influencing remote employees' performance. Using a quantitative approach, data were collected from 132 remote workers through a structured questionnaire and analyzed using inferential statistical methods, including correlation and regression analysis. The findings reveal that job efficiency and job quality significantly enhance employee performance, while job effectiveness does not exhibit a substantial impact. This suggests that in remote work environments, employees who manage their time and resources efficiently and produce high-quality work are more likely to maintain optimal performance levels. The study contributes to the growing body of research on remote work by providing empirical insights that can guide organizations in refining remote work policies to enhance productivity and job satisfaction. Future research should explore additional variables such as work-life balance and mental health to gain a more comprehensive understanding of remote work dynamics.

Impact of Yemeni crisis on Efficiency of Yemeni Banks – Using (DEWA) approach

2025-06-30T09:36:44+00:00

The purpose of this study is to examine the efficiency level of Yemeni banks in pre and post Yemeni crisis. The banking intermediation approach was considered to choose the study inputs and outputs through unique panel data set of banking sector in Yemen over the period (2006-2015). It allows to study the variations in the efficiency of banks before and after Yemeni crisis. For the purpose of data analysis; nonparametric efficiency approach Data Envelopment Windows Analysis (DEWA) was applied. The average efficincy results before Yemeni crisis (2006-2010) reveal that Yemeni conventional banks are more efficient than Islamic banks in term of their inputs producing actual outputs. On the other hand the average efficincy results in post Yemeni crisis (2011-2015) indicate that Islamic banks are more efficient after Yemeni crisis than conventional banks. It is recommended that banks managers should increase their banks efficiency by improving resources utilization to produce optimal outputs.

AI-Driven Predictive Analytics in Monitoring and Evaluation: Opportunities and Ethical Dilemmas

2025-07-02T09:06:02+00:00

The integration of Artificial Intelligence (AI) into Monitoring and Evaluation (M&E) frameworks represents a significant transformation in how organizations assess program effectiveness and impact. This mixed-methods study examined the opportunities and ethical challenges associated with AI-driven predictive analytics in M&E through systematic literature review, case study analysis, and stakeholder consultation. The systematic review analyzed 89 peer-reviewed articles from 2015-2024, while three detailed case studies from Kenya, Colombia, and Southeast Asia provided implementation insights. Semi-structured interviews with 24 M&E practitioners, technology specialists, and ethics experts informed the analysis. Results demonstrated substantial improvements in program targeting (60% increase in effectiveness), resource allocation (30% cost reduction), and predictive accuracy (85-92% across contexts). However, significant ethical challenges emerged, including algorithmic bias affecting 67% of implementations, data privacy concerns in 78% of cases, and accountability gaps in 85% of current implementations. The study concludes with evidence-based recommendations for responsible AI integration in M&E, emphasizing phased implementation, robust governance frameworks, and continuous stakeholder engagement to maximize benefits while addressing ethical concerns.

Maximizing Employee Performance through Advanced Technology in the Modern Workplace

2025-05-23T17:38:04+00:00

This study explores the transformative role of advanced technology in shaping employee performance and overall organizational outcomes within the context of the Middle Eastern corporate ecosystem. Drawing from a comprehensive literature review and theoretical frameworks such as the Technology Acceptance Model (TAM), Resource-Based View (RBV), Task-Technology Fit, and Human Capital Theory, the research investigates four core hypotheses: (H1) the impact of advanced technology on employee performance, (H2) the mediating role of training and digital competency, (H3) the effect of organizational support for digital learning, and (H4) the influence of employee productivity on organizational performance. A quantitative, explanatory research design was employed, involving stratified random sampling of 300 employees across Qatar, the UAE, and Saudi Arabia. Data were analyzed using SPSS 26, incorporating factor analysis, multiple regression, and ANOVA. Results confirm significant positive associations across all hypotheses, with key findings showing that advanced technology adoption explains approximately 66% of the variance in employee performance. High reliability (Cronbach’s α > 0.85 across constructs) and strong factor loadings (> 0.6) validate the measurement model. These findings reinforce the necessity of aligning digital initiatives with targeted training, organizational support, and strategic HR policies to enhance performance. This study offers critical insights for managers and policymakers on leveraging technological integration as a driver of sustainable organizational growth in the digital age.