International Journal of Management studies and Social Science Research

Abednico Siambombe and Innocent Isaac

DNtengwe for Community Development 237 Binga Medium Density | Binga| Zimbabwe

ABSTRACT:There is no disaffirming the fact that with the Copenhagen 1995 World Social Summit, the Millennium Development Goals and the Leaving No One Behind mantra of the Sustainable Development Goals (SDGs), the concept of Inclusive Education has gained academic global currency. Very little attention has been paid to capture the interventions that are supporting Inclusive Education through practical educational and life skills support for Children with Disabilities (CWDs) in Africa. This paper was designed with the twin aim of contributing to Inclusive Education as a concept in currency and to explore the practical strides being made in promoting Inclusive education in Zimbabwe. The study applied implementation research approach to ascertain the achievements of A Brighter Future through Inclusive Education for Children with Disabilities in Zimbabwe (BFIE) programme being implemented by Ntengwe for Community Development in Binga district. The study revealed a promising model indicating that Inclusive Education can be effectively promoted through an iterative process addressing a continuum of perceptions, knowledge, attitudes, behaviors, practical educational needs and policy processes. Instructively, the study found the need for multiple mutual partnerships and complementarity among civil society, communities, government and global partners at different levels as each brings different resources and competences necessary to promote Inclusive Education. This paper recommends the need to adopt a tailor made area specific type of interventions that address the whole repertoire of needs necessary to promote Inclusive Education for Children and Persons with Disabilities in Africa and the world

Keyword: Inclusive Education, Children with Disabilities, Ntengwe for Community Development, practical educational and life skills policy, Leaving No One Behind, Sustainable Development Goals.

Paul Muoki Nzioki, PhD.

Department of Commerce, School of Business, Laikipia University, Kenya

ABSTRACT:Mobile banking has immensely contributed to growth in the banking sector in Kenya and world over. One of the key aspects of mobile banking is mobile loaning that has rapidly penetrated the Kenyan financial sector already spread across the financial institutions in Kenya. Over the few years of mobile loaning, banks and telecommunication institutions in Kenya have developed mobile phone loaning platforms/ applications such as the Ezzay Loan of Equity Banks, KCB Mobi Loan for KCB Bank and the M-Shwari by Safaricom. The risks associated with mobile phone loaning are high. This study therefore sought to assess the application of credit risk control practices that Equity Banks had implemented to mitigate against risk in its Eazzy Loan mobile phone loaning platform. The study was carried out in Equity Bank Limited, North and Central Rift Regions among the 27 bank branches. It adopted the descriptive research design. The target population constituted 27 credit officers and 54 credit managers in charge of Eazzy Loan. A census was done therefore all the 81 staff were included in the study. Questionnaires were used to collect primary data. Upon data collection, analysis was done descriptive statistics and chi square was used to check selected credit risk control practices were significant in controlling risk associated with mobile loaning. The study found out that all the selected credit risk control practices; namely Quantification of credit risks, Individual risk control, Portfolio risk control, Credit limits, Risk policies and procedures, Oversight Committee on performance of Eazzy Loan, Internal controls, Periodic reviews and Internal audits were fully applied on Eazzy Loan mobile phone loaning platform of Equity Bank. Although there was an Oversight Committee that reviewed the performance of Eazzy Loan to inform its future performance, a high number of the respondents were not aware of its presence. In overall, the study established that all studied indicators of credit risk control practices were significant practices that all banks with mobile banking services should embrace.

Keyword: mobile banking, mobile phone loaning,credit risk control and risk mitigation

Lucio Muñoz*

Independent Qualitative Comparative Researcher / Consultant, Vancouver, BC, Canada

ABSTRACT:Perfect market competition is at the heart of traditional market thinking. So when perfect markets shift, our thinking should perfectly shift too in order to be able to operate in the new perfect market, this is true whether we shift towards a green market or a red market or a sustainability market. For example the 2012 Rio + 20 conference chose to correct the traditional market to account for the environmental cost of doing business only; and therefore they chose a shift from perfect traditional market thinking to perfect green market thinking. However, if they would have chosen instead to correct the traditional market to account for the social cost of doing business only to address the poverty issue, then they would have chosen a shift from perfect traditional market thinking to perfect red market or socially friendly market thinking. And this would have indicated the need to understand the expected behavior of markets under perfect red market or socially friendly market competition, a knowledge that as far as the author knows does not yet exists. The main goal of this paper is to point out how markets should be expected to work under perfect red market or socially friendly market competition.

Keyword: Traditional markets, red markets, socially friendly markets, perfect market competition, perfect red market competition, perfect socially friendly market competition, market shifts, sustainability markets, red producers, red consumers, short term costs, short term red market costs, long term costs, long term red market costs.

Ologundudu, Mojeed Muhammed and Ojo James Olanipekun.

Mountain Top University Department of Economics and Mountain Top University Department of Business Administration

ABSTRACT: Corporate governance, Entrepreneurship and Economic Development are three vital tools in the development of any country which must not be underestimated. Their usefulness and unquestionable importance cannot be overemphasized. The study empirically examined the mutual link between Corporate Governance, Entrepreneurship and Economic development in Nigeria using primary data by employing structure questionnaires to obtain information from the respondents in selected banks in Ogun State as a population representative. In this research questionnaire were analyzed and interpreted using simple percentage table for tabular analysis and Spearman’s Rank Correlation Coefficient for the testing of the formulated hypotheses to enhance robustness of the result. It was proved in the study that good corporate governance determines the success of an organization. In the analysis, corporate governance policy has really helped Nigerian entrepreneur to grow financially. In addition, it was also discovered from the study that corporate governance was seen as a panacea for Entrepreneurship Development in Nigeria. We therefore recommend that good corporate governance remains a solution tool for Entrepreneurship Development in Nigeria financial institution especially banks, organizational problems and the right policy that enhance increased productivity which ultimately brings about economic growth and development globally

Keyword: Corporate Governance, Entrepreneurship and Economic Development, Productivity

Lucio Muñoz*

* Independent Qualitative Comparative Researcher / Consultant, Vancouver, BC, Canada

ABSTRACT: Liberal democracies are usually morality based, but sometimes they can be amoral. When they are morality based, they are normal liberal democracies. When they are amorality based they are extreme liberal democracies. Morality and practical morality based world views or political platforms have been the competing forces usually fighting against each other to gain power and to reflect their views on policy under majority rule based normal liberal democracies, including in the USA. And one thing that these competing political groups claim to have in common is to have the best interest of the majority in mind or at heart. In other words, their moral high ground is to seek the best interest of the majority, and a true majority view support gives them the electoral win. This is because under normal democratic outcomes the majority view always wins the democratic contest. Hence, morality and practicality form the corner stone of opposition parties under normal liberal democracies under majority rule based systems. As we all know the world of extreme liberal democratic outcomes came in 2016, a shift from normal democratic outcomes to extreme democratic outcomes in the UK (BREXIT/LeaveEU) and in the USA (USEXIT/Trumpism). This represents a shift from morality based democracies or choices to amorality based democracies or choices. As extreme democratic outcomes have the best interest of the minority in mind, the shift meant a move away from moral and practical majority rule friendly values in favor of amoral values to closely reflect the best interest of the minority. This is because under extreme liberal democracies the minority view somehow wins the democratic contest. Hence, amorality forms the corner stone of party behavior under extreme liberal democracies, It is known that chaos, especially manufactured chaos or misinformation played a key role in the coming BREXIT and USEXIT in 2016 and continues to play a key role right now, yet not much is written to my knowledge about how that could happen, about where and how manufactured chaos can be targeted to induce specific complacency conditions or participation behavior that are necessary to induce specific ways of affecting the voting process creating in this manner political room for anti-majority rule democratic outcomes; and understand that way what happened in 2016 that shifted liberal democracy models from normal to extreme. Among the goals of this paper is to use qualitative comparative means to state the structure of true democracy in a way that allows us to represent a) how chaos, specially manufactured chaos, can actually be targeted specifically to influence, and to even shift normal democratic outcomes; and b) to use the same framework to highlight that with limited or no chaos we should always expect a normal democratic outcome.

Keyword: Majority rule, complacency, partial complacency, full complacency, democratic outcomes, normal democratic outcomes, extreme democratic outcomes, true majority complacency, true minority complacency, full participation assumption, full voting assumption, complacency assumption, chaos, manufactured chaos, targeted chaos, BREXIT, USEXIT.

Bruno Jossa

Institution /Università of Naples, via Mezzocannone 16

ABSTRACT: A historical materialist argues that the socio-political structure of society, the ideals and policies of a nation and the distinctive facets of a civilization are mainly shaped by the structural conditions under which production is carried on. Put differently, a historical materialist thinks of the socio-political structure of society, the ideals and policies of a nation and the distinctive facets of a civilization as mainly shaped by the conditions of production. This paper analyses this issue against the backdrop of the contractual origin of the firm as theorised in Alchian and Demsetz, 1972. According to the author, an employee-managed system is a new production mode with a distinctive potential for outperforming capitalism which, contrary to AD’s opinion, has failed to materialise because of the predominance of economics over politics – in full accord with the core assumption behind the materialist conception of history. An issue discussed is also the cultural roots of historical materialism.

Keyword: historical materialism, cooperative frms, method.

Alabi F.A(MSc), David J.O,(MSc) and Aderinto O.C.(MSc)

Department of Business Administration,Bowen University,Iwo,Nigeria

ABSTRACT: This academic study evaluates the impact of government policies on business growth of small and medium enterprises that operates in six states that made up the South-west geopolitical zone of Nigeria. The study adopted descriptive ex-post facto type and involved both primary and secondary data. The researcher used stratified sampling technique for determination of exact sample population to use for the study. Structured questionnaires were used as the main tools data collection. Both the descriptive and inferential analytical techniques of the SPSS packaged were used to analyze the data obtained from the respondents. The result of this research shows that there is a significant relationship between government policy and business growth of Small and Medium Enterprises (SMEs) in South Western Nigeria. These results indicate the need for the Nigeria government to formulate and implement policies that will help ensure the optimal performance and subsequent survival of small scale businesses in the country. Furthermore, the country’s monetary policies and macroeconomic indicators ought to be modified, to become more suitable for SMEs operating in the country. It is also important for the various levels of government in the country to embark on the massive infrastructural development.

Keyword:SME,policies.Bussiness,government,growth,southwest,nigeria

AKINREMI, Michael Oluwadurotimi AND ADEDEJI Abosede O. (Ph.D)

Department of Project Management Technology & Department of Business Administration School of Management Technology, The Federal University of Technology, Akure, Nigeria.

ABSTRACT: This study assessed the effects of talent management on the performance of deposit money banks in Akure, Ondo State, Nigeria. The study objectives investigate the talent management practices adopted by deposit money banks in the study area and examine the effect of talent management on employee performance in deposit money banks. Descriptive statistics and appropriate inferential statistics were employed for the data analysis. The findings revealed that talent strategy is embedded in the overall strategic plan of deposit money bank with mean value of (3.65), right people with right skills are put in the right places have a mean value of (4.10) and also, talent management planning in deposit money bank is a long-term focus has a mean value of (3.81). The hypothesis testing using Pearson correlation table between talent management and employee performance. It shows that, there is positive correlation values (0.618, 0.622, 0.578, 0.672, 0.715, 0.635, 0.568 and 0.608) between talent management and factors that determine employee performance in a deposit money bank. The study concludes that there is a strong relationship between talent management and employee performance in deposit money bank and thus it must be properly managed in order to improve employee’s performance. The study recommended that strategies used in retaining talented employee in deposit money banks must be improved upon and must be a long-term focus of every deposit money banks in the study area.

Keyword: Talent management, Deposit money banks, Organisation, Performance.

Sandhya S. J. Research*, & C. A. Somashekarappa**

*Doctoral fellow, ** Senior Professor of Sociology, Karnatak University, Dharwad, India.

ABSTRACT: Marriage is the basis of fundamental social relations. It promotes constituting a family which is the basic unit of human organization. Marriage is the bonding between people by social union or legal contract. Marriage is when two people have a wedding ceremony to exchange vows before god and their family. Different cultures have their own concept of marriage. People enter into marriage for different regions. These reasons may include social, economical, religious, emotional or legal reasons. This study was designed to explore the preferred characteristics of mate selection among college students. Using simple random sampling, 2624 college students were selected of which 1081 boys and 1543 girls studying only in final year degree in colleges in sampled study area of Bagalkot in Karnataka through questionnaire. The study being exploratory in nature, findings are presented in simple percentages. The findings show a trend of homogomy among college students in mate selection. However, there is consistency observed with the prior researchers. The influence of family structure, functioning and prospects are the preferences for a potential mate seeking found on a highly dominated factor.

Keyword: Marriage, Mate Selection preference family structure, Homogomy.

Sandhya S. J. Research*, & C. A. Somashekarappa**

*Doctoral fellow, ** Senior Professor of Sociology, Karnatak University, Dharwad, India.

ABSTRACT: The caste and religion based discrimination are great obstacles to social developments and motivational progress in India. Marriage as a sacred institution binds the partners in a pious relation. Marriage within the caste endogamy is the general norm of Indian society. When we talk about marriages, which are Intercaste and inter religious, it seems a taboo to most of the people. However, with the changing time things have changed considerably in the social world of the society. Inter-caste marriage became a part of social reality in the society. Customs and religious practices were so strict and merciless that even sometimes the boy and girl were hacked to death by their parents due to the pressure from their kith and kin and caste associations. We can see Inter-caste marriages taking place mostly in towns and cities. In the country side we have yet to go a long way to see the phenomena of inter-caste marriage becomes a reality. Inter-caste and inter religious marriages even among college students is still not considered in large scale.

Keyword:Caste, inter-caste, religion, marriage, education.