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All Journal International Journal of Multidisciplinary: Applied Business and Education Research
Sarmiento, Allen Grace M.
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Environmental Science Medicine & Pharmacology

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A Systematic Literature Review of Digital Transformation Sarmiento, Allen Grace M.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 5 No. 12 (2024): International Journal of Multidisciplinary: Applied Business and Education Res
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.05.12.07

Abstract

The introduction of information, technology, and innovation in goods and services is the cornerstone of success in the modern global economy. These significant digital revolution shifts have established new digitally related practices that enhance and add value to the way businesses and organizations operate. With this, it is more crucial than ever to comprehend the potential benefits digital transformation projects may offer businesses and the economy. This study contributes to the continuous research related to digital transformation by pondering the articles about its disposition. Furthermore, this may enlighten business stakeholders and policymakers on the substance of digital transformation in the business and economy. This study presents the 20 reviewed literature precisely their basis of the sources of data, geographical settings, statistical treatment employed, distribution of geographical settings of selected studies, the variable usage for digital transformation, its parameters, and the concepts or other variables it is being related with.
The Effect of Micro-Enterprises on Poverty and Unemployment in the Philippines Sarmiento, Allen Grace M.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 6 No. 5 (2025): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.06.05.22

Abstract

The importance of micro-enterprises in economic growth cannot be overstated. Often, micro-enterprises are seen as a vital source of employment. However, the existence of poor people, as well as low educational attainment, poor health, low-level income, and an increase in the unemployment rate, remains obvious. The study investigates the effect of registered micro-enterprises on the numbers of unemployed and poor households in the Philippines. The study used panel regression as the primary statistical treatment to examine micro-enterprises effect on the number of poor households and unemployment in the 17 regions of the Philippines. The findings revealed that the number of poor households is significantly affected by the number of registered micro-enterprises under the random effect model. As for micro-enterprises effect on unemployment, the results demonstrate that the number of unemployed is considerably affected by the number of registered micro-enterprises under the fixed effect model. The study recommends promoting micro-enterprises laws, increasing financial support, and improving training programs for micro-enterprises.
Fintech for the Masses: Mapping Digital Financial Inclusion Research in Developing Countries Sarmiento, Allen Grace M.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 6 No. 10 (2025): International Journal of Multidisciplinary: Applied Business and Education Res
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.06.10.13

Abstract

Digital Financial Inclusion has emerged as a critical driver for sustainable development, leading to a rapid expansion of academic literature. However, this burgeoning work lacks a comprehensive overview, resulting in a fragmented scholarly landscape. This study addresses this gap by employing a bibliometric analysis to systematically map the intellectual structure and thematic evolution of digital financial inclusion research in developing countries. Using VOSviewer software, co-citation and co-word analysis were conducted to identify the field's foundational works and dominant research themes. The co-citation analysis reveals six influential intellectual clusters, including financial inclusion measurement, the transformative role of mobile technology, behavioral models of technology adoption, and the importance of institutional economics. The co-word analysis identifies five major thematic clusters centered on technological innovation and adoption, sustainability and human development, the evolving financial system, core digital financial inclusion mechanisms, and macroeconomic outcomes like economic growth and poverty reduction. The resulting intellectual map serves as a valuable guide for researchers to identify trends and gaps, and for policymakers to make evidence-based decisions to foster a more inclusive financial ecosystem.
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