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International Journal of Business, Economics, and Social Development
Published by Research Collaboration Community
ISSN : 27221164     EISSN : 27221156     DOI : https://doi.org/10.46336/ijbesd
Core Subject : Economy, Humanities, Education, Social,
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International Journal of Business, Economics and Social Development (IJBESD) is published 4 (four) times a year and is the flagship journal of the Research Collaboration Community (RCC). It is the aim of IJBESD to present papers which cover the theory, practice, history or methodology of Business, Economics and Social Development. However, since Business, Economics and Social Development are primarily an applied science, it is a major objective of the journal to attract and publish accounts of good, practical case studies. Consequently, papers illustrating applications of Business, Economics and Social Development to real problems are especially welcome. GENERAL BUSINESS AND MANAGEMENT e-Business International Business Business Strategy Marketing Supply Chain Management Organization Studies Entrepreneurship and Business Development Enterprise Innovation Human Resource Management Business Ethics Business Economics Business Communication Business Finance International Business and Marketing Organizational Development and Challenges Leadership and Corporate Governance Tourism Operations Management Human Resources Economics Regional Economics Industrial Economics Financial Economics Labor Economics Law and Economics Regulatory Economics Economic Growth and Development Policy Technological Change, Innovation Research and Development Economic Systems GENERAL ECONOMICS Economic Methodology Schools of Economics Production and Organizations Market Structure and Pricing Welfare Economics Public Finance & Public Choice Prices, Business Fluctuations Economic Policy International Finance International Economics Institutional & Corporate Finance Accounting Insurance and Risk Management Monetary Banking Marketing Management Issues Innovation and Change Management Banking and Finance Natural Resource Economics Microeconomics Economics in Development and Sustainability Issues Comparative Economic Systems Stock Exchange Business Economics Capital Market Macroeconomics Economics Theory and Policy Issues Energy Economics and Policy Monetary Economics Public Economics Other areas of Economics COMMUNITY DEVELOPMENT Social Work Health and Sport Sciences Human Development Quality of Life Psychology Communication Public Administration Leadership Style Sociology Anthropology Religious Studies Civilizations Social Innovation Other areas of Social Studies and Art & Humanities Political Science Public Policy Political Psychology Protection of Children and Women Political Party System Education Social Sciences Education Science Education Pre-School Education Measurement and Evaluation Talent Development Education Management Education technology Street Children Education Ethnoscience and many more
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 17 Documents
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Search results for , issue "Vol. 6 No. 1 (2025)" : 17 Documents clear
Empirical Analysis of the AfCFTA in the SADC Region: Evidence using the PPML Estimation Technique Chiranga, Ngonidzashe
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.700

Abstract

The challenges that small countries in the Southern African Development Community (SADC) face towards the successful implementation of the Africa Continental Free Trade Agreement (AfCFTA) have not been adequately empirically tested to establish if there is scope for mutually beneficial trade among the countries as advocated by AfCFTA’s intra-regional trade promotion. This study employs the gravity model of trade theory. The main objective of this paper is to empirically test if there are mutual gains from intra-regional trade for small countries in the SADC region that face several political, legal, economic, and institutional challenges toward the successful implementation of AfCFTA. This study utilised a modified structural gravity model estimated using the Poisson Pseudo-Maximum-Likelihood (PPML) approach. A balanced panel data from a set of select nine SADC countries over the period 2010-2022 is used. The study finds that distance negatively and significantly affects bilateral trade. In addition, overlapping Regional Economic Community (REC) membership positively influences bilateral trade for small landlocked SADC countries and island nations that have a high trade presence in the region. However, after considering agricultural-dependent nations, overlapping REC membership has a trade-reducing impact. Furthermore, poor institutional quality at the destination country was found to reduce bilateral trade negatively and significantly which eventually increased the overall trade costs. The study recommends AfCFTA members diversify their exports and add value to their agriculture products to adequately benefit from the agreement.
Nature and Extent of COVID-19 Challenges Among Small, Medium, and Micro Enterprises in Botswana. CHAURURA, PEARSON
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.741

Abstract

Small, Medium, and Micro Enterprises (SMMEs) make significant contribution to economic growth in both developed and developing economies. In Botswana, the government has made extensive investment in the SMME sector, but the expected returns are compromised by poor performance and business failure among SMMEs. This problem is amplified during crises as they bring various challenges to the sector. This study used the recent COVID-19 pandemic as a proxy to identify and evaluate the nature and extent of challenges faced by SMMEs in Botswana during crisis times. A mixed methods approach was employed to collect data from 250 SMMEs in Gaborone, Francistown and surrounding areas. SPSS and manual coding and thematic analysis were used to analyse the data. It was found that SMMEs in Botswana encountered several challenges the most important being financial (75.4%), technological (74.4%), and human resource (68.8%) challenges. Specifically, these were drop in sales/business (89.2%), need for accelerated digitisation (45.8%), and capacity to ensure the well-being of employees (58.4%). Additionally, there were challenges with accessing and utilising government programmes despite a high level of awareness among SMMEs. Some challenges showed significant association with SMME industry sectors implying their potential importance in some sectors compared to others. The dominance of financial, technological, and human resource challenges may underscore the central role they play in SMME operations. It is not enough for governments to avail resources, programmes, policies and frameworks in support of SMMEs. More needs to be done to promote their access, uptake, and utilisation.
Contribution of Highland Bamboo for Income of the Households and Challenges in Gurage zone, Central Ethiopia Hailu, Hiwot; Girma, Gonche; Ababu, Tesfanesh; Abate, Tensaye; Abebe, Mister
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.752

Abstract

Bamboo resource has numerous socioeconomic, ecological and cultural benefits. In Ethiopia, local farmers rely on bamboo as an alternative livelihood option. It provides a considerable share for the various household incomes. The main purpose of this study was to assess challenges and the contribution of bamboo for income of the households in Gurage Zone, across central Ethiopia. A sample of 216 households, were selected by using multistage sampling procedure. Data was collected through household survey, focus group discussion and review of reports. Descriptive, frequency and multiple linear regression model methods were used to estimate the contribution of bamboo and to identify determinants bamboo production. The finding revealed that respondents were highly relying on bamboo for household use, construction, fuel wood, fencing and fodder for livestock. The result of bamboo income share shows that, 14% Bamboo can contribute to the total income of the households. Income from bamboo ranks third next to crop and livestock production. The result of multiple linear regression model revealed that, Educational level of household head and Distance to the market were negatively affect income generated from bamboo. In contrast, the culm price Bamboo was positively and significantly affect income generated from bamboo production. Market related and knowledge on bamboo production and processing were the most challenges identified by the households. Bamboo contributes a remarkable income share for households in the study area. Creating conducive production environment for the bamboo sector plays a vital role to improve the income and livelihood of farmers.
Effect of E-procurement on Performance of Construction projects of Counties in Lake Region Economic Bloc, Kenya. WALUBENGO, KENNEDY WANDERA
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.868

Abstract

E-procurement is the use of ICT capabilities to decrease the human contact in procurement operations. E-procurement enables users to find goods in electronic catalogs, generate orders, route them for approval, create and transmit orders to suppliers, and automate the invoicing and payment process. The study's major goal was to look at the impact of E-procurement on the performance of construction projects in Kenya's Lake Region Economic Bloc counties. The study used an explanatory research design. A stratified random sampling approach was employed to choose 342 respondents from a target group of 2,346 County officers. Primary data were gathered through interviews and questionnaires. Data was analyzed for inferential as well as descriptive statistics using SPSS version 26 and theme analysis, respectively. E-procurement was established to be a strong predictor of the success of building projects in the Lake Region Economic Bloc counties. Electronic procurement can account for up to 76.2% of the variation in construction project performance (R2=0.762, P
Estimation Model of Pure Health Insurance Premiums in Southeast America Using Generalized Linear Model (GLM) with Gamma Distribution Putri, Aulya
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.873

Abstract

Health insurance premiums are on the rise due to increasing medical costs, inflation, and the lingering effects of the COVID-19 pandemic. Accurate premium pricing is crucial for insurance companies to maintain financial stability and offer fair rates to policyholders. Generalized Linear Models (GLM) have been widely used in actuarial science for modeling insurance premiums. This study proposes the use of GLM with a Gamma distribution to model health insurance premiums. The Gamma distribution is suitable for non-negative and positively skewed data, which is characteristic of insurance claim amounts. By analyzing historical data from a Southeast United State insurance company, we aim to identify key factors influencing premium pricing and develop a robust premium model. The model will consider factors such as age, gender, BMI, number of children, and smoking status to predict individual risk profiles and determine appropriate premiums. Our findings indicate that age and smoking status are the most significant factors affecting premium rates. Older individuals and smokers tend to have higher premiums due to their increased risk of health issues. Gender and BMI, however, were found to have no significant impact on premium pricing in this specific dataset. Insurance companies can use the identified factors (age, smoking status, etc.) to create more precise risk profiles for their policyholders.
Calculation of Premium Reserve Value in Whole Life Insurance Using the New Jersey Method Farida, Nur Rizky
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.874

Abstract

Analysis of Financial Distress in Telecommunication Companies in Indonesia Using the Ohlson O-Score and Zmijewski Methods Bayyinah, Ayyinah Nur
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.875

Abstract

Currently, major telecommunication sub-sector companies in Indonesia are experiencing rapid growth and have become dominant players in the market. However, not all telecommunication companies are profitable, as some dominant subsidiaries have experienced declining profits or losses, potentially leading to financial distress. Financial distress is a condition where a company is unable to meet its current obligations, such as trade payables, tax liabilities, and short-term debts. This study aims to analyze and evaluate the accuracy of the Ohlson O-Score and Zmijewski methods in detecting financial distress in telecommunication companies in Indonesia. The data used in this study are historical financial data from several telecommunication companies listed on the Indonesia Stock Exchange. The results show that the Ohlson O-Score is effective in early detection of potential financial distress, while the Zmijewski method is more effective in evaluating companies already in critical financial conditions.
Calculation of Aggregate Accident Claims Based on the Number and Magnitude of Accident Losses in Indonesia from 2013 to 2022 Siahaan, Roy Donald Pangeran
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.876

Abstract

Accident losses are unavoidable when accidents occur. Data from the Indonesian Central Bureau of Statistics (BPS) show an increasing trend in accident claim amounts in recent years. This study aims to calculate aggregate accident claims based on the number and magnitude of accident losses in Indonesia from 2013 to 2022, enabling insurance companies or entities covering such losses to estimate the total liability required for all accident claims. The Generalized Extreme Value (GEV) distribution was applied to model claim amounts, while the negative binomial distribution was used for the number of accidents. The results show that the expected value of aggregate claims is IDR 236,768,463,076.93, with a variance of 7.28 × 10²⁰. The findings indicate that these distributions are suitable for modeling aggregate claims, providing insights for determining appropriate insurance premiums.
Determination of Collective Premiums for Seven Benefits of BPJS Employment Insurance JKK Program Using Poisson-Normal Aggregate Distribution Maghfirani, Nazla Aqira; Hidayana, Rizki Apriva
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.877

Abstract

Work Accident Insurance (JKK) is one of the programs of the Social Security Administering Agency (BPJS) for Employment. Insurance brokers need to make an initial estimate of the premium to determine the collective premium for JKK. Premium calculations can be done using the aggregate distribution method. The total loss of the insurance policy can be owned by the random variable of the aggregate distribution. In calculating the premium using the aggregate distribution, one of the principles that can be used is the standard deviation principle. Based on this principle, the amount of the premium can be calculated by the standard deviation of the aggregate distribution. This study uses the aggregate Poisson-Normal distribution to calculate the collective premium based on the seven benefits of the JKK BPJS Ketenagakerjaan Bojongsoang program. The data used are the number of claim events and the number of claims from the seven benefit claims of JKK BPJS Ketenagakerjaan Bojongsoang participants for the 2022 period. The principle used in calculating the collective premium with the aggregate distribution is the standard deviation principle. The results of the analysis show that the Poisson distribution is followed by claim frequency data and the Normal distribution is followed by the amount of the claim. This study shows that the amount of collective premium calculated tends to be greater than the amount of collective premium sourced from existing data of BPJS Ketenagakerjaan Bojongsoang company. It is expected for insurance brokers and insurance companies to consider this study.
An Examination The Factors Of Share Investment Decisions : The Mediating Role Of Behavioral Finance Cirebon Society Sugianto, Alya Nurlaella; Mardiyani, Mardiyani
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.878

Abstract

This study aims to analyze the effect of financial literacy, financial technology, on stock investment decisions in the millennial generation in Cirebon Regency, with financial behavior as a mediating variable. This research uses a quantitative approach with a causal associative method. The research sample of 150 respondents was taken using purposive sampling technique. The data analysis technique uses statistical methods with Partial Least Squares-Structural Equation Modeling (PLS-SEM) with the Smart-PLS 4 application. The results showed that financial literacy has no direct effect on stock investment decisions. Meanwhile, financial technology has a significant influence on investment decisions, due to easy access and innovative features that facilitate decision making. Financial literacy and financial technology also have a significant effect on financial behavior, where individuals with good financial understanding are better able to manage finances efficiently. Financial behavior is proven to be able to mediate the effect of financial literacy and financial technology on stock investment decisions. The conclusion of this study emphasizes the importance of improving financial literacy and utilizing financial technology to support healthy financial behavior, so that millennials can make smarter investment decisions. The results show that the ease of access offered by financial technology, along with healthy financial behavior, are key factors that encourage millennials to invest in the stock market. Therefore, efforts are needed to improve financial literacy, develop innovations in financial technology, and encourage the formation of good financial habits to increase the participation of millennials in the capital market.

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