Journal of Business

Adaptability of Mobile Applications in the Kurdistan Region of Iraq

Lona Diyar Latif — 2023-09-12

The use of mobile phones and mobile applications is growing significantly due to its ease of use and easy access, so we need continuous and new research to keep up with changes and meet user expectations. All this can change the way marketing, education and all other sectors. This study will generally investigate the use of applications in the Kurdistan Region, and several sectors have been identified for this study such as, restaurant, hospital, jewelry, dress shop, bank. How easy they are for people to use and how they work. We also refer to the switching costs in the sections, how much the user stays on the choice of product or service, and for which product or service the customer stays longer depending on the location or brand chosen.

Foreign Debt and Infrastructural Development in Nigeria

Mayowa Ebenezer ARIYIBI — 2023-09-12

Despite, the external loans the Nigerian government has been receiving all this while, Nigeria continues to record a high rate of unemployment among the active labor force, high poverty rate, low per capita income, inadequate power, and water supply, inadequate social amenities, bad road network, high budget deficit, high rate of corruption in all government parastatal. Hence, this study examined the effect of foreign debts on Nigeria's Infrastructural developments. The study made use of Auto-regressive Distributed Lag (ARDL), using annual time series from 1983-2019. Collected from CBN statistical bulletin, National Bureau Statistics (NBS), World Development Indicators (WDI) databank, and UNCTAD Database. The ARDL long-run coefficient reveals that BMFI and BBFI have a negative and positive insignificant and significant effect on INFRA in Nigeria, while the control variables of FDI and TOPEN has a positive and negative significant effect on INFRA in NigeriaThe findings give credence to the dual gap theory postulation, that external debt is a phenomenon that can improve the level of growth of an economy. Conclusively, the government should make sure that the foreign debt received from international organizations is used for the infrastructural development in the country and proffer policies and innovations that will help in recovering the foreign debts in the country.

Effect of Financial Literacy on Financial Well-Being in Georgia

Metin Mercan — 2023-10-12

Making correct financial decisions requires a certain level of financial literacy, namely knowledge of different financial products and services and planning and managing personal finances, among others. While people with low to no financial literacy tend to have higher costs, like higher interest rate on their credits, a financially literate person is more likely to use financial services more cheaply and efficiently. This study evaluates the influence of a number of socio economic and demographic factors like age, gender, income and education on level of financial literacy of people in Georgia, and the relationship between financial knowledge, financial attitude, and well-being.