Volume 5 Issue 3 May-June 2023

This article proves that intellectual intelligence is able to moderate the effect of financial skills and financial planning on women’s financial literacy capacity. The sample in this study consisted of 430 respondents from women in Indonesia. Data analysis using structural equation modeling partial least squares (PLS-SEM). Based on the results of the study, shows that financial skills have a significant effect on women’s financial literacy capacity which is moderated by intellectual intelligence and financial planning has a significant effect on women’s financial literacy capacity which is moderated by intellectual intelligence. The results of this study recommend that for women if they want to increase their financial literacy capacity, the main strategy that must be applied is to have good financial skills and financial planning and be strengthened by having adequate intellectual intelligence. Improving the financial literacy capacity of women is believed to be able to help increase the percentage of women’s financial literacy index in Indonesia and to equalize the gender gap.

Despite no consensus among economists on the threshold limit of the current account deficit, an ever-widening current account deficit has always been an issue of concern for policymakers. An imbalance in merchandise trade that is not covered by invisible earnings leads to current account deficits. With the exception of a few years, the Indian economy has faced deficits in its current account since the 1980s due to excessive imports accompanied by sluggish growth in exports. A large current account deficit was a key reason among many for the severe balance of payments crisis in 1991. Having no other options in sight, the country resorted to economic reforms on a massive scale in subsequent years. With economic reforms and judicious external sector policies, the country became resilient on the external front in the late 1990s. Moreover, the government realized a current account surplus for three consecutive years, i.e., from 2001-02 to 2003-04 and the current account deficit was not a cause of concern for policymakers until the advent of the global financial crisis in 2008-09. The present paper discusses the trend and composition of India’s current account since the 1990s, the reasons for expanding the current account deficit, and policy responses by the government to make the current account sustainable.

Customer relationship management measures adopted by various insurance companies such as shared values, trust, and communication aimed at influencing consumer’s interests are still not satisfied with the activities of the insurance companies. This study, therefore, tries to investigate the impact of relationship management on consumer satisfaction using the survey research design method and Kruskal-Wallis as the statistical tool for testing the hypothesis. Structured questionnaires were administered to 277 customers of the insurance companies to generate data for the study. Findings from the study revealed that trust has a significant impact on customer satisfaction with insurance services. Communication was found to have no significant impact on customer satisfaction with insurance services. Shared value was also found to have a positive and significant impact on customer satisfaction with insurance services. Based on these findings, the study recommends that insurance companies should enhance the process and procedures of communicating directly with their customers which can foster relationship management and customer satisfaction. This would help sustain the trust customers have in the services of insurance companies. In order to enhance customer satisfaction and decrease customer loss, companies should focus on sustaining effective communication that aims to seek, gather and store the right information, validate, and share it with its entire organization in order to create a unique experience and deliver quality services. There is a need for organizations especially insurance companies to have a sustainable and effective shared value service with their customers so as to sustain their satisfaction with the company’s services and obtain a competitive advantage over their competitors.

This study ascertained the effect of Proper Disclosure of Human Resource Costs on the Profitability of quoted industrial goods firms in Nigeria from 2008-2022. Specifically, this study aimed to ascertain the effect of staff cost on return on assets, return on capital employed, and net profit margin. This study was anchored on knowledge-based theory. A purposive sampling technique was adopted to select nine (9) quoted industrial goods firms from a population of thirteen (13) quoted industrial goods firms in Nigeria. This study utilized secondary data from sample firms’ financial statements, hence, the ex-post facto research design was employed. Pearson coefficient correlation was employed to determine the nature and strength of the relationship between the dependent and independent variables of the study, while, simple linear regression analysis was adopted to determine the extent and level of significance at which human disclosure affects profitability with the aid of E-View 10.0 statistical software. The study found that staff cost has a significant positive effect on return on assets, return on capital employed, and net profit margin at a 5% level of significance respectively. It was recommended inter alia that industrial goods firms in Nigeria should make an effort to increase their commitment to staff development such as education and training in order to improve their profitability.

This study aims to research the effect of brand image and digital marketing on repurchase intention with lifestyle as a moderating variable. The population was reached with a sample of 300 respondents who are Mixue Indonesia customers with an age range of 10-25 years old. Purposive sampling was used to distribute questionnaires in the form of a Google form. The data processing method uses SmartPLS software to prove the truth of a hypothesis. The results of this study indicate that brand image, digital marketing, and lifestyle have a positive and significant effect on repurchase intention, but lifestyle is unable to moderate the influence of brand image on repurchase intention, and lifestyle is also unable to moderate the influence of digital marketing on repurchase intention. This research provides recommendations to the owners of the Mixue franchise regarding the steps that must be taken to create new innovations that can support the fulfillment of the consumer’s consumptive lifestyle. In addition, a good brand image for the company also needs to be improved because referring to the opinions of respondents in this study, there are still many consumers who do not know Mixue well so they have not increased maximum buying interest. Mixue is also expected to improve the quality of digital marketing so that consumers are interested in buying again.

The technological world is fully based on a new device for the young group, the technology must be fashioned and used at a very massive level. The general people want to be prosperous level with having their product contrast with others. The same kinds of groups are required the well one technology in their lifestyle, and the level of technology to wide-ranging from one to one. The expose contains the electric two-wheelers are the significant transport vehicle in the theater86 of marketing and also the promotions. The facts of introduction, objectives, scope, limitations, and the chi-square test of the tools used. The findings and suggestions are framed only on the basis of respondent thoughts and also the conclusion is based on a total of the respondent’s expectations with the new way of approach.

The conversion of horticultural products into food, or one kind of food into another, is known as food processing. Food processing assists in reducing negative food changes over time, pleasing customers with flavors, tastes, and colors, catering to cultural beliefs, empowering women, and providing choice, knowledge, and convenience to health-conscious customers. There are various sectors in the food processing industry including fruits and vegetables processing, milk processing, sugar processing, cereal processing etc. The nutritional security of processed food can include four basic issues i.e., food availability, food accessibility, food utilization, and food stability. The study aims to identify the status of food processing industries in terms of their production, employment, and number of units established in India. The study also tries to find out the extent to which food processing units play a role in achieving nutritional security among people in India. To achieve these objectives, the study collected data from various secondary sources including reliable data available in published and unpublished books, reports, journals, newspapers, and different research sites. Appropriate statistical tools are used to show the increase in the number of food processing units, number of persons engaged, and total output in various subsectors of food processing industries in India. The requisite regression equations are also calculated in the study which shows that the growth in the number of units and employment is positively related to output levels of food processing units in India. Results by applying tests of significance show that there is a strong association between two attributes viz. imports and exports of processed products in India. Thus, we can conclude that India is self-sufficient in making processed products from different subsectors of food processing on the one hand and in achieving nutritional security (food availability, accessibility, utilization, and stability) among the people of India on the other.

The purpose of this study is to explore the travel decision-making of a specific type of traveler, adult-children, and their aged parents. The study examines the impact of an age-friendly environment and perceived value on the tourist’s travel intention. The results show that in addition to the significant impact of perceived value on tourism intentions, age-friendly environmental design has also been confirmed to play a mediating role between the above two dimensions. This phenomenon indicates that good age-friendly environmental design is indeed a key factor in adult-child and parent travel decision-making.