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Universities, Entrepreneurship and Enterprise Development in Africa – Conference Proceedings 2020
(2021)
These proceedings are the outcome of the 8th annual joint conference on "Universities Entrepreneurship and Enterprise Development in Africa" between the University of Cape Coast, Ghana and Hochschule Bonn-Rhein-Sieg University of Applied Sciences, Germany, held on 19-20 February 2020 on Campus Sankt Augustin, Hochschule Bonn-Rhein-Sieg University of Applied Sciences.
Do socio-economic factors impede the engagement in online banking transactions? Evidence from Ghana
(2020)
Researchers have long pondered on the online banking transaction adoption. Some of these studies focus primarily on the motivating factors that affect customers’ intention to adopt/accept these services (technologies). However, research into the constraining factors, in particular socio-economic factors, barely exist in the literature, especially in the context of sub-Saharan Africa. Against this background, the paper seeks to fill in this gap by: (1) assessing the socio-economic factors impeding the engagement of e-banking transactions among retail bank customers in Ghana, and (2) examining the moderating effect of ‘customer experience of Internet’ on the identified factors that inhibit the engagement in online banking in Ghana. The paper used a quantitative research approach to obtain data from two leading Ghanaian banks. Out of the 450 questionnaires distributed, 393 were valid for analysis. Data were analyzed with the aid of PLS-SEM (partial least squares and structural equation modeling). Findings revealed that perceived knowledge gap and the price of digital devices were directly important to the intention to disembark on e-banking transactions among Ghanaian bank customers. Whilst customer experience (frequent use of the Internet), as a moderator variable, has a significant effect on the interaction between perceived knowledge gap and the intent to disembark on e-banking transactions; and finance charges and the intent to disembark on e-banking transactions. Study implications and directions for future research are discussed in the paper.
Until recently, studies regarding e-banking transactions have focused more on motivational factors that trigger the intention to accept and use the e-banking transaction, rather than the de-motivational factors that propel the action. However, in the developing countries like Sub-Sahara economies, the factors associated with the former have not been explored and are still rudimentary in the literature. Drawing from the Technology Threat Avoidance Theory (TTAT), the study seeks to examine the impact of online identity theft on customers’ willingness to engage in e-banking transactions in Ghana. A quantitative survey of 393 valid responses from retail bank customers amongst two leading commercial banks in Ghana for the analyses. Results from the PLS-SEM showed that the research constructs; perceived online identity theft’ positively and significantly predict “fear of financial loss”, “fear of reputational damage”, and “security and privacy concern” whilst the former has a negative mediated-relationship between perceived online identity theft and the intention to engage in e-banking transaction. This study is the first of its kind that has extended the application of the TTAT framework into the study of e-banking transactions. The study serves as a practical tool that will enable the banks in their quest to assess customers’ restriction/aversion towards the use of Fintech while ensuring sustainable growth of e-banking transactions in an emerging economy context. The study is limited to only banking institutions in Ghana without considering other players in the financial sub-sector. Future research direction has been suggested in the concluding part of the paper.
Social cash transfers (SCTs) are considered a priority in least-developed countries, where the gap between the need for basic social protection and existing provisions is greatest. This study represents one of the first comprehensive treatments of the impact of social cash transfers in low-income sub-Saharan Africa, and the first for Zambia's oldest SCT scheme. The results, based on propensity score matching and fully efficient odds-weighted regression, and data from the Kalomo SCT pilot scheme, confirm positive SCT effects on per capita consumption expenditure. We also discover threshold effects with SCT mostly impacting food expenditure among poorer beneficiary households and non-food expenditure among wealthier beneficiaries.
İnsanlar yeryüzünün doğal kaynaklarını onun bunları yenileyebileceğinden daha hızlı tüketmektedirler. İnsanların bu tutumlarının bedelini gelecek kuşaklar ödeyeceklerdir. Gelecek kuşaklara bu bedeli ödetmemek için artık parasal kârları ençoklamak, niceliksel olarak büyümek ve bolluk yaratmak doğrultusunda işleyen şimdiki ekonomik faaliyetleri bir başka biçime dönüştürmek kaçınılmazdır. Peren Teoremi göstermektedir ki Dünya örneğinde de olduğu gibi kapalı bir sistem doğal kaynak tüketimi eş düzeyde bir doğal kaynak üretimi ile yaşayabilir. Üretim ile tüketim arasındaki denge çok uzun bir süre bozulursa gezegen doğal bir ölüm ile karşılaşır. Bunu sağlamak üzere Dünya üzerinde yaşayan ve/veya dünya sayesinde yaşayan tüm insanların kişi başına doğal kaynak tüketimlerini artan küresel nüfusla orantılı bir biçimde azaltmak gerekir.
Die vergangene Forschung zeigte, dass Werte und Persönlichkeitseigenschaften von (potentiellen) Arbeitnehmern die wahrgenommene Attraktivität bestimmter Arbeitgebermerkmale wie der Corporate Social Responsibility (CSR) beeinflussen. Weitere Forschung wird hingegen benötigt, um die in diesem Zusammenhang relevanten Persönlichkeitsmerkmale zu identifizieren. Diese Studie zielt darauf ab, die Werte und Persönlichkeitseigenschaften zu ermitteln, welche die unterschiedliche Attraktivität von CSR und weiteren Arbeitgebermerkmalen, die sich nicht auf die CSR beziehen, erklären können. Dazu bewerteten (potentielle) Arbeitnehmer (N = 145) auf zwei eigenentwickelten Skalen sowohl CSR-basierte Faktoren der Arbeitgeberattraktivität (z.B. Wassersparen) als auch Nicht-CSR-basierte Faktoren der Arbeitgeberattraktivität (z.B. erwünschte Unternehmenslage) hinsichtlich ihrer Wichtigkeit. Für die CSR-basierte Arbeitgeberattraktivität konnten unter Kontrolle der Big-Five hypothesenkonform die Wertedimension Selbst-Überwindung, die Persönlichkeitsdimension Communion und die prosoziale Persönlichkeit als Prädiktoren identifiziert werden. Die Wertedimensionen Selbst-Erhöhung und Selbst-Überwindung sowie die Persönlichkeitsdimensionen Agency und Communion leisten – ebenfalls über die Big-Five hinaus – einen bedeutenden Beitrag zur Vorhersage der Nicht-CSR-basierten Arbeitgeberattraktivität.
In recent years, there has been a growing interest in the start-up scene in sub-Saharan Africa. "Silicon Savannah" is today widely used to describe the thriving IT industry in and around Nairobi. Kenya's geographical advantage, its favorable economic reforms, and mature start-up ecosystem makes it stands out positively. Since a lot of hype exists around the start-up scene many investors are drawn to it, but in reality very few start-ups are investment-ready. The increasing start-up requirements and needs force incubators to diversify their offer. In contrast, to traditional incubators, an Innovation Hub (Hub) is characterized based on the concept of open innovation and collaboration. A Hub nurtures an enabling environment where a community of entrepreneurs can grow. At the same time, it serves as a nexus point for the local start-up community, investors, academia, technology companies and the wider private sector. It aims to create a structure where people serendipitously interact with others that they would not typically meet. Considering the great interest for and the large amounts of money invested in Hubs by governments, universities, private companies and other interested parties, not only researchers have been raising the question of the actual benefit of Hubs. This research study aims to investigate to what extent the support offered by the Hubs is tackling the challenges faced by start-ups in Nairobi, Kenya. The analysis can serve as a basis for identifying strength and weaknesses in the Hub models.
These times are very troubled ones. Not only do wars and political unrest seem to prevail in different regions of the world, but, corruption and fraud have reached an incredible dimension, too. It seems that societies have, to a large extent, lost values in which they had formerly believed in. These issues may be the background why at the moment Corporate Social Responsibility (CSR) as a voluntary commitment is discussed in public that intensively. However, one gets the impression that this rather often seems to be superficial. Therefore, it is time to do some in-depth research to identify whether there is real substance behind these discussions or not. Latin America is a big continent with a greater number of countries which are running through difficult times as to corruption and fraud. Consequently, the author studied the policy of the central employers association Consejo Empresarial de America Latina (CEAL) with respect to the role of CSR. On the basis of statements, news and results of studies being regularly published, conclusions were drawn to which extent social and environmental aspects, along the line of ISO 26000, are playing a relevant role.
In order to avoid a too narrow view of the issue, a holistic approach concerning the generalsituation of Latin America has been selected using parameters such as economic growth, increase of population, poverty, inequality, and the global responsibility for environment. Furthermore, apart from the central organization CEAL, regional and national institutions with a specific mission for spreading and implementing CSR and two communal projects were analyzed as well. The conclusion of the paper is that there are some CSR "lighthouses" but an urgent need exists to spread the idea of CSR more intensively across the continent. Corresponding recommendations about how to increase the relevance of CSR in Latin America are given at the end of the paper.
Wissen für die Wirtschaft
(2017)
Es gehörte zum Gründungsauftrag der Hochschule Bonn-Rhein-Sieg, Wissenschaft und Wirtschaft zusammenzubringen und gemeinsam Neues zu entwickeln. Die hier vorgestellte Broschüre ist vor allem als Anregung gedacht: Sie zeigt, welche Erfolge aus einer Zusammenarbeit erwachsen und erleichtert es Unternehmen, den ersten Schritt hin zu einer Kooperation mit der H-BRS zu gehen.
Die Vorteile, Nutzer aktiv, früh und langfristig in ntwicklungsprozesse zu integrieren, um Fehlentwicklungen zu vermeiden und Nutzerbedürfnisse zu adressieren, sind nicht nur in der akademischen Forschung bekannt. Prozesse und Strukturen in Unternehmen der IKT-Branche sind bereits häufig agil implementiert. Dennoch schaffen es kleine und mittlere Unternehmen (KMU) oftmals nicht, die Potentiale einer Nutzerintegration konsequent auszuschöpfen. In Fallstudien wurden drei unterschiedliche KMU analysiert, wie sie die Stimme des Nutzers im Entwicklungsprozess berücksichtigen. Unterschiedliche Strategien der Nutzerintegration, die sich in Rollen und Werkzeugen, in Anforderungen und Problemen an das Nutzersample, Methoden und Datenaufbereitung widerspiegeln, werden beleuchtet. Unser Beitrag soll helfen, Herausforderungen und Probleme von KMU auf der Suche nach angemessenen und passgenauen Wegen der Nutzerintegration zu verstehen und Lösungen zu gestalten.