SKILLED PLANNING AND COMMUNICATION: A SYNERGY MODEL TO IMPROVE MARKETING PERFORMANCE
Sulistiyani, Faculty of Economics and Business University of 17 Agustus 1945 Semarang, Indonesia.
MSI Journal of Economics and Business Management (MSIJEBM) | DOI https://zenodo.org/records/17720859 | Page 01 to 20
Abstract
This study aims to develop a synergistic model between innovation and learning orientation in improving marketing performance in small and medium enterprises (SMEs) based on factory waste crafts in Semarang Regency. The learning orientation approach is believed to be able to create added value by strengthening creativity, skills, and communication that are aligned with local values. This study uses a quantitative method with a causal approach through Structural Equation Modeling (SEM) analysis. Data were collected from 100 factory waste crafts respondents using a structured questionnaire. The results showed that learning orientation had a significant positive effect on innovation, skills, and communication. Furthermore, innovation was proven to be a mediating variable that strengthens the relationship between learning orientation and marketing performance. These findings confirm that integration in the organizational learning process can improve competitiveness, creativity, and marketing performance sustainably in the local creative industry.
Keywords: communication, generatif learning culture based, innovation, marketing performance, skilled planning
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FOREIGN DEBT MANAGEMENT AND NIGERIA'S DEBT PROFILE 2015-2023: A CRITICAL ANALYSIS
Samuel Asua Asua, Department of Political Science, University of Uyo, Uyo Akwa Ibom State.
Godwin Essien Urua, Department of Political Science, University of Uyo, Uyo Akwa Ibom State.
MSI Journal of Economics and Business Management (MSIJEBM) | DOI https://zenodo.org/records/17708667 | Page 01 to 35
Abstract
This study examined Nigeria’s external and domestic debt management from 1980 to 2023, focusing on the implications of the country’s increasing debt burden on its economic stability and development. By 1980, Nigeria’s external debt had reached nearly US$28 billion, largely accumulated under the import-licensing regime. The Federal Government’s domestic debt also accounted for a significant portion, representing about 60 percent of the total debt and approximately 10 percent of the country’s health and education budgets. Despite efforts to reduce the debt burden, including during President Olusegun Obasanjo’s administration in 1999, Nigeria’s debt continued to rise, with a debt-to-GDP ratio reaching 38.6 percent by 2023. By June 2023, Nigeria’s total public debt had surged to N87.38 trillion (USD 113.42 billion), comprising N54.13 trillion (USD 70.26 billion) in domestic debt and N33.25 trillion (USD 43.16 billion) in external debt. Although Nigeria experienced economic growth, persistent inflation, corruption, poor infrastructure, and ineffective policies hindered financial recovery, worsening the debt crisis. The study used a historical research design and qualitative descriptive analysis to assess Nigeria’s debt trajectory, analyzing secondary data from sources such as the Central Bank of Nigeria (CBN), the World Bank, and the Debt Management Office (DMO). The findings revealed that Nigeria’s debt crisis was driven by an overreliance on borrowing, ineffective debt management practices, and inconsistent economic policies. Despite financial reforms and debt restructuring, their impact was limited due to systemic challenges. The study recommended the adoption of a comprehensive debt management strategy, focusing on reduced borrowing reliance, improved revenue generation, better governance, and investment in critical sectors such as healthcare, education, and infrastructure to ensure sustainable economic development.
Keywords: External debt, domestic debt, debt management, economic stability, development, fiscal policy, debt crisis, public debt, financial reforms.
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Management & Accountability: Financial Management Practices and Accountability in Turn-Around Secondary Schools in Gombe State, Nigeria
Muhammad Khamis Bala, Department of Educational Foundation, Federal University of Kashere, Gombe State, Nigeria.
Bala Adamu Bajoga, Department of Educational Foundation, Federal University of Kashere, Gombe State, Nigeria.
MSI Journal of Economics and Business Management (MSIJEBM) | DOI https://zenodo.org/records/17548342 | Page 01 to 09
Abstract
This study examines financial management practices and accountability mechanisms in turn-around secondary schools in Gombe State, Nigeria. The population of the study is 1713 stakeholders comprising; principals, teachers, officials from the Gombe state ministry of education headquarters, Parent-Teachers’ Association (PTA) and School-Based Management Committees (SBMC) officials. Out of the population, 646 was selected using purposive and stratified sampling techniques as sample of the study. The data for the study was collected using questionnaire. The study adopted a descriptive survey design and data were analysed using descriptive statistics. Findings revealed that although most school administrators possessed financial management skills and prepared financial plans, challenges such as delayed fund disbursement, political interference, weak stakeholder oversight, and inadequate financial training hindered effective management. Stakeholder contributions from PTA and SBMC, though significant, were often mismanaged due to poor accountability systems. The study concludes that managerial competence alone is insufficient for effective financial management; accountability and transparency are equally essential. The research contributes to knowledge by providing empirical evidence on the accountability challenges specific to Nigerian turn-around schools. Recommendations include the institutionalization of regular audits, training in financial literacy for administrators, and stronger oversight by stakeholders to ensure transparent and efficient fund utilization.
Keywords: Financial Management, Accountability, Secondary Education, Turn-Around Schools, Nigeria
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Revenue Allocation and Socio-Economic Development in Nigeria: A Qualitative Assessment of Governance, Infrastructure, and Poverty Reduction in Akwa Ibom State (2015–2023)
Ndifreke Umo-Udo, Department of Political Science University of Uyo.
Sampson Clarence Eyoh, Department of Public Administartion University of Uyo.
Ebong, Itoro Bassey, Department of Public Administartion University of Uyo.
MSI Journal of Economics and Business Management (MSIJEBM) | DOI https://zenodo.org/records/17529482 | Page 01 to 30
Abstract
This study examines the nexus between revenue allocation and socio-economic development in Nigeria, with a particular focus on Akwa Ibom State, one of the country’s major oil-producing regions. Revenue sharing remains one of the most contentious aspects of fiscal federalism, as the equitable distribution of national income directly influences both political stability and economic progress. Using a qualitative and historical research approach, the study relied on secondary data drawn from government publications, policy documents, and academic literature, which were analyzed using thematic analysis. The findings reveal that revenue allocation significantly impacts infrastructure development, poverty reduction, and social welfare. Proper fiscal distribution facilitates capital formation, enhances trade, and supports modernization through investments in roads, education, health, and technological innovation. However, despite increased federal allocations, Akwa Ibom State continues to face persistent development challenges, including poverty, unemployment, and infrastructural deficits. These are largely attributed to corruption, weak governance, poor project supervision, and political interference. The study also found that inequitable revenue distribution exacerbates regional disparities and undermines local economic autonomy, thereby hindering inclusive development. Furthermore, the study highlights that while federal revenue allocation has enabled the execution of key infrastructure projects such as the Uyo–Ikot Ekpene Road and Ibom International Airport, the overall socio-economic outcomes remain below potential due to inefficiencies in public resource management. The research concludes that institutional weaknesses and fiscal indiscipline continue to constrain sustainable development in Akwa Ibom State. Therefore, strengthening governance frameworks, promoting transparency and accountability, implementing performance-based budgeting, and encouraging public–private partnerships (PPPs) are essential for maximizing the developmental benefits of revenue allocation. Only through effective fiscal reforms and the eradication of corruption can revenue sharing serve as a true instrument of equitable growth and socio-economic transformation.
Keywords: Revenue allocation, Fiscal federalism, Socio-economic development, Infrastructure, Poverty reduction, Governance and Corruption
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THE IMPACT OF RISK MANAGEMENT ON FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN AFGHANISTAN
Javidullah Rasoli, Ahmad Shah Abdali Private University ،Khost Afghanistan.
MSI Journal of Economics and Business Management (MSIJEBM) | DOI https://zenodo.org/records/17596005 | Page 01 to 23
Abstract
Professionals, scholars and bank regulators consider risk management as the core pillar for efficient bank management. This study aimed to assess the impact of risk management on financial performance of all nine commercial banks operating in Afghanistan. The core objectives of the study were to established the effect of liquidity risk on financial performance of commercial banks in Afghanistan, to determine the effect of capital adequacy ratio on financial performance of commercial banks in Afghanistan and to find out the impact of operational efficiency on financial performance of selected commercial banks in Afghanistan as well as to assess the effect of bank size as controlled variable on financial performance of commercial banks in Afghanistan. Secondary data was collected from quarterly reports and financial statements of these banks 2016-2021. Descriptive and inferential statistics mainly correlation and regression techniques were applied using E-views econometrics software. After data analysis, the study found that there exists positive association between liquidity risk management and financial performance of selected commercial banks of Afghanistan. The study also asserted positive correlation between capital adequacy and financial performance of commercial banks in Afghanistan. Moreover, the study also found significant positive relationship between operational efficiency and financial performance of commercial banks in Afghanistan following by the positive statistically significant correlation between size of the banks and financial performance respectively. The panel regression of fixed effect analysis indicated that all independent variables positively predicts the dependent variable financial performance whereas control variable “size of the bank” exert greatest impact on the financial performance of selected commercial banks in Afghanistan. Hence, possible important suggestions and recommendations are provided for better control and management of future possible risks in this regard.
Keywords: Risk Management, Financial Performance, Liquidity Risk, Operational Efficiency, Bank Size, Commercial Banks, Afghanistan.
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For articles published under a Creative Commons CC BY 4.0 license, any part of the article may be reused for any purpose, including commercial use, provided that the original MSIP article is clearly cited.
