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Research Article
High-Performance Work Systems and Organizational Resilience in the Age of Technology: Evidence from Selected Commercial Banks in Tanzania
David Haruna Mrisho*
,
Shanel Clodwick Komba
Issue:
Volume 14, Issue 3, September 2026
Pages:
45-56
Received:
22 February 2026
Accepted:
16 April 2026
Published:
24 July 2026
Abstract: The ability of organizations to withstand and adapt to disruptions has become a crucial strategic focus, especially in the banking industry, which faces increased exposure to economic fluctuations, technological advances, and global financial shocks. High-Performance Work Systems (HPWSs) are increasingly regarded as essential tools for enhancing organizational resilience, although clear evidence of their effectiveness remains limited. Based on the Job Demands–Resources (JD–R) model, this study investigates how HPWS practices act as organizational resources that enhance employee skills, engagement, and adaptability, ultimately supporting organizational resilience. A cross-sectional research design was used, involving 206 employees from commercial banks in Dar es Salaam and Mwanza. Data collection included structured questionnaires, key informant interviews, and focus group discussions to gather both quantitative and qualitative insights into HR practices, human capital development, and resilience outcomes. Quantitative data were analyzed using descriptive statistics, Pearson correlation, regression analysis, and marginal effects, while qualitative data were analyzed through content analysis. Findings show that HPWS practices such as job rotation, staff empowerment, and teamwork positively impact organizational resilience. Furthermore, human capital development through regular training, firm-specific skill improvement, and experiential learning significantly boosts employees’ adaptive capacity. Importantly, human capital heterogeneity, measured through performance-based systems, performance appraisals, and employee compensation, was found to enhance organizational flexibility and responsiveness to environmental uncertainties. The study shows that HPWS, when strategically combined with human capital management, act as systemic organizational resources that reduce the negative effects of job demands, boost motivation, and build both individual and collective resilience. These insights offer a well-supported, evidence-based framework for commercial banks and other fast-changing organizations aiming to improve their ability to anticipate, absorb, and adapt to disruptions.
Abstract: The ability of organizations to withstand and adapt to disruptions has become a crucial strategic focus, especially in the banking industry, which faces increased exposure to economic fluctuations, technological advances, and global financial shocks. High-Performance Work Systems (HPWSs) are increasingly regarded as essential tools for enhancing or...
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Research Article
Artificial Intelligence and Budgeting in Nigeria: Evaluating Fiscal Efficiency, Governance Challenges, and Strategic Development Implications in the Fourth Industrial Revolution
Ukpong Uwem Johnson*,
Otu Offiong Duke,
Bayo Prince Lekara,
Aborlo Kpakol,
Okon Unwana Ita,
Asian Uduak Iwok,
Etta Eugene Onor,
Ikobong Emmanson Obot,
Omonfoman Victoria Gregory,
Christiana Okon Umoren,
Unanam Wisdom Jimmy,
Edodi Hope Ukam
Issue:
Volume 14, Issue 3, September 2026
Pages:
57-73
Received:
15 June 2026
Accepted:
26 June 2026
Published:
28 July 2026
Abstract: This study examines the role of Artificial Intelligence (AI) in enhancing public financial management and budgeting systems, with particular emphasis on its implications for efficiency, transparency, accountability, and fiscal governance. The increasing complexity of government financial operations and the growing demand for evidence-based decision-making have created the need for innovative technological solutions capable of improving budgeting processes and resource allocation. The study adopts a qualitative approach based on an extensive review of scholarly literature, policy documents, institutional reports, and empirical studies relating to AI applications in public finance. The theoretical foundation of the study is anchored on the Technology Acceptance Model (TAM) and Public Choice Theory. TAM explains the factors influencing the adoption of AI technologies by public officials, while Public Choice Theory highlights how AI can reduce inefficiencies, corruption, and waste through automated monitoring and transparent decision-making mechanisms. Findings reveal that AI significantly improves budget forecasting, expenditure monitoring, fraud detection, financial reporting, and policy evaluation through the use of machine learning, predictive analytics, and intelligent automation. The study also identifies challenges such as inadequate digital infrastructure, cybersecurity risks, poor data quality, limited technical expertise, and resistance to organisational change. The study concludes that AI possesses substantial potential to transform public financial management by promoting fiscal discipline, strengthening accountability, and enhancing the effectiveness of budgeting systems. It recommends increased investment in digital infrastructure, human capacity development, data governance frameworks, cybersecurity measures, and ethical AI policies to ensure successful implementation. The study contributes to the growing body of knowledge on digital governance and provides practical insights for policymakers, public administrators, and development practitioners seeking to leverage AI for improved financial management and sustainable public sector performance.
Abstract: This study examines the role of Artificial Intelligence (AI) in enhancing public financial management and budgeting systems, with particular emphasis on its implications for efficiency, transparency, accountability, and fiscal governance. The increasing complexity of government financial operations and the growing demand for evidence-based decision...
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Review Article
Two Decades of Medical Tourism Research in India 2005 to 2025: A Critical Review and Future Research Agenda
Sepideh Bashang*,
Puttanna Kalladka
Issue:
Volume 14, Issue 3, September 2026
Pages:
74-82
Received:
30 June 2026
Accepted:
27 July 2026
Published:
27 August 2026
Abstract: Indian medical tourism has evolved from being a niche export industry focused on cost to a multidimensional research field in the areas of policy, quality management, destination marketing and digital engagement with patients. This paper is a critical, narrative review of the research on medical tourism available in India for the last twenty years (2005–2025) and examines changes in medical tourism research themes over the last two decades, highlighting the gaps in the study. The review consists of three general periods of research. The first is a basic decade (2005–2012) focused on cost, infrastructure development and initial government policies. The second is the accreditation, service quality, destination image–competitiveness benchmarking stage (2013–2019), which concentrates on the consolidation of the level of accreditation, service quality, destination image and competitiveness measuring of destinations like Thailand, Singapore and Malaysia. Thirdly, the most recent decade (2020–2025) constitutes a period of digital and pandemic-driven disruption, in which the aftermath of the pandemic, digital marketing, social media trust mechanisms, and consumer behavior became the dominant subjects of research. In all three stages, four recurring gaps are found: a lack of disaggregating the domestic and international experience of patients in samples; limited combination of regulatory critique and consideration of ethics with consumers' perception of their experience; lack of depth in longitudinal or comparative research trends and the nature of patient decision-making over time; and a lack of critical investigation of the digital divide across samples of medical tourists who are not all digitally literate. The review suggests a five-point future research agenda that fills these gaps: nationality-disaggregated empirical design, integrated frameworks of ethics and marketing, longitudinal studies of digital engagement, cross-destination benchmarking of digital marketing effectiveness, and digital-equity research. The review includes structured and chronological information on the evolution of the medical tourism field that aims to provide an orientation for future empirical and policy-oriented works on medical tourism in India.
Abstract: Indian medical tourism has evolved from being a niche export industry focused on cost to a multidimensional research field in the areas of policy, quality management, destination marketing and digital engagement with patients. This paper is a critical, narrative review of the research on medical tourism available in India for the last twenty years ...
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Research Article
A Study on Factors Influencing Consumers' Buying Behaviour: Gold
Geetanjali Gupta*
Issue:
Volume 14, Issue 3, September 2026
Pages:
83-88
Received:
16 February 2026
Accepted:
15 June 2026
Published:
8 September 2026
Abstract: Gold has traditionally held a significant position in the Indian economy and society, serving not only as jewellery but also as a valuable form of savings and investment. The purchase and ownership of gold jewellery are influenced by cultural traditions, social status, financial security, and investment considerations. India is one of the world's major markets for gold jewellery, and the growing demand for gold has increased the importance of understanding consumer and jeweller buying behaviour. Against this background, the present study examines the buying behaviour of jewellers in New Delhi, with particular emphasis on the role of gold jewellery as an investment and savings instrument. The study adopts a systematic approach to examine the factors influencing the purchase of gold jewellery and the investment preferences of jewellers in New Delhi. Primary data were collected from jewellers through a structured questionnaire, while relevant secondary information was obtained from existing literature and other published sources. The collected data were analysed to identify patterns in purchasing behaviour and to understand the extent to which gold jewellery is purchased for investment purposes. The findings indicate that gold jewellery continues to be an important investment avenue among jewellers in New Delhi. A considerable proportion of respondents reported purchasing gold jewellery as an investment, demonstrating that gold serves purposes beyond personal adornment. The study concludes that gold remains an important savings and investment vehicle in India, supported by its cultural significance, perceived value, and long-term financial appeal. Understanding these purchasing patterns can help jewellery businesses, policymakers, and other stakeholders better respond to changing preferences in the Indian gold market.India's gold market is mostly used for the purchase and sale of tangible gold as well as gold jewellery. In India, gold has a variety of uses, and wearing it has a number of consequences. It shows standard of living. India is thought to have the world's quickest rate of growth in gold jewellery. After deposits and mutual funds, it is the second most popular investment choice in India and is recognized as a savings and investment vehicle. Therefore, the buying behaviour of jewellers in the city of New Delhi is the focus of this study. According to the study's findings, many have bought gold jewellery as an investment.
Abstract: Gold has traditionally held a significant position in the Indian economy and society, serving not only as jewellery but also as a valuable form of savings and investment. The purchase and ownership of gold jewellery are influenced by cultural traditions, social status, financial security, and investment considerations. India is one of the world's m...
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Research Article
A Comparative Study of Machine Learning-Based Predictive Models for House Price Prediction
Issue:
Volume 14, Issue 3, September 2026
Pages:
89-97
Received:
16 February 2026
Accepted:
15 June 2026
Published:
8 September 2026
Abstract: Predicting house prices is vital in helping homebuyers, investors, real estate agencies, and policymakers make informed decisions. But it's hard to precisely value a house when there are a number of factors at play – from property details to location to market conditions. The present study accounts for the comparative analysis of four machine learning techniques Multiple Linear Regression (MLR), Support Vector Regression (SVR), Feed Forward Neural Network (FFNN) and Extreme Gradient Boosting (XGBoost)) on predicting house prices by applying the Boston Housing dataset. Root Mean Square Error (RMSE), Mean Absolute Error (MAE), Mean Squared Error (MSE), and Coefficient of Determination (R2) were used to assess the models. Experimental results showed that XGBoost had the lowest RMSE (3.9147), MAE (2.8454), MSE (15.3252) and the highest R2 value (0.7910) among all the models. The second best result was obtained by SVR while FFNN gave an accurate prediction and MLR gave the least accurate result. The analysis results show that the XGBoost model can better capture the complex nonlinear relationship between house attributes and makes it significantly better than the traditional regression model and neural network model. In conclusion, XGBoost is a powerful and stable model that can be used to accurately predict house prices and value real estate.
Abstract: Predicting house prices is vital in helping homebuyers, investors, real estate agencies, and policymakers make informed decisions. But it's hard to precisely value a house when there are a number of factors at play – from property details to location to market conditions. The present study accounts for the comparative analysis of four machine learn...
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Research Article
Transition to Circular Economy: Stakeholder Interventions in Sustainable Municipal Waste Management
Sangeetha Kulala Kodibettu*,
Professor Seshaiah Manasi
Issue:
Volume 14, Issue 3, September 2026
Pages:
98-105
Received:
16 February 2026
Accepted:
15 June 2026
Published:
8 September 2026
Abstract: Rapid urbanization and industrialization are the major reasons to generate the more waste in the cities. The linear economy system is largely implemented by the public, i.e., purchase, use, and dispose. As a result, most of the waste are end with landfill. Hence, this study mainly focused on the shift from a linear economy system into circular economy system, such as reduce, reuse, and recycle, to facilitate sustainable waste management in the cities. This study examines the role of stakeholder intervention (households, Resident Welfare Associations (RWAs), Non-Governmental Organizations (NGOs), and the Solid Waste Management (SWM) Department) in the successful transition towards a circular economy system in municipal waste management. This study used both qualitative and quantitative approaches to examine the stakeholders' behaviour across the two major best practices wards of Bangalore, such as HSR Layout and Koramangala ward. The findings of the study highlight that households’ behaviours towards waste segregation and disposal, RWAs and NGOs' initiatives towards awareness creation and implementing circular economy practices, and an effective operational system by the SWM department help to achieve sustainable solid waste management. These stakeholders' active involvement in circular economy practices helps to reduce landfill dependency, enhance recycling efficiency, and convert the waste into a resource. The effective coordination among these stakeholders are able to facilitate long-term sustainable waste management in the city.
Abstract: Rapid urbanization and industrialization are the major reasons to generate the more waste in the cities. The linear economy system is largely implemented by the public, i.e., purchase, use, and dispose. As a result, most of the waste are end with landfill. Hence, this study mainly focused on the shift from a linear economy system into circular econ...
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Research Article
Leveraging Social Media for Sustainable Development Campaigns
Issue:
Volume 14, Issue 3, September 2026
Pages:
106-113
Received:
16 February 2026
Accepted:
15 June 2026
Published:
8 September 2026
Abstract: Social media has emerged as a powerful tool for promoting sustainable development initiatives on platforms like Instagram, Twitter, You Tube, Facebook, Twitter, etc. due to its wide reach and engagement potential. This paper examines the effectiveness of utilizing social media platforms for sustainable development campaigns. The objective of this research is to assess how social media can be leveraged to raise awareness, mobilize support, and drive action towards sustainable development goals. Problem Statement: Despite the increasing use of social media for advocacy purposes, there is a need to understand its impact on sustainable development campaigns comprehensively. This research aims to address this gap by exploring the role of social media in fostering sustainable behavior change and community engagement. Research Questions & Hypotheses: 1. How does social media influence public perceptions and attitudes towards sustainable development? Hypothesis: Social media engagement positively correlates with increased awareness and support for sustainable development initiatives. 2. What strategies are most effective in leveraging social media for sustainable development campaigns? Hypothesis: Interactive and visually compelling content generates higher levels of engagement and participation in sustainable development campaigns on social media platforms. Research Methodology: This study employs a mixed-methods approach of primary and secondary data sources, combining quantitative analysis of social media data with qualitative interviews and surveys to gather insights into user perceptions and behaviours. Key Findings & Conclusions: Preliminary findings suggest that social media plays a crucial role in spreading a word and driving support for sustainable development campaigns. Interactive content, influencer partnerships, and targeted messaging emerge as key success factors in driving engagement and action. Discussions & Recommendations: The findings highlight the importance of strategic communication and community engagement strategies in maximizing the impact of sustainable development campaigns on social media. Recommendations include the development of tailored content, fostering partnerships with influencers and organizations, and leveraging data analytics to measure and optimize campaign effectiveness.
Abstract: Social media has emerged as a powerful tool for promoting sustainable development initiatives on platforms like Instagram, Twitter, You Tube, Facebook, Twitter, etc. due to its wide reach and engagement potential. This paper examines the effectiveness of utilizing social media platforms for sustainable development campaigns. The objective of this r...
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