The aim of study is to find out the way credit cards are being used by young people, based on a series of recommendations suggested by Mexico´s National Commission for the Protection and Defense of Financial Services Users (CONDUSEF for its acronym in Spanish). Also, the paper aims to know if this population has the necessary information to use their credits in a responsible way, because the data from the research by Solano et al. (2015), which identifies the “Determinants of credit card use in Mexico”, lead us to question the role of financial education or lack of it among young Mexicans. Thereby, real tests are carried out to corroborate the afore-mentioned, by means of a survey applied to the young people from Veracruz-Boca del Río metropolitan area.

This study aims to examine and analyze the influence of Institutional Image, Price, and Service Quality on Decision Choosing Futsal Young Indonesian School either partially or simultaneously. Research data from survey in the form of questionnaire. Sampling method used in this research is purposive sampling method, as many as 85 respondents selected to this sample by using Slovin formula. Quantitative analysis method using multiple linear regression analysis, followed by determination analysis (R Square), partial hypothesis testing (t test) and simultaneous (F test) with alpha 5 percent (0,05), before further analyzed first data quality test and classical assumption test were performed. Analyze tool using SPSS version 23 for windows. The results showed that the institutional image, price, and quality of service partially have a positive and significant influence on the decision to choose School Futsal Young Indonesian. Institutional Image, Price, and Service Quality have positive and significant influence on Decision Choosing School Futsal Young Indonesian either partially or simultaneously. Price has a very dominant influence on the decision to choose School Futsal Young Indonesian. There are still many other factors that influence the decision to choose school futsal that is equal to 38 percent which is still needed further research.

The diversity in reformed governmental financial information systems created a need for harmonized international accounting standards, resulting in the elaboration of the International Public Sector Accounting Standards. International accounting literature provides evidence that accounting quality has economic consequences such as costs of capita, similarly Financial reporting by public sector entities providing concepts that will underpin the development of international public sector accounting standards and recommended practice guidelines. Likewise, Gross National Product is the market value of all the products and services produced in a year by Labor and property supplied by the citizens of a country, unlike gross domestic product which defines production based on the geographical location of production. In Nigeria inadequate economic growth is the main cause of poverty, economy has a very narrow and weak base, depending most on exploration of petroleum crude oil as a major source of income. The findings indicated that the development of the private sector depends largely on the activities in the public sector in developing countries as Nigeria. It is concluded that there is a great number of poverty which was among due to high and growing unemployment that exacerbated the level of poverty. It is recommended that private sectors should not depend on the activities in the public sector; they should improve their own activities by training and retraining, organize workshop and agricultural sector which was ignored to be revived into life.

The aspiration of human being to advance life standards throughout the past have always brought diverse pursues with it. These pursuits have become reality by putting forward a new hint and taking risks when essential. Innovative and risk taking people have begun to be defined as entrepreneurs over time. In such context women entrepreneurship and innovation has become an emerging topic in today’s world. The present study evaluates the drivers and current status of financial literacy of the women entrepreneurs in floriculture industry. In addition, examine the socio economic and cultural barriers which hinder women participation in entrepreneurship and innovation. Ninety two female respondents were selected for this survey and administrated a pre tested questionnaire. Collected data were analyzed using Wilcoxon sign rank test. Study revealed the need to earn money and financial necessity as the major drivers to start a new venture. They were not aware about the high-risky unregulated saving systems, government tax policy, inflation rates and, stock market. Further the explored constraints of the study were unavailability of enough capital, market for finished goods, lack of knowledge on modern technology, inadequate infrastructure for transportation of raw material; inadequate training and access to information, weak business associations and, government taxes as the prevailing constraints. Therefore the authorities should take necessary actions to remove these obstacles, in order to improve the women entrepreneurship in floriculture.

To achieve organizational sustainability and competitive advantage in this contemporary business world, it requires the effective engagement of human resource management practices and engagement of competent employees. Due to the challenges associated in business performance as a result of employee disengagement behaviour, it is imperative that every organization seek to stimulate the level of employee engagement with its best practices and policies to drive an irresistible organization that enhances the wellbeing and social wellbeing of employees.The objective of the study was to examine the managerial perception ofhuman resource management practices on employee engagement, to examine employees‟ expectation of human resource management practices on employees‟ engagement. The sample size was 600 which comprised of both employees (460) and management (140) and systematic sampling was employed for the study. It was made known by management that, recognition and reward of employee‟s effort was ranked as the first HRM practices which have a high relationship with employee engagement, and employees, also ranked management-employee relationship as first to have a perfectly strong relationship with employee engagement.. It was recommended that, management must devise smooth strategies to continuously improve employees‟ morale, commitment and satisfaction for their job. Effective Human resource management practices therefore play a vital role in stimulating employee engagement.

The purpose of this study was to examine effect of internet banking on financial performance of commercial banks in Kenya. Internet banking under technology acceptance model extended from theory of reasoned action entails the inclusion of technology or information system within the operations of a bank. Internet banking is about creating complementary distribution channels in form of information technology. The study used descriptive survey research design. Both quantitative and qualitative data were collected to meet the objective. The proposed study area was Kisumu City targeting all the 34 commercial banks. A total of 11 banks were picked through a simple random sampling strategy. In addition, 5 employees were picked from each commercial bank through a simple random sampling strategy, while 11 branch managers purposively sampled from the selected banks. Therefore, the total number of participants forming a representative sample was 66 comprising of 55 employees and 11 branch managers of which there was a response rate of 92.7 for employees and 100% for branch managers. A combination of primary and secondary sources of data was used to obtain data. The primary sources included self-administered questionnaires and interviews. Document analysis was used to collect secondary data. Quantitative data was analyzed using descriptive statistics(frequency and percentages). Statistical analysis was done with the aid of Statistical Package for Social Sciences version 22.0. All the results of the quantitative analysis were presented in tables, charts, and graphs while the results of qualitative analysis presented in form of themes. From the quantitative analysis, the study established a positive effect of internet banking on financial performance of commercial banks. The qualitative findings also established that there is a positive effect of internet banking on financial performance of commercial banks. Based on the findings, the study recommends that commercial banks enhance their internet banking.

This paper deliberates the scenario of managing governments in general and narrows to Tanzania government, specifically the administration of the fourth regime of president of the United Republic of Tanzania, His excellence, Jakaya Mrisho Kikwete. The paper traces the execution of the four regimes of presidency from 1961 to 2015 and makes some examinations on the events and decisions made during these regimes through an eye of a specialist. The study is a review in nature and assimilates qualitative techniques in discussing and analyzing information. Documentation, observation and experiential are the major information collection strategies employed in the study. The paper concludes by setting four propositions: First, that although it is evident that most fabulous practices are manifested during the Kikwete regime yet most of them did not originate from his regime. Secondly, that the revealed evil practices give a signal that the regime of Kikwete was transparent. Third, that the decisions that were made by his regime of accepting resignation of eminent ministers, signals prudence and reliability of the government. Fourth, that the decisions that were taken to revisit the mining contracts out of the main documents suggest courage, brilliance and objectivity of the President in dealing with national matters. Further, that the discussion reveals that observing the four regimes on comparative analysis, the fourth regime, has managed to best intervene on the fundamental problems of the community namely ignorance, disease and poverty. The challenge however, remain to be on improvement in competence based recruitment, promotion and appointment in political and semi-political positions. As noted by gurus of management and governance- the major problem facing the developing countries is not on governance systems but lack of competence based recruitment, appointments and promotion.

To retire is an inevitable event that is bound to happen to every worker in a life time and pension scheme is to provide the employees of an organization with the means of securing on retirement, a standard of living reasonably consistent with that they enjoyed while in service. This is because, at old age man tends to depend on others for assistance and survival, therefore, man has been seeking for ways to make life in old-age meaningful and fulfilled after one has put in his active years in service. Based on the pain, sorrow and problems of retirees in the society (Nigeria), this work seeks to proffer solutions to this age long problem or retirement benefits. This study was conducted using questionnaires and the data analysis for the research was mainly descriptive, which is by the use of Chi-square method. The finding shows that inconsistency in pension polices affect the management of pension. The study thus, concluded that consistency, sincere and honest management of pension fund administration will be the hope of the age long problem of the pension scheme management in Nigeria, hence hope and for better and desirous retirement.

The study explored accounting information as a veritable tool for the appraisal of the performance of production companies in relation to their productivity and financial position. The research adopted a quasi-experimental design. Primary data were gathered with questionnaire and the results of the hypotheses were arrived through percentage and Spearman’s Rank Correlation Coefficient. It was revealed that the productivity of a production company is enhanced and sustained when the financial position of a firm is timely ascertained as this would help the company in financing their operations for maximum output. Besides, objective, timely, cost effective, complete and reliable accounting information help a production company to determine its financial position at any point in time. Based on the findings, the study recommended that effectual accounting information would be of immense help to a company in boosting and sustaining its productivity; the reason is that sureness of the financial position of a production company would, to a considerable extent, assist it in taking informed and timely decision either to continue to finance the production of a profitable product or to discontinue the production of a product that does not add value to the firm financially or otherwise. Finally, this would help a production firm to sustain an appreciable level of performance and growth for its survival.

Article revolves around the conspectus accentuating healthiness, quest significance of robustness in workforce proficiency, productivity and prosperity. Descriptive multination study articulated considering secondary data derived of various primary and secondary sources. Study embodies fifteen countries, five high, middle and low-income countries each, employing non-probability nonrandom sampling. Contrasted on considered variable embracing Health-Status, Intelligence-Quotient, Work-Capacity, Economic-Growth and Happiness-Score. Interpretation derived based on the statistical measurements and inferences. Computations performed employing Ms Excel. Complete compilation phase lasted for 2 months August to September ‘2017. Mentally and physically healthy individuals usually score higher in intelligence quotient, manages productive work hours, endures prolong life expectancies and tends to be more contented. Healthy status, intelligence quotient, economic growth, happiness score descends while work capacity ascends from high to low income countries. Healthiness drive workforce effectiveness and efficiency. Health diminutions, a growing concern globally, dispel proficiency, dissipates productivity, perplex prosperity. All means and measures should be encouraged actuating work dexterity concomitant with mental and physical wellbeing.

During the 1970’s the world’s economy began slowing even as government programs were growing as a result of fiscal distress, and Zero-Based Budgeting (ZBB) was seen as an attempt to rationally manage the size and scope of government as well as a remedy for dealing with the austerity. The aim of this study, therefore, is to ascertain whether the perceived benefits of Zero-Based budgeting would significantly influence its adoption in Borno state. Stratified sampling technique was used to arrive at a sample size of 103 drawn from the total population of 139. Binary logistic regression was employed to predict whether the predictor variable namely, perceived benefits have significant influence or not on the dependent variable, that is, the adoption of ZBB. The finding of the study establish that it is possible to adopt ZBB in Borno state because it is politically feasible as the covariate suggest, perceived benefits was statistically significantly related to the adoption of ZBB in the state. We, therefore, recommend for the adoption of ZBB in the state So as to embark upon administrative reforms to incorporate policies and prioritize their public spending projects based on the fundamental principles of zero-based budgeting system in order to accomplish it perceived benefits.