This study assessed behavioral experience and customer expectation. Specifically, it examined the effect of convenience on customer expectation, the effect of product quality on customer expectation as well as the effect of comparison and choice on customer expectation. Survey approach was used to assess university students from the six universities selected in Nigeria which served as the population with a sample size of 399 students drawn and multistage adopted for selecting the samples. The study used PLS-SEM analysis. It found that convenience, product credibility as well as comparison and choice had significant effects on customer expectations. Research concluded that behavioral experience affects customer expectation. The study recommended that online retail outlets had to streamline their service delivery processes, ensuring ease of access and use.
This study investigates the moderating role of female board directors on the relationship between capital structure and firm performance in Nigerian non-financial firms. The study builds on previous research that highlights the importance of gender diversity in corporate governance and its potential to enhance firm outcomes. Using data from 70 non-financial firms listed on the Nigerian Exchange Group from 2012 to 2021, the study applies the two-step system GMM approach to mitigate endogeneity issues. It focuses on various capital structure measures, such as debt-to-asset and debt-to-equity ratios, and examines their relationship with firm performance, with the presence of female directors as a moderating variable. The study finds that female directors moderate the relationship between capital structure and firm performance, improving the impact of debt levels on profitability while reducing market performance. This study contributes to literature by providing new evidence from an emerging market context on how board gender diversity influences financial decision-making and firm outcomes in Nigeria.
The concept of green bonds emerged as a way to provide investors with an opportunity to contribute to environmental projects while earning returns on their investments. The study aimed to determine how green bonds affect the funding of sustainable agriculture in Nigeria. The specific objectives were to examine the role of green bonds in financing sustainable agriculture in Nigeria and to make recommendations for how to improve the use of green bonds in agriculture sector. The study used a purposive sampling technique to select respondents from two local governments (Yewa south and Yewa north, local governments) and the respondents included farmers, deposit banks and agri-business owners in Ogun State, Nigeria. The questionnaire (survey) was used as a research instrument and a face to face interview was also conducted. The psychometric properties were tested using Cronbach’s Alpha. The results showed that the instrument used were reliable and valid. Data were analyzed using descriptive and inferential statistics, specifically a linear regression model. The t-value for the relationship between green bonds and sustainable agriculture was 22.193, and the p-value was .000. Hence, the finding revealed that a statistically significant positive relationship between green bonds and sustainable agriculture existed. As green bonds increase, sustainable agriculture increases as well. The findings had the following implications for green bond issuers, farmers and agric-business owners: Green bond issuers should prioritize investments in sustainable agriculture projects. Farmers should receive adequate training and information on sustainable agriculture practices. Finally, policymakers should create incentives for farmers who adopt sustainable practices.
Supply Chain Finance (SCF) is the process of managing the necessary financing for the execution of procurement, production, storage and distribution processes. Cash flows have become a crucial element in Supply Chain Management (SCM) for companies. SCF is a topic that companies should focus more on, especially during times of high interest rates and stagnant markets. With the advancement of technologies, new payment services offered to consumers support SCF processes. E-Money is one of the significant examples of this. It has been frequently used in retail recently. E-Money is monetary value issued in exchange for accepted funds, stored electronically, and used for payments. E-Money can be used via virtual and physical cards. E-Money is also known as prepaid cards. In the retail sector, A-101's Hadi and Şok Market's Win application are notable examples in this field. Companies' E-Money applications are crucial for SCF. The ability for consumers to shop using cash loaded onto virtual E-Money cards (accounts) allows companies to utilize the money during the period between the cash being loaded and the expenditure being made. This situation provides a significant advantage in companies' cash flows. The current research examined how consumers perceive this process. The Technology Acceptance Model (TAM), which is frequently used in the acceptance of new technologies, was employed in the research. Due to the examination of multiple variables and their relationships in the research, the Structural Equation Model (SEM) was used. The Smart-PLS 4 package program was used during the analysis process. According to the results obtained, it can be said that consumers are considering completing their shopping using retailers' e-money. The positive impact of PU on AT and AT on intention are among the significant outcomes of the research. Since consumers have actively used many digital payment methods, especially after COVID-19, it is likely that they will adapt to the use of E-Money and digital payment applications in the future.
Agricultural organizations in South-West Nigeria face unique challenges in achieving sustainability amidst rapid organizational and technological changes. This study examines how employees’ socioeconomic characteristics and innovation culture influence sustainable organizational change management. Using a descriptive survey design, data were collected from 339 employees across agricultural organizations through structured questionnaires and interviews. The findings reveal that innovation culture (β=0.72; p<0.05) significantly drives organizational change management, fostering adaptability and creative problem-solving. Socioeconomic characteristics such as work experience (β=0.01; p<0.05) also positively influence change processes, while factors like age and income show minimal impact. The study highlights the need for agricultural organizations to foster innovation, enhance leadership communication and support employee training to boost resilience and competitiveness in the sector.
