Mankind is in a continuous process of development in all areas of society. However, especially in recent years, we they are more aware of the effect of our work on the environment. The evolution of society has led to a rapid growth of population and thus the pressure on the construction industry increased. The purpose of this paper is to analyze and present solutions for building more sustainable cities through the use of wood as a building material.

Based on the study of an array of data on forecasts of the development of the global economic situation, seven main components of the total damage to the economy from the coronavirus pandemic were identified. It is important to identify the possibility for humanity to predict the economy in accordance with the factor influencing it from a viral pandemic. For each of the components, the dependences of the forecast of the economic indicator on the time of the appearance of the forecast are built. Comparison of the sum of regression equations for these dependencies with the expression for total damage to the economy made it possible to construct an equation of total losses relative to the time of the pandemic. The first root of the equation -85.4 weeks is in good agreement with the known data on the beginning of the epidemic, the second root of 22 weeks can be correlated with the beginning of the next wave of the disease.

As any country affected by COVID19, Senegal has adoptedhealth measures restricting the travels and limiting the gatherings. In response to this new situation, many universities have deeply adapted their way of teaching. The agricultural college ISFAR of the Bambey University has implemented solutions well-suited to each of its departments namely the bachelor in agriculture, the bachelor in agricultural and rural advisory services, the master in rural and agricultural development, and the master in management of protected areas and wildlife. These solutions enable the continuity of the teachings through the uploading of the educational resources into a digital platform IFOAD and the assessment of the quality of the students’ research work by a validating scientific committee. This drastic shift in the teaching medium begs the questions of the respect of the health measures, the preservation of the quality of the educational system and the reliability of the students’ evaluation process.

In order to exterminate the spread of COVID-19, the South African government implemented a national lockdown towards the end of March 2020 that prohibited the trading and rendering of non-essential goods and services respectively. Though laudable, the reality at play is that the national lockdown ignited a halt in national economic activities which, in turn, resulted in the unexpected temporary closure of many South African small, medium and micro-sized enterprises (SMMEs). Of concern, is the fact that, the adverse effects of the COVID-19 pandemic has seen many South African SMMEs come under severe strain and financial distress, with their future survival uncertain. Nevertheless, these times as tough and lean as they are currently present opportunities for entrepreneurs to learn crucial business lessons from the experience, as well as to invest in ‘unusual’ business practices. Now, with the gradual re-opening of the South African economy, the critical question arises whether the majority of SMMEs will maintain sustainability even outside of the lockdown? To answer this question, non-empirical research was conducted taking into account a qualitative research methodology, namely a literature review. Accordingly, this paper provide insights on how South African SMMEs can navigate these unprecedented times of a global pandemic. Particularly, it unravels strategies for achieving the construction of a South African entrepreneurial environment that is robust, and sustainable with best chance of recovery post the COVID-19 pandemic.

This study aims to analyze the effect of internal control system, the application of Government Accounting Standards, and the use of information technology on financial accountability with Follow-up of Audit results as a moderating variable. This study uses a quantitative research method with research subjects consisting of the head of the department, the head of the financial division, and the expenditure treasurer in each OPD of the North Maluku Provincial Government. This study involved 108 respondents with a sampling technique using positive sampling. The results of this study found that the Internal Control System, the application of Government Accounting Standards, and the Use of Information Technology have a significant positive effect on Financial Accountability. The moderating variable of Follow-Up of Audit Result strengthens the influence of Internal Control System and the Implementation of Government Accounting Standards on Financial Accountability. However, the Follow-Up of Audit Result not moderate the effect of using information Technology on Financial Accountability.

Currently, the majority of banks that offer credit card products in Indonesia avoid targeting first card users that are dominated by the younger generation—millennials, as they are being viewed as high-risk customers. This opportunity is being seized by online-based loans (Fintech companies) that offer easy and fast credit approval and disbursement. Despite of competition increased from Fintech business, millennials show promising market potentials and size. Bank Power has seen this opportunity to launch the first fully digital Credit Card product. By utilizing Prodigy App, the first digital banking in Indonesia, Bank power is aiming to bring the product to the market. External analysis has shown a low level of innovation in existing credit card players as they only emphasize promotional aspects. Whilst based on customer analysis conducted with Segmenting, Targeting, and Positioning (STP) and Empathy map has illustrated the unmet needs of customers that cannot be fulfilled by existing credit card brands. Internal analysis which was framed within Ansoff Model, Brand Architecture, and Brand Image has shown that by combining the capability of FinTech and the benefits of Credit Card products, Prodigy has established a strong Unique Value Proposition to offer a simpler, smarter, and safer payment method. This research will propose Prodigy credit card’s brand and marketing strategy to reshape the way millennials think about Credit Card. Most importantly, the strategy should be able to get rid of the poor image of conventional Credit Card within the customer’s mindset.

The purpose of this study is to determine the Effect of Intellectual Capital on employee performance and job satisfaction as a moderator. This study uses a type of quantitative research. This research design uses explanatory research. This research method uses Partial Least Square (PLS). The population in this study is employees of the University of Jember. The sampling technique in this study used a purposive sampling method with a total of 80 employees. The variables in this study are human capital, structural capital, customer capital, job satisfaction and performance.

This study was conducted to examine the effect of population, FDI, inflation and net exports on economic growth (Y) and public welfare (HDI) in 10 ASEAN member countries during 2010-2019. Using panel data regression, it was found that population, net exports and economic growth had a significant effect on HDI. It is also through path analysis that all dependent variables have an indirect effect on HDI, through the mediating variable, namely economic growth.

The goals of this study is to find empirical evidence related to the market reaction to the first announcement of the COVID-19. The event study is used in this reseach to examine the performance of the Indonesian Capital Market reflected by 38 firms included in the LQ-45 index during the event study period. This study's period comprised of 160 days of estimation period and 61 days of event period (-30,0,+30). One-sample t-test, One-sample signed Rank test, Paired sample t-test, and Wilcoxon Signed Rank statistical test were applied to test the hypothesis. There was a significant abnormal return based on the One-sample t-test and the One-sample signed-rank results. It means that the market reacted to the announcement of COVID-19. The results of the Paired sample t-test shows that there was a significant difference in the average abnormal return (AAR) prior and after the event, and the results of the Wilcoxon Signed Rank Test shows that there was a significant difference in the average Trading Volume Activity prior and after the event. This research can give an insight to the investors in Indonesia that the non-economic event affect the market, so that the investors should react accordingly either to economic as well as to non-economic events that might happen in the future. If the investors make the right decision related to the particular event, they will increase their asset.

The evolution of society has led to a rapid growth of the population and thus the pressure on the construction industry has increased. Providing more living space and more space for various activities has increased urbanization and the growth of cities all over the world. In this context the principles of sustainable development of the urban areas are becoming more and more important. The purpose of this paper is to analyze and present solutions for constructing more sustainable cities by using wood as a construction material.

The paper examines the effects of job stress on employee performance with particular reference to ministry of health Sokoto State, Nigeria, The methodology adopted was survey method. The data was collected through a well structured questionnaire, in which out of the population of 984 staff of the ministry, a sample of 274 was chosen based on Krejie &Morgan table for determining sample size in a given research undertaking. Data analysis was done with the help of SPSS software version 20. The result obtained from the analysis shows that there is strong positive relationship between job stress and employee performance. Looking at the results obtained from the analysis, it is obvious that, job stress has significant impact on employee performance in the ministry of health Sokoto State. Based on the findings of the study, the research recommends that supervisors and managers should introduce stress management technique at their work place that can give employees job maturity and control over their job.

Owing to socioemotional wealth considerations, family-owned businesses were previously referred to as less innovative. Today, family-owned business owner-managers and researchers are beginning to agree that one of the bases of the superiority of family-owned businesses over non-family businesses is their level of innovativeness. The lets inhibiting this superiority include the altruistic and nepotistic practices inherent in family-owned businesses. This is evident in the injustices meted out to the employees, especially the non-family employees who most often are the key knowledge workers. Thus, the motivations for this are the variances in previous studies, the rarity of similar studies in Nigeria, and the economic contributions of family-owned small and medium-sized enterprises (SMEs) to the economic development of families and nations. The study investigates the mediating effect of organisational justice on the relationship between the dimensions of socioemotional wealth and innovativeness. Data were generated from family-owned SMEs. Based on Baron and Kenny’s (1986) four step approach, the data were analysed using linear and multiple regression. The results show that organisational justice indirectly and partially mediates the relationship between all the dimensions of socioemotional wealth and innovativeness. As such, socioemotional wealth needs to be combined with organisational justice to produce creative and innovative knowledge workers and by extension make the SMEs innovative. Organisational justice is presented as an indirect and partial mediator of the socioemotional wealth – innovativeness relationship. Thus, another way of improving the innovativeness of family-owned SMEs and preserving socioemotional wealth is to treat both family and non-family employees equally and fairly.

Families, cities and nations are globally recognizing and harnessing the economic benefits of start-ups. Governments do this by supporting entrepreneurs to overcome the obstacles to new venture creation. Owing to the rarity of such government supports in South Eastern Nigeria, nascent entrepreneurs are resorting to their family networks to garner the necessary resources. However, with the commonplaceness of family networks in the region and the enterprising nature of the people, the rate at which individuals engage in start-up activities leaves much to be desired. Thus, in a bid to answer the question: does family network matter in start-up activities, this study investigates the direct and indirect effects of family network (financial, social, human and physical capital and family cohesiveness) on start-up activities in the region. The study adopts survey research design, proportionate stratified random sampling and simple random sampling techniques. Data were collected via questionnaire from trading start-up owners in Abia, Anambra, Ebonyi, Enugu and Imo States. The study utilized the partial least square method to test the study hypotheses. The results show that the highest effects on start-up activities were made by financial capital and family cohesiveness. In addition, entrepreneurs accessed social, human and physical capital based on family cohesiveness, while financial capital was still accessed through family cohesiveness. The study concludes that family network matters in start-up activities. The employment of family network by nascent entrepreneurs as an alternative source of supports for start-up activities is recommended. Also, the use of triangulation method is suggested for further studies.

The present research was aimed to examine the effect of competence and diklat (pendidikan dan pelatihan) or education and training by stimulating work motivation on the cooperative employees’ performance in Jember Regency. The object research was the whole population of the saving and loan cooperative employees in Jember Regency. It was determined since in 2016-2020 that numbers of the inactive agencies were larger than those which were active. Moreover, in 2021, from 1913 agencies in Jember, there were only 553 active units. The data were collected using questionnaire by utilizing Google form, and distributed to 1659 employees of all cooperative units in Jember. The data collecting technique used nonprobability sampling with purposive sampling, as many as to 322 employees in Jember Regency. The data analysis method was path analysis. The research result showed that all hypotheses were accepted, meaning that there was a significant effect of competence as well as education and training on the employees’ motivation, the education and training had significant effect on the employees’ performance, and motivation had significant effect on the employees’ performance in Jember Regency.

This study aims to examine the effect of work discipline, organizational culture on the performance of sub-district employees in Jember Regency with job satisfaction as an intervening variable. The object of this research is all employees of the sub-district office in the district of Jember. Because district officials have an important role in helping the community. this study using google form questionnaire, the population in this study were all employees of the sub-district office in Jember Regency with total of 824 employees. The sampling technique in this study used non-probability sampling with purposive sampling technique. The sample used was 126 sub-district office employees in Jember Regency. The data analysis method used partial least squares (PLS) 3.0 software. The results of this study state that all hypotheses are accepted, namely work discipline has a significant effect on satisfaction, organizational culture has a significant effect on satisfaction, work discipline has a significant effect on the performance of sub-district office employees, organizational culture has a significant effect on the performance of sub-district office employees and satisfaction has a significant effect on the performance of sub-district employees in jember district.

Logistics companies connect firms to markets by providing various services, including multimodal transportation, freight forwarding, warehousing, and inventory management. They are important for global manufacturing, which is complex and multilocational. A typical system of logistics includes many components, from raw material suppliers, manufacturers, distributors, wholesalers to other retailers. In reality, logistics systems can only function effectively if and only all aforementioned corresponding components operate effectively. In other words, if any component cannot function, the logistics system will easily collapse and not achieve its goals. Today, in the context of globalization, when the logistics system becomes increasingly diverse and complex, accordingly involving many components, the likelihood of risks is escalating. This paper conducts an in-depth analysis of the essence of risks in the supply chain and logistics operations of Vietnam rice import-export enterprises. Research results show that there exist six groups of risks that rice importers and exporters are facing, including: supplier side risks, manufacturer side risks, demand side risks, logistics side risks, information risks and environment risks.

The objectives of this study are to investigate the attitude of secondary school students towards accounting and their intention to choose accounting program in tertiary level of education. Using a theory of Reasoned Action, questionnaire surveys were distributed, and 113 questionnaires were collected from secondary school students in Northern region of Malaysia. Results are generated using SPSS analysis. The t-test between accounting and non-accounting background students reports significant differences on their attitude towards accounting subject and their intention in taking accounting program for future study. However, this study shows insignificant differences between male and female student on their attitude and intention to choose accounting field after graduating from secondary school. These findings provide useful insights for policy makers, professional accounting bodies and academic institutions to develop strategies to promote accounting program to school and college students to further increase the number of accountants in the country.

Learning is a lifelong process and with the resources available today, learning as an adult in the workplace has been proven possible. Self-directed learning (SDL) is a methodology that can be adapted in the organization (apart formal training), as it reaps benefits for both employees and organizations. The FMCG sector was identified as a dynamic environment which requires employees to be updated and enhance knowledge while competing in the industry. Hence a reputed organization was recognized to understand SDL on employees through 3 factors identified by available literature. The study sheds light to advancing the FMCG sector in Sri Lanka by unveiling factors associated with SDL of the employees by taking a quantitative approach in identifying the relationship between variables on SDL using primary data collected from company ABC. By applying Chi-squared testing and correlation analysis, it was identified that self-esteem, belongingness and stress have a significant statistical association with SDL. While self esteem and belongingness had a positive relationship with SDL, stress had a negative relationship. Of the 3 variables, self-esteem and stress reported a weak relationship, whereas belongingness resulted in moderate relationship with SDL. Further, analysis against demographic variables age and gender indicated no significant statistical relationship on SDL. The study concludes with these findings suggesting that SDL is impacted by the three mentioned variables, however as there is weak to moderate relationship among them, further analysis is needed to identify if there are any mediating factors that is directly influencing SDL in the work place.

This paper analyses the trends of GDP and Green GDP for forecasting sustainable development of South Asian countries. It highlights the environmental sustainability, Green GDP accounting methods and impact of Green GDP on GDP. It also up holds limitations of traditional GDP, future of Green GDP and prepares theoretical framework for Green GDP. To analyze the relationship and to calculate the gap between GDP and Green GDP a developed econometrics model of panel data was used on eight South Asian countries. The researchers used IPS test for checking panel unit root and found variables are stationary. The result of Pedroni test for cointegration shows that there is a long run cointegration between GDP and Green GDP in different nations of South Asia. The results also imply that South Asian countries could increase GDP by reducing environmental damages which will promote sustainable development. Sustainable development can only be achieved through the integration of policies that connect environment, economy and society on a parallel line.

This study aims to determine the effect of total quality management and supply chain on Shopee customer satisfaction in Bekasi City with competitive advantage as mediating variable. The research was conducted in Bekasi City. The research sample is Shopee customers with 100 respondents. Data analysis using path analysis. The results of the study prove that the indicators of customer focus and obsession with quality provide an improvement in total quality management. The information sharing indicator is the best reflection for supply chain variables. While the delivery value indicator is the best reflection of the competitive advantage variable. Likewise, the indicator of the value of feeling satisfied with products and services is the best reflection for the variable of customer satisfaction.

The research aims to analyze monetary variables and inflation uncertainty towards foreign debt policy towards macroeconomic stability in Asia's Five Emerging Markets country. The data analysis method used is the ARDL Panel data analysis using times series data from 2005-2019 and cross-section Five Emerging Markets Asia (India, Indonesia, Philippines, China, Malaysia) obtained from the World Bank and CEIC data. The ARDL Panel's estimated data results show that in the long term inflation, money supply, interest rates, foreign debt, stock price indexes significantly affect economic growth whereas in the short term inflation significantly affects economic growth in Five Emerging Markets Asia. Recommended to the Government through the Central Bank to maintain the inflation rate in the short term towards macroeconomic stability in Five Emerging Markets Asia towards the long term during the research period.

Many graduates in Malaysia are listed as bankruptcy due to credit card debts. They claim that having a number of credit cards reflect on their status of social economy and living standards. Without realizing many young graduates below 30 years old have fallen into bankruptcy. This study is conducted to identify the factors namely; lifestyle and lack of knowledge, which led the graduates into bankruptcy due to credit card debts.

This study was conducted on manufacturing companies listed on Indonesia Stock Exchange in 2013-2019. This study aimed to determine the effect of capital structure and company growth toward the company value with profitability as an intervening variable. The population in this study are169manufacturing companies. Samples gathered from 24 companies determined by purposive sampling method with predetermined criteria. The analysis technique used was path analysis with regression and the classical assumption test was carried out first. Testing the intervening variables used as the clausal step strategy and the Sobel test. The results of this study indicate that 1) Institutional Ownership (KI) has a significant effect on Company Value (NP) 2) Managerial Ownership (KM) has a significant effect on Company Value (NP) 3) Debt Policy (KH) has a significant effect on Company Value (NP) 4) Company Growth (PP) has a significant effect on Company Value (NP) 5) Institutional Ownership (KI) has a significant effect on Company Value (NP) through Financial Performance (KK) 6) Managerial Ownership (KM) has a significant effect on Company Value (NP) ) through Financial Performance (KK) 7) Debt Policy (KH) has no effect on Company Value (NP) through Financial Performance (KK) 8) Company Growth (PP) has a significant effect on Company Value (NP) through Financial Performance (KK).

The agricultural SME sector workers have grievances demoralizing their work among SMEs in the agricultural sector. Hence, there is a need to address their grievances to improve their psychological well-being. The study aims to analyse the impact of employee labour dynamics on the optimization of the long-term sustainable growth of SMEs.This is most critical to modern conservatory management. Thus the study seeks to address employee grievances among SMEs in the agricultural sector. A sample of 80 SMEs was identified and, questionnaires used in collecting data which was eventually analysed with SPSS. An analysis of variance to test the hypothesis was used and it was identified that there is a relationship between employee dynamics and long-term sustainable growth of agricultural SMEs. An ANOVA was used to determine the effectiveness of various employee motivation strategies used by SMEs in Burma Valley to address employee grievances. The analysis showed that certain employees were not completely happy by poor incentives currently prevailing in the sector, thereby deterring the growth of SMEs. In light of this, the study recommends that SME owners should address employee grievances through motivational-related programs as a measure to engineer the long-term sustainable growth of agricultural SMEs in Zimbabwe.

The lack of food production by agricultural informal farmers has spiked hunger and poverty among families. Hence the subject of this study is how agricultural native sciences (ANS) influence agricultural informal farmers’ development in Nyanga district, Zimbabwe. This approach is a measure that increases food for the communities. The informal farmers are the targeted sample using both primary and secondary processes of data collection. From the study, ANS capabilities sustain the expansion of informal farmers in Nyanga terrestrial. In adding, indigenous farming principles corroborated a methodological approach to informal farmers' long-term growth in pursuit of food security. The findings presented a new view on how native sciences minimize hunger and poverty, and it determined the extent to which its native science policy influences the growth of informal farmers'. Furthermore, it’s suggested that informal farmers and ANS research to in developing agriculture. An indigenous science-based farming concept, in general, should not be overlooked because scientific knowledge is associated with informal farmers' development discourses.

This study investigated how loan management impact on performance of Deposit Money Banks in Nigeria covering the period 2000 - 2019 with special emphasis on First Bank, Access Bank, and United Bank for Africa. The model in the study used secondary data obtained from annual report and accounts of the selected banks for the period under study to determine the effect of loan management (through Loans and Advances and Non-performing loans of banks) on performance of the selected banks (through Return on Asset). The Data were analyzed using ratio analysis and Ordinary least square method. The specific finding of the work is that return on asset has inverse relationship with non-performing loans while they are positively related to loans and advances. The conclusion is that there is a significant relationship between bank performance and loan management. The study then suggests that deposit money banks should set up an efficient structure for loan management.

This study focused on the effect of ICT on the competitive advantages of SMEs in Abuja. To achieve its aims, survey research design was employed. Data were gathered and analysed using descriptive statistics and regression model. Finding showed that ICT adoption has strong effect on competitive advantages of SMEs. The study concluded that the changing competitive situation in the business environment today has connection with the changing nature of technology. The study recommended that SME owners and managers should strive to boost their strength in ICT implementation and improve on strategic resources; so as to facilitate the achievement of competitive advantages through ICT adoption.

Currently, with increasingly fierce competition for market share among banks, improving customer satisfaction at banks is an issue that needs special attention. Therefore, it is necessary to conduct analysis and assessment of customer satisfaction about the bank's products and services and service culture to know how customers perceive themselves, know the advantages and disadvantages of the bank. Need to be maintained and inadequacies should be corrected. Not outside the general trend of banks today, BIDV is also aware of the importance of improving customer satisfaction when using BIDV's services to create a competitive advantage with other banks. Other customers, namely individual customers, are an important component of the bank's main profit.

This study aims to understand the formation and development of customer service culture at Sacombank (Saigon Commercial Joint Stock Bank) as the basis of a banking service. This is a new topic and there is not a single article that covers it or is available. The research has selected a number of articles and comments related to the CRM (customer relationship management) system to be able to collect data, synthesize data, then analyze and predict the situation and provide factors specific factors affecting customer service culture. The results of the study show that the construction and development of services should be based on strengths and overcome weaknesses of the CRM system. In which, the important factors are studied to develop the CRM system to cope with the challenges and changes of the business market in the future at Sacombank. The research not only mentions Sacombank 's own CRM but also highlights the strengths and weaknesses of CRM at Sacombank compared to other banks in the market. From the assessment of strengths and weaknesses, the research has also provided some solutions and recommendations that can help Sacombank to consult and give development orientations and policies not only in the current situation. The economy has been seriously affected by Covid-19 pandemic, both now and in the future.

The economy of Vietnam is in the process of rapid growth, the service sector is developing strongly and get the attention of everyone. Banking and financial services have been promoted when meeting new needs of people. Currently, there are many banks in existence and development, but the products and services of most banks are the same. So what makes a difference, attracts and creates trust for customers about our bank is the customer service culture. Banks must make a difference; stand out in the service customer care to between the bank competitors, customers can get entitled to us. As well as not only bring good service, but also to elevate the service perfectly to thereby receive satisfaction, retain customer loyalty as well as exploitation of new potential customers.

Vietnam International Commercial Joint Stock Bank, abbreviated as International Bank (VIB) was established on September 18, 1996 with the first head office located in Hanoi. As of early 2017, VIB has become one of the leading joint stock commercial banks in Vietnam, with a staff of up to 4000 people, nearly 160 branches and transaction offices in 27 provinces and cities across the country. As one of the pioneer banks in improving business activities, VIB is always customer-oriented, service quality and creative solutions as the business motto. Since then, VIB has continued to invest in development to bring high quality products and services to customers. VIB is always aware that: corporate service culture has an important position and role in the development of each business, because any business lacks cultural factors, language, materials, etc. If information is generally called knowledge, then that business can hardly stand and survive. In today's social trend, the resources of an enterprise are the ones that link and multiply the value of each individual resource. Corporate service culture is very necessary for a business, it can make a business organization grow, and without it, will make a company die. Therefore, VIB has built for itself a cultural environment with a clear vision, specific mission and mission.

The topic of customer service culture has a very important position and role in the development of every business. In today's social trend, the most important resource of an enterprise is people. In which corporate culture is the glue that binds each individual in the organization together, if an organization has a good corporate culture, it will increase the work motivation of each individual and direct the strength of each individual into the organization. Common goals of the organization, that helps to increase the effectiveness of the organization many times over. Therefore, it can be affirmed that corporate culture is an intangible asset of each enterprise. Considering the specific factors of the banking industry, this is a service business, associated with the human factor. In particular, banking services are high-class and complex services, so the requirements for the human factor must be at a higher level. Therefore, building corporate culture of commercial banks is very necessary, but there are also many difficulties. As one of the earliest established joint stock commercial banks in Vietnam, Vietnam Prosperity Bank - VPBank has made steady progress throughout the bank's history. Especially since 2010, VPBank has grown tremendously with the development and implementation of a comprehensive transformation strategy. According to this strategy, VPBank aims to become one of the top 5 joint-stock commercial banks in Vietnam and one of the top three retail commercial banks in Vietnam by 2017. Supporting the implementation of the above strategy is the corporate transformation of VPBank. Building a strong corporate culture is a key factor and an urgent requirement for VPBank to successfully implement its transformation strategy. The corporate culture at VPBank itself exists, but for many reasons, those cultural features have not been clearly and systematically expressed. Especially in the past time, VPBank has developed very strongly with a rapidly increasing team, including the participation of many foreign officials in VPBank's ranks. In which, members of the Board of Management at VPBank are nearly 30% foreigners, especially in key divisions that decide VPBank's business activities. Therefore, VPBank is forming a multicultural and highly internationalized environment. This led to a rapid change in VPBank's culture, during which the groups within had certain cultural conflicts. So what is VPBank's solution? Therefore, studying the topic: "Corporate culture at Vietnam Prosperity Bank - VPBank" to answer the research question: "What are the aspects of VPBank's corporate culture?.

This study was conducted to discover the factors affecting customer service quality satisfaction for Vietcombank in Ho Chi Minh City. Quantitative research method has been carried out with the research object being customers who are directly performing transactions at the bank. There are 347 valid questionnaires processed through exploratory factor analysis (EFA) and testing the research hypotheses by linear regression. The results show that the factors of reliability, system, guarantee, interest rate and cost, tangible factors (facilities and forms) have a positive influence on customer satisfaction at Vietcombank in Ho Chi Minh City). In which, emphasizes the importance of two factors of interest rate, service fee and system in improving customer satisfaction with the service, thereby enhancing loyalty to the bank. CRM is a sound business strategy to identify the most profitable customers and potential customers of the bank. Therefore, customer relationship management in the bank is one of the prerequisites for the bank to achieve the desired goals.

The study examines the strategic impact of external environment on the performance of Nigerian Breweries Plc. The study utilised the ex post facto research design. The study relied on secondary data; obtained from the CBN statistical bulletin, World Bank, and annual reports of the firm. The time-series data were analysed using multiple regression techniques. The results showed that GDP growth and inflation rate had a positive significant effect; while, the exchange rate had a negative non-significant effect on profit before tax. The results lend credence to the fact that external environment still bears influence on the operational performance of a firm. The study recommends that managers be proactive at tackling uncertainties in the external environment. The managers should be innovative and customer-oriented to ensure survival and gaining a competitive advantage.

This study aims to introduce the formation and development of CRM system at BIDV. This is a new topic and there is not a single article that covers it or is available. The research has selected a number of articles related to the CRM system to collect data, then analyze and predict the situation and give specific factors for the research paper. The research results show that promoting and exploiting the strengths and overcoming the weaknesses of the CRM system at BIDV bank. In particular, the factors of developing the CRM system are extremely important to face future business challenges at BIDV. Not only mentioning CRM at BIDV, the research also highlights the strengths and weaknesses of CRM at BIDV compared to other Big4 banks. From the assessment of strengths and weaknesses, the study has also provided a number of solutions and recommendations that can help BIDV bank to consult and provide orientations and policies for the development bank not only present but also in the future.

This article will systematize knowledge concepts and theoretical issues related to customer relationship management and select a CRM application model suitable for commercial banks. Regarding the research object, this article will focus on analyzing the current situation of customer relationship management at Vietcombank, thereby building a more complete customer relationship management system. Building customer policies with the target customer group to create value for customers, maintain and increase customer loyalty will help reduce management costs, increase business efficiency, contribute to improving customer satisfaction, customer service capacity at Vietcombank.

Analysis of the internal environment is the study of factors belonging to the enterprise itself in order to determine the strengths and weaknesses of that enterprise. This article uses the IFE matrix in strategic management as a tool to analyze, compare, and evaluate the factors of the internal environment of Hong Bang University and Hutech University in Ho Chi Minh City.

Strategy formulation is the first important step of managers on the way to bring businesses to success. A good strategy with a clear vision and mission, worthy of the business will help managers orient the development of the business, staunchly support the business to overcome difficulties, and maintain determination to the end selected target. In the context of the increasingly integrated world, the world economy has almost no borders to divide the market, the competition between businesses is becoming more and more fierce. In order to find the possibility of success in that fierce market, building a suitable strategy is a vital element to help businesses determine the difference as a foundation for development and success. Managers can analyze their business to build their appropriate strategies using a variety of methods. Therefore, to understand better, the author decided to perform business analysis for Nguyen Hoang Group (NHG) using the BCG matrix.

The existence of regional financial autonomy requires local governments to improve their capabilities and effectiveness in running the government. However, in some cases there is still financial management that is not in accordance with regulations and can result in state losses, community losses, and hampering government activities. These problems cover various aspects, including aspects of policies, programs and activities caused by the ineffective implementation of risk management. The implementation of risk management in each OPD in Banyuwangi District is considered a new science in line with the ratification of Perbup Banyuwangi No 12 Tahun 2020. Based on this reference, Inspektorat Banyuwangi District should implement risk management to reduce the impact of negative possibilities that can hinder goals. The existence of a management process that has not been implemented in previous studies provides an opportunity to examine the risk management process at Inspektorat Banyuwangi District to the level of risk maturity. So that this research will not only identify the risks that will occur, but also assess the level of maturity of the risks, put in place mitigation measures for key risks within the organization. However, the monitoring efforts of the risk mitigation measures carried out are only carried out by certain parties within the organization and are not documented. There needs to be consistency from risk management implementers at Inspektorat Banyuwangi District to continue to evaluate and mitigate risks that fall into high and very high risk levels.