IOSR-JBM   Volume-28 ~ Issue-5 ~ May 2026

Abstract: Purpose of the Study: This study examined the influence of Credit Reference bureau services on credit risk management among deposit-taking SACCOs in Nairobi City County, Kenya. Specifically, it assessed the effects of credit data sharing, loan repayment efficiency, borrower credit ratings, and credit inquiries on credit risk management. Problem Statement: Despite the critical role played by SACCOs in promoting financial inclusion, the sector is increasingly facing....

Keywords: Credit Reference bureau services, credit risk management, SACCOs, CRB services, non-performing loans, liquidity

[1]. Adu, S., & Opoku, E. (2020). Endowment Fund Management And Financial Sustainability In Cooperative Institutions. Journal Of Cooperative Finance, 8(2), 45–60.
[2]. Awuor, J., & Mokaya, S. (2023). Asset Utilization And Financial Performance Of Cooperative Societies In Kenya. International Journal Of Economics And Finance, 15(1), 88–102.
[3]. Bolo, A., & Odhiambo, R. (2020). Credit Management Practices And Loan Performance In Financial Institutions. African Journal Of Accounting And Finance, 6(3), 112–128.
[4]. Chigona, W., & Mokiwa, S. (2021). Digital Credit Systems And Financial Inclusion In Africa. Journal Of Information Systems In Africa, 9(2), 33–50.
[5]. Kamau, P., & Kinyua, G. (2021). Endowment Funds And Institutional Sustainability In Saccos. Kenya Journal Of Cooperative Studies, 5(1), 77–91.

Abstract: Purpose — This study examines the impact of evolving taste preferences among younger consumers on brand loyalty and consumer perception of small food eatery outlets operating at night across six localities in Hyderabad, India. Design/Methodology — A structured questionnaire was administered to 583 respondents (362 male, 221 female) aged 15–.....

Keywords: Taste Preferences; Brand Loyalty; Consumer Perception; Small Food Eateries; Hyderabad; Social Media; Youth; Night-time Dining; ANOVA; Regression

[1]. Ajzen, I. (1991). The Theory Of Planned Behavior. Organizational Behavior And Human Decision Processes, 50(2), 179–211. Https://Doi.Org/10.1016/0749-5978(91)90020-T
[2]. Chang, L. (2010). Analysis Of Social Dine-Out Preferences Of University Members According To Personal Characteristics: A Case Study Of A University In The Southwestern Region In The U.S. [Doctoral Dissertation]. Proquest Dissertations & Theses.
[3]. Chen, J., Xu, A., Tang, D., & Zheng, M. (2024). Divergence And Convergence: A Cross-Generational Study On Local Food Consumption. Frontiers In Nutrition, 11, Article 1365422. Https://Doi.Org/10.3389/Fnut.2024.1365422
[4]. Frez-Muñoz, L., K. Kampen, J., Fogliano, V., & L.P.A. Steenbekkers, B. (2021). The Food Identity Of Countries Differs Between Younger And Older Generations: A Cross-Sectional Study In American, European And Asian Countries. Nutrients, 13(8), 2816. Https://Doi.Org/10.3390/Nu13082816
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Abstract: The retail sector is pivotal in attracting millions of firms to transact via various distribution channels covering several sectors serving billions of consumers globally. This contemporary globalization has contributed to highly competitive business environment with Kenyan retail sector experiencing influx of new entrants in the recent two decades, creating competitive pressure in the industry leaving retailers grappling to maintain profitability, expand market share and attain customer satisfaction. Firms gain a boost over their rivals by employing generic strategies to repel external forces of competition, secure customer loyalty and develop a sustainable profitable......

[1]. Abdullah, N. N., & Anwar, G. (2021). An Empirical Analysis Of Natural Gas As An Alternative Fuel For Internal Transportation. International Journal Of English Literature And Social Sciences, 6(1).
[2]. Abuga, W. K. (2024) Influence Of Generic Strategies And Operational Performance Of Taxi-Hailing Companies In Nairobi City County, Kenya. Https://Www.Ijiras.Com/2022/Vol_9-Issue_12/Paper_4.Pdf
[3]. Acquaah, M. (2011). Business Strategy And Competitive Advantage In Family Businesses In Ghana: The Role Of Social Networking Relationships. Journal Of Developmental Entrepreneurship, 16(1), 103–126.
Https://Doi.Org/10.1142/S1084946711001715
[4]. Aidara, S., Mamun, A. A., Nasir, N. A. M., Mohiuddin, M., Nawi, N. C., & Zainol, N. R. (2021). Competitive Advantages Of The Relationship Between Entrepreneurial Competencies And Economic Sustainability Performance. Sustainability, 13(2), 864. Https://Www.Mdpi.Com/2071-1050/13/2/864
[5]. Akoi, S., Jamal Ali, B., Fadel Saleh, P., Najmalddin, B., Sabah Mustafa, R., Rzgar Abdulmajid, M., & Rebwar Hama, A. (2021). Elaborating The Characteristics That Affect Buyers In Online Shopping: The Case Of Generation Z Girls In Kurdistan Region Of Iraq. Black Sea Journal Of Management And Marketing, 2(2), 42 - 64. Https://Doi.Org/10.47299/Bsjmm.V2i2.74.

Abstract: The rapid expansion of e-commerce in Bangladesh has transformed the retail and service industry, providing consumers with unparalleled convenience and accessibility. Over the last decade, Bangladesh has experienced a significant shift towards digital transactions, driven by increasing internet penetration, widespread mobile financial services (MFS), and shifting consumer behaviors. According to the Bangladesh Telecommunication Regulatory Commission (BTRC), there were over 130 million internet users in Bangladesh as of January 2024, with approximately 40 million active online shoppers.[1] The COVID-19 pandemic further accelerated this digital.....

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Abstract: The expansion of electric mobility has increased the demand for safe, interoperable, and cost-effective charging solutions. In this context, communication simulators between electric vehicles and charging stations are valuable tools for research, development, maintenance, and system validation, as they enable the reproduction of the charging process without requiring a physical vehicle. This article discusses a conceptual design for an embedded communication device for charging simulation based on the CCS2 standard, integrating a processing and control unit, a signal....

Keywords: Electric vehicles; Charging stations; CCS2; Embedded systems; ISO 15118; IEC 61851

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Abstract: This study examines the role of social media platforms and digital marketing optimization in enhancing sustainable tourism destination promotion in Bangladesh. A mixed-method research design was adopted integrating quantitative survey data and qualitative stakeholder interviews. Quantitative data were collected through Google Forms from 402 respondents and analyzed using SPSS, while 25 semi-structured interviews with tourism.....

Keywords: Social media; Digital marketing optimization; Sustainable tourism; Destination promotion; Environmental awareness; Sustainable travel intention; Bangladesh tourism; Destination image

[1]. Ajzen, I. (1991). The Theory Of Planned Behavior. Organizational Behavior And Human Decision Processes, 50(2), 179–211.
[2]. Ananya, S. A., Al Muneem, A., & Hassan, A. (2020). Tourism Policy Analysis Of Required Tourist Facilities In Bangladesh. In M. S. U. Rahman & A. Hassan (Eds.), Tourism Policy And Planning In Bangladesh. Springer. Https://Doi.Org/10.1007/978-981-15-7014-8_4
[3]. Avi, M. A. R., Muneem, A. A., & Hafsa, S. (2020). Reaching The Stakeholders: Social Media And The Administration Of Tourism In Bangladesh. In M. S. U. Rahman & A. Hassan (Eds.), Tourism Policy And Planning In Bangladesh (Pp. 165–175). Springer. Https://Doi.Org/10.1007/978-981-15-7014-0_12
[4]. Avi, M. A. R., Muneem, A. A., Hafsa, S., & Sobhan, S. (2019). Promoting Bangladesh’s Tourism Through Internet: Empirical Evidence And Suggestions. Rajshahi University Journal Of Business Studies, 12(1), 78–88.
[5]. Ayeh, J. K., Au, N., & Law, R. (2013). Predicting The Intention To Use Consumer-Generated Media For Travel Planning. Tourism Management, 35, 132–143. Https://Doi.Org/10.1016/J.Tourman.2012.06.010

Abstract: This study is an effort to solve the systemic weaknesses of the conventional strategic brand positioning instruments as it designs a high-fidelity, multi-dimensional perceptual mapping framework integrating Environmental, Social and Governance (ESG) factors as the key competitive dimensions. The modern global market has embarked on a paradigm shift towards a multi-stakeholder value, making the traditional two- dimensional...

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