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Current issue Volume 9, Issue 3 (March 2025)


  • A Study on the Performance of Mutual Funds of Indian Amcs
    Original Research Article
    Country INDIA
  • Pages 01-08
  • Dr.P.Srinivas Reddy
  • Abstract | pdf Pdf
  • A mutual fund is a pool of capital managed by an Asset Management Company (AMC), which gathers funds from individual and institutional investors. These funds are then invested across various securities, including stocks, bonds, real estate, and other capital assets, as well as in other mutual funds. Asset Management Companies typically offer various categories of equity mutual funds, each with its own risk profile. When evaluating mutual funds, performance metrics like trailing return and rolling return are commonly used. However, long-term investors must also consider other factors—such as assets under management (AUM), expense ratios, the number of stocks in the portfolio, and the experience of the fund managers when selecting a mutual fund. This study aims to explore the relationship between the performance of selected equity mutual funds and the key factors that investors consider when choosing a fund. The research employs t-statistics to identify any significant correlations. The findings indicate that there is no substantial relationship between the trailing return of any type of equity mutual fund and the factors chosen by investors. However, the number of stocks in the portfolio and the experience of the management team slightly influence the rolling return of large-cap equity mutual funds. Additionally, assets under management have a minor impact on the rolling return of mid-cap mutual funds.


      • The Influence of Patriotic Advertising on Consumers’ Intention to Purchase Domestic Cars in Vietnam
        Original Research Article
        Country Vietnam
      • Pages 09-25
      • Nguyen Thi Phuong Linh || Pham Phuong Hoa || Dam Thi Minh Huong || Pham Minh Ngoc || Nguyen Thi Nguyet || Nguyen Hong Tham
      • Abstract | pdf Pdf
      • This study examines factors influencing Vietnamese consumers' intention to purchase domestic automobiles, applying Message Framing Theory, Norm Activation Theory, and Means-End Chain Theory. Key factors include personal norms, awareness of consequences, ascription of responsibility, consumer effectiveness, self-brand connection, and patriotic advertising. Structural equation modeling results show that personal norms strongly impact purchase intention, mediated by awareness of consequences and responsibility. Consumer effectiveness and self-brand connection also enhance purchase intention. Additionally, patriotic advertising, when strategically framed, boosts consumer engagement. These findings offer insights for domestic brands and policymakers in leveraging normative and emotional factors to strengthen market competitiveness.


          • Implementing Telemedicine in Vietnam: Opportunities, Challenges,and Recommendations
            Original Research Article
            Country Vietnam
          • Pages 26-32
          • Quynh Anh Vu || Le Trung Duong || Minh Trang Dinh || Tho Thi Pham || Minh Quan Tran
          • Abstract | pdf Pdf
          • Healthcare and telemedicine play a crucial role in national development, both in Vietnam and globally. Although telemedicine has existed and evolved since the 1990s, health disparities remain a persistent challenge across various regions of Vietnam, affecting both rural and urban populations and limiting equitable access to patient-centered healthcare. Therefore, Vietnam should implement proper solutions in order to maintain and enhance the benefits of applying the telemedicine system in Vietnam while reducing the strain negatively affecting this system.


              • Financial Literacy and Investment Decisions amongst Small Scale Tea Farmers in Bomet County, Kenya
                Original Research Article
                Country Kenya
              • Pages 33-55
              • Beatrice Chepngenoh || Dr.Margaret Waruguru
              • Abstract | pdf Pdf
              • Financial literacy is increasingly critical due to the growing complexity of the global economy, with its absence hindering individuals' ability to make sound investment decisions. This study examines how financial literacy impacts the investment decisions of small-scale tea farmers in Bomet County, Kenya, focusing on their knowledge of borrowing, budgeting, saving, and record-keeping. A descriptive survey design was employed, with data collected from small-scale tea farmers in Bomet Central Sub-County using simple random sampling. Data analysis was conducted using SPSS Version 22.0, incorporating both descriptive and inferential statistics. Reliability tests confirmed the questionnaire's validity, with Cronbach alpha values ranging from 0.713 to 0.882. Findings revealed that savings literacy significantly positively influenced investment decisions (β = 0.174; p = 0.036), while borrowing literacy (β = -0.022; p = 0.805), budgeting literacy (β = -0.055; p = 0.501), and record-keeping literacy (β = 0.041; p = 0.647) had no significant impact. The study concludes that improving savings literacy is essential for enhancing investment decisions among small-scale tea farmers. It recommends continuous financial literacy programs focusing on effective saving strategies, goal setting and the benefits of savings for future investments to improve financial planning.


                  • Behind the Digital Mask: Unveiling the Drivers of Anonymous Negative Word-Of-Mouth in Education
                    Original Research Article
                    Country Vietnam
                  • Pages 56-69
                  • Minh Hoa Nguyen || Thi Minh Huong Dam || Phuong Hoa Pham || Minh Ngoc Pham || Thi Nguyet Nguyen || Hong Tham Nguyen
                  • Abstract | pdf Pdf
                  • This study investigates factors influencing anonymous negative electronic word-of-mouth (NeWOM) regarding school services among Gen Z on social media. Grounded in Protection Motivation Theory (PMT) and Spiral of Silence Theory (SoS), the research examines the roles of fear of negative evaluation (FNE), response efficacy (RE), perceived opinion support (POS), self-efficacy (SE), threat severity (TS), online privacy concerns (OPC) and Vulnerability (VU). A quantitative approach was employed, utilizing PLS-SEM analysis with data from 478 respondents. The findings demonstrate that online anonymity significantly amplifies NeWOM, with fear of negative evaluation (FNE) and online privacy concerns (OPC) being the most influential factors. In contrast, perceived opinion support (POS) and self-efficacy (SE) were found to be statistically insignificant. Additionally, the study reveals that Vulnerability (VU) positively moderates the relationship between online privacy concerns (OPC) and NeWOM, highlighting the role of perceived risk in shaping anonymous online behavior. These findings highlight the psychological and social drivers of anonymous NeWOM and emphasize the need for proactive reputation management and transparent communication in education.


                      • Beyond the Double Shift: “Exploring the Emotional And Financial Strain on Single Mother Working Students”
                        Original Research Article
                        Country Philippines
                      • Pages 70-76
                      • Dr. Alex L. Señara || Dr. Karen Jane S. Ungab || Joan T. Batahoy || Junmar C. Pizaña || Jacqueline L. Segundo,
                      • Abstract | pdf Pdf
                      • This study explores the lived experiences of twelve single mother working students in Business Administration of Tagoloan, Misamis Oriental, Mindanao, Philippines, examining the multifaceted socio - economic, psycho-social, and educational challenges they face. Through a qualitative phenomenological approach, the research delves into the emotional well-being, social dynamics, and economic circumstances of twelve single mothers working students. Findings reveal that the pressures ofmanaging multiple responsibilities often lead to emotional distress and depressive symptoms, exacerbated by limited time and resources. Participants consistently prioritized their children's well-being and education, frequently at the expense of their own needs. Social isolation and financial instability, stemming from varied employment situations, significantly impacted their decision-making and overall well-being. The study underscores the critical need for robust social support and financial stability to improve the lives of single parents and their children. Ultimately, this research highlights the urgent need for targeted policies and interventions, including government social legislation, to mitigate the complex challenges faced by single parents and enable them to achieve a fulfilling quality of life.


                          • Effect of Technology Adoption on the Performance of Oil Marketing Firms in Kenya
                            Original Research Article
                            Country Kenya
                          • Pages 77-83
                          • Faith Jepchirchir Kiprop || Dr. Jeptepkeny Bowen || Prof. Simon Kipchumba
                          • Abstract | pdf Pdf
                          • The oil marketing industry in Kenya faces stiff competition and fluctuating profitability, prompting firms to explore innovative strategies to enhance performance. This study aimed to determine the effect of technology adoption on the performance of oil marketing firms in Kenya. Anchored on the resource-based view and dynamic capabilities theories, the research employed a descriptive research design, targeting 64 heads of strategy in all oil marketing firms in Kenya. Data was collected using structured questionnaires and analyzed using correlation and multiple linear regression models. The results indicated that technology adoption significantly improves organizational performance, explaining 90.5% of the variance in performance. Firms that strategically adopt new technologies experience enhanced operational efficiency, innovation, and competitiveness. The findings underscore the critical role of technology adoption in driving firm performance, making it a key strategic priority for industry players. The study recommends that oil marketing firms invest in emerging technologies and foster a culture of continuous innovation to remain competitive in the dynamic energy sector. The insights from this study offer valuable contributions to industry players seeking sustainable and innovative strategies to enhance performance, making it a relevant topic for the conference's focus on innovation and partnerships.