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    <title>Journal of Business and Management Sciences</title>
    <link>http://www.sciepub.com/journal/JBMS</link>
    <description>Journal of Business and Management Sciences is a peer-reviewed, open access journal that provides rapid publication of articles in all areas of business and management sciences. The goal of this journal is to provide a platform for scientists and academicians all over the world to promote, share, and discuss various new issues and developments in different areas of business and management Sciences.</description>
    <dc:publisher>Science and Education Publishing</dc:publisher>
		<dc:language>en</dc:language>
		<dc:rights>2013 Science and Education Publishing Co. Ltd All rights reserved.</dc:rights>
		<prism:publicationName>Journal of Business and Management Sciences</prism:publicationName>
		13
		6
		January 2025
		<prism:copyright>2013 Science and Education Publishing Co. Ltd All rights reserved.</prism:copyright>
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<title>
Digital Financial Inclusion Strategy and Performance of Deposit Taking SACCOs in Kenya
</title>
<link>http://pubs.sciepub.com/jbms/13/6/1</link>
<description>
<![CDATA[The deposit-taking SACCOS experienced slow growth, with a marginal decrease in total assets from 10.31% in 2022 to 9.17% in 2023. In addition, the gross loans had a marginal decrease from 11.76% recorded in 2022 to 11.50% in 2023. The large tiered deposit-taking SACCOS with assets exceeding Kshs 5 billion rose from 42 in 2021 to 47 in 2022 and from 47 in 2022 to 53 in 2023. This study examined the effect of internet banking, mobile banking, automated teller machines, and credit cards on the performance of deposit-taking SACCOS. The research was anchored on resource-based view, dynamic capabilities theory, the technology-organization-environment framework, and the Technology Acceptance Model theory. Descriptive designs were employed and the target population included all 42 deposit-taking SACCOS situated in Nairobi however a sample size of 156 was selected using stratified random sampling techniques. Pilot test was carried out involving sixteen (16) respondents. The validity will be determined. Reliability of the study instrument was tested using Cronbach's alpha coefficient, with a threshold of 0.7. Descriptive and inferential statistics were employed to analyze quantitative data. The analysis indicated that internet banking, mobile banking, automated teller machines, and credit cards significantly improved the performance of deposit-taking SACCOs. The study recommends that the SACCO Societies Regulatory Authority and relevant stakeholders develop and implement a national Digital Transformation Policy Framework for SACCOs to support the adoption of internet banking platforms.]]>
</description>
<dc:creator>
Kennedy  Githua, S.  Makau A. Muathe
</dc:creator>
<dc:date>2025-12-10</dc:date>
<dc:publisher>Science and Education Publishing</dc:publisher>
<prism:publicationDate>2025-12-10</prism:publicationDate>
<prism:number>6</prism:number>
<prism:volume>13</prism:volume>
<prism:startingPage>184</prism:startingPage>
<prism:endingPage>189</prism:endingPage>
<prism:doi>10.12691/jbms-13-6-1</prism:doi>
</item>
<item rdf:about="http://pubs.sciepub.com/jbms/13/6/2">
<title>
Relationship between Seniors’ Perceptions of Value Disciplines and Organizational Performance in Hotels and Accommodations Sector: The Moderating Effects of Relational Trust in a Corporate Context
</title>
<link>http://pubs.sciepub.com/jbms/13/6/2</link>
<description>
<![CDATA[This study examined the effects of value disciplines on organizational performance as well as the moderating effects of relational trust-value discipline interactions on organizational performance. Data were collected through an electronic questionnaire survey conducted among individuals holding the positions of chairperson, general manager, deputy general manager, assistant manager, and director in hotels (i.e., star-rated and tourist hotels) and inns (i.e., business hotels and motels). The results indicated that, in the hotel group, value disciplines (operational excellence and product leadership) had a significant positive influence on organizational performance, whereas in the inn group, only customer intimacy showed a significant positive influence. In addition, the interaction between relational trust and value disciplines (product leadership and customer intimacy) exhibited significant moderating effects on organizational performance in both the hotel and inn groups.]]>
</description>
<dc:creator>
Kao  Jen-Shou, Liu  Chun-Chu, Chen  Po-Jen, Kan  Tang-Chung
</dc:creator>
<dc:date>2025-12-16</dc:date>
<dc:publisher>Science and Education Publishing</dc:publisher>
<prism:publicationDate>2025-12-16</prism:publicationDate>
<prism:number>6</prism:number>
<prism:volume>13</prism:volume>
<prism:startingPage>190</prism:startingPage>
<prism:endingPage>198</prism:endingPage>
<prism:doi>10.12691/jbms-13-6-2</prism:doi>
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