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This study investigates the impact of financial literacy on small and medium-sized enterprises (SMEs), focusing on its role in enhancing financial decision-making, access to finance, fintech adoption, and risk management. Grounded in Resource-Based Theory (RBT) and Human Capital Theory (HCT), financial literacy is positioned as both a strategic capability and a form of human capital that strengthens firm resilience and competitiveness. A systematic literature review was conducted, synthesising evidence from 18 empirical studies published between 2016 and 2024. Findings reveal that financial literacy significantly improves SMEs’ ability to budget, manage debt, and evaluate investment decisions. It also enhances creditworthiness through improved financial record-keeping, thereby facilitating access to financing. Moreover, digital financial literacy is identified as a catalyst for fintech adoption, which contributes to cost reduction, operational efficiency, and financial transparency. The study concludes that targeted financial literacy interventions are essential, especially in developing economies where SMEs face structural constraints. It calls for integrated financial education strategies involving policymakers, financial institutions, and SME development agencies. Further empirical research is recommended to examine the long-term and digital dimensions of financial literacy as a driver of sustainable SME performance.

Road’s infrastructure is regarded as an essential factor to achieve development goals. It is recorded that most people living in the rural areas are constrained by poor road infrastructure, thereby causing poverty, hunger, and food insecurity. This situation calls for more investments in road infrastructure to promote agricultural activities. Using systematic review method, this study reviewed literature pertaining to road infrastructure in South Africa, the review focused on the importance, benefits, and present state of road infrastructure and the socio-economic effects of poor road infrastructure. The study revealed that Most South African roads are in bad shape, especially roads in the rural areas. due to lack of qualified personnel to manage road infrastructure, government regulations and policies and financial challenges. The implications of this study's findings are substantial for future research. Firstly, in order to ensure the timely delivery of infrastructure construction projects, the study's findings are expected to provide guidance to decision-makers and stakeholders in South Africa and other nations on how to proactively implement measures to provide and maintain sustainable, good road infrastructure.

Partial Least Squares Structural Equation Modeling has gained considerable attention across diverse academic fields, including business, social sciences, marketing, and management. A key challenge in utilizing PLS-SEM is balancing explanatory and predictive power when selecting the most suitable model from competing alternatives. This paper explores the effectiveness of various quality criteria for evaluating causal-predictive models, with a focus on resistance to change in Vietnamese SMEs. The study emphasizes the importance of both in-sample and out-of-sample predictions, using metrics such as R², BIC, AIC, Q², RMSE, MAE, and CVPAT. The findings reveal that traditional criteria like R² may not be sufficient for identifying the best model, while PLSpredict, CVPAT, BIC, and AIC offer superior performance in determining the optimal balance between explanatory and predictive capabilities. These insights provide practical implications for researchers and practitioners, highlighting the need to tailor model selection to specific objectives, such as theory development or real-world forecasting. For practitioners, the study underscores the benefits of leveraging simpler, more generalizable models for robust decision-making in dynamic or resource-constrained environments.

Indigenous communities possess rich traditions of conflict resolution rooted in their cultural values, collective decision-making, and community involvement. However, the imposition of Western legal frameworks and colonial histories has often disrupted these practices, leading to increased tensions and unresolved conflicts. This study explored conflict resolution within Indigenous communities, emphasizing the role of social work in facilitating culturally appropriate processes. The study employed a qualitative approach, incorporating interviews with Indigenous leaders, social workers, and community members, alongside a review of relevant literature on traditional practices and social work interventions. Social workers play a crucial role as facilitators, helping to navigate tensions and bridging gaps between traditional practices and contemporary needs. Challenges include a lack of cultural competency and the need for ongoing community engagement. The integration of Indigenous knowledge systems into conflict resolution practices enhance outcomes and foster healing. Social workers prioritize cultural humility and active listening, ensuring that Indigenous voices lead the resolution process. By supporting the reclamation of traditional conflict resolution methods and advocating for culturally sensitive practices, social workers empowered Indigenous communities, promote resilience, and facilitate more effective conflict resolution. This perspective underscores the necessity of collaboration, respect, and recognition of Indigenous sovereignty in all social work interventions.

This study presents a systematic literature review analysing the impact of artificial intelligence (AI) on higher education, focusing on its methods, results, and implications. By synthesising a diverse range of academic papers, the review explores how AI technologies influence educational standards and practices in higher education institutions. Findings reveal that AI has the potential to enhance the quality of higher education by diversifying teaching responsibilities, customising learning experiences, and employing intelligent, adaptive teaching strategies. These capabilities position AI as a transformative tool for improving educational delivery and outcomes. However, the study also highlights significant challenges associated with integrating AI into higher education. These challenges include delineating the appropriate scope of AI use, addressing inequalities in access to digital resources, and ensuring adequate training and support for educators and students. The review underscores the importance of understanding these complexities to guide the development of effective strategies and policies that optimise AI's potential while mitigating its limitations. The review offers critical insights into the dual role of AI in higher education, where it can either advance or hinder educational standards depending on how it is implemented. By examining the advantages, limitations, and broader consequences of AI-powered instructional tools, this study provides a comprehensive perspective on the intricate relationship between AI and educational quality. The findings aim to inform educators, policymakers, and stakeholders about the opportunities and challenges of adopting AI in higher education, contributing to the development of inclusive, innovative, and sustainable educational practices.

The main aim was to determine how the supply chains of the FMCG industry may enhance their resilience through the adoption of digital technologies. Additionally, enhancing visibility and transparency through the augmentation of operational efficiency to elevate overall performance. This analysis utilised the Uncertainty Framework theory, which provides a systematic approach for identifying, categorising, and managing uncertainties within the supply chain. Organisations can formulate strategies to effectively manage and mitigate risks by understanding the many dimensions of uncertainty within the supply chain and their interrelations. The research utilised a qualitative methodology, gathering data via semi-structured interviews with 25 supply chain specialists and senior executives possessing extensive experience in the FMCG sector. The study's findings indicate that digital transformation enhances agility, transparency, and data-driven decision-making, which is crucial for bolstering the resilience of the FMCG supply chain. Six themes emerged from the findings: data-driven decision-making, supply chain visibility and transparency, automation and robots, collaborative platforms and ecosystems, predictive analytics and forecasting, and traceability and sustainability. The research will enhance our understanding of the implementation of digital transformation initiatives throughout FMCG supply chains. This involves analysing the application of digital technologies in supply chain operations. The study may ascertain the impact of these technologies on various resilience criteria, including flexibility, agility, visibility, and responsiveness, by analysing the role of digital transformation in FMCG supply chains. The research findings can assist supply chain managers in making educated decisions on investments and strategic planning for digital transformation initiatives.Research on digital transformation in the FMCG sector is limited, particularly on these unprecedented upheavals. Moreover, there is little study connecting digital transformation with sustainability and resilience in FMCG supply chains, which is essential for comprehending how these projects might collaboratively enhance robust supply systems.

Small and Medium Enterprises (SMEs) in South Africa previously faced challenges due to limited resources, restricted access to technology, and the need to constantly adapt to a dynamic business environment. The introduction of Generative Artificial Intelligence (AI) emerged as a potential solution to these issues, promising to enhance operational efficiency and strategic decision-making. As a representative of developing economies, South Africa experienced a growing interest in AI technologies. This study was conducted to explore the impact of generative AI on SME productivity in South Africa, an area which had been underexplored. Employing a qualitative methodology, the study evaluated the current state and implications of generative AI in South African SMEs. It involved in-depth interviews to gather perceptions, experiences, challenges, and benefits from SME owners and managers regarding the adoption of generative AI technologies. The findings analysed via R Statistical Software revealed significant insights into the specific areas where generative AI substantially impacted SME productivity. It also identified the challenges and opportunities associated with the adoption of generative AI by SMEs, as well as the potential long-term implications. Key findings included notable improvements in data-driven decision-making, operational efficiencies, and market expansion strategies. However, the study also highlighted barriers such as the lack of technical expertise, initial setup costs, and concerns over data security. Overall, the impact of generative AI on SMEs in South Africa was found to be predominantly positive, paving the way for further technological advancements and adoption in the sector.

Employee turnover poses a significant challenge for South African municipalities, particularly for retaining tacit organisational knowledge. Therefore, this study assessed how employee turnover impacts organisational tacit knowledge retention in South African municipalities. The study uses secondary data analysis to examine employee turnover in critical positions in various municipalities in South Africa, such as senior management and those earmarked as scarce skills. The findings of this study show that employee turnover significantly negatively impacts tacit organisational knowledge. The findings further revealed that turnover exacerbates the retention of the organisational knowledge gap within municipalities, often leading to diminished service quality and increased operational costs such as recruitment and use of service consultants. Furthermore, the study highlights the gap between rhetoric (policies) and actual practice (implementation) in addressing the issues of service quality and operational costs, noting that existing retention strategies and knowledge management approaches often need to be revised. Questioning the effectiveness of retention strategies, the paper suggests that municipalities require more proactive and innovative approaches to manage turnover and organisational tactical knowledge retention to enhance public service delivery continuity and organisational sustainability. Furthermore, municipalities should integrate retention strategies such as succession planning, continuous training, leadership, and mentorship programmes into a broader municipal governance framework.

The amalgamation of traditional and modern governance systems represents a transformative advancement in contemporary African government. This study examines the concept of "hybridity governance" within the African context, providing a comprehensive theoretical framework that integrates modern institutional procedures with traditional governance systems. The paper examines the evolution of African governance from pre-colonial to post-colonial eras, illustrating the emergence of hybrid governance as a response to internal dynamics and external influences. It accomplishes this by utilising historical studies. The philosophical underpinnings are investigated, highlighting organisational and social concepts that elucidate the acceptance of hybrid models. The paper elucidates the applications, accomplishments, and challenges of hybrid government in several African nations through various empirical case studies. A critical examination examines the consequences of these governance paradigms for public administration in Africa. It underscores opportunities for innovation and enhanced flexibility, while also emphasising intrinsic challenges such as job ambiguity and conflict. The report concludes with forecasts regarding the future trajectory of hybrid governance in Africa, considering the interplay of local socio-political dynamics, global interconnectedness, and technological advancements. This article serves as a vital resource for policymakers, researchers, and stakeholders interested in the evolving governance paradigm in Africa, providing valuable applications and recommendations.  

This paper examines the shift from Industry 4.0 to Industry 5.0 in relation to sustainable supply chain management (SCM), highlighting the incorporation of human-centric technologies. As industries progress, there is an increasing necessity to integrate technologies that enhance human-machine collaboration, optimise operational efficiency, and foster sustainability. This work aims to do a systematic review of the evolutionary process, emphasising the transformation of supply chain management by these technologies. A systematic review technique, adhering to the PRISMA framework, was utilised to collect and assess pertinent material published between 2010 to 2024. The review encompassed an exhaustive database search, stringent eligibility screening, and thematic analysis via Atlas-ti software to discern main themes and patterns concerning the incorporation of human-centric technology in supply chain management. The results indicate that the change to Industry 5.0 entails a substantial movement towards human-automation collaboration, with AI and machine learning as essential components. Digital transformation is redefining supply chain management by utilising big data, the Internet of Things, and blockchain technology to enhance transparency, traceability, and decision-making. Bionic supply chains, integrating human intelligence with machine efficiency, are developing as a vital foundation for operational resilience and sustainability. The study suggests that the incorporation of human-centric technology in supply chain management enhances efficiency and sustainability while fostering a more resilient supply network adept at reacting to interruptions. This paper offers essential recommendations for academics and practitioners seeking to enhance supply chain operations in the context of Industry 5.0.

This study advances research and practice related to adopting artificial intelligence (AI) in the context of South Africa (SA). The study evaluated AI adoption by South African manufacturing Small and Medium Enterprises (SMEs); established the challenges faced by manufacturing SMEs in adopting AI; and developed a framework for adopting AI for manufacturing SMEs’ growth and survival. The study adopted a systematic literature review approach. Articles from Scopus and Google scholar databases, ranging from the years 2018 to 2024, were used. Of the 206 articles found, 54 were shortlisted. The systematic review analysis was performed using the PRISMA framework. The results identified AI adoption by South African manufacturing SMEs is low, limiting their innovation and productivity. The results also show, despite the numerous benefits AI adoption can offer manufacturing SMEs in the country, a major constraint is the lack of a framework to enhance adoption and implementation. Hence, this study was conducted to develop a framework to improve AI adoption by South African manufacturing SMEs. The findings contribute to the body of knowledge and provide new insights to manufacturing SME owners/managers, policymakers and practitioners into AI adoption to enhance manufacturing SMEs’ ability to compete on the global stage.

Competitive intelligence strategies are employed by higher education institutions to assist with student recruitment. These competitive intelligence (CI) strategies help maintain or increase market share in education. Utilising competitive intelligence is crucial for firms in competitive markets, assisting in strategic planning and execution. Higher education organisations can benefit from CI to make informed decisions and develop strategic goals. The competition between selected public universities that reside in the same town has resulted in devising competitive strategies to attract grade 12 students with effective and innovative student recruitment strategies. The study sought to examine how competitive intelligence is used as a strategy to promote student recruitment at selected public universities. The study adopted a quantitative research approach where 234 first-time entering university students were used as key informants. To collect data, a questionnaire was used and is attached. It was discovered that both institutions utilised similar strategies to recruit students. Results reveal that the selected public universities employ traditional and technology-based strategies for student recruitment, relying on past success rather than a standardised approach based on competitive intelligence. Further research is needed to evaluate the effectiveness of competitive intelligence strategies in student recruitment, aiming to promote diverse communication needs among current and potential students.

This study examined the role of soft skills, technical skills and academic performance on graduate employability. The study was underpinned by the Human Capital Theory. By using a positivist quantitative approach data were collected from one higher education institution in Tanzania. The study used a sample of 217 final year students who filled a standard questionnaire. Data analysis employed descriptive and inferential statistics. The study found that soft skills (r=.644, p<.05), technical skills (r=.593, p<.05) and academic performance (r=.376, p<.05) individually predict perceived graduate employability. As per the findings, students with better soft and technical skills have a higher chance of getting employed. On the other hand, students with higher academic performance as measured by grade point average (GPA) are more employable than those with lower performance. Controlling these three independent variables depends on efforts of various stakeholders. This research calls for collective efforts of educators, policy makers, students, regulatory authorities and other stakeholders to work in ensuring that right and relevant skills are provided in HEIs and there is a supportive environment for students to perform better academically.

The advent of Industry 5.0 marks a pivotal moment in global industry, characterized by the fusion of advanced technologies and human-centred approaches. Embedding Technological Pedagogical Content Knowledge (TPACK) into teacher training becomes imperative in Africa, where the demand for skilled professionals is burgeoning. This study delves into the transformative potential of TPACK for African educators, emphasizing its role in equipping them with skills to prepare students for Industry 5.0 demands. Through a systematic literature review spanning from 2000 to 2024, this research examines TPACK's multifaceted dimensions and its relevance to twenty-first-century learning skills in Africa. It scrutinizes how emerging technologies like artificial intelligence reshape pedagogical practices and content delivery in African educational contexts. Furthermore, it explores TPACK's ability to empower teachers in nurturing critical thinking, problem-solving, and digital literacy among students, essential for navigating the complexities of Industry 5.0. The findings underscore the necessity for tailored professional development programs integrating TPACK into African teacher training curricula. Moreover, the research stresses the importance of contextualizing TPACK within the socio-economic and cultural realities of African classrooms to ensure its efficacy. Additionally, the study highlights the pivotal roles of government policies and educational institutions in providing necessary support and resources for widespread TPACK adoption among educators. This research advocates for a paradigm shift in African teacher education, highlighting TPACK's centrality in preparing educators for Industry 5.0 challenges and opportunities. By equipping teachers with adept technology integration skills, African nations can foster innovative and globally competitive learners poised to thrive in the fourth industrial revolution.

The purpose of this article is to clarify the impact of technological, organisational, and environmental contexts in which Artificial Intelligence solutions are implemented by the accounting and audit companies in Europe. The organizational and environmental contexts were not enough studied in accounting and audit field but are becoming more and more important in the future. The applied methodology was based on a structured interview, to which it has answered 62 top financial specialists from 18 European countries, in companies with more than 10 years of experience in the accounting and audit sector. To design the structured interview, it was used the Technology-Organisation-Environment framework. A serious concern for the companies’ representatives consists in the lack of specialists capable to understand and work with Artificial Intelligence solutions. One option that is generally preferred by companies is to prepare their employees for these new tasks, rather than hiring qualified persons. There are two methods that can be used when implementing Artificial Intelligence, to buy specific provided solutions from third parties, or to developed them internally. Data storage and security, the complexity of Artificial Intelligence solutions and government regulations do not represent a threat to companies willing to develop this area. The main contribution of this study consists of an extensive analysis of the most important elements of Technology-Organisational-Environmental framework and their applicability for accounting and audit companies, which implemented or are willing to implement Artificial Intelligence solutions. 

The post-secondary vocational education system in South Africa encounters many challenges, including a lack of professionalism among certain teaching people, an unresponsive curriculum, and inadequate management of day-to-day operations, leading to fragmentation within the system. This is corroborated by a 2014 Training Needs Assessment Study (TNAS) that uncovered a dearth of effective college leadership management abilities and the utilisation of insufficient instructional approaches in certain vocational schools. This study aimed to investigate the possible factors influencing the quality of Technical and Vocational Education and Training (TVET) in certain colleges located in the Gauteng area of South Africa. The study employed a quantitative research methodology, collecting data using a survey. Subsequently, the data was subjected to analysis using SPSS. This study hypothesised that the current state of affairs may be attributed to inadequate and fragmented leadership and management techniques. The researchers expressed uncertainty regarding the implementation of a more integrated and focused leadership approach that would disperse responsibility for student accomplishment in order to enhance outcomes. This study aimed to examine the main obstacles to enhancing students' performance in TVET colleges and explore how a dispersed instructional leadership approach may be conceptualised to tackle these challenges at the institutional level. The study highlights the significance of collaboration and a fair allocation of power and competence to promote a collective leadership vision in the pursuit of enhanced institutional performance in a sector in need of positive results.

The extent of women's representation and visibility in local government planning in South Africa has been significantly constrained. Over the years, the recurring phenomenon of insufficient participation and representation in local governance has become a prevalent issue within the country. The inclusion and participation of women in the decision-making process of local government should not be driven solely by the necessity to comply with legislative and policy frameworks and not by just a mere representation in terms of reflecting on the number of participants. Incorporating diverse individuals and groups is crucial in guaranteeing that progress within communities is accomplished acceptably.  The act of prioritizing men's interests or political opportunism over women's interests in local government planning lacks justification.  This study elucidates diverse factors that underlie the insufficient involvement and representation of women in local government planning. These variables encompass the prevalence of custom, culture, and tradition; socialisation, attitudes, and stereotypes; violence against women in politics; the media; finances and resources; structural deficiencies; patriarchy; and education. The research relied on existing scholarly works and documented accounts to investigate the causative elements and explicate their effect on the developmental condition. The article posits that addressing these factors requires a comprehensive approach that includes a multifaceted approach and a dosage of sustained efforts to ensure that there is gender balance and fair representation of women in local government planning. The study contributes to a better understanding of the participation and representation of women in the context of local government planning. It provides insights into strategies for creating more inclusive opportunities for women to express their views and exercise influence in local decision-making procedures.

ESGs, or sustainable business practices, are becoming more and more popular as more stakeholders, regulators, and investors want to conduct business in a way that helps address urgent global issues like environmental degradation, climate change, ethical supply chains, and global well-being. Consequently, while making investment decisions, environmental, social, and governance (ESG) factors are given more weight in the operational and strategic objectives of the organization. The purpose of this research is to determine the relationship between a company's financial success and market value and its environmental, social, and governance (ESG) performance. This research uses financial performance as a mediating impact and integrates the risk mitigation element, which is the foundation of sustainability. Data from publicly traded businesses on the Indonesia Stock Exchange with ESG risk from Sustainalytics and ESG ratings from Refinitiv were used in the study. Purposive sampling was the sampling approach utilized to acquire 48 observation firms for empirical testing. The results indicate that only the individual environmental ESG score has a positive and significant impact on financial performance and company value, whereas the composite ESG score has a positive and substantial impact on financial performance. The finding of this study is that the improvement of corporate ESG performance can increase corporate value, and corporate financial performance provides an obvious mediating effect. The findings further show that low-risk ESG scores have an impact on increasing firm value with financial performance as the mediation.

This research aims to determine the effect of Islamic leadership, organizational culture, motivation, work environment, and job satisfaction on employee performance. Utilizing a quantitative approach, data was gathered through a survey method using a Likert-type scale with 5 rating options. The population in this study was all the employees of Universitas Muhammadiyah Purwokerto as many as 721 and the sample of 142 respondents was conveniently selected for this research.  In this study the technique of analyzing the data using multiple regression analysis and the coefficient of determination test R2. Research results indicate that while organizational culture has no significant effect on employee performance, Islamic leadership, motivation, the work environment, and job satisfaction all positively and significantly affect employee performance. The findings of this research offer insights that can enhance employee performance within organizations. The independent variables Islamic leadership, organizational culture motivation work environment, and job satisfaction have an impact on 69.6% of the employee performance variable at Universitas Muhammadiyah Purwokerto and factors not covered in this study will have an impact on the remaining 30.4% of the employee performance variable. Organizations should prioritize enhancements in Islamic leadership, organizational culture, motivation, work environment, and job satisfaction to achieve this. Strategies for improvement may include fostering learning and development opportunities for employees, cultivating a positive and supportive workplace atmosphere, and providing competitive compensation and benefits packages.

This study aims to investigate the impact of transactional leadership on employee performance through the mediation of job satisfaction, job stress, and trust. This study employs explanatory research using a quantitative approach. The population in this study were employees of companies engaged in shipbuilding in Surabaya city, namely PT. Dok dan Perkapalan Surabaya (Persero). The study used saturated sampling. The study had 69 respondents. Data was gathered through surveys and documentation, and the instrument was tested using likert scales. The data were analyzed using the structural equation model partial least squares (SEM-PLS) modelling. The finding of this study indicated that Transactional Leadership can enhance employee performance. Furthermore, Transactional Leadership can boost job satisfaction and trust while reducing employee stress. Employee performance can be improved by addressing job satisfaction issues. Employee performance is positively correlated with job satisfaction. However, Job stress has no significant effect on employee performance. While trust can enhance employee performance. Job Satisfaction can mediate the effect of Transactional Leadership on Employee Performance, whereas Job Stress cannot. Trust has the ability to mediate the impact of Transactional Leadership on Employee Performance. The findings of this study advise PT. Dok dan Perkapalan Surabaya (Persero) to maintain and improve the leader's transactional leadership style in managing various resources in the company in order to foster a positive relationship between employees and the company, allowing employee performance to improve optimally.