IOSR-JBM   Volume-28 ~ Issue-2 ~ February 2026

Abstract: Recruitment practices in India have experienced substantial changes in the last decade, influenced by technological progress, demographic transitions, changing job seeker expectations, market competition, and the increasing demand for skilled talent in a swiftly digitalizing economy. The shift towards digital recruitment, AI-driven screening systems, social media hiring, and data-centric talent analytics has transformed how organizations......

Keywords: Recruitment trends, talent acquisition, digital recruitment, artificial intelligence in hiring, employer branding, skill shortages, Indian labor market, virtual recruitment, gig workforce, HR analytics, and workforce diversity.

[1]. Agarwal, P., & Kapoor, S. (2022). Digital Transformation In Recruitment: A Study Of Indian Organizations Adopting AI And Automation. Human Resource Development Review, 21(3), 245–263. Https://Doi.Org/10.1177/15344843221098745
[2]. Arthur, D. (2019). Recruiting, Interviewing, Selecting & Orienting New Employees (6th Ed.). AMACOM.
[3]. Ballantyne, I. (2017). Recruiting And Selecting Staff In Organizations. In I. Beardwell & T. Thompson (Eds.), Human Resource Management: A Contemporary Approach (Pp. 125–156). Pearson.
[4]. Bhattacharya, M. (2021). Employer Branding And Talent Attraction In India’s Knowledge Sector. Indian Journal Of Industrial Relations, 56(4), 689–705.
[5]. Bryson, A., & Freeman, R. B. (2018). The Future Of Work And Labor Policies. Journal Of Labor Economics, 36(1), S17–S48.

Abstract: This study analysed the complexities of managerial decision-making in establishing new bank branches at Zambia National Commercial Bank (Zanaco) PLC, Zambia’s largest commercial bank. Although Zanaco has a comprehensive network of 63 branches and continues to expand access to its services both in urban and rural regions, the decision-making of new branch establishment is understudied. The research investigated the critical factors driving......

Keywords: Bank Branch Expansion; Managerial Decision-Making; Zanaco Bank PLC; Market Demand; Risk Management; Operational Challenges; Regulatory Compliance; Financial Inclusion; Location Strategy

[1]. Ajzen, I. (1991). The Theory Of Planned Behavior. Organizational Behavior And Human Decision Processes, 50(2), 179–211.
[2]. Ansong, D., Chowa, G., & Adjabeng, B. K. (2015). Spatial Analysis Of The Distribution And Determinants Of Bank Branch Presence In Ghana. International Journal Of Bank Marketing, 33(3), 201–222. Https://Doi.Org/10.1108/IJBM-09-2013-0103
[3]. Bank Of Zambia. (2017). National Financial Inclusion Strategy 2017–2022. Lusaka: Bank Of Zambia.
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Abstract: This research considers a question of the functionality of the volatile market environment which businesses are faced with, and the lack of information about consumers, except producers themselves are consumers. Focusing on an individual consumer and the decisions they would make faced with a purchase decision. The information given to.....

Keywords: Keywords: consumer, behaviour, producer, marketing, focused

[1]. Barnett, W. (March, 2003). The Modern Theory Of Consumer Behavior: Ordinal Or Cardinal?. The Quarterly Journal Of Austrian Economics. Vl 6(1). Sourced At
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Abstract: The research aimed to find out the impact of employee loan on employee productivity and morale downgrade at Finsbury Park Limited.
Despite other lending institutions after a memorandum of understanding giving out private institutions employee loans on the larger scale, as part of retaining employees for the private sector institution and helping those becoming economically stronger. The deduction......

Keywords: Employee, employer, loans, morale, work place

[1]. Ameen, K., Batool, S. H., & Naveed, M. A. (2018). Difficulties Novice LIS Researchers Face While Formulating A Research Topic. Information Development, 0266.
[2]. Aidoo, E. (2018). Effect Of Employee Morale On Productivity In The Ghanaian Public Sector. The Mediating Role Of Delegation. Archives Of Business Research, 6(8).[3].
Allan, B. A., Dexter, C., Kinsey, R., & Parker, S. (2018). Meaningful Work And Mental Health: Job Satisfaction As A Moderator. Journal Of Mental Health, 27(1), 38-44.
[4]. Ameen, K., Batool, S. H., & Naveed, M. A. (2018). Difficulties Novice LIS Researchers Face While Formulating A Research Topic. Information Development, 0266
[5]. Babalola, M. T., Stouten, J., Euwema, M. C., & Ovadje, F. (2018). The Relation Between Ethical Leadership And Workplace Conflicts: The Mediating Role Of Employee Resolution Efficacy. Journal Of Management, 44(5), 2037-2063..

Abstract: Motivated workers often show more commitment towards their work and this often translates to higher personal performance and consequently improved organizational performance. It is obvious that motivation is one of the main factors that determine the work performance of employees and highly motivated employees are crucial to an organization’s success. This study investigated the factors influencing employee motivation and its impact on employee performance at the National Pension Scheme Authority (NAPSA). Utilizing Herzberg's Two-Factor Theory, Expectancy Motivation Theory, and other motivation-related frameworks, the research examined both intrinsic and......

Keywords: Employee motivation, performance, National Pension Scheme Authority, Lusaka, Zambia

[1] Abadi, A. H., Irani, S. M., & W. A. C. J. (2011). The Role Of Financial Incentives In The Motivation Of Employees. International Journal Of Business And Management, 6(5), 54-60.
[2] Abdullah, M., & Djebavni, M. (2011). The Impact Of Training And Development On Employee Performance. International Journal Of Business And Management, 6(9), 123-130.
[3] Amin, S. (2010). The Impact Of Empowerment On Employee Performance: A Study On Employees Of Pakistan's Banking Sector. International Journal Of Business And Management, 5(10)
[4] Browne, J. (2018). The Role Of Public Sector Institutions In Employee Motivation. Journal Of Public Administration, 45(2), 134-149.
[5] Chiang, F. F. T., & Jang, S. (2008). The Effects Of Service Behaviours On Customer Satisfaction: The Mediating Role Of Information Availability. International Journal Of Hospitality Management, 27(1), 115-123.

Abstract: This study examines the challenges faced by print media due to the introduction of digital products and services. Employing a mixed-methods approach, the research combined qualitative interviews with editors and management and quantitative surveys of 200 readers, to assess shifts in readership, revenue and consumer behaviour. Findings indicate a pronounced migration of audiences from print to digital platforms, driven by the immediacy, affordability and interactivity of online news, alongside demand for diverse viewpoints not fully available.....

Keywords: Digital disruption, Print media, Zimpapers, Online news, Consumer behaviour, Zimbabwe, Media sustainability

[1]. Anderson, C. W., Bell, E., & Shirky, C. (2012). Post-Industrial Journalism: Adapting To The Present. Tow Center For Digital Journalism, Columbia Journalism School.
[2]. Bai, J. (2021). Research On The Transformation Strategy Of Traditional Print Media: Taking The Closure Of Beijing Morning Post As An Example. Advances In Social Science, Education And Humanities Research, 563, 236–240. Atlantis Press.
[3]. Cornia, A. (2016). Private Sector Media And Digital News. Reuters Institute For The Study Of Journalism.
[4]. Digital Journalism: Embracing The Future Of News. (2024, June 23). The Herald.
[5]. Gambanga, N. (2014, November 11). Zimpapers Embraces Digital With New Online Platforms. Techzim.

Abstract: In today's rapidly evolving financial landscape, digital marketing has become a pivotal tool for banks to engage with their customers, drive brand awareness, and provide seamless services. Axis Bank, one of India's leading private sector banks, has embraced digital marketing as an integral component of its business strategy. This introduction sheds light on how Axis Bank utilizes digital marketing to connect with its audience, enhance customer experiences, and stay competitive in the ever-changing banking industry. Axis Bank's Digital Transformation......

Keywords: Axis Bank, Digital Banking, Marketing, Facilities, Business, Services, Loan & Advances, Global World. Digital.

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Abstract: The COVID-19 pandemic exposed structural vulnerabilities in global supply chains, particularly for firms operating in emerging economies that rely heavily on international sourcing. This study examines how Magers Deluxe Investment Limited (MDIL), a mid-sized procurement and supply firm based in Lusaka, Zambia, responded to supply chain disruptions caused by the pandemic. Using a qualitative case study approach, data were collected......

Keywords: Supply chain resilience, COVID-19, supplier diversification, digitalization, emerging economies, Zambia

[1]. Christopher, M., & Peck, H. (2004). Building The Resilient Supply Chain. The International Journal Of Logistics Management, 15(2), 1–14. Https://Doi.Org/10.1108/09574090410700275
[2]. Herbane, B. (2010). The Evolution Of Business Continuity Management. Business History, 52(6), 978–1002.
Https://Doi.Org/10.1080/00076791.2010.511185
[3]. Ivanov, D. (2021). Supply Chain Viability And The Covid-19 Pandemic: A Conceptual And Formal Generalisation Of Four Major Adaptation Strategies. International Journal Of Production Research, 59(12), 3535–3552.
Https://Doi.Org/10.1080/00207543.2020.1868522
[4]. Ivanov, D., & Dolgui, A. (2020). Viability Of Intertwined Supply Networks: Extending The Supply Chain Resilience Angles Towards Survivability. Production Planning & Control, 32(9), 775–788. Https://Doi.Org/10.1080/09537287.2020.1750727
[5]. Queiroz, M. M., Ivanov, D., Dolgui, A., & Wamba, S. F. (2020). Impacts Of Epidemic Outbreaks On Supply Chains: Mapping A Research Agenda Amid The Covid-19 Pandemic Through A Structured Literature Review. International Journal Of Production Research, 58(14), 1–23. Https://Doi.Org/10.1080/00207543.2020.1772157.

Abstract: Background The study investigated the major factors hindering the full adoption of e-commerce by Small and Medium Enterprises (SMEs) in Serenje District of Central Province, Zambia. Despite the increasing importance of electronic commerce in enhancing efficiency and competitiveness, many SMEs in Serenje have not fully embraced e-commerce, thereby limiting their operational effectiveness and market reach. The aim of the study was to determine the major factors that hinder the full adoption of e-commerce, to establish the manifest value or benefits of e-commerce......

Keywords: E-commerce, Adoption, Information and Communication Technology, Consumer

[1]. Al-Dmour, H., Al-Fawaz, K., & Al-Dmour, R. (2012). Factors Influencing The Adoption Of E-Commerce By Small And Medium Enterprises. International Journal Of Business And Management, 7(17), 148–162.
[2]. Alonso-Mendo, F., Fitzgerald, G., & Frias-Martinez, E. (2009). Understanding Website Redesigns In Smes: A Sociotechnical Perspective. Journal Of Information Technology, 24(3), 201–213.
[3]. Jaidee, S., & Beaumont, N. (2003). Information Technology Adoption In Thai Small And Medium-Sized Enterprises. Journal Of Small Business And Enterprise Development, 10(3), 340–356.
[4]. Kapurubandara, M., & Lawson, R. (2006). Barriers To Adopting ICT And E-Commerce With Smes In Developing Countries: An Exploratory Study In Sri Lanka. In Proceedings Of The International Conference On Business Information Systems (Pp. 200–215).
[5]. Rogers, E. M. (2003). Diffusion Of Innovations (5th Ed.). London: Free Press

Abstract: Background: Extreme weather events and socio-environmental disasters have exposed the limitations of conventional reconstruction models. Standardised solutions ignore local productive capacity, creating a paradox of critical scarcity in the face of idle resources. In the field of design, especially in the development of emergency furniture, more ethical responses that integrate environmental, productive and social criteria are needed. Based on the theoretical......

Keywords: Regenerative Design; Circular and Distributed Economy; Post-Disaster Furniture; Open Systems

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Abstract: This study investigates the relationship between technopreneurship and start-up survival rate among Small and Medium Enterprises (SMEs). In dynamic and competitive business environments, start-ups require strong technological, innovative, digital, and entrepreneurial capabilities to survive and grow. Drawing on the Resource-Based View (RBV) and Dynamic Capabilities Theory, the study examines how the four dimensions of technopreneurship,technological capability, innovation orientation, digital utilization, and entrepreneurial competenceaffect....

[1]. Audretsch, D. B., & Belitski, M. (2021). Entrepreneurial Ecosystems In Cities: Establishing The Framework Conditions. Journal Of Technology Transfer, 46(5), 1610–1631.
[2]. Autio, E., Kenney, M., Mustar, P., Siegel, D., & Wright, M. (2018). Entrepreneurial Innovation: The Importance Of Context. Research Policy, 47(9), 1637–1653.
[3]. CB Insights. (2024). The Top Reasons Start-Ups Fail. CB Insights Research Report.
[4]. Giones, F., & Brem, A. (2017). Digital Technology Entrepreneurship: A Definition And Research Agenda. Technology Innovation Management Review, 7(5), 44–51.
[5]. Nambisan, S., Wright, M., & Feldman, M. (2019). The Digital Transformation Of Innovation And Entrepreneurship. Research Policy, 48(8), 103773.

Abstract: Effective Monitoring and Evaluation (M&E) systems are critical for enhancing accountability, learning, and performance in donor-funded development interventions, particularly in low- and middle-income countries. This study examined the impact of M&E practices on the success of donor-funded projects in Zambia, focusing on the health, education, agriculture, and infrastructure sectors. A mixed-methods research design was employed, combining quantitative....

Keywords: Monitoring and Evaluation, Donor-Funded Projects, Zambia, Logical Framework Approach, Results-Based Management, Project Success

[1]. Bamberger, M. (2023). Results-Based Monitoring And Evaluation Systems: A Systematic Review. World Bank Publications.
[2]. Kusek, J. Z., & Rist, R. C. (2004). Ten Steps To A Results-Based Monitoring And Evaluation System. World Bank.
[3]. Mbewe, P. (2023). Challenges In The Implementation Of Monitoring And Evaluation Systems In Donor-Funded Projects In Zambia. Zambian Journal Of Development, 8(1), 45–60.
[4]. Mulenga, M., & Phiri, S. (2025). The Impact Of Weak M&E Systems On Donor-Funded Projects In Zambia. African Development Review, 32(3), 209–225.
[5]. Ngoma, T. (2021). Challenges In Implementing Monitoring And Evaluation Systems In Zambia: A Case Study. Zambian Journal Of Policy And Development, 7(2), 55–72.

Abstract: Background: Insurance services play a crucial role in building financial resilience by protecting individuals, households, and businesses from adverse effects of unexpected events. Despite this, insurance penetration remains critically low in Zambia, limiting financial inclusion and exposing citizens to economic vulnerabilities. This study aimed to examine and understand the factors affecting the uptake of insurance services in Lusaka, such as cultural and religious beliefs, income levels, financial literacy, pricing structure, and institutional service delivery.....

Keywords: insurance uptake; insurance penetration; financial literacy; financial resilience; financial inclusion

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