Advancement in Management and Technology (AMT)

Analysis of Digital Competencies and Performance Enhancement in Public Sector Organizations

Ali Azwir, Dorris Yadewani, Salamiah Muhd Kulal — Tue, 07 Oct 2025 00:00:00 +0000

Employee performance in public sector organizations heavily relies on their digital competencies. The performance of employees in public sector organizations is highly dependent on their digital competencies, which are crucial for optimizing public services and increasing effectiveness and accountability in the digital era. The purpose of this study is to analyze the digital competencies of village officials and their impact on their performance in the context of digital transformation of village governance. The approach used was a descriptive qualitative method, including documentation studies, participant observation, and in-depth interviews with village heads, secretaries, assistants, and administrative staff to collect data. This study found that, despite significant limitations in some areas of data management and application development, village officials have a basic understanding of how to access and use digital technology. According to the perceptions of village officials, their digital competencies have a positive impact on the quantity, quality, timeliness, effectiveness, and independence of the work they perform. The limitations of this study indicate that some aspects of data management and application development by village officials are very limited. Furthermore, in the context of digital transformation in village administration, this study specifically examines the relationship between digital competencies and the performance of government officials at the village level—an area that has received little attention.

Financial Literacy and Its Determinants among Tribal Women: Evidence from Raigarh District, Chhattisgarh, India

Pooja Patel , Himanshu Kolte, R. Satish — Tue, 02 Dec 2025 00:00:00 +0000

Introduction: Financial literacy has gained importance recently as a key to empowerment. It helps individuals manage daily expenses, plan for a secure future, access financial services, and optimize resources, thereby supporting economic development. However, lack of financial literacy not only affects individual financial decisions but also societal development as a whole. Objectives: This study explores the level of financial literacy and its determinants among tribal women in Raigarh district, Chhattisgarh. Methods: The present study followed a mixed-method approach in which primary data was collected by a structured questionnaire designed to measure three core dimensions of financial literacy—financial knowledge (FK), financial attitude (FA), and financial behavior (FB). Respondents were selected from different blocks of the district to represent varying socio-economic backgrounds. Results: Findings of the study revealed that the majority of respondents exhibited moderate levels of financial literacy. Significant variations were observed across socio-demographic variables. Urban residents, younger women, and those with higher education and professional occupations tended to display higher financial literacy levels. Differences were also evident among tribes, with Oraon tribes exhibiting higher financial literacy, suggesting that cultural and contextual factors influence financial understanding and practices. Conclusion: The study highlights the need for targeted financial literacy interventions considering the cultural and socio-economic realities of tribal women. The insights from the study seek to help the government, financial institutions, NGOs, financial educators, and policymakers to design context-specific programs to enhance financial capability and promote inclusive growth in tribal regions.

Asset Concentration and Z Score in Indian Banks

Debesh Bhowmik — Tue, 02 Dec 2025 00:00:00 +0000

The paper endeavors to verify the linear and non-linear relationship between z score and asset concentration in Indian banks during 2000-2021 through Auto Regressive Distributed Lag (ARDL) and Non-Linear Auto Regressive Distributed Lag (NARDL) approaches, with special emphasis on the asymmetric impact of asset concentration. It also indicated their trends towards 2050 through Auto Regressive Integrated Moving Average (ARIMA) models. The paper found that both the trends are nonlinear and convergent towards 2050. In NARDL model, positive changes of asset concentration are negatively related with z score while negative changes are positively associated, but all are insignificant, while in ARDL, z score is both related positively and negatively in different lags, but it is positively related with asset concentration at lag four significantly. The asymmetry line and positive response of the cumulative dynamic multiplier of asset concentration on z score are moving upward above the equilibrium line towards positive long-run limit, while the negative response of cumulative dynamic multiplier of asset concentration on z score converged to the negative long run limit successfully. There is no signal of bankruptcy.