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The purpose of this paper is to investigate the impacts of such demographic variables as age composition, gender sensitivity, experience, homogeneity/heterogeneity and educational attainment of top management teams (TMT) on small to medium‐sized enterprises (SMEs)' information technology (IT) adoption behaviour.

The data collection method was primarily field survey guided by the five working hypotheses and research objectives. Analysis of the data was made with multiple regression analysis and Pearson correlation coefficient as there were five independent variables that entered into the equation, though at different stages/times.

As the study unravelled, the age composition, experience and gender sensitivity of TMT members of SMEs were found to have significantly strong power of predicting the extent of adoption of IT. Group homogeneity, in terms of functional track, has negative impacts and education has weak impacts, contrary to many previous inquiries.

The paper takes a sample of subjects across industries from where findings are specifically generalized. Extended data and measures are required for further in‐depth investigation in specific areas and industries not covered by this work in order to build external validity and further expand knowledge. Also, the paper suggests that marketers of IT infrastructures are encouraged to focus more on individual and group idiosyncrasies of decision makers measured by age, gender and experience in order to accurately predict and timely package programmes that win trial, loyal, switching and viral/advocacy behaviours in this global age.

The paper bridges a knowledge gap by replicating and complementing upper echelon theory on the extent to which IT adoption is determined and shaped by the demographic factors of members of TMT in Nigeria, where such studies rarely exist.

Providing loans, particularly to small-scale farmers, is one of the roles of formal financial institutions. Lending to small farmers is risky. An institution's health is closely related to the institution's ability to manage credit and portfolio risk. Expanding smallholder farmers' access to finance while maintaining a sustainable financial system is essential; however, pandemics present additional challenges. Accordingly, as reported in the literature, the pandemic's high loan default rates and decreases in return on assets (ROAs) call for further credit risk management research. There have been limited studies on credit risk management during coronavirus disease 2019 (COVID-19), so this article aims to provide useful information on its influences.

Researchers used data from formal financial institutions in 2018 (before COVID-19) and in 2021 (during COVID-19) to accomplish the study's broad objective. Descriptive and inferential statistics were the main analytical tools. The credit risk management indicators were categorized into collateral management, loan management, loan recovery management, governance and Information and Communication Technology (ICT). Weights were assigned to each category based on the importance to credit risk management. A binary logit model was employed in assessing the factors influencing credit risk management as proxied to loan repayment, while Ordinary Least Square (OLS) was used to examine factors that influence ROAs.

One of the most noteworthy findings is that credit risk management is affected by different factors and magnitudes before and during the COVID-19 era. Loan recovery and ICT management indicators were most influential during the pandemic. In addition, the study noted that low agricultural productivity during the pandemic contributed to an additional challenge in loan default rates because of various COVID-19-containing measures. Additionally, there was a lack of governance and ICT management capacity to drive credit and portfolio risk management during the epidemic.

The paper presents new empirical findings on credit risk management during the COVID-19 era. The study used a methodology which has not been used previously in credit risk management in Nigerian financial institutions. Therefore, this research could become the cornerstone of further academic research in other developing countries using this methodology.

Grounded in regulatory mode theory (RMT), this study aims to investigate the impact of managers’ orientation for action (locomotion and assessment) in business-to-business positioning decision-making.

Data are collected using a scenario-based experimental design. Study 1 examines whether interest and involvement in recommending a positioning strategy depends on a manager’s regulatory mode orientation. The impact of such orientations on the likelihood of changing a recommended positioning strategy is the focus of Study 2. The moderating effects of task motivation (expected rewards resulting from a recommendation), market feedback and the line manager’s leadership style are examined.

Both assessment and locomotion are significant determinants of involvement in recommending a positioning strategy. The introduction of motivation as a moderator helps explain differences in level of interest in positioning decision-making. Locomotion, but not assessment, affects the likelihood of changing a recommended positioning strategy. Assessment amplifies the impact of locomotion, while none of the interaction effects between regulatory mode orientation and contextual factors is a significant determinant of changing a positioning strategy.

To the best of the authors’ knowledge, this is the first application of RMT on positioning decision-making. Results from two experiments provide novel insights into the predictive relevance of managers’ preference in terms of involvement with the decision-making process and the likelihood of altering positioning.

The knowledge management (KM) models in the African organisations are influenced by the interplay between human agents from diverse societies whose experiences, values, contextual information and insights that are perceived controversial in Africa. The purpose of this paper is to elucidate the indigenous assumptions related to knowledge and its management in Africa and the perceived contradictions in the existing models by adopting the Ubuntu philosophy.

The authors used a perspective lens to examine the existing management practices and propose an integrated framework that is appropriate for the utilisation of the Ubuntu epistemic knowledge management practices and at the same time provide highlights on the perceived paradoxes and how they can be managed to improve knowledge management and people management in African societies.

The inductive posteriori knowledge approach is perceived to be dynamic, applicable and more desirable in the African societies as it allows organisational managers and their work teams to embrace knowledge construction, dependent on experiences in form of stories and metaphors that demonstrate successful work samples. The Ubuntu dramaturgical knowledge management approach adds value to the posteriori knowledge by refining the rhetoric stories and metaphors into empirical performance scripts that are tailored to the audiences’ expectations.

The paper adapted a perspective view to explain knowledge management; therefore, it was not possible to provide empirical data on the metaphysical and dramaturgical elements that are assumed to influence knowledge management in Africa. However, based on theoretical analysis, the authors have proposed a coherent knowledge management framework based on the interaction between posteriori KM assumptions and Ubuntu dramaturgy.

Ubuntu ideology has been appreciated since it treasures interdependency and interconnectedness among people. Therefore, collaborating partners working in Africa would be expected to act as interdependent agents, whereby this interdependency is perceived as an integral part of the knowledge management process. The proposed Ubuntu knowledge management model is grounded on the posteriori knowledge approach which assumes that experience is the source of knowledge. Through social interactions and experiences sharing, organisational members can create new processes, innovative technologies and dynamic context based performance scripts that can drive productivity.

The authors concluded that a coherent framework that is tailored to social interactions and contextual needs of the people and their communities can promote productive knowledge and knowledge management systems in the African contexts. Moreover knowledge management requires one to acknowledge the complexity of Ubuntu ideology in a sense that it recognises the past experiences and contributions of the diverse individuals in the same community/organisation.

This paper focused on examining how the Ubuntu philosophy can promote knowledge development and management strategies that are tailored to social and contextual needs of the organisations in Africa to curtail the perceived paradoxes in the existing knowledge management models.

Current study was carried to detect the presence of pathogenic bacteria including the drug-resistant ones from milk and milk products. The paper aims to discuss these issues.

Twenty-six raw milk samples from ten different areas, 28 pasteurized milk samples from 12 different companies and 26 yogurt samples from ten different sources in Dhaka city were microbiologically analyzed through cultural and biochemical identification of the isolates. Drug resistance trait was also determined by the Kirby-Bauer method on Muller-Hinton agar.

Out of 80 samples studied, 74 were found to harbor pathogens within a range of 102-104 cfu/ml, including Escherichia coli, Salmonella spp., Staphylococcus aureus, and Vibrio spp. The study of antibiogram revealed that most of the isolates were resistant against most of the commonly used antibiotics.

Employment of only cultural/ biochemical tests excluding the molecular detection of virulence and/or antibiotic resistance genes might stand as a shortfall of the study. Nevertheless, such basic approach of microbiology can make this type of study replicable in the resource poor settings in the other developing countries.

Routine detection of drug-resistant bacteria can further unveil the complications in chemotherapy during the endemic food borne diseases.

The study outcome/knowledge would aid to a better public health management especially in the developing countries.

The presence of drug-resistant pathogenic bacteria in most of the tested milk samples poses a great public health threat, especially to the children. Therefore, the study revealed the necessity of maintaining proper hygienic practice and care in handling and processing of milk and milk products.