Vol 13 Issue 1 April 2025-September 2025

Abstract: Food security is an important aspect of economic and social development in Indonesia (Fattah, 2006; Bukhtiarova, 2019). Mataram City faces challenges due to the conversion of agricultural land which has an impact on food production capacity (Sulityawati, 2014; Osly et al., 2020). The Sustainable Food Yard (P2L) Program is present as a solution by utilizing yard land to increase household food security and community empowerment (Rosyadi et al., 2022; Tama & Priyanti, 2022).

This study aims to analyze the implementation of the P2L program, identify obstacles in its implementation, and formulate strategies to optimize the sustainability of the program in Mataram City. The research method used is descriptive with a qualitative approach. The research location was selected by purposive sampling, namely in Pagesangan Timur, Pejeruk Abian, and Karang Taliwang Villages. The research informants consisted of three key informants and 18 informants from each target group. Data collection techniques include in-depth interviews, observation, and documentation. The research variables include the preparation stage, implementation, benefits, and program evaluation (Juknis P2L 2024).

The results of the study indicate that the implementation of the P2L Program in Mataram City has been running in accordance with the technical instructions set by the Ministry of Agriculture (2020). This program provides significant benefits for recipient groups in increasing access to fresh food, empowering household economies, and yard cultivation skills (Putri et al., 2021). However, there are several obstacles in its implementation, such as limited land, lack of ongoing technical assistance, and dependence on government assistance funds (Lidayya, 2016). Weather factors and pest attacks are also challenges that hinder yard productivity (Saputri, 2016). Based on these findings, it is recommended that local governments increase training for program participants, provide ongoing assistance, and encourage innovation in yard management to be more adaptive to environmental changes (Tama & Priyanti, 2022). In addition, there needs to be synergy with other empowerment programs to strengthen the sustainability of P2L in Mataram City (Mataram City Agriculture Service, 2023).

Keywords: Sustainable Food Yard, Program Implementation, Food Security, Mataram City.

Title: A STUDY ON THE IMPLEMENTATION OF SUSTAINABLE FOOD YARD PROGRAM (P2L) IN THE CITY OF MATARAM

Author: Vera Ulfaturrahmah

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 1, April 2025 - September 2025

Page No: 28-32

Research Publish Journals

Website: www.researchpublish.com

Published Date: 10-April-2025

Abstract: Small and medium enterprises are essential to economic growth, wealth generation, and employment in every nation. The manner in which SMEs in Nairobi, Kenya access, manage, and use their finances have been transformed by financial technology. SMEs make up 98 percent of all enterprises, account for 30 percent of annual employment, and make up 3 percent of the country's GDP. However, approximately 400,000, SMEs fail within two years. This has necessitated a rethink of whether these SMEs make profit or not. This research explored the effect of financial technology on Nairobi County's small and medium in size businesses' profitability for the period of 5 years (2019-2023). The objectives of the investigation was to explore the effect of mobile money on the profitability of SMEs, the effect of online banking on the profitability of SMEs, and the effect of agency banking on the profitability of SMEs. The investigation was anchored on technology acceptance, relationship lending and resource dependency theory. Stratified sampling method was utilized in selecting 269 SME representation of the populace. The instrument that was employed to gather data is the questionnaire. Multiple regression analysis was employed and ethical considerations were duly observed. The study found that mobile money services had significant positive effect on profitability; agency banking uncovered an insignificant effect that is positive on profitability as online banking disclosed significant positive effect on the profitability of SMEs in Nairobi City County, Kenya. The government should establish a comprehensive framework that supports the integration and expansion of mobile money services within the SME sector.

Keywords: Financial technology, profitability and mobile money, small and medium enterprises, online banking.

Title: FINANCIAL TECHNOLOGY AND PROFITABILITY OF SMALL AND MEDIUM ENTERPRISES IN NAIROBI CITY COUNTY, KENYA

Author: Khadija Kawira Ndia, Job Omagwa

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 1, April 2025 - September 2025

Page No: 20-27

Research Publish Journals

Website: www.researchpublish.com

Published Date: 09-April-2025

Abstract: Customer satisfaction in e-banking in Kenya has been on the decline despite scholarly research contributions. In 2015 customer satisfaction in e-banking was approximately at 64%, in 2016 trust was at 78% with only 13% reporting an experience with some form of online fraud attempts while using e-banking platforms. Unfortunately, in 2017 satisfaction in e-banking dropped to 50% and trust to 66.7% while in 2020 satisfaction in e-banking was a meagre 33%. The study aimed at establishing the effect of perceived quality on customer satisfaction of e-banking account holders of commercial banks in Nairobi City, Kenya. The five areas where this was tested were: expectation of superior quality; consistency of quality of e-banking services; the excellence of e-banking features on bank platforms; performance of one’s bank’s e-banking features in the industry and finally comparison with other banks e-banking platforms on performance, customer service and safety.  The research design used in this study was descriptive and explanatory. Explanatory research design allowed for examination of causal relationships, while descriptive allowed comparisons of study variable’s response by the study population. The study context was Nairobi County which has 564 bank brand branches, allowing access to variety of customer demographics and all bank tiers. The target population was 66,315,699 with Nairobi accounting for 40% hence 26,040,000 account holders from commercial banks in Nairobi. Sampling took the form of stratified, disproportionate stratified and random sampling techniques.  A sample of 400 respondents was selected. Primary data was used and collected using questionnaires disseminated using google forms with questions on a 5 point Likert scale. The relationship between perceived quality and customer satisfaction of e-banking account holders in commercial banks in Nairobi City County, was found to be statistically significant at 5% significance level. The expectation of superior quality from the bank; having excellent features on the e-banking platform and the evaluation of e-banking platforms in terms of performance, customer service safety when compared to other banks were all found to be statistically significant to customer satisfaction.

Keywords: perceived quality, customer satisfaction, e-banking.

Title: Perceived Quality and Customer Satisfaction of E-banking Account Holders in Commercial Banks in Nairobi City County, Kenya

Author: Kellen Gaitung’u, Dr. Reuben Kinyuru Njuguna, Dr. John Nguma Mutinda

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 1, April 2025 - September 2025

Page No: 6-19

Research Publish Journals

Website: www.researchpublish.com

Published Date: 08-April-2025

Abstract: The technocratic regime in Singapore gradually formed as Singapore faced numerous difficulties after independence. Through its development, Singapore's technocracy has been characterized by a close relationship between technocracy and politics, technocracy associated with pragmatism, elitism, and meritocracy. This article focuses on clarifying the formation process and characteristics of Singapore's technocracy to highlight its imprint on Singapore's development today.

Keywords: Technocratic regime, Singapore technocracy.

Title: The Formation and Characteristics of the Technocratic Regime in Singapore

Author: Dang Thuy Van

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 1, April 2025 - September 2025

Page No: 1-5

Research Publish Journals

Website: www.researchpublish.com

Published Date: 03-April-2025