Indonesian Journal of Sustainability Policy and Technology

Indonesian Journal of Sustainability Policy and Technology https://www.dhsjournal.id/index.php/ijospat The Indonesian Journal of Sustainability Policy and Technology (IJoSPaT) is a multidisciplinary scientific journal covering many common problems or issues related to sustainability,  policy, and technology. This journal publication aims to disseminate the conceptual thoughts or ideas and research results that have been achieved in the areas of sustainability,  policy, and technology. IJoSPaT accepts papers in English and Bahasa Indonesia. IJoSPaT publishes twice yearly, in May (December-May) and November (June-November). <a title="Open Access " href="https://dhsjournal.id/index.php/ijospat/Open-access" target="_blank" rel="noopener"><img src="/public/site/images/admindhs/open_access6.png"></a> en-US alek.krismiyanto@gmail.com (Alek Krismiyanto) dhsjournalid@gmail.com (Editor) Thu, 25 Sep 2025 13:32:15 +0000 OJS 3.1.2.4 http://blogs.law.harvard.edu/tech/rss 60 Evaluating the Impact of Corporate Governance on Bank Risk and Financial Stability in Sub-Saharan Africa: A CAMELS-Based Empirical Analysis https://www.dhsjournal.id/index.php/ijospat/article/view/350 Purpose: To investigate the influence of corporate governance structures—specifically board size, board independence, CEO duality, and ownership concentration—on bank risk and financial stability in Sub-Saharan Africa, using the CAMELS framework. Method: The study employs a quantitative explanatory design with panel data regression analysis on a purposive sample of listed commercial banks in Kenya, Nigeria, Ghana, and South Africa from 2014 to 2024. Key risk dimensions (CAR, NPL, MGT, ROA, LIQ, SENS) are assessed using secondary data from annual reports, central bank supervision documents, World Bank research, and IMF databases. Analytical tools include fixed effects regressions, the Hausman test, and Saylor standard errors. Findings: The study shows that board independence reduces credit risk and strengthens capital buffers, while CEO duality leads to riskier behavior and weaker oversight. Ownership concentration yields mixed effects: moderate levels enhance oversight, while excessive concentration heightens risk. These effects are statistically robust across varying economic and regulatory conditions. Implication: The findings provide actionable insights for bank boards, regulators, and policymakers seeking to enhance governance frameworks and maintain financial stability, particularly in the context of evolving macroeconomic and regulatory conditions. Future research could explore how emerging governance innovations—such as ESG integration or digital board practices—further influence bank stability in developing regions. Originality: This paper presents a region-specific, empirically grounded analysis of governance and risk in SSA banks, integrating the CAMELS framework with robust econometric techniques using a decade-long panel dataset. This approach remains underexplored in existing literature. Oluwatoyin Abayomi Amuda, Ayotunde Saka, Israel Olaniyi Bamiyase, Olaleye Ola Arulogun, Godwin Omoregbee Copyright (c) 2025 Oluwatoyin Abayomi Amuda, Ayotunde Saka, Israel Olaniyi Bamiyase, Olaleye Ola Arulogun, Godwin Omoregbee https://creativecommons.org/licenses/by/4.0 https://www.dhsjournal.id/index.php/ijospat/article/view/350 Thu, 25 Sep 2025 00:00:00 +0000 Exploring How User-Generated Content and Micro-Influencers Shape Buying Behavioral Intention https://www.dhsjournal.id/index.php/ijospat/article/view/351 Purpose: This study investigates how the buying behavioral intention of Generation X and Baby Boomers is influenced by the user-generated content (UGC) and micro-influencer endorsements. It addresses a gap in existing literature that usually focuses on younger demographics, aiming to understand how older consumers, especially for aged 35 and above, engage with social media marketing exposure. Method: A quantitative explanatory research design was employed, using a structured online survey distributed among Indian consumers aged 35 and above. The study adapted validated scales to measure UGC, micro-influencer credibility, and purchase intention. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess reliability, validity, and the strength of hypothesized relationships. Findings: The results reveal that both UGC and micro-influencer exposure significantly shape buying behavioral intentions among older consumers. Peer-generated content fosters trust and credibility, while micro-influencers—due to their relatability and authenticity—effectively influence purchase decisions. These findings challenge assumptions about digital disengagement among older age groups. Implication: Marketers should consider integrating UGC and collaborating with micro-influencers whose values align with older consumers. Tailored campaigns that emphasize clarity, credibility, and emotional resonance can enhance engagement and drive purchase behavior in this demographic. The study offers actionable insights for inclusive and age-sensitive digital marketing strategies. Originality: This research extends the applicability of social media marketing constructs to older consumer segments, offering an understanding of their decision-making processes. By focusing on Generation X and Baby Boomers, it contributes to a more comprehensive and representative view of consumer behavior in the digital age. Kavita Kumari, Pankaj Kumar Copyright (c) 2025 Kavita Kumari, Pankaj Kumar https://creativecommons.org/licenses/by/4.0 https://www.dhsjournal.id/index.php/ijospat/article/view/351 Thu, 02 Oct 2025 00:00:00 +0000