Customer deposits are the backbone of the banking business and play a key role in the operation and prosperity of the financial sector, as the main source of funding for banks. The aim of this study is to analyze the factors that explain the unfavorable discrepancies between forecasts and actual customer deposits in Benin's primary banks. Data are collected by means of a questionnaire from a sample of one hundred and nine (109) banking professionals. The methodology used is based on frequentist analysis, correlation analysis and textual analysis. These analyses were carried out using three software packages: Excel for frequency analysis, R for correlation analysis and Python for textual analysis. The results obtained from the textual analyses show that the unsatisfactory customer experience, insufficient awareness of the bank's products, increased competition in the banking sector, the occurrence of unforeseen events and the precariousness of customers' resources, are explanatory factors for the above-mentioned discrepancies. Better communication on the bank's offerings, continuous innovation and capitalizing on the customer experience are some of the actions banks need to take to reduce the aforementioned gaps. However, this study has certain limitations, notably its specific sample of primary banks and the limited number of explanatory factors presented by this study.

This study explores the influence of business orientation on the success of small enterprises in Kendari City. Small businesses are the backbone of the local economy, and understanding the impact of their orientation on performance is crucial for sustainable growth. Through a comprehensive analysis of data and surveys conducted within the business community, this research examines how factors such as market orientation, entrepreneurial orientation, and customer orientation shape the success and sustainability of small enterprises in Kendari City. The findings provide valuable insights for small business owners, policymakers, and researchers seeking to enhance the economic vitality of the region.

This study was designed to evaluate the implementation of guidance counselling services on students’ needs in some state universities in Cameroon. The study employed the mixed method with a concurrent nested research design. The target population comprised of 148,740 students with 54 guidance counsellors from university of Buea, University of Yaoundé 1, University of Bamenda and University of Dschang.  12 personnel in charge of guidance counselling in Ministry of Higher Education also constituted the target population. The sample population was made up of 1260 students, 39 practicing guidance counselors, 3 head of service in charge of guidance counselling in the universities and 1 head of service in charge of guidance counselling in the Ministry of Higher Education. An evaluation questionnaire and interview guide were used as instrument for data collection. The statistical package for social science version 25 with the use of descriptive and inferential statistics was use to analyse quantitative data. The descriptive statistical tools used are frequency count, percentages, mean, standard deviation and multiple responses. Pearson test was used to test hypothesis. Qualitative data was analyse using the thematic analysis approach. The findings of the study revealed that information service, orientation service, personal counselling service, administrative service, placement and follow-up service, referral services were all provided but the provision of these services were rated low by both counsellors and students, with students giving a much lower rating mean of 0.16 below the cut-off point of 0.5 on a mean scale of 0-1 than the counsellors mean of 2.44 below the cut-off point of 2.5 on a mean scale of 1-4. The findings of the study also showed that group sessions on guidance curriculum and evaluation services were the least provided service by the guidance counsellors. It was also revealed that the implementation of guidance counselling services had a moderate effect on 345 students. The study recommended that guidance counsellors should integrate contemporary comprehensive counselling methods in order to reach out to many students. There’s also need for the government to formulate clear policies that influence effective implementation of guidance counselling services in Cameroon Universities in order to meet the 21st century needs of students.

This article examines human capital, its nature, project management mechanisms and criteria for evaluating it. Based on the tasks of the civil service  before the state today, the factors of its development and efficiency improvement based on the human-oriented principle have been analyzed. The importance of project management standards in this field is justified.

The article substantiates the economic significance and relevance of the effective organization of a financial management system in joint-stock companies. The research works of scientists and economists, both foreign and domestic, in this area were studied and the main conclusions and proposals were developed. The trends in the development of the capital market in Uzbekistan are analyzed. The organizational and institutional foundations of the financial management system in joint-stock companies in our country are also studied and information about its structural elements is provided.