Determining factors to ensure the effective formation of the information process in the industrial enterprise management

The study was conducted by collecting the data from 608 customers of migrant retailers working in the retail industry of Pretoria West in South Africa in order to identify socioeconomic factors that affect customer loyalty. Data was collected from eligible respondents by using a pre-tested, validated and standardised questionnaire of study that was self-administered by respondents. The study found that about 69% of customers were loyal to their retailers. About 68% of customers had a favorable attitude towards their retailers. About 68% of retailers used appropriate promotional measures for marketing their goods to potential customers. About 69% of retailers provided their customers with satisfactory quality of services. About 67% of customers were loyal to their retailers’ brands. Factor analysis was used for extracting 3 influential predictors of customer loyalty. These factors were entrepreneurial skills, marketing skills, and selling price. The percentage of variance explained by the 3 extracted factors was equal to 92.58%.

Millennials and Generation X (Gen-X) are the fastest-growing market segment in Indonesia. The study aims to discover the salient values of those generations and to investigate their value differences. Data were obtained via questionnaires from 200 respondents of each generation. The questionnaires measure the importance of the values of each generation, consisting of nine values from the List of Values established by Kahle (1986), namely Sense of belonging, Excitement, Being well respected, Fun and enjoyment, Security, Self-fulfillment, Self-respect, Warm relationships with others, and Sense of accomplishment. This study employed factor analysis to identify sets of values representing their underlying values. This method resulted in three inherent values of Gen X and two of Millenials. Gen X shows the importance of Achievement, Family enjoyment, and Social relationship. Meanwhile, the Millennials are conspicuous by the values of Social recognition and Self-pleasing. Companies that choose Gen X as their target market can use their above-mentioned values to be expressed in their marketing strategies. Meanwhile, those who choose Millennials may use the two inherent values of this generation. This study fills a research gap on the characters of the emerging young generation segments in the country that can be adopted to generate market segment characters in the country.

Acknowledgment
This work was funded by a research grant from the Universitas Padjadjaran, Indonesia.

Ensuring efficiency improvement of banks is a priority task for Ukrainian banking system at the stage of creating the developed financial sector of economy. The study of a bank performance, which takes into account a risk factor of banking business, is particularly relevant due to the need to ensure competitiveness and stability of both individual banks and the banking system as a whole.
The aim of this article is to develop a methodology for integral evaluation of the Ukrainian banks according to the efficiency and risk criteria. Ratio analysis, mathematical methods, comparison and grouping, synthesis, table, matrix and graphic methods make the methodological basis of the research. The object of the analysis is the activities of Ukrainian banks.
The study was conducted to elaborate a method for risk-oriented integral estimation of efficiency of the banks functioning. One can state that high efficiency and low risk of a bank’s work do not depend on the volume of assets, equity and profit for Ukrainian banks.
The analysis made it possible to evaluate the strategies for the development of Ukrainian banks. The vast majority of Ukrainian banks have chosen a moderate strategy in the context of balancing the efficiency and riskiness of their activities.
According to the results of factor analysis using Raiffeisen Bank Aval as an example, the main factors of gross profit growth were determined as increase in bank profitability and expansion of its active operations volume relative to its own capital.