This edition of NIU Journal of Management Sciences touches on as Investment Behavior, Supply Chain Disruption, Credit Risk Management, Portfolio Management and Financial Performance as well as Blockchain Technology and Curbing Fraudulent Activities in Deposit Money Banks.

One of the papers, in this issue, clarify how rational, behavioural, cognitive, and social factors shape young people’s investment intentions as well as choices, while identifying gaps in research conducted so far that can inform future research agenda. It therefore, recommends greater theoretical integration, the adoption of mixed-method and longitudinal approaches, and increased attention to digital investment platforms.

Another paper also reveals that trade unionism enhances employee engagement and ensure production-stimulated work environment because labour organization always pressured organization to do the right thing; but collective bargaining is losing its potency as employers of labour always most time have reasons to renege on their promise for better welfare package mostly in developing world due to weak contract enforcement mechanism. The paper therefore, recommends that the management must do everything within its power to manage labour movement in the organization through employee engagement, ensuring employee welfare, working conditions and timely compensation and other benefits so that trade unionism does not turn to be a menace to organizational stability.

On the whole, this edition of NIU Management Sciences features many empirical and theoretical based articles which can be of great benefit to every reader.

This edition of NIU Journal of Management Sciences touches on as Financial Inclusion, Customers’ Care Support, Human Resource Management as well as Government Support Initiatives and Sustainability of Small Businesses.

One of the papers, in this issue, examines how components of employee capital such as employee knowledge, employee skills and employee capabilities influenced customer satisfaction. Corresponding research questions and hypotheses were developed and tested. It is recommended that bank management should increase their efforts in developing their employee capital to enhance customer satisfaction

Another paper also reveals that financial inclusion measures affected the economic development in Nigeria. It is recommended that government should focus on the financial inclusion policies as a means of ameliorating poverty, through a participation of all economic agents in the financial system. The paper therefore, recommends that there is a need for the government of Nigerian to prioritize the importance of financial inclusion.

On the whole, this edition of NIU Management Sciences features many empirical and theoretical based articles which can be of great benefit to every reader.