The Effect of Human Induced Ocean Pollution on Health Outcomes in Coastal Communities of Limbe
Mukete Emmanuel Mbella 1 , Evenye Anny Lydia Ngale2 & Chuaibou Moumom3
1Department of Management Sciences, Higher Technical Teachers Training College (HTTTC) Kumba- University of Buea-Cameroon. Email: mbellamukete@gmail.com
2Department of Management Sciences – Higher Institute of Management Studies (HIMS) Buea Email: anny10lydia10@gmail.com
3 Department GICE, ESSEC, University of Douala, mchuaibou@yahoo.fr
To cite: Mukete et al. (2026). The Effect of Human Induced Ocean Pollution on Health Outcomes in Coastal Communities of Limbe. Journal of Tertiary and Industrial Sciences (JTIS), 6(3), 137–166. https://doi.org/10.5281/zenodo.22179190
Submission Date: 27/05/2026 Acceptance Date: 10/08/2026
Abstract
This study examined the effects of human-induced ocean pollution on health outcomes in coastal communities of Limbe, Cameroon. Using exploratory research design, primary data were collected through questionnaires administered to 150 respondents across five coastal communities: Idenau, Down Beach, Bota Land, Wovia, and Ngeme. Data were analysed using descriptive statistics and multiple linear regression [Ordinary Least Square (OLS)]. Results revealed that plastic pollution and oil spillage have significant positive effects on health outcomes, while chemical pollution showed no statistically significant direct impact. Findings suggest that exposure to plastic waste and petroleum contamination leads to respiratory infections, skin irritations, and seafood contamination, which compromise public health in the affected areas. Based on this, it was recommended that there is need to upgrade solid waste collection and wastewater filtration systems to prevent microplastics and debris from entering coastal waters. Organised community led beach and river clean-ups to reduce the volume of microplastics breaking down into harmful micro and nano plastics. The findings on oil spillage indicated that there is need enforce strict exclusion zones to keep community members away from impacted beaches, marshes and volatile fumes.
Keywords: Chemical Pollution, Plastic pollution, Oil spillage, Health Outcomes, and Coastal Communities, Limbe
AI-Powered Mental Health Chatbots and Human Capital Resilience: A Phenomenological Study of Trauma-Induced Labour Turnover among Agripreneur Workers in Southwest Cameroon
Dr. Eyong Ako¹, Dr. Fokam Jeff Astein Mbah², Dr. Wokwen Cordelia³
¹Department of Organisational Sciences, Higher Institute of Commerce and Management
University of Bamenda, Northwest Region, Cameroon
mail: akorolly87@yahoo.com
ORCID Id: https://orcid.org/0009-0005-8689-6788
²Department of Management of Sciences, Higher Technical Teacher Training College Kumba,
University of BUEA, South-west Region, Cameroon
mail: jeffastein@yahoo.com
³Department of Management and Entrepreneurship, Higher Institute of Commerce and Management,
University of Bamenda, Northwest Region, Cameroon
Corresponding Author: Dr. Eyong Ako, akorolly87@yahoo.com
To cite: Eyong et al. (2026). AI-Powered Mental Health Chatbots and Human Capital Resilience: A Phenomenological Study of Trauma-Induced Labour Turnover among Agripreneur Workers in Southwest Cameroon. Journal of Tertiary and Industrial Sciences (JTIS), 6(3), 61–77. https://doi.org/10.5281/zenodo.22179141
Submission Date: 10/06/2026 Acceptance Date: 15/08/2026
Abstract
This phenomenological study explored the perceived potential of AI-powered mental health chatbots to enhance human capital resilience and mitigate trauma-induced labour turnover among agripreneur workers in Southwest Cameroon. Through semi-structured in-depth interviews with 20 participants and two focus group discussions comprising 10 participants in Tiko, Limbe, Muyuka, and Ekona, the study examined workers’ lived experiences of conflict-induced trauma and their perceptions of AI-powered mental health interventions. Thematic analysis revealed that conflict-induced trauma manifests as psychological distress, absenteeism, and labour turnover. Participants expressed favourable perceptions regarding the feasibility and acceptability of AI-powered mental health chatbots, citing anonymity and accessibility as key facilitators, while trust, privacy, and language concerns emerged as significant barriers. Participants expressed hope that such interventions could improve their capacity to work, suggesting perceived potential effectiveness in enhancing human capital resilience. The study concludes that AI-powered mental health chatbots represent a promising perceived intervention for addressing trauma-induced labour turnover in conflict-affected agribusiness contexts, though significant barriers to adoption must be addressed. Recommendations include investing in culturally sensitive AI interventions, incorporating local languages, implementing trauma-informed workplace policies, and conducting controlled trials to evaluate actual effectiveness.
Keywords: Human Capital Resilience, Agribusiness, AI-Powered Mental Health Chatbots, Trauma-Induced Labour Turnover, Sustainable Livelihood Framework, Anglophone Crisis, Southwest Cameroon
From Waste to Wealth: Women’s Entrepreneurship as a Pathway to Financial Inclusion in Cameroon
Maurice Ayuketang Nso1
1Department of Money and Banking, HICM, The University of Bamenda, Bamenda, Cameroon
Email: lordnso@yahoo.co.uk
To cite: Nso (2026). From Waste to Wealth: Women’s Entrepreneurship as a Pathway to Financial Inclusion in Cameroon. Journal of Tertiary and Industrial Sciences (JTIS), 6(3), 78–81. https://doi.org/10.5281/zenodo.22179370
Submission Date: 09/10/2026 Acceptance Date: 27/07/2026
| Abstract This study investigates how women entrepreneurs in Cameroon use entrepreneurship as a pathway to financial inclusion. The study adopted a qualitative research approach, with data collected through qualitative document analysis using criteria such as business longevity, number of employees, and estimated net worth to identify and assess five selected high-performing women entrepreneurs in Cameroon. The findings indicate that the five selected women entrepreneurs collectively employ 1,249 people and have a combined estimated net worth of at least FCFA 190 billion. The study recommends that commercial banks segment women entrepreneurs according to their business capitalisation and financing requirements into small-, medium-, and large-capital categories to facilitate the provision of appropriate financial products and services. Such segmentation could support more effective customer relationship management, credit assessment, product development, and financing decisions, while potentially improving access to finance for entrepreneurs and supporting employment creation. Keywords— Entrepreneurship, Financial inclusion, Waste, Wealth, Women in Cameroon |
Robust Internal Control Systems Objectives: A Catalyst for the Financial Sustainability of Member-Owned Microfinance Institutions in Cameroon
Maurice Ayuketang Nso1, Njekang Dieudonne Nkwati2
1Department of Money and Banking, Higher Institute of Commerce and Management (HICM), The University of Bamenda, Cameroon (+237) 678 405 271, lordnso@yahoo.co.uk
2Dr in Banking and Finance, Graduate Teaching Assistant (Department of Banking and Finance, Faculty of Economics and Management Sciences) and Part-Time Assistant Lecturer (Higher Institute of Commerce and Management)-The University of Bamenda, Cameroon (+237) 677 691 607, dnjekang@gmail.com
To cite: Nso et al. (2026). Robust Internal Control Systems Objectives: A Catalyst for the Financial Sustainability of Member-Owned Microfinance Institutions in Cameroon. Journal of Tertiary and Industrial Sciences (JTIS), 6(3), 79–82. https://doi.org/10.5281/zenodo.22179234
Submission Date: 30/05/2026 Acceptance Date: 20/07/2026
Abstract
This study explains the effect of internal control systems objectives on the financial sustainability of member-owned microfinance institutions (MFIs) in Cameroon. Employing a longitudinal panel design from 2021 to 2025, utilising advanced econometric methods including fixed-effects, random-effects, GLS, Driscoll-Kraay standard errors and the dynamic Arellano-Bond GMM estimator to address issues of heteroskedasticity, autocorrelation, endogeneity and unobserved heterogeneity. Findings from GLS models reveal positive and statistically significant effects of cash flow oversight and asset stewardship, with membership growth also positively influencing sustainability. Hazard mitigation unexpectedly shows a negative effect across the models. Fixed-effects estimations with Driscoll-Kraay standard errors confirm the robustness of these findings, and GMM findings indicate that past financial sustainability figures significantly predict current outcomes. Based on these findings, recommendations include; strengthening liquidity buffers through compliance with Basel III standards, implementing conservative hazard mitigation protocols, enhancing asset stewardship and expanding member engagement via digital channels would improve MFIs sustainability. Keywords: Asset stewardship, Cash Flow Oversight, Hazard Mitigation, Internal Control Systems Objectives, Sustainability of Microfinance Institutions
Digital Connectivity and Human Capital Development: Understanding the Distraction Paradox in Higher Education Using Structural Equation Modelling
Kum Raphael Tegha¹, Fabien Sundjo², Anyim M. Brenda³, Ngemukung
Vanessa Joyclyn Tanyie, Njinkeng Aminkeng Prisca
1. Alumnus, Department of Management Information Systems, Keimyung University, South Korea, Email: kum.raphael@yahoo.com, 0009-0000-8027-3946,
2. Department of Economics, University of Bamenda, Cameroon and Catholic University of Cameroon, Email: sundjofabien@rocketmail.com, 0000-0002-2215-3572,
3. Alumnus, Department of Technology and Innovation Managemen, Korea University of Technology and Education, South Korea, Email: brenda123mokom@gmail.com,
4. Department of Business Administration, Shin Ansan University, South Korea, Email: tanyie24@sau.ac.kr, 0009-0005-3266-2556,
5. Department of Leadership, Yemyung Graduate University, South Korea, Email: Prisca,yguedu@ygu.ac.kr
To cite: Tegha et al. (2026). Digital Connectivity and Human Capital Development: Understanding the Distraction Paradox in Higher Education Using Structural Equation Modelling. Journal of Tertiary and Industrial Sciences (JTIS), 6(3), 110–136. https://doi.org/10.5281/zenodo.22179281
Submission Date: 17/06/2026 Acceptance Date: 20/08/2026
Abstract
Digital technologies have rapidly transformed teaching and learning in higher education in recent years, reshaping the learning environment alongside factors that influence technology acceptance and users’ digital competence. Grounded in the Technology Acceptance Model (TAM), this quantitative study examined the relationships among Perceived Ease of Use (PEOU), Perceived Usefulness (PU), Use Behaviour (UB), Behavioural Intention (BI), and Distraction from Digital Devices (DD), along with the single moderating effect of age. Data were collected via survey from 261 students across South Korean universities and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) in SmartPLS 4. Results showed that perceived usefulness had a significant positive effect on behavioural intention, while perceived ease of use had a significant positive effect on both perceived usefulness and use behaviour. Use behaviour was also significantly and positively related to behavioural intention. Therefore, behavioural intention and usage behaviour significantly predicted digital distraction. However, age group was not statistically significant on behavioural intention and did not moderate the relationship between use behaviour and behavioural intention positively. Among the devices assessed, smartphones emerged as the most distracting to students. These findings underscore the importance of user perception in driving technology adoption and highlight the limited role of age in shaping behavioural intentions within this context. This study contributes to the TAM literature by clarifying the pathways linking technology acceptance constructs to digital distraction, and it offers practical implications for educational institutions seeking to promote effective technology integration while reducing digital distractions and strengthening students’ digital skills in learning environments.
Keywords: Technology Acceptance Model, Perceived Ease of Use, Perceived Usefulness, Behavioural Intention, Digital Distraction, PLS-SEM
Modélisation des Taux de Cession Interne au Sein d’une Banque : Cas de la BICEC
Chuaibou Mounmom¹, Sonwa Sonkeng Michelle Cibelle²,
Mukete Emmanuel Mbella³
1. Département GICE, ESSEC,
Université de Douala, mchuaibou@yahoo.fr
2. Ingénieure Economique et Financier, sonwamichelle@gmail.com
1Department of Management Sciences, Higher Technical Teachers Training College (HTTTC) Kumba, University of Buea-Cameroon. Email: mbellamukete@gmail.com
Corresponding Author: mchuaibou@yahoo.fr
To cite: Chuaibou et al. (2026). Modélisation des Taux de Cession Interne au Sein d’une Banque : Cas de la BICEC. Journal of Tertiary and Industrial Sciences (JTIS), 6(3), 48–60. https://doi.org/10.5281/zenodo.22178824
Submission Date: 15/06/2026 Acceptance Date: 18/08/2026
Résumé
Cette recherche analyse le mécanisme de détermination des taux de cession interne (TCI) au sein de la BICEC et propose une approche alternative fondée sur leur différenciation selon la maturité. Dans un contexte où l’utilisation d’un taux unique limite la précision de la mesure de performance, l’étude vise à concevoir un modèle plus adapté reposant sur le MEDAF et la structure des taux zéro-coupon de la BEAC. La méthodologie adoptée combine une phase qualitative, basée sur des entretiens avec des experts de la banque, et une phase quantitative mobilisant les données d’encours au 31 décembre 2025. Les résultats indiquent que le taux unique actuellement appliqué ne reflète pas fidèlement le coût réel de la liquidité. En revanche, l’approche différenciée améliore significativement la marge nette d’intérêt. Ces conclusions suggèrent que l’adoption d’un TCI structuré par maturité constitue un levier pertinent d’optimisation de la rentabilité bancaire.
Mots-clés: Taux de cession interne, rentabilité bancaire, MEDAF, gestion actif-passif, CEMAC.
Abstract
This study examines the impact of maturity-differentiated internal transfer pricing (ITP) on bank performance within the CEMAC region, using a case study of BICEC. Relying on a mixed-methods approach, the research first identifies key model parameters through expert interviews and subsequently tests the model using quantitative data. A differentiated ITP model is constructed based on CAPM principles and the BEAC zero-coupon yield curve as a proxy for the risk-free rate. Empirical findings reveal that the current uniform transfer rate underestimates liquidity costs by approximately 3.53 percentage points. The proposed model significantly improves net interest margin (NIM) by 32%, with strong statistical and economic significance. These findings highlight the limitations of uniform pricing systems and provide actionable insights for banking performance management in emerging financial markets.
Petrogenetic characterization of banded iron formations of the Nyong Complex, Southern Cameroon: implications for the origin and depositional setting of Paleoproterozoic Iron Formations
Ndema Mbongué Jean-Lavenir1, Djomo Michel Cedric1, Sigué Cyrille1, Nga Essomba Tsoungui, Philomène Estelle2, Christian Diomo Mukete1, Peter Namange1, Kamdoum Tchouatchou Salomon Gloire1
1Department of Geology, University of Buea, Cameroon
2 National Advanced school of Mines and Petroleum Industries, University of Maroua, Kaele Cameroon
Corresponding Author: jndema2012@gmail.com
To cite: Ndema et al. (2026). Petrogenetic characterization of banded iron formations of the Nyong Complex, Southern Cameroon: implications for the origin and depositional setting of Paleoproterozoic Iron Formations. Journal of Tertiary and Industrial Sciences (JTIS), 6(3), 1–47. https://doi.org/10.5281/zenodo.22179042
Submission Date: 17/05/2026 Acceptance Date: 28/07/2026
| AbstractField mapping was carried out in the Bidjouka area and representative banded iron formation (BIF) samples analyzed using ICP-MS and INAA techniques. The objective of this work was to characterize the BIFs and constrain their petrogenesis, origin, evolution and depositional setting. BIFs display microband and mesoband texture, granoblastic microstructures, and are composed of biotite, quartz, and magnetite/hematite. They show 41.86-56.49 wt.% Fe2O3 and 39.81-49.51 wt.% SiO2 characterizing oxide facies BIFs. The deposit shows weakly negative Eu anomaly (Eu/Eu* = 0.66-0.87) implying the signature of hydrothermal fluids (< 0.1%). BIFs have a chemogenic nature, formed in the Precambrian under different oceanic chemical conditions, and less affected by continental crustal sediments. Fe was derived from hydrothermal fluids released into the deep-ocean and the depositional site was more distal. This is a low-grade siliceous BIF, acceptable for commercial iron ores. The Bidjouka BIF deposit is mostly similar with Paleoproterozoic global BIF of Superior-type.Keywords- Bidjouka, Microband and mesoband, Chemogenic, Low-grade, Low-T hydrothermal. |