American Research Journal of Business and Management

Clovis de Faro1, Gerson Lachtermacher2

Aiming to conciliate the pros and cons of the system of amortization with constant installments and the system of constant amortization, the Brazilian Housing Financing System (SFH), introduced the so-called System of Mixed Amortization. Besides comparing these three distinct systems of amortization in the case of individual contracts, the paper presents also a comparison of the correspondent multiple contracts versions.

Alena Nazarova

The article discusses the transfer of project methodologies from capital-intensive industries to the context of individual entrepreneurship in the beauty industry. Based on the case of N.A.S.consult, it shows how adapted management tools allow practitioners to structure their work and improve financial results. To verify the rationale of the approach, industry benchmarks (retention, rebooking, share of online appointments, membership models) were used, as well as a comparison with the case data. Program participants demonstrated a revenue increase of approximately 15-35% over the first 24 months and stabilization of the client base; the strategic model includes targeting, pricing, membership tools, and a KPI dashboard. The novelty lies in the operationalization of transferable practices (goals, time, resources, communications) and the identification of elements that require complete reworking (multi-level coordination, cumbersome regulations) [1–3, 10–12].

Tofig Karimli

The article is devoted to the study of opportunities and methodological aspects of integrating intelligent systems (IS) in urban development of agglomerations, with a focus on the context of the Baku region of Azerbaijan. In the context of global trends of urbanization and concentration of resources in agglomerations, the concept of “smart city” is considered as a promising paradigm for solving complex problems of urban environment management and sustainable development. The article analyzes the theoretical foundations of the concept of “smart city” and the role of intelligent systems, assesses the state of urban development of Azerbaijan’s agglomerations, identifies key challenges and opportunities for the application of IS in various areas, including transport, energy, security and water management. Based on the analysis, the author develops practical recommendations for the adaptation and implementation of IS in the existing urban planning practice of Azerbaijan, taking into account the unique socio-economic and geographical features of the region, aimed at improving the efficiency, safety and quality of life of citizens.

Dr. Daryl D. Green, Dr. Tracy Dunn, Dr. Jack McCann, Dr. Heidi O’Donnell, Caitlyn Stickney, Matthew Walkingstick

In today’s rapidly evolving sports world, coaches who harness the power of social media and media outlets can transform athletic programs and inspire the next generation of athletes and leaders. This study examines the coaching methods and off-field ventures of Coach Deion Sanders, known as “Coach Prime,” and the significant role of Well Off Media in reshaping sports media influence. Sanders stands as a disruptive force in college football, using his platform to cultivate a winning team culture, both on and off the field. As the only individual to have played in both the World Series and Super Bowl, Sanders brings unparalleled experience as a multi-sport athlete to his role as a head coach and social media influencer. Through qualitative analysis of Sanders’ strategies and their outcomes, this research offers valuable insights into brand development, strategic actions in sports media, and change management in athletics. In an era where influence extends beyond the field, Sanders’ approach serves as an inspiring model for coaches aiming to leave a lasting impact on their teams, communities, and the broader sports industry.

Amarendra Acharya1, Prakash A. Salvi2 

The rise and ebb of capital flows has buffeted the Indian economy. The Reserve Bank intervenes in the foreign exchange market to smoothen the volatility. Against this backdrop, this paper studies the management of exchange rate volatility and also the sterilisation of the surplus liquidity generated from the RBI intervention. With the adoption of flexible inflation targeting, liquidity management operations have undergone modification. In this context, this paper examines the effectiveness of sterilisation operations in this period. With the application of two-stage least squares, this paper finds out that the effectiveness of sterilisation operations has remained intact in this period, indicating that monetary policy independence is being maintained in the Indian economy.

Zharmagambetov Yernar 

The article discusses approaches to optimizing investment portfolios with an emphasis on the Markowitz model, as well as other mathematical methods. As the purpose of the work, it was chosen to study algorithms for building portfolios, analyze the effective front, identify key characteristics of models, and identify their limitations. The materials of the article are based on methods including the Markowitz model, stochastic algorithms, and evolutionary approaches. Covariance matrices, forecasting returns, accounting for asymmetric risks, and the impact of market volatility are studied. A comparative analysis of classical methods and modern solutions, such as robust optimization, machine learning, is carried out. The conclusions of the article confirm the applicability of the Markowitz model in stable market conditions with rational strategies of participants. However, market instability creates limitations for the use of this model. Modern approaches demonstrate adaptability, resistance to uncertainty, and require significant computing resources. The information reflected in the framework of the work, based on the study of literary sources, will be useful for studying by specialists working in the field of economics, financial analysis, asset management. The practical value of the work lies in the analysis of existing methods aimed at reducing risks, which will improve the profitability of portfolios.