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Julica S. Ocena

Publications (1)

Human Resource Capabilities and Business Performance of Microfinance Institutions (MFIs)

Jason B. Cercado, Rianne Marie N. Ponce, Joven S. Beltran, Julica S. Ocena & Alliah Shane S. Salditos · Asian Journal of Economics, Business and Accounting · 2026

Background and Aims: MFI growth depends on human resource capabilities, which are characterized by knowledge, skills, attitudes, and values. This study investigates the financial sustainability challenges and high employee turnover negatively impacting the performance of microfin...

Open access Research Article 10.9734/ajeba/2026/v26i22178