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HELARIA B. CARMONA

Publications (4)

The Relationship between Service Quality and Service Convenience of a Digital Ordering System in a Fast-Food Chain

Trisha Mae E. Silva, Irish A. Abuloc, Ronald E. Almagro & HELARIA B. CARMONA · South Asian Journal of Social Studies and Economics · 2026

The integration of digital ordering systems in fast-food establishments has transformed customer service by offering faster, more convenient ordering processes. Despite technological advancements, challenges related to system performance, service responsiveness, and information c...

Open access Research Article 10.9734/sajsse/2026/v23i51311

From Cash to GCash: The Adoption of Digital Payment Systems and Its Perceived Benefits among Partner Merchants in Santo Tomas, Davao Del Norte

Mikylla A. Aros, Jessica A. Oniot, Ronald E. Almagro & HELARIA B. CARMONA · South Asian Journal of Social Studies and Economics · 2026

A digital payment system can be defined as an electronic solution that allows conducting transactions without using cash and, as such, provides convenience, efficiency, and security in business activities. This paper found the strong association between the use of the digital pay...

Open access Research Article 10.9734/sajsse/2026/v23i41309

Office Management Quality and Risk Management Practices as Predictors to the Long-term Sustainability of Lending Corporations

JOCELYN P. LEDESMA, RACHEL A. VILLAFLOR, Ronald E. Almagro & HELARIA B. CARMONA · South Asian Journal of Social Studies and Economics · 2025

This study aimed to determine whether office management quality and risk management practices significantly influence the lending corporations’ long-term sustainability. A quantitative descriptive correlational research design was used. A sample of 155 employees from lending corp...

Open access Research Article 10.9734/sajsse/2025/v22i4994

The Influence of Online Reviews on Customer Trust in Selected Coffee Shops in Santo Tomas, Davao del Norte

Jan Carl M. Guillera, Joshua P. Narvasa, Loren Grace S. Semblante, Ronald E. Almagro & HELARIA B. CARMONA · South Asian Journal of Social Studies and Economics · 2026

Customer trust refers to the confidence consumers place in a company’s reliability and integrity based on consistent and credible interactions. This study determined the relationship between Online Reviews and Customer Trust in Selected Coffee Shops in Santo Tomas, Davao del Nort...

Open access Research Article 10.9734/sajsse/2026/v23i51310