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This study aims to investigate the influence of the service concept on customer acquisition and when the relationship is moderated with manager’s experience in Savings and Credit Cooperative Societies (SACCOS) within Dar es Salaam City, Tanzania.

The study adopts a cross-sectional research design and utilizes simple random sampling to select 226 respondents, all of whom are managers of SACCOS in Tanzania. Data were collected through a questionnaire and analyzed using a partial least square structural equation modeling (PLS-SEM).

The findings indicate that service concept have a highly statistically significant impact on customer acquisition, with a p-value of less than 0.05. Conversely, managers’ experience also influences customer acquisition by the p-value of less than 0.05. The result also confirms the significance influence of positive moderating effect of manager’s experience on the relationship between service concept and customer acquisition, with a p-value of less than 0.05, therefore it shows that manager’s experience facilitate the influence of service concept to customer acquisition.

The findings of this study provide valuable insights for SACCOS aiming to thrive and attract more customers. By understanding the nuances of service concepts, these institutions can refine their strategies for customer acquisition effectively.

The study’s insights into the composite effect of service concepts hold significance for SACCOS seeking to enhance their customer acquisition strategies enhanced by manager’s experience. These findings contribute new perspectives to the SACCOS and other related financial services sector, offering fresh insights into innovation and customer-centric approaches.

The research works concerned with heritage management, in general, are available domestically and globally, but they are not as abundant as required when it comes to the management of twentieth-century urban heritages, particularly the Somali region. Thus, this research is assumed as innovative and evocative of additional research initiatives in the management of twentieth-century urban heritages, and it can assure the development of sustainable heritage tourism in the research area.

The study employed a cross-sectional survey as the research design, and qualitative data of both primary and secondary types were collected for this research. Therefore, purposively selected knowledgeable individuals in heritages of the study area were involved in in-depth interviews and focus group discussions, and field surveys of twentieth-century built urban heritage sites were conducted in Jigjiga, Erer and Qebridahar cities. Generally, observation, face-to-face interview interviews and focused group discussions were used to collect primary data, and document analysis was also used to collect secondary data.

The findings of the study revealed that the Somali region is rich in twentieth-century urban built heritage. The imperial palace, administrative centers, mosques, shrines, churches, military camps, Italian-built architecture sites, patriot centers, statues of local heroes, older bus stations and city centers are among the twentieth-century built heritages in the region. However, most of these heritages were not recognized. Consequently; conservation, promotion and use of the twentieth-century urban heritages for sustainable development are given little attention despite that there are infrastructural facilities for tourists in the region and the proximity of the region to the heritage tourism corridors of Harar and Dire Dawa.

Awareness should be made to the concerned institutions and societies about socio-economic and cultural values of the twentieth-century urban built heritage.

The Federal Culture and Tourism Ministry and Culture and Tourism Bureau of the Somali region should cooperatively develop a short and long-term plan of action to manage the twentieth-century built urban heritage of the region and use them for sustainable development through the participation of the society.

The local institutions, communities and individuals should be aware of and involved in the conservation, promotion and use of the twentieth-century built urban heritages for sustainable social, cultural and economic development.

As far as the researchers' knowledge is concerned, there is no research of a similar type in which the setting and results are closer to this. Therefore, this research is original and is based on extensive primary data gathered from field surveys.

The aim of this study is to develop a new multidimensional index to measure export potential of textile firms by using firm-level data.

After a conceptual model, a structural equation model is developed with five dimensions and 27 observed variables based on resource-based view theory. The measurement model is solved by Linear Structural Relations (LISREL) with maximum likelihood algorithm by using data collected from 454 textile firms in Türkiye.

In this study, a new multidimensional index that measures export potential of textile firms is developed. With the proposed model, the export potential of textile firms can be calculated numerically with the five dimensions: Resources, Dynamism, Knowledge, Innovation and Sustainability. The comparison of the output of the proposed model with the control variable, firm’s actual export values, shows a significantly high success ratio of 90.76%.

The model is applicable for textile firms at different export levels, regions and sub-sectors. The Export Potential Index for Textile Industry model is verified by using Turkish textile industry data. The robustness of the model may be increased by verifying the model by using some other countries data. This model can be implemented to other industrial sectors with some modification of the dimensions and variables.

The proposed model will contribute to the firms by calculating their export potential in five dimensions with their own variables numerically. The model will help firms to develop strategies to increase their export potential and to the governmental and industrial organizations to develop incentives policies.

This paper fills the gap in the literature by proposing a multidimensional index that determines a firm’s export potential numerically by using firm-level data.