Journal articles on the topic 'Nature of banking relationship'
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1
Saidi, T. A. "Relationship between ethical and Islamic banking systems and its business management implications." South African Journal of Business Management 40, no. 1 (March 31, 2009): 43–49. http://dx.doi.org/10.4102/sajbm.v40i1.534.
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Islamic banking has become the fastest growing sector in the financial markets of the world in the past three decades, and this growth trajectory has coincided with the world’s renewed interest in the ideas of ethical banking. This raises the question regarding the actual nature of the relationship between ethical and Islamic banking systems, and the analysis in the current paper intends to provide answers to this question. The analysis has shown that the practices of Islamic banking system fit into ethical banking framework to a greater extent. It concludes that Islamic banking forms part of the broad ethical banking brand, and thus its rapid growth at the time when the ethical banking movement gathers new momentum could not be a matter of sheer coincidence.The paper also examines three business management implications of its findings. One implication is that proper name selection is an important aspect of successful branding and marketing of products or services; and the second is that we are in the age of committed consumption whereby principles, ethics and image are issues of importance in people’s choice of brands. The third implication is that market niching business strategies could bring success if properly designed and executed.
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Guo, Yongsheng, John Holland, and Niklas Kreander. "An exploration of the value creation process in bank-corporate communications." Journal of Communication Management 18, no. 3 (July 29, 2014): 254–70. http://dx.doi.org/10.1108/jcom-10-2012-0079.
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Purpose – Banks and corporate customers have realized that bank-corporate relationship is important but little is known about why and how banks establish and exploit relationships. No comprehensive theory has explained relationship banking and in order to get a better understanding the purpose of this paper is to investigate why and how banks and companies communicate in order to create value. Design/methodology/approach – This study adopts a qualitative methodology and a grounded theory approach was adopted. In total, 34 in-depth interviews were conducted with banks and 15 with corporate managers. Grounded theory models are developed based on interview data. Findings – It was found that the nature of bank-corporate relationship is long term. The relationship is based on trust-based personal communications between banks and corporate customers. Macro conditions including the advances in technology, financial regulation and business globalization were considered when the case banks adopted relationship banking. Some intervening conditions including customer information and knowledge, customer needs and customer confidence also influence the development of relationship banking. The interviewees perceived that the case banks gained benefits including better customer retention economy, risk management efficiency and greater effectiveness in maintaining sustainable profitability. The corporate customers gained benefits including fund availability, product availability, service quality, help in-time and business platform. Originality/value – This study derives concepts and categories from primary data and identifies relationships among these theoretical elements. This investigation provides a comprehensive picture of relationship banking and supplies some theoretical and practical implications. Moreover, a value creation and allocation theory of the bank is developed.
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Kodra, Kledian, and Drini Salko. "Capital Adequacy In The Albanian Banking System; An Econometrical Analysis With A Focus On Credit Risk." European Scientific Journal, ESJ 12, no. 1 (January 29, 2016): 271. http://dx.doi.org/10.19044/esj.2016.v12n1p271.
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This paper examines the relationship between regulatory capital and credit risk within the Albanian banking sector. We estimate an equation which tries to capture the relationship among regulatory capital, nonperforming loans, profitability, total assets, liquidity and the level of growth in the GDP. The data is grouped and the analysis is performed in accordance with three banking groups. The grouping of the banks is in accordance with their size in the system and reflects the grouping used by the central bank for regulatory purposes. The model developed can be used to forecast required levels of CAR and it suggests that in the Albanian banking system, as well as for each bank group separately, the relationship between CAR and NPL is negative, the relationship between CAR and assets is negative for an unchanged level of regulatory capital, the relationship between CAR and profitability is positive, whereas the relationship between CAR and liquidity is negative. The effects of the change in the level of NPL on CAR are of a longer term nature, whereas the effect of the change in the level of assets on CAR is more of a shorter term nature.
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Hassan, M. Kabir, David R. Wolfe, and Neal C. Maroney. "Corporate control and governance in banking." Corporate Ownership and Control 1, no. 4 (2004): 94–107. http://dx.doi.org/10.22495/cocv1i4p8.
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Banking firms face an industry specific set of agency problems. The heavily regulated nature of the industry alters the shareholder/manger relationship. The scope of market discipline in the industry is severely limited due to regulatory oversight. This article surveys the state of the corporate governance literature with an emphasis on reviewing the agency problems unique to the banking industry.
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Binks, Martin R., and Christine T. Ennew. "Smaller Businesses and Relationship Banking: The Impact of Participative Behavior." Entrepreneurship Theory and Practice 21, no. 4 (July 1997): 83–92. http://dx.doi.org/10.1177/104225879702100406.
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Although the venture capital industry is undoubtedly of Importance, the majority of finance to smaller businesses continues to be provided by the banking sector. The provision of finance to these businesses is generally thought to be characterized by Information asymmetries, which are likely to lead to some form of credit rationing. To the extent that credit rationing occurs, viable enterprise may be lost. While collateral is commonly cited as a means of counteracting the information asymmetries that lead to credit rationing, an alternative mechanism is to improve the flow of information between business and bank. This is most commonly achieved through the development of a close working relationship. The success of such a relationship depends upon the willingness of both parties to involve themselves with each other and work together. This paper examines the nature of the banking relationship, paying particular attention to the idea of relationship participation and the benefits that accrue to both parties as a result of participation. Using data from over 3000 UK small firms, It is possible to identify four broad relationship types based on the degree to which the bank and the business participate in the relationship. A comparison across different relationship types suggests that there are considerable benefits associated with more participative relationships.
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Houjeir, Roudaina, and Ross Brennan. "The influence of culture on trust in B2B banking relationships." International Journal of Bank Marketing 35, no. 3 (May 15, 2017): 495–515. http://dx.doi.org/10.1108/ijbm-05-2016-0075.
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Purpose The purpose of this paper is to explore the significance of culture generally, and Arab culture in particular, for the development of trust in business-to-business (B2B) banking relationships. Design/methodology/approach Qualitative fieldwork was employed, gathering in-depth interview data from bankers and their business clients in the United Arab Emirates (UAE). In total, 80 relationships between bankers and business clients were investigated. Findings The development of trusting relationships between bankers and clients is affected by the cultural origins of the relationship partners. Strongly held religious beliefs, and loyalty to family, tribe and nation, lead to strong affect-based trust between bankers and clients from Arab culture. Cognitive-based trust is more characteristic of UAE banker/client relationships that involve partners from outside the Arab world. Research limitations/implications The study was conducted in the UAE. Additional tests in other Arab countries would be valuable. The qualitative nature of the study means that statistical generalizations cannot be drawn. Practical implications The cultural origins of banking relationship managers are of considerable importance when seeking to develop relationships of trust with business banking clients in the Arab world. Originality/value This substantial, qualitative study of banker relationships with business clients throws considerable light on the importance of culture as an antecedent to trust in B2B banking relationships.
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Pambudi, Ari, Riya Widayanti, and Primasatria Edastama. "Trust and Acceptance of E-Banking Technology Effect of Mediation on Customer Relationship Management Performance." ADI Journal on Recent Innovation (AJRI) 3, no. 1 (September 30, 2021): 87–96. http://dx.doi.org/10.34306/ajri.v3i1.538.
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The application of E-Banking is a form of bank service to customers that was established in the 1970s and has started in Malaysia. There was a form of innovation that technology gave to electronics in 1981 into the world of the banking industry. The first was the introduction of Automated Teller Machines. On June 1, 2000, the Central Bank of Malaysia was officially established and gave permission to improve the form of service and convenience for customers when conducting online transactions which previously were done offline and could not be done anywhere. Banking in Indonesia has the advantage of instilling harmony in business ideals and values ??that lead to spirituality. A good relationship in building relationships is the standard for choosing a private bank. Where certain conditions banking is able to become mobile on online applications. It has been seen that there is less activity in bank lobbying in conducting transactions between customers and employees, because it has increased customer satisfaction, maintaining relationships with antecedent factors and marketing performance in the field. For this reason, CRM performance has a goal in building and maintaining good relationships, the nature of buyers and customer retention from the responses given. In a traditional commercial society, the physical form that can be seen is trust. The banking world is not far from the name of marketing and management as attracting forms of customer trust by providing products, services and buyer behavior by displaying employee performance. The application of strategies in marketing is a form of reference in attracting customers to become regular customers with the main purpose of this research paper being to analyze CRM performance as a form of trust in customer relationships to E-Banking without meeting bank employees, bringing convenience to customers in using banking e-banking services. accessible online.
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Davies, Bill. "What is the Extent of the Customer’s Duty not to Facilitate Fraud?" Business Law Review 30, Issue 11 (November 1, 2009): 238–42. http://dx.doi.org/10.54648/bula2009054.
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This article examines the duty owed by a customer to his bank not to facilitate fraud on his account. It considers the extent to which the nature and scope of this well recognised duty have remained the same despite major changes in the banking industry. It considers the impact on the contract of electronic banking, in particular the introduction of automated teller machines (ATMs) and the use of personal identification numbers (PINs). It questions whether the impact of these banking innovations on the banker–customer relationship. Finally the article considers the Payment Services Regulations 2009 that came fully into force from 1 November 2009. These regulations cover various incidents of the banker–customer relationship and amongst other features, replace the Banking Code.
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Shustov, E. A. "Regional banking services market: place in the regional socio-economic system." Moscow University Economics Bulletin, no. 3 (May 6, 2022): 63–83. http://dx.doi.org/10.38050/01300105202234.
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The article examines the phenomenon of connection between the regional market of banking services and the regional socioeconomic systems on the example of the Russian Federation’s subjects. In order to identify the measure and nature of this relationship, the regional socio-economic system and the regional banking services market are appropriately parametrized and analyzed for reciprocal causality. The study indicates that this relationship is statistically significant and mainly bilateral as well as partly unilateral with predominance of regional socio-economic system parameters’ causality. The regional socio-economic system, thus being articulated, is co-dependent and co-directed with the regional banking market, nevertheless dominates it.
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Balaji, M. S., Sanjit Kumar Roy, and Khong Kok Wei. "Does relationship communication matter in B2C service relationships?" Journal of Services Marketing 30, no. 2 (April 11, 2016): 186–200. http://dx.doi.org/10.1108/jsm-08-2014-0290.
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Purpose Given the role of communication in relationship development and maintenance, the purpose of this study is to examine the multidimensional nature of relationship communication and examine its association with customers’ cognitive and affective states (consisting of trust, intimacy and image) and relationship commitment. Design/methodology/approach A set of hypotheses is developed based on review of the literature. The hypotheses are tested empirically using partial least square path modelling on survey data collected from users of retail banking services. Findings Results show that relationship communication is a second-order construct consisting of the first-order factors of clarity, pleasantness, responsiveness and language. The findings suggest that service firm’s communications influence customers’ cognitive and affective states, which, in turn, affects customer’s commitment towards the firm. Practical implications The study provides useful insights to both researchers and practitioners on the role of relationship communication in relationship development and maintenance. Through investigation of the relationship communication dimensions, an optimum communication mix can be achieved to deliver messages in an effective way to the customers. Originality/value The contribution of the study lies in proposing and testing relationship communication as a higher-order construct and explicating its role in developing committed customers.
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Ben Mimoun, Mohamed. "Islamic banking and real performances in a dual banking system." International Journal of Islamic and Middle Eastern Finance and Management 12, no. 3 (July 15, 2019): 426–47. http://dx.doi.org/10.1108/imefm-07-2018-0223.
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Purpose There is a rich debate on the nature of Islamic banking (IB)–growth nexus and the direction of causality governing this nexus. This study aims to focus on this issue in the case of Saudi Arabia, the largest country-holder of Islamic Banks (IBs)’ assets worldwide. It assesses empirically the nature of dynamic interactions between IBs’ financing and the real performances in the non-oil private sector (investment and GDP) in the context of a dual banking system where IBs operate alongside their conventional counterparts. Design/methodology/approach This study employs the Bounds test in the context of reparametrized autoregression distribution lags (ARDL) models to analyse both long-run and short-run dynamics governing Islamic and conventional banks’ (CBs) financings on one hand and real investment and GDP in the private sector on the other hand over the 2007q1-2016q4 period. It also uses the Toda and Yamamoto (1995) augmented Granger-causality test to assess the direction of causality governing these dynamics. Findings The more important results are: there is a stable and significant long-run relationship between IBs’ financing and real performances in the private sector. This nexus is governed by the “feed-back hypothesis”, implying the validity of both the “supply-leading” and the “demand-following” hypotheses. In a dual banking system context, IBs exert two effects on the financing of their conventional counterparts: a negative “crowding-out” effect and a positive and “stimulating” effect which transmits through the “competition” channel. Finally, in the long-run, steady-state, real GDP is dissociated from CBs’ financing. Originality/value This paper highlights an issue that has not received the needed attention in the case of Saudi Arabia. It has also found novel results with important policy implications.
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Brun, Isabelle, Fabien Durif, and Line Ricard. "E-relationship marketing: a cognitive mapping introspection in the banking sector." European Journal of Marketing 48, no. 3/4 (April 8, 2014): 572–94. http://dx.doi.org/10.1108/ejm-04-2012-0207.
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Purpose – The aim of this paper is to explore and better understand e-relationship marketing and to identify elements (key concepts) that are predominant to ensure success via the internet. Design/methodology/approach – The exploratory cognitive mapping technique (Cossette, 2004) employs three types of respondents, namely a banking expert, online banking customer and academic expert. Findings – The study points up similarities with traditional relationship marketing (e.g. satisfaction, commitment by bank) and identifies several new concepts spawned by the web-based environment. More precisely, the study highlights the importance of the simplicity and ease of the customer's web experience. Research limitations/implications – The exploratory and qualitative nature of this study opens the door to validation with a broader sample using a self-administered questionnaire developed based on the cognitive mapping technique. Practical implications – In addition to guaranteeing customer satisfaction, it is important: that customers perceive the bank's investment in and commitment to the e-relationship strategy; and, that customers enjoy a highly positive web experience (e.g. perceived quality of site and ease-of-use). Originality/value – Research findings result in an enhanced understanding of e-relationship marketing. Also, given the combination of sparse use of cognitive mapping in marketing and investigation of three different types of subjects (banking expert, online banking customer and academic expert), the findings lend originality while making a substantive theoretical contribution to topical literature.
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Arcand, Manon, Sandrine PromTep, Isabelle Brun, and Lova Rajaobelina. "Mobile banking service quality and customer relationships." International Journal of Bank Marketing 35, no. 7 (October 2, 2017): 1068–89. http://dx.doi.org/10.1108/ijbm-10-2015-0150.
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Purpose The purpose of this paper is to investigate the multidimensional concept of mobile banking service quality (security/privacy, practicity, design/aesthetics, enjoyment and sociality) and the impact of the latter on the quality of the relationship (commitment, trust and satisfaction) between consumers and their primary financial institution. Design/methodology/approach An online survey was conducted using a sample of 375 respondents, all owners of a mobile device and all accustomed to conducting banking activities on mobile platforms. Results were analyzed using structural modeling techniques (EQS 6.1). Findings Findings confirm that trust significantly and positively impacts commitment/satisfaction. Mobile banking service quality dimensions also influence trust and commitment/satisfaction. Trust is associated with security/privacy and practicity (regarded as utilitarian factors), while commitment/satisfaction is driven by enjoyment and sociality (dimensions more hedonic by nature). No link is found between interface design and either trust or commitment/satisfaction. Originality/value This study contributes to bank marketing theory since it is the first to demonstrate how key mobile banking service quality dimensions drive customer perceptions of relationship quality. In doing so, this research extends beyond mobile adoption (short term) by addressing customer engagement with financial institutions and issues relating to relationship quality (long term). Regarding managerial implications, findings signal to marketers in the financial services industry the importance of not underestimating the power of hedonic factors (sociality and enjoyment) when developing mobile platforms. These dimensions are often overlooked in the banking industry, a sector in which consumers are believed to be mostly driven by utilitarian motives.
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Amoako, George Kofi, Peter Anabila, Ebenezer Asare Effah, and Desmond Kwadjo Kumi. "Mediation role of brand preference on bank advertising and customer loyalty." International Journal of Bank Marketing 35, no. 6 (September 4, 2017): 983–96. http://dx.doi.org/10.1108/ijbm-07-2016-0092.
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Purpose The purpose of this paper is to investigate the mediating role of brand preference on the relationship between bank advertising and customer loyalty in Ghana’s banking industry. Design/methodology/approach A total number of 600 respondents participated in the study. Convenient sampling technique was employed to select a cross-section of customers from the universal banks currently operating in Ghana. Structural equation modeling technique of PLS was used to test the nature of relationships in the research hypotheses. Findings The study found a significant positive relationship between advertising effectiveness and brand preference. Also, there is a significant positive relationship between advertising and customer loyalty. Again, there is a significant positive relationship between brand preference and customer loyalty. Finally, brand preference positive mediates the relationships between advertising and customer loyalty. Practical implications The study provides a useful guide to strategy and policy formulation in marketing communication by establishing the potential viability of advertising strategy in bank marketing and its potential to generate brand preference and customer loyalty. Originality/value The study has practical implication for, and relevance not only to the banking industry communication strategy but also the entire financial services industry.
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Jassem, Moqdad Ibrahim, Rafiduraida Abdul Rahman, and Abdelrahman Mohamed Ibrahim. "Effect of Using Modern Banking Services on Customer Inspiration: Statistical Analysis." Advances in Materials Science and Engineering 2022 (February 17, 2022): 1–6. http://dx.doi.org/10.1155/2022/7130559.
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Customer inspiration has recently gained much interest in marketing theory due to its consistent results as a customer management technique. Herein, the relationship between banking services and customer inspiration through the role of gender moderation is presented. Structural equation modelling through partial least squares modelling (PLS-SEM) has been employed to determine the nature of relationships between variables. Six hundred and forty questionnaires are distributed to branches of ten banks distributed in nine major cities in Iraq, including the capital, Baghdad. Data collection took 62 days; 394 complete answers (i.e., 61.56%) are collected. The approximate viability was evaluated by analyzing the average values of the extracted AVE contrast, where the average AVE was greater than 0.5 for all formulations. The findings show that banking services have a significant positive effect on inspiration and that gender has a positive role in mediating the relationship as a moderation variable.
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Simpson, Brian P. "Lessons from a Review of Money, Banking, and the Business Cycle." Zagreb International Review of Economics and Business 21, no. 2 (November 1, 2018): 97–113. http://dx.doi.org/10.2478/zireb-2018-0016.
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Abstract Shawn Ritenour provides a review of my two-volume book titled Money, Banking, and the Business Cycle in the winter 2016 issue of The Quarterly Journal of Austrian Economics. This paper constitutes a response to some of the criticisms of the book in his review. In this response, I discuss topics such as the nature of profits, the sustainability of changes in time preference, the role of changes in prices versus changes in spending in the business cycle, the relationship between interest rates and the rate of profit, the nature of fraud, and the nature of value. I also discuss whether the structure of production can be measured using the average period of production. I address other issues raised by Ritenour as well. This discussion sheds light on Austrian business cycle theory and the nature of the business cycle.
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Maher, Asaad Hamdi, Hiwa Abubakr Ali, and Muhsin Ibrahim Ahmad. "The Impact of Business Ethics on Islamic Banking Marketing." Journal of University of Human Development 3, no. 2 (June 30, 2017): 243. http://dx.doi.org/10.21928/juhd.v3n2y2017.pp243-271.
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Address search to determine the effect of the dimensions of business ethics on Islamic Banking Marketing, the subject of business ethics one of the most important topics in the local and international markets, which aims to win and keep dimension competitive advantages both to customers and employees or others.
In light of this and the importance of business ethics in influencing public employee in the workplace behavior and the level of performance in organizations , as well as, the level of services in general. research has come to clarify the effect of the dimensions of business ethics on Islamic banking marketing in Sulaimani province, and given the importance of the subject in the Islamic banking is included in this study within the framework of a comprehensive study supports the theory and applied, and centering the research problem in the following questions:
What level of significant of business ethics in Islamic banking?
Are Islamic banks having a clear idea about business ethics?
Has business ethics the role of quality of services in Islamic banking?
What is the nature and effect relationship between business ethics and marketing of Islamic banking? In order to answer these questions have been relying on the questionnaire for the collecting data and information in the field of the study, as well as , interviews and field visits were analyzed by (SPSS) and study concluding some important point :
there were no significant correlation between business ethics and marketing of Islamic banking relationship. 2. The presence of the influence of spirits between business ethics and marketing of Islamic banking relationship.
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Nazar, Nida, Sara Ravan Ramzani, Temoor Anjum, and Imran Ahmed Shahzad. "Organizational Performance: The Role of TQM Practices in Banking Sector of Pakistan." European Scientific Journal, ESJ 14, no. 31 (November 30, 2018): 278. http://dx.doi.org/10.19044/esj.2018.v14n31p278.
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The main purpose of this study was to investigate the m relationship between Total Quality Management (TQM) and Organizational Performance (OP). The motivation for this study was driven by the inconsistent findings in the literature concerning the relationships between TQM and OP. Due to the inconsistent results, a new research has emerged and this has prompted further investigation on the effects of other variables that may better explain the nature of these links. Questionnaires were distributed to 400 Sections of the Pakistani banks. 230 questionnaires were returned and used in the analysis using the PLS-SEM. The results of this study revealed that TQM is significant predictors of OP
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Kerimov, Pavlo. "Financial depth-economic growth nexus: Implications for the Ukrainian banking sector." Banks and Bank Systems 16, no. 4 (November 22, 2021): 72–83. http://dx.doi.org/10.21511/bbs.16(4).2021.07.
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The relevance of this study is warranted by changes in the modern understanding of the interrelation between economic growth and financial depth. While earlier studies consider it to be universally positive, newer ones tend to challenge both nature and direction of such a relationship. This paper aims to investigate the nature of the financial depth-economic growth nexus in Ukraine during 2008–2019 based on data provided by the State Statistics Committee of Ukraine and the National Bank of Ukraine, using the standard OLS regression. The resulting model with an adjusted R squared of 0,96 confirms a strong (within a 90% confidence interval) linear relationship between real GDP per capita, denominated in local currency, which was used as a proxy for economic growth, and financial depth, which was assessed using three indicators: the share of bank loans to non-financial institutions in real GDP, the share of non-bank loans to non-financial institutions in real GDP, and the share of stock market capitalization in real GDP. Both bank and non-bank loans to real GDP ratios have a negative impact on economic growth (UAH 2,154 and UAH 78,154 decline per 1% growth, respectively), while market capitalization provides a positive influence (UAH 1,641,130 growth per 1% growth). This implies that, despite concentrating the majority of the resources available to the Ukrainian financial sector, the banking sector does not contribute to its economic growth. This can be alleviated by imposing additional restrictions on the amount of government securities allowed in a bank’s capital structure. AcknowledgmentsThe paper was funded as a part of the “Relationship between financial depth and economic growth in Ukraine” research project (No. 0121U110766), conducted at the State Institution “Institute for Economics and Forecasting of the NAS of Ukraine”.
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Ponnam, Abhilash, and Rik Paul. "Relative importance of service value by customer relationship stages." International Journal of Bank Marketing 35, no. 2 (April 3, 2017): 319–34. http://dx.doi.org/10.1108/ijbm-04-2016-0056.
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Purpose The purpose of this paper is to empirically sketch the phenomenon about the nature of service value expected in different stages of relationship over time in Indian retail banking context. Design/methodology/approach Customer service value dimensions pertinent to Indian retail banking context were explored psychometrically. Later, mean factor scores of obtained service value dimensions across relationship stages (early, intermediate, and advanced) were calculated and fed into PERMAP software to graphically depict the relationship between value dimensions and relationship stages. To validate the PERMAP solution, one-way ANOVA was run for each value dimension with independent variable as a relationship level. Findings The service value dimensions pertinent to Indian banking context are customer intimacy, product leadership, service equity, perceived sacrifice, service quality, and operational excellence. The authors could empirically prove that except for operational excellence and service quality, all the other value dimensions exhibited variation in importance over time. Results reveal that customers in the early stages of relationship value tangible value dimensions and the ones in advanced stages of relationship value intangible dimensions. Practical implications Managers should formulate marketing strategies which will signal the customers, the superiority of the bank in delivering performance on tangible dimensions during the early stages of relationship, whereas understanding and addressing unique customer needs and establishing an emotional bonding with customers should be emphasized in the advanced stages of relationship. Originality/value The current research could adequately establish the essential role of tangible value dimensions in shaping service value during the early stages of relationship and intangible value dimensions in the later stages of relationship.
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Kurnia Sari, Ucik Refani, and Djuminah. "Corporate Social Responsibility, Banking Financial Performance and Financial Distress during the Covid-19 Pandemic." International Journal of Economics, Business and Management Research 06, no. 09 (2022): 128–39. http://dx.doi.org/10.51505/ijebmr.2022.6910.
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The purpose of this study was to obtain empirical evidence of the influence of Corporate Social Responsibility (CSR) on financial performance of banking companies during the Covid-19 pandemic and the role of financial distress as a moderating variable in this relationship is also examined. In this study, financial performance is measured using Return on Assets (ROA). The sample used in this study are banking companies listed on the Indonesia Stock Exchange (IDX) in 2020 and 2021. The sample selection method used is purposive sampling. The analysis technique used is Moderated Regression Analysis (MRA) using SPSS version 25 software. This research showed that CSR has no significant effect on banking financial performance during the Covid-19 pandemic. Financial distress which is used as moderating variable has no significant effect on the relationship between CSR and finacial performance during the Covid-19 pandemic. This study extends the previous literature by discovering the true nature of CSR as an investment in the future.
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Khemiri, Moetez, and Rim Jallouli. "Technology-enabled Personalization for Mobile Banking Services." Journal of Telecommunications and the Digital Economy 10, no. 2 (June 10, 2022): 173–94. http://dx.doi.org/10.18080/jtde.v10n2.545.
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New technologies are giving very interesting potential to the personalization of products and services, in particular of mobile services. The study of the literature shows that technology-based personalization is an important factor in the adoption of mobile services. However, previous researchers are not unanimous as to the nature of this role: some studies confirm the moderating or mediating effect of personalization on the relationship between the adoption factors stated in the Unified Technology Acceptance and Utilization Theory (UTAUT) and the intention to adopt technology-based services. Other researchers consider that personalization rather exerts a causal relationship on the adoption of technology-based services. This paper undertakes a literature review with the aim of clarifying the impact of new technologies, such as artificial intelligence, Big Data, Internet of Things and Block Chain, on the personalization of mobile banking services. Moreover, this study presents a synthesis of previous research examining the role of personalization in relation to the factors affecting adoption and the intention to adopt mobile banking. Finally, this research proposes a conceptual model that can serve as a basis for future empirical research in the context of mobile services. Results and discussion could guide future empirical research in this area.
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Ahmad, Naveed, Rana Tahir Naveed, Miklas Scholz, Muhammad Irfan, Muhammad Usman, and Ilyas Ahmad. "CSR Communication through Social Media: A Litmus Test for Banking Consumers’ Loyalty." Sustainability 13, no. 4 (February 20, 2021): 2319. http://dx.doi.org/10.3390/su13042319.
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Prior literature in the field of corporate social responsibility (CSR) has largely focused on investigating its relationship with organizational-related outcomes, whereas the impact of CSR on consumer behavior is largely ignored in the recent literature. Further, most of the prior studies have investigated CSR with a philanthropic viewpoint, but its importance in achieving marketing-related outcomes is something that is to date, underexplored. Hence, the aim of the present study is to investigate the impact of CSR communication through social media on consumer loyalty with the mediating effect of consumers’ brand admiration in the banking sector of Pakistan. The banking sector was selected due to the reason that this sector is homogenized in nature and creating consumers’ loyalty due to this homogenized character of this sector is challenging. The data of the present study were collected from different banking consumers through an adapted questionnaire on a five-point Likert scale. A total of 448 fully filled questionnaires were received which included 289 male and 159 female banking consumers. The results of the present study revealed that CSR communications through social media have a positive impact on consumer loyalty, and consumers’ brand admiration partially mediates this relationship. The findings of the present study would help policymakers from banking institutions to use CSR strategy from the perspective of marketing which is undoubtedly very important for every organization in the current digital age.
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نجم البشاري, د. مصطفي, and د. عبد الجبار حسن عكاشة فضل. "أثر تقويم الأصول غير الملموسة على منح الائتمان المصرفى." Omdurman Islamic University Journal 12, no. 1 (November 20, 2016): 330–68. http://dx.doi.org/10.52981/oiuj.v12i1.1697.
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This study aims to identify the concept and nature of intangible assets, its importants, variety and the relationship with credit decision-makers that supporting to reach the best methods of standard and clarifying intangible assets.
The study tested the following hypothesis: evaluation of well-known place effect on granting credit in the Sudanese banking sector, evaluation of Intellectual Property effect on granting credit in the Sudanese banking sector, evaluation of human resource effect on granting credit in the Sudanese banking sector
In this study, the deductive, historical, inductive, and descriptive and analysis methods have been used. The study found out some results which are: the weakness of banks to analyze intangible assets to appear in the statements. The study recommended full disclosure of each item of intangible assets in the financial statements
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Dandago, Kabiru Isa, and Nur Diyana Binti Zamro. "Effects Of Rotation On Auditor Independence And Quality Of Audit Service In Malaysian Banking Industry." Issues In Social And Environmental Accounting 6, no. 2 (December 31, 2012): 249. http://dx.doi.org/10.22164/isea.v6i2.72.
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This study highlights the nature of auditor rotation in the Malaysian banking industry and its effects on auditor independence and quality of audit service in the industry. To generate primary data for analysis, interviews were conducted on officials of two banking institutions and one accounting/audit firm. The study finds that there have not been significant changes in the annual appointment of auditors in the Malaysian banking institutions over the last ten years, suggesting that there is a good working relationship between the auditors (especially the Big4) and the banks. This allows room for continuous debate on the need for mandatory rotation as a<br />means for ensuring auditor independence and high audit quality in the Malaysian banking industry. In the absence of statutory/mandatory requirement for auditor rotation, it is recommended that the Malaysian banking institutions should be carefully evaluating the impact auditor rotation would have on the quality of audit work on their current and future financial statements, as they decide whether to rotate their auditors or not.
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Thavikulwat, Precha, and Bosco Wing Tong Yu. "Interbank Interest-Rate Model for the Banking Business of a Multi-Industry Game." Simulation & Gaming 50, no. 6 (August 12, 2019): 667–89. http://dx.doi.org/10.1177/1046878119858376.
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Background. Even though banking undergirds all businesses of the modern economy, not much has been published about how the banking business should be simulated in a business game. A model of the interbank interest-rate market is useful for multi-industry games that includes the banking business, but such a model has not be described in the extant literature. Aim. Our aim is to present a spliced model of the interbank interest-rate market that is derived from the nature of the modern banking system, and to show how the model is used in a game that gives participants practice in executing strategic business decisions and setting national monetary policies. Method. Mathematics based on equilibrium arguments is used to formulate the model. Argument. The interbank interest rate can be derived for three conditions depending on the relationship between aggregated loan requirements and aggregated loanable funds. The derived curves meet smoothly at a single splice point. Conclusion. The spliced model should be useful in any multi-industry game that includes the banking business.
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Bajaj, Ritu, and Anshu . "A study on Factors affecting Financial performance of Indian Banking Sector." Journal of Business Management and Information Systems 7, no. 2 (December 31, 2020): 9–16. http://dx.doi.org/10.48001/jbmis.2021.0702002.
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In India there are different sectors which play the major role of accelerator in the growth of Indian economy. In this study, the area of focus is financial transactions sector specially banking sector which plays a momentous role in the economic growth by regulating and controlling the demand for and supply of money. The Indian banking sector supports the fastest growing economy of the world but it is grappling with multiple challenges. This research work analyzes the different variables that affect the financial performance of scheduled commercial banks in India and establish the relationship between selected macroeconomic variables and financial performance indicator. It also highlights the role of banking in changing economic scenario of India. The present study is empirical by nature. Descriptive cum exploratory research design has been used in this study. It has been found that GDP, CPI, exchange rate and lending interest rates are significant macroeconomic variables for determining the financial performance of scheduled commercial banks in India. It has been revealed that long term relationship exists between the selected macroeconomic variables and financial performance variables.
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Al Fathan, Ryanda, and Tika Arundina. "Finance-growth nexus: Islamic finance development in Indonesia." International Journal of Islamic and Middle Eastern Finance and Management 12, no. 5 (November 11, 2019): 698–711. http://dx.doi.org/10.1108/imefm-09-2018-0285.
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Purpose There are many studies related to finance-growth nexus, but existing empirical evidences still have not provided conclusive result of the nature and direction of this relationship. Moreover, there are only few studies about finance-growth nexus seen from Islamic finance perspective, especially in Indonesia. Therefore, this study aims to examine the nature of causal relationship between Islamic finance development and economic growth in Indonesia seen from the development of Islamic banking, sukuk market and Islamic stock market. Design/methodology/approach By using quarterly data from 2002Q3 to 2017Q4, this study uses vector autoregressive (VAR) model, then uses granger causality and impulse response function to analyze the causal relationship between Islamic finance development and economic growth and also among three main sub-sectors of Islamic finance. Findings This study found that Islamic banking development and Islamic stock market development support neutrality hypotheses view, while sukuk market development supports supply-leading hypotheses view. Moreover, this study also found that there are unidirectional causalities from sukuk market development to Islamic banking development and from sukuk market development to Islamic stock market development. Research limitations/implications This study focuses only on the development of Islamic finance viewed from a macro perspective and only looks at how the three main sub-sectors in Islamic finance develop. In addition, the results of research related to finance-growth nexus are also sensitive to the object of research, the method and the proxies of variables used. Originality/value To the best of the authors’ knowledge, there is no study that examines the causal relationship between Islamic finance development and economic growth in Indonesia based on its three main sub-sectors simultaneously. So, this study gives empirical evidence to contribute on finance-growth nexus discussion based on three main sub-sectors of Islamic finance development in Indonesia.
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Guha Deb, Soumya, Sibanjan Mishra, and Pradip Banerjee. "Stock market, banking sector and economic growth." Studies in Economics and Finance 36, no. 3 (July 26, 2019): 348–64. http://dx.doi.org/10.1108/sef-02-2017-0046.
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Purpose The purpose of this paper is to examine the causal relationship between economic development and financial sector development for 28 countries at different stages of their development. The authors specifically focus on the nature of causality during economic boom and tranquil cycles. Design/methodology/approach The study uses quarterly time series panels of 17 developed and 11 emerging countries, during 1993Q1-2014Q4 with each having three sub-panels – full sample, a period of the economic uptrend (UP), and period of the economic downtrend. The authors use a univariate analysis for initial screening followed by panel unit root test, panel co-integration and causality test proposed by Toda–Yamamoto to examine the causal relationship. Findings The principal results suggest that for developed economies, there is a causal flow from financial sector to real sector in line with the “supply-leading” hypothesis, whereas for emerging economies, it is from real sector to financial sector, in line with the “demand-following” hypothesis. This overall relationship is strong for both emerging and developed economies during economic boom or UP cycles, but becomes weak during economic downturns or tranquil periods. Originality/value This study is different from previous studies on this issue and contributes to the existing literature in a number of ways. First, the focus of this paper revolves around identification of differential patterns in causal flows between real and financial sectors for different economies, across different economic cycles. Second, to present a robust representation of financial sector, the authors consider both banking sector and stock market parameters as the proxy for financial sector development. Third, the authors address the “stock-flow problem” in the measurement of financial variables a typical criticism of some of the previous studies. Finally, the authors use a rich sample size comprising of about 2,500 quarterly observations for each variable, with about 1,500 observations from developed and 1,000 from emerging economies.
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Vatharkar, Poonam Shripad, and Meenakshi Aggarwal-Gupta. "Relationship between role overload and the work–family interface." South Asian Journal of Business Studies 9, no. 3 (July 14, 2020): 305–21. http://dx.doi.org/10.1108/sajbs-09-2019-0167.
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PurposeThe purpose of this study is to investigate the relationship between role overload (RO) and the work–family interface (work–life conflict and work–life enrichment) among bank employees and the moderating effects of personal life characteristics and commitments on this relationship. It aimed to bring out the importance of contextual factors in individual's interactions across various roles.Design/methodology/approachA structured questionnaire based on validated instruments was designed and administered to 279 employees from the banking sector in India. The instrument was adapted to the local language to ensure ease of comprehension.FindingsRO was positively correlated with both work interference with personal life (WIPL) and personal life interference with work (PLIW), and negatively correlated with work–personal life enrichment (WPLE). Gender, number of children and age of the youngest child significantly moderated the relationship between RO and WIPL.Research limitations/implicationsThis study was limited by the use of self-reported data and its cross-sectional nature. Future studies will need to include a larger sample with people from across the workplace hierarchy.Practical implicationsThis paper provides valuable insight into the influence of personal life characteristics and commitments on RO and the work–family interface.Originality/valueThe banking sector is among the top 10 most stressful workplaces in India due to high work pressure and the threat of competition. These working conditions make it important to understand employee perceptions of RO and its impact on the work–family interface.
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Abdel Hakim, Hisham Talaat, and Shakir Mohsin Saber Alwahili. "Effect of Exchange Rate Risk in the Market Value of Banks Stocks." Iraqi Administrative Sciences Journal 1, no. 3 (September 30, 2017): 145–78. http://dx.doi.org/10.33013/iqasj.v1n3y2017.pp145-178.
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The research aims to study the nature of relationship between the risks of fluctuations in currency exchange rates and fluctuation in the market value of banks stocks of the research sample, In order to prove the hypothesis two indicators were chosen,the indices of exchange rate risk and the market value of common stocks were selected , period of (42) months ,extending from January (2014) until June (2017), was chosen, The research reached anumber of conclusion, but the most important is that the existence of correlation relationship and the affect of statistical significane pevails between the risks of exchange rate fluctuations and the market value of banks stock the sample of the study, Finally, the research recommends that the Iraqi banking departments work to diversify their banking services to the public and not only to their revenues derived from the sale of foreign currency only.
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Murshudli, F. F. "Effect of Foreign Banking Capital on the Financial Innovativeness of the Country: Evidence from Former Soviet Union and Young EU Members Countries." Finance: Theory and Practice 26, no. 4 (September 11, 2022): 181–98. http://dx.doi.org/10.26794/2587-5671-2022-26-4-181-198.
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The main hypothesis of the paper was the assumption that the increase in the level of innovation of the financial sector in the post-Soviet states and young European Union (EU) members with an imperfect banking sector and a protracted financial crisis is accompanied by difficulties accessing financing sources and significantly depends on the volume foreign banking capital. The aim of the study is to identify the correlation between the growth of financial innovativeness of the country and the level of foreign banking capital, using Panel data analysis from 2009 to 2019. Unlike previous studies, it was taken into account that the level of financial innovation of the republics of the former Soviet Union is increasingly dependent on external credit resources, while the innovative development of the EU countries becomes financially independent, and this constitutes the scientific novelty of the research. The results confirm the relationship between foreign banking capital and the growth of financial innovativeness of the country, especially with its low and medium levels. To test his hypothesis, the author presented empirical models with the conditions of interaction with the Financial Innovativeness Index. Based on a comparison of indicators of the financial innovation of the country and foreign banking capital, clusters of countries are distinguished according to the nature and direction of the relationship of the analyzed indicators. The author concludes that the increase in the level of innovation in the financial sector of the countries of the former Soviet Union and young EU members depends on the amount of foreign banking capital and the need to consistently expand the tools for the country’s economic growth by attracting it.
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Mishra, Aditya Shankar. "Exploring COBRAs, its antecedents and consequences in the context of banking brands." International Journal of Bank Marketing 39, no. 5 (May 7, 2021): 900–921. http://dx.doi.org/10.1108/ijbm-11-2020-0553.
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PurposeBrands have started investing heavily in their social media pages. Especially for banks having credence nature, the importance of engaging customers with the brand-related content on their social media pages has become a challenge. The present study explores the role of various characteristics of a brand's social media marketing efforts (SMME) and individual customer's general online social interaction propensity (GOSIP) on the customers' engagement/online brand-related activities (COBRAs). The subsequent effect of COBRAs on key banking outcomes such as satisfaction, trust and loyalty has also been evaluated. The moderating role of the customer–brand relationship length has also been evaluated.Design/methodology/approachA two-stage mixed-method approach was used for the data collection. Two focus group discussions were conducted for the preliminary stage, which resulted in identifying five Indian banking brands as stimuli for further study. For the main study, an online survey link was shared with the members of the stimuli banking brands' social media pages. A total of 552 useable responses were collected. After performing the exploratory factor analysis and common method bias tests, the collected data were analyzed using structural equation modeling and multi-group analysis.FindingsThe results of the present study have added all five characteristics (namely, entertainment, interaction, trendiness, customization and electronic word of mouth) of SMME and GOSIP as the key antecedents of the customers' engagement with brand content on social media pages or COBRAs. COBRAs have been found influencing the customers' satisfaction, but evidence of influence on the trust and loyalty has not been found. The length of the relationship between customers and the banking brand has been observed as an important moderator for the satisfaction–trust–loyalty relationship.Originality/valueThe present study has three unique contributions to the literature. Firstly, the study evaluates the role of customer-brand engagement on the banking brand's favorable outcomes such as satisfaction, trust and loyalty. Secondly, the exploration of the role of various social media marketing activities that can enhance customer–brand engagement. And finally, the study tests the moderating role of the customer–brand length of the relationship on the complete set of marketing activities–engagement–loyalty relationships.
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McKechnie, Sally A., Christine T. Ennew, and Lauren H. Read. "The Nature of the Banking Relationship: A Comparison of the Experiences of Male and Female Small Business Ownersi." International Small Business Journal: Researching Entrepreneurship 16, no. 3 (April 1998): 39–55. http://dx.doi.org/10.1177/0266242698163002.
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Moisescu, Ovidiu-Ioan. "From CSR to Customer Loyalty: An Empirical Investigation in the Retail Banking Industry of a Developing Country." Scientific Annals of Economics and Business 64, no. 3 (October 1, 2017): 307–23. http://dx.doi.org/10.1515/saeb-2017-0020.
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Abstract The objective of the current paper is to investigate the impact of customers’ perceptions of their service providers’ corporate social responsibility (CSR) on customer loyalty, bringing relevant and useful insights regarding the nature of this relationship in the retail banking industry, and in the particular context of a developing country. The objective was accomplished by planning and implementing a consumer survey among a sample of 1449 Romanian retail banking customers, using an item-pool drawn up from the literature. The observed variables were grouped into several reflective latent variables, and afterwards included into a multiple regression model. The results indicate that customers’ loyalty towards retail banking companies is significantly and positively impacted by how customers perceive their providers’ CSR. Moreover, analyzing each category of responsibilities individually, banks’ responsibility towards their customers can be emphasized as being the most important dimension in our research context. The results convey practical implications for customer loyalty enhancement in a European developing country’s retail banking industry, by identifying those CSR dimensions on which organizations should focus on within their CSR policies implementation and communication.
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Coffie, Rosemary Boateng, Kofi Agyenim Boateng, and Frank Coffie. "Achieving Organizational Commitment through HRM Practices: The Ghanaian Banking Sector Experience." International Journal of Business and Management 13, no. 5 (April 19, 2018): 171. http://dx.doi.org/10.5539/ijbm.v13n5p171.
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Organizational Commitment indicates the degree to which HRM practices are able to cultivate emotional connection between firms and employee goals. This study sought to investigate the nature of the relationship between the implementation of HRM practices and organizational commitment in the banking industry in Ghana. Employing the three component model of Allen and Meyer as the underlying theory of organizational commitment, the researchers examined the six HRM practices in five selected commercial banks in Ghana. Adopting the quantitative method of research, a descriptive including a multiple regression analysis was used to analyze the existing relationship between the HRM practices and organizational commitment. Findings from the study revealed that affective and normative forms of commitment were preferred to continuance forms of commitment. Again whilst respondent’s affective and normative commitment included performance based pay, communication and information sharing, training and development and rewards recognition, that of the continuance commitment also included communication, information sharing, recruitment and selection performance appraisal as well as rewards and recognition. The study concludes that there is a positive relationship between the implementation of HRM practices and organizational commitment. A further study is therefore suggested towards the conduct of a qualitative study in all banks in Ghana to consider the applicability of generalizability on the subject matter.
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O. Temile, Sunny, Lucky Izobo Enakirerhi, Ighosewe Enaibre Felix, and Dadang Prasetyo Jatmiko. "RISK MANAGEMENT AND INTERNAL CONTROL SYSTEM OF NIGERIA’S BANKING SECTOR." Humanities & Social Sciences Reviews 7, no. 4 (October 6, 2019): 943–49. http://dx.doi.org/10.18510/hssr.2019.74128.
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Purpose: This study empirically observed the relationship between risk management and the internal control system of the banks in Nigeria.
Methodology: In order to achieve the main objective of this paper, we made use of data from the annual reports of fifteen commercial banks, covering a period of ten years (2007 – 2016). The study is empirical in nature and adopted a cross-sectional research design. Furthermore, the Panel Data Regression estimation technique was employed to estimate the specified model of the study.
Result: The results revealed the existence of a negative and significant relationship between credit risk and internal control. Liquidity risk which was measured using liquidity ratio has a positive and statistically significant relationship with internal control of banks in Nigeria. Based on the findings, the importance of strong and vibrant internal control policies across banks in Nigeria cannot be over-emphasized. This is because the more the internal control put in place, the greater the liquidity for banks to carry out their banking operations. On the other hand, the greater the internal control, the lesser the credit risk.
Applications: This research can be used for the universities, teachers, and students.
Novelty/Originality: Due to the recurring financial distress and eventual liquidation of some banks in Nigeria, this study is very necessary as it stresses the relevance and needs for effective internal control strategies in line with global best practices.
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Sultana, Mehbooba, Ditalak Mpanme, and Jaynal Uddin Ahmed. "Customer Relationship Management Practices and Employee Sensitivities of Private Sector Banks: An Analysis in Indian Context." Business and Economic Research 12, no. 4 (December 13, 2022): 68. http://dx.doi.org/10.5296/ber.v12i4.20426.
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This paper aims to scrutinize bank employees' perspectives on customer relationship management (CRM) practices in the banking sector, particularly private sector commercial banks operating in Goalpara District of Assam, India. The research plan consists of experimental in nature whereby different aspects of CRM in the banking sector have been extracted from the previous literature and tested on a sample size 24 number of employees working in the banks selected taking 3 each from 8 branches. Based on Bank Service Quality (BSQ) scale, variables were selected and analysed with the help of descriptive statistics and ranking analysis of identified parameters was utilized with the help of the Garret ranking technique. The study found that the loan facility and ATM facility along with service variety are found as the major product-related factors; timely services with trustworthy behaviour of the employees and the quality of services along with procedural simplicity and convenience is the most important service-related factors for evolving an effective CRM practice. The employee perceptions on the personal relationship of the bank officials with their customers’ staples in selecting the banks and retaining the customers.
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Solangi, Benazir, Urooj Talpur, Sanober Salman Shaikh, Tania Mushatque, and Muhammad Asif Channa. "Relationship Marketing as an Orientation to Customer Retention: Evidence from Banks of Pakistan." International Business Research 12, no. 7 (June 27, 2019): 133. http://dx.doi.org/10.5539/ibr.v12n7p133.
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This study aims to underpin the relationship marketing as an orientation to customer retention. Further, this study undertakes the case study of banking sector from Sindh province, Pakistan. The reason of conducting this study was to analyze the impact of relationship marketing on customer’s retention in the banking sector. Relationship marketing is getting more attention and popularity around the world and helps in developing customers satisfaction and loyalty. Quantitative research approach was used to measure the response of the sample. A field survey was conducted from customers of 20 banks operating in Larkana. An adopted questionnaire was used with five variables, four independent (Trust, commitment, communication and conflict handling) to predict one dependent variable (Customer retention) at 5-point Likert scale. The response was collected through close-ended questionnaire. The study has found that all the independent variables are positive and significant predictors of dependent variable with a good fit between their reliability and sample size adequacy. The major contribution of this study for the managers of banks particularly in Pakistani context is to take serious efforts to implement CRM effectively for customer retention in challenging marketing landscape due to technological and business extensions. The study has self-report nature so it cannot be generalized in all aspects. Research has left a gap for future research in the same set as well.
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Lubis, Mahmuddin Syah, Isna Asdiani Nasution, Mery Mery, Jenvony Jenvony, Vini Yulia, Vivi Devika, and Vivi Novera. "Pengaruh Perputaran Aktiva, Perputaran Kas, dan Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA) pada Perbankan yang Terdaftar di Bursa Efek Indonesia pada Tahun 2013-2017." Owner 3, no. 2 (August 3, 2019): 307. http://dx.doi.org/10.33395/owner.v3i2.129.
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The aim of this research is to test and analyze the effect of asset turnover, cash turnover and the Loan to Deposit Ratio (LDR) on Returns on Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017. This study uses a quantitative research approach. This type of research is descriptive research. The nature of the research conducted is a causal relationship. The population of this study was 43 banks listed on the Stock Exchange in 2013-2017 with a sample of 23 banks listed on the Indonesian Stock Exchange in 2013-2017 with 5 years of observation so that the observation samples were 115 financial statements of banking companies listed on the Indonesian Stock Exchange in 2013 -2017. The multiple regression method used in this study. The results of this study are asset turnover that has significant and significant effect on Return On Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017. Cash turnover has a significant and significant effect on Return On Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017. The Loan to Deposit Ratio (LDR) has an effect on Return On Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017. Asset turnover, cash turnover and Loan to Deposit Ratio (LDR) have an effect on and significant on Return On Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017.
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Mohammed, Nafisah, Azmafazilah Jauhari, and Nadzirah Mohammed. "CUSTOMERS’ DEPOSIT BEHAVIOUR IN DUAL BANKING INDUSTRY: A MARKET STRUCTURE ANALYSIS." Journal of Nusantara Studies (JONUS) 5, no. 1 (January 30, 2020): 356–77. http://dx.doi.org/10.24200/jonus.vol5iss1pp356-377.
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Background and Purpose: The aim of this paper is to evaluate public acceptance toward Islamic banking system in Malaysia by using the market structure analysis as proposed in industrial organizational studies. The structural approach framework was used to evaluate the nature and changes of market concentration in the Malaysian Islamic and conventional deposit markets.
Methodology: The well-known market concentration measure, namely concentration ratio (CR) is calculated to study the changes in saving behaviour among depositors in both banking markets. The concentration ratios of deposits for both banking markets are evaluated by using the banking firms’ level data for the period 1997–2016. Pearson and Spearman correlation analysis was also used to investigate the relationship between the total deposits and bank-specific variables.
Findings: It is found that interest or profit rate paid to the depositors are the factor that greatly affect the depositors’ choice of banks to save their money. Besides, experience doing businesses is more important to Islamic banks compared to conventional banks in order to attract depositors.
Contributions: The findings demonstrate that societies, especially the Islamic community, are still loyal to conventional banks, which have more experience in the banking operation. The findings of this study are expected to open the eyes of the Muslim community to use Islamic banking services, which are certainly sharia-compliance.
Keywords: Concentration ratio, deposit, dual banking, market structure, perception.
Cite as: Mohammed, N., Jauhari, A., & Mohammed, N. (2020). Customers’ deposit behaviour in dual banking industry: A market structure analysis. Journal of Nusantara Studies, 5(1), 356-377. http://dx.doi.org/10.24200/jonus.vol5iss1pp356-377
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Bilal, Zaroug Osman, Omar Igbal Twafik, and Anaam Khamis Bakhit. "The Influence of Internal Auditing on Effective Corporate Governance in the Banking Sector in Oman." European Scientific Journal, ESJ 14, no. 7 (March 31, 2018): 257. http://dx.doi.org/10.19044/esj.2018.v14n7p257.
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This research aims to examine the influence of internal audit on effective corporate governance in commercial banks listed on Muscat Securities Market (MSM) in Oman. A questionnaire was used to collect data and was distributed to the 100 top senior level officials and internal audit department of the commercial banks. The regression model that was used in this study was five dependent variables: internal audit independence; proficiency and due professional care; nature of work; quality assurance and improvement program; and managing the internal audit activity. The finding of the research establishes a significant positive relationship between internal audit and effective corporate governance. Variables internal audit independence, proficiency and due professional care, and nature of work were significantly associated with corporate governance. For quality assurance and improvement program and managing the internal audit activity, their influence on corporate governance is not statistically significant.
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Dinesh, Dr S., Dr V. Rengarajan, Dr S. T. Surulivel, and Mrs M. Ananthi. "Testing Efficiency Of Indian Stock Market With Reference To Banking And Automobile Industries." Restaurant Business 118, no. 8 (August 23, 2019): 59–72. http://dx.doi.org/10.26643/rb.v118i8.6947.
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This study aims to measure the impact of dividend announcement in Indian stock market and determine the factors which influencing the behaviour of stock market. This study is the nature of empirical research study. Event study has conducted with major industries viz., banking and automobile scripts listed in BSE Sensex. Excess return calculated by using input of CAPM (Capital asset pricing model), average excess return, beta, t-statistics used to determine the significance of event in the Indian stock market. Structural Equation modelling used to measure the relationship within variable and to the determination of efficient market hypothesis. Based on the analysis most of the scripts are having before effect in the market. It means reaction of information in the market place has occurs after reaching the information. Market significantly reacted with the information of dividend. Based on the structural model depicts that excess return and average excess return is the mediating factors determining the efficiency of the market. Hence it is accepted that pour Indian stock market is the nature of semi-strong form of efficiency.
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Chetheer Mezeal, Wafaa. "RELATIONSHIP BETWEEN INTERNAL ENVIRONMENT ANALYSIS AND QUALITY OF BANKING SERVICE APPLIED RESEARCH IN RAFIDAIN AND RASHID BANKS." Humanities & Social Sciences Reviews 8, no. 4 (October 27, 2020): 1556–65. http://dx.doi.org/10.18510/hssr.2020.84143.
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Purpose of the Study: This study aims to improve the level of services provided by business organizations and then achieve the objectives they seek.
Methodology: The questionnaire was adopted to execute the applied part of the examination, which was dispersed to the objective example so as to incorporate and gather the important information, and afterward prepared to utilize strategies and techniques by which to recognize the reactions of people who have taken their perspectives regarding the matter of the exploration, utilizing the program (SPSS). v.17) for factual investigation, where various measurable devices and strategies, for example, rates, emphasess, number juggling midpoints, and connection coefficients were chosen to ascertain the measurable markers identified with every poll.
Main findings: The research found that there is a critical effect of the elements of the interior condition on the nature of banking administration five measurements and this outcome is normal, particularly as the two banks are portrayed by acceptable execution in banking and have extraordinary intensity among different banks.
Applications of this study: Environmental analysis is one of the most important steps of strategic planning, which gives business organizations a clear vision about the amount of change in the factors and variables of the environment in which they live.
Originality/Novelty of the study: In fact, there is no clear and specific definition of what can mean the internal environment of the organization may be due to the difference of business organizations in their internal components in terms of size and nature of the activity, potential, and circumstances, and nevertheless writers and researchers tried to give a general perception of the concept of the internal environment of the organization.
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Ahmad, Emad, Manal Jaber, and Hussein Albanna. "The relationship between job satisfaction and intention to quit a job: mediating factor job burnout." International Journal of Research in Business and Social Science (2147- 4478) 11, no. 9 (December 25, 2022): 45–56. http://dx.doi.org/10.20525/ijrbs.v11i9.2213.
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The study explores the aspects of job satisfaction related to the employee's intention to quit the job in the presence of job fatigue and can help decision-makers and administrators in the Jordanian private banking sector retain highly qualified employees. The current research attempted to investigate the relationship between job satisfaction through its dimensions (satisfaction with pay, satisfaction with promotion, satisfaction with co-workers, satisfaction with emergency bonuses, satisfaction with the nature of the work, satisfaction with communication with the organization), and the intention to quit a job through its dimensions (remuneration, nature of work? Health problems and ineffective driving). The study was conducted on Jordanian commercial banks. The descriptive analytical method was used through a sample selected from the study community represented by (Alhli-Bank, Arab Bank, and Arab Islamic Bank). After conducting the tests, the study concluded that there is a significant correlation between job satisfaction in its dimensions and the intention to quit smoking. The study recommends motivating employees by reviewing wages, promotions, and emergency bonus policies in light of the results.
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Siano, Alfonso, Lukman Raimi, Maria Palazzo, and Mirela Clementina Panait. "Mobile Banking: An Innovative Solution for Increasing Financial Inclusion in Sub-Saharan African Countries: Evidence from Nigeria." Sustainability 12, no. 23 (December 4, 2020): 10130. http://dx.doi.org/10.3390/su122310130.
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Purpose—This research discusses emerging trends in financial inclusion, barriers and factors influencing mobile banking as an innovative solution for increasing financial inclusion in sub-Saharan Africa (SSA) with a specific focus on Nigeria. Design/methodology/approach—Using a qualitative meta-synthesis (QMS), an interpretivist research paradigm, authors provide an analytical tool for understanding the subject of inquiry by integrating findings from previous studies and relevant data from the reports of the Central Bank of Nigeria on emerging trends in financial inclusion. Findings—Three major factors emerged as drivers of mobile banking in Nigeria: (a) the ease of using mobile devices for personal banking transactions including prompt information about users’ financial transactions (savings and withdrawals) immediately through SMS (short message service) alert (easy management of my account); (b) the security/safety concerns of theft and cyber fraud; (c) social influence of friends, relatives, policy makers and social trends. Implications—In contextualizing mobile banking in SSA and in Nigeria in particular, this paper contributes to exploring the growth in the use of mobile banking by linking it with the “value in use” (VIU) perspective. This approach of the service dominant logic involves three sub-constructs (experience, personalization, and relationship), which all validate and support the proposed assertion that mobile banking is adopted by users because of utility expectancy (perceived usefulness), effort expectancy (perceived ease of use), and social influence expectancy (opinions of friends/relatives). Originality/value—This research, although qualitative in nature, validates information technology (IT) adoption theories/perspectives and enriches the “value in use” approach.
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Rahi, Mohamed Ghali, and Sadiq Toma Rahi Faraj. "The Impact of Financial Crisis in Iraq on Iraqi Banking Performance: Analytical Study." Webology 19, no. 1 (January 20, 2022): 2397–413. http://dx.doi.org/10.14704/web/v19i1/web19162.
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Financial crises are factors and indicators reflected in banking performance in general, and it is known that the Iraqi economy is a rent economy with distinction. It is undoubtedly suffering from the financial crises associated with the world oil market, meager prices, as 98% of Iraq's budget revenues depend on oil revenues. This research Aims to Find out the reflection of the financial crises on the Iraqi banking performance (2008-2019). It studied the causes of the financial crisis in Iraq and provoked the financial crisis on the performance of the Iraqi banking system and to know the effects of crises related to fluctuations in oil prices. They are reflected in the budget deficit and indebtedness and reflect the indicators of banking performance represented by bank credit, bank deposits, banking investment. The results show the presence of a Knowledge gap on the interpretation of the nature of the relationship between the variables of the study represented by the independent variable financial crisis and its indicators (oil prices, budget deficit, indebtedness) and variable subordinate banking performance and indicators (bank credit, bank investment, bank deposits). So we should pay attention to indicators of the financial crisis and study the causes of crises that can protect the banking system from falling into crises and financial problems to improve services provided to customers and thus improve banking performance. Show Search results that Effect Indicators of the financial crisis in Iraq (public debt' oil revenues) was significant on bank credit while not proving the significance of the budget deficit on bank credit. Also, Results show moan Effect Crisis indicators (public debt, budget deficit) significantly impact banking investment. However, the significance of oil revenues on banking investment has not been proven. The results also show the effects of the indicators of the oil revenue crisis were significant on bank deposits. At the same time, the significance of the crisis indicators has not been proven Budget deficit, indebtedness on bank deposits.
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Subaidi, Subaidi. "Peran dan Fungsi Perbankan Syariah Perspektif Sosio-Kultur." Istidlal: Jurnal Ekonomi dan Hukum Islam 2, no. 2 (October 2, 2018): 110–19. http://dx.doi.org/10.35316/istidlal.v2i2.111.
Full textAbstract:
In the context of urban economic community of Indonesia, several terms, such as paroan, prapatan, dan pertelon are quite popular. Such terminology has influence economic activities which have become tradition that support profit sharing principles which are practiced by Sharia banking. Such profit sharing practices basically aims creating justice and provide balances for economic users and their environments. Furthermore, profit sharing practices show partnership relation among enterprise practitioners; more than just the relationship between superiors and subordinators. These kinds of spirits not only end in profit orientedd but also establish human based on relationship which aims at helping and caring either. Dealing with the nature of the sprit above, Sharia economic practitioners should have energized and inspired, abled to realize them in more reality, and was synergic economic relationship. However, one important thing that they usually forget to develop business institution is lack of understanding toward the culture of the society local culture and wisdom of the society is one of the significant factors required in designing, harmonizing, and, developing business. This implies that a where they built business, including Sharia banking. Understanding toward business institution should not aim at corporate oriented only. In fact, it should have relations of socio-culture and corporate social responsibility.
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Kong, Linghui, Muhammad Safdar Sial, Naveed Ahmad, Mariana Sehleanu, Zhihui Li, Malik Zia-Ud-Din, and Daniel Badulescu. "CSR as a Potential Motivator to Shape Employees’ View towards Nature for a Sustainable Workplace Environment." Sustainability 13, no. 3 (February 1, 2021): 1499. http://dx.doi.org/10.3390/su13031499.
Full textAbstract:
Prior studies in the contemporary literature have largely ignored the important role of corporate social responsibility (CSR) in shaping employees’ views of self and nature. Although researchers have recently started to pay considerable attention to explore the link between CSR and environmental sustainability, determining how CSR can be effective in shaping the proenvironmental behavior of employees that is missing in the existing literature. The objective of the present research study is to test the impact of microlevel CSR activities to induce environmental performance of an organization with a mediating effect of employees’ pro-environmental behaviors. This study argues that CSR activities of an organization motivate the workers to rethink the relationship between self and nature; hence, they are encouraged to participate in activities that are helpful in terms of preserving the environment, such as participating in pro-environmental activities at the workplace. The proposed model of the study was tested in the banking sector of Pakistan and analyzed by using the structural equation modeling (SEM) technique in AMOS software. The results revealed that microlevel CSR activities, using employee proenvironmental behaviors as a mediator, directly and indirectly influence environmental performance of a bank. The results of the present study are helpful for policymakers of different banking institutions to understand how they can reduce the environmental footprint of their bank by using a well-planned CSR program that can induce transcendent emotions in employees to create a sustainable environment.
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Bayyoud, Mohammed, and Nermeen Sayyad. "The Relationship between Credit Risk Management and Profitability between Investment and Commercial Banks in Palestine." International Journal of Economics and Finance 7, no. 11 (October 27, 2015): 163. http://dx.doi.org/10.5539/ijef.v7n11p163.
Full textAbstract:
<p>Credit risk management is one of the vital aspects of the financial institutions regardless of their nature. For a more comprehensive analysis of Palestine banking sector, investment and commercial banks both were chosen for assessing the relationship between credit risk management and profitability. Explanatory design of study helped in assessing the casual effect relationship between the research variables. The regression model was used for gathering quantitative findings while structured interview from bank managers was selected for gathering qualitative data. The findings of the regression model in the current study confirmed that there is no consequence of credit risk on profitability of commercial and investment banks of Palestine. Additionally, it was also found that there is no difference between the Palestinian commercial and investment banks concerning the relationship.</p>