scholarly journals Impact of Liquidity on Rural and Community Banks Profitability in The Eastern Region of Ghana

2021 ◽  
Vol 1 (3) ◽  
pp. 129-148
Author(s):  
Osumanu Alhassan ◽  
Oscar Opoku Agyemang Opoku
Keyword(s):  
Secondary Data ◽  
Easy Access ◽  
Eastern Region ◽  
Community Banks ◽  
Loan Portfolio ◽  
Explanatory Variables ◽  
Financial Climate ◽  
Information And Communication ◽  
The Impact

Despite the major role played by rural and community banks in economic development and in the financial climate, their performance over a decade now have not been up to expectations. They continue to experience huge challenges due to innovations in technology as well as globalization which create opportunities for growth. The study was to examine the impact of liquidity on rural and community banks in the Eastern Region of Ghana selected from eleven (11) banks for the period of ten years from 2007 – 2016. The study used panel data and secondary data to collate the ratios from all the selected rural and community banks. A regression model was developed with Return on Asset as the dependent variable accompanied with other six explanatory variables. It was revealed that quality of loan portfolio ratio; capital ratio and loan to total assets had significant and positive relationship with profitability. It was also revealed that shocks in all the liquidity variables had one or other implications on profitability. Finally, based on finding seven, which states that cost to income has negative and significant effect on profitability, the study recommended that management must adopt information and communication technology to reduce cost and easy access to banks’ product in the form of Automated Teller Machine.  

scholarly journals The Impact of Information and Communication Technologies (ICT) on Energy Poverty and Unemployment in Selected European Union Countries

Energies ◽  
2021 ◽  
Vol 14 (19) ◽  
pp. 6110
Author(s):  
Marta Postuła ◽  
Wojciech Chmielewski ◽  
Piotr Puczyński ◽  
Rafał Cieślik
Keyword(s):  
Labour Market ◽  
Information And Communication Technologies ◽  
Secondary Data ◽  
Communication Technologies ◽  
Point Of View ◽  
Energy Poverty ◽  
Eu Member States ◽  
Information And Communication ◽  
The Impact

The accelerated development of information and communication technologies (ICT) over the last three decades has encouraged researchers to analyse the impact of this phenomenon on the labour market. The potential decline in employment resulting from the proliferation of ICT may reduce access to basic energy services and even lead to energy poverty in the form of inability to heat the apartment as needed, allocating a significant part of revenues to expenses related to heating or problems with the timely payment of energy bills. Because access to energy is of fundamental importance for improving the quality of life and is crucial from the point of view of economic development, it is justified to verify the hypothesis that the accelerated development of ICT in EU countries may contribute to an increase in unemployment and, consequently, translate into a higher level of energy poverty. The described research results were obtained thanks to a comparative factor analysis based on secondary data. The analysis showed that in the period 2009–2019, the use of ICT had a limited impact on the unemployment rate in the EU and had a significant impact on reducing the level of energy poverty in EU Member States. As regards the impact of ICT factors on the level of energy poverty, only IP traffic showed a significant impact in this area. When it comes to the labour market, it was found that employment is chiefly influenced by economic factors such as labour costs.

scholarly journals Determinants of Bank Value: Evidence from Nepalese Commercial Banks

2021 ◽  
Vol 6 (1) ◽  
pp. 29-38
Author(s):  
Madhusudan Gautam
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Easy Access ◽  
Return On Assets ◽  
Loan Portfolio ◽  
Explanatory Variables ◽  
Panel Data Regression ◽  
Data Regression ◽  
The Impact ◽  
Positive Effect

Commercial banks have a pivotal role in an economy as they provide easy access for firms to fulfill financing needs and help stimulate economic development. This study aims to analyze the impact of key bank-specific determinants on bank value in Nepalese commercial banks, covering 133 observations from 19 commercial banks over the period 2012/13 to 2018/19. Bank value is measured through M/B and Tobin’s Q. Size, profitability, credit risk, loan, deposit and capital are used as explanatory variables. Panel data regression models have been used for analysis purpose. The results of this paper show that profitability, deposit and loans are major determinants of bank value. Moreover, return on assets and bank deposit have positive effect on bank value whereas loan has negative explaining power on bank value. Thus, this paper concludes that Nepalese commercial banks have to pay special attention for the efficient and effective utilization of assets to increase profits and try to increase the size of deposits to increase loan portfolio. Steps and enforcement actions need to be taken by policy level authorities for effective loan management to minimize credit risk and increase bank value.

scholarly journals Does Mobile Phone Penetration Affect Divorce Rate? Evidence from China

2018 ◽  
Vol 10 (10) ◽  
pp. 3701 ◽  
Author(s):  
Jiaping Zhang ◽  
Mingwang Cheng ◽  
Xinyu Wei ◽  
Xiaomei Gong
Keyword(s):  
Mobile Phone ◽  
Eastern China ◽  
Divorce Rate ◽  
Central China ◽  
Western China ◽  
Explanatory Variables ◽  
Information And Communication ◽  
Lag Times ◽  
One Year ◽  
The Impact

Marital happiness is an important symbol of social harmony and can help promote sustainable economic and social development. In recent years, the rapid rise of the divorce rate in China, a country where the divorce rate had previously been low, has attracted wide attention. However, few articles have focused on the popularization of information and communication technology's impact on China’s rising divorce rate in recent years. As a first attempt, the provincial panel data during the period 2001–2016 is applied to study quantitatively the relationship between mobile phone penetration and the divorce rate. In order to get more reliable estimation results, this paper uses two indicators to measure the divorce rate, and quantile regression is applied for further analysis. Additionally, one-year to five-year lag times of the mobile phone penetration are used as the core explanatory variables in order to analyse the lagging effect of mobile phone penetration on divorce rate. The result shows that the correlation between the mobile phone penetration and the divorce rate was statistically positive significant in China during the period 2001–2016. Furthermore, the paper also finds that mobile phone penetration had the greatest impact on divorce rate in central China, followed by eastern China, but it was not obvious in western China during this period. From a technological perspective, this paper provides some possible explanations for the rising divorce rate in China in recent years, and further enriches the relevant research on the impact of the development of information and communication technology on societal changes.

scholarly journals Impact of Information and Communication Technology on Service Quality of Banking Sector: A Comparative Study of Private and Public Sector Banks in Gwalior and Chambal Region

2017 ◽  
Vol 7 (1) ◽  
pp. 20
Author(s):  
Anil Vashisht
Keyword(s):  
Service Quality ◽  
Banking Sector ◽  
Banking Services ◽  
Public Sector Banks ◽  
Effective Implementation ◽  
Private And Public ◽  
Information And Communication ◽  
The Impact ◽  
Adoption Pattern

<div><p><em>This paper studies the impact of IT in the service quality of banking sector. The purpose of the intended research involves determining bank adoption pattern of electronic media, factors constituting drivers and inhibitors for bank adoption, dimensionality of e-banking services quality as affected by IT, and customer adoption of such services. The study has also highlighted the determinants of service quality are directly influenced by IT and to explore what are the enabling and retarding factors for effective implementation and upsurge of IT system in banks.</em></p></div>

scholarly journals The impact of globalization on Workers: an Analysis of Nigerian Public Service

2018 ◽  
Vol 7 (3.30) ◽  
pp. 480
Author(s):  
Aminu Mohammed Lawan ◽  
Razlini Mohd Ramli
Keyword(s):  
Information And Communication Technology ◽  
Communication Technology ◽  
Public Service ◽  
Secondary Data ◽  
The Public ◽  
Public Corporations ◽  
Public Servant ◽  
Information And Communication ◽  
The Right ◽  
The Impact

Globalization is the increasing interaction of peoples, states or countries through the growth of the global trade, international flow of capital, ideas and culture. The paper discusses how privatization of public corporations and invention of information and communication technology (ICT) lead to the retrenchment and casualization of public servant. The aim of this study is to examines the impact of globalization on the public servant in Nigeria. The methodology involves the use of secondary data, through a systematic literature review which entails the document analysis of related matters. The findings reveal that globalization infringes on the right of a public servant by making them vulnerable without job security. The paper concludes that government must stop unfair labor practice such as retrenchment and casualization of workers, and improve good working conditions to make public servant more productive. 

scholarly journals Impact of low vision services on the quality of life of low vision patients in Ghana

2016 ◽  
Vol 75 (1) ◽  
Author(s):  
Godwin O. Ovenseri-Ogbomo ◽  
Harriette Osafo-Agyei ◽  
Ralph E.U. Akpalaba ◽  
James Addy ◽  
Elizabeth O. Ovenseri
Keyword(s):  
Quality Of Life ◽  
Visual Acuity ◽  
Positive Impact ◽  
Low Vision ◽  
Care Quality ◽  
Eastern Region ◽  
Post Intervention ◽  
Low Vision Clinic ◽  
The Impact

Patients’ perspectives on the impact of clinical interventions have been recognised as critical elements in patient care. Quality-of-life instruments are designed to measure these perspectives. We used the National Eye Institute’s 25-item Visual Function Questionnaire (NEI VFQ) to measure the impact of optical low vision devices on the quality of life of 22 low vision patients who obtained and were using low vision devices from a secondary low vision clinic in the Eastern Region, Ghana. The study employed a pre- and post-intervention technique. We found statistically significant improvements in measured visual acuity and NEI VFQ scores in 8 of the 10 domains evaluated. We conclude that optical low vision devices have a positive impact on the quality of life of low vision patients in Ghana.Keywords: low vision; quality of life; visual acuity; visual impairment; Ghana

scholarly journals The Importance of Online Shopping Behavior in the Strategic Management of E-Commerce Competitiveness

2020 ◽  
Vol 12 (4) ◽  
pp. 143-160
Author(s):  
Veronika Svatosova
Keyword(s):  
Strategic Management ◽  
Online Shopping ◽  
Secondary Data ◽  
Shopping Behavior ◽  
Management Process ◽  
Main Research ◽  
Online Shopping Behavior ◽  
The Impact ◽  
Strategic Management Process

In this article a total of fifteen determinants of online shopping behavior have been identified that could have an impact on the strategic management process in e-commerce competitiveness. The main objective of the paper is to evaluate the impact of determinants of online shopping behavior on the strategic management process in e-commerce. The main research methods used in the research are as follows: analysis of secondary data, a questionnaire survey among a selected group of e-commerce companies, a critical analysis and a quality comparison of the actually applied determinants of online shopping behavior. The verification of hypotheses is realized using selected methods of statistical induction and descriptive statistics. In summary, the research has shown there is no relationship between evaluating the quality of determinants companies in e-commerce and evaluating the importance of determinants of online shopping behavior. Determinants have an important impact in the process of creating and realizing an e-commerce strategy, with all e-commerce companies regardless of their size being aware of their practical impact and importance. It can be concluded the importance and quality of determinants of online shopping behavior correspond to the type of strategy and strategic management process in terms of e-commerce competitiveness.

scholarly journals Firm Structural Characteristics and Financial Reporting Quality of Listed Deposit Money Banks in Nigeria

2015 ◽  
Vol 9 (1) ◽  
pp. 106 ◽  
Author(s):  
Olumide A. Olowokure ◽  
Muhammad Tanko ◽  
Terzungwe Nyor
Keyword(s):  
Financial Reporting ◽  
Structural Characteristics ◽  
Emerging Market ◽  
Secondary Data ◽  
Reporting Quality ◽  
Financial Reporting Quality ◽  
Loan Loss ◽  
Loan Loss Provisions ◽  
The Impact

<p>The quality of financial report is very crucial as published financial reports remains, for the most part, the only means by which outside shareholders and investors keep themselves informed about the performance of the firm. In the present economic scenario, this concern for financial reporting quality becomes more acute as emerging market economies and more importantly mono economies like Nigeria face greater uncertainties as they combat the challenges of unprecedented fall in oil prices. In addition to this, the suspension of the CEO, Chairman and two other directors of Stambic IBTC bank by the Financial Reporting Council of Nigeria for filling a misleading financial statement for 2013 and 2014 has also shown that the issue of financial reporting quality cannot be overemphasized. Using secondary data from the published reports of thirteen listed deposit money banks in Nigeria for over a period of ten years between 2005 and 2014, this paper seeks to find the determinants of financial reporting quality and reports the findings of the impact of structural characteristics like age, size and level of leverage on financial reporting quality. Using prio studies as a guide, we developed a model for loan loss provisions and generated the residuals, using these residuals know as abnormal loan loss provisions as the dependent variable for the multiple regression analysis, the study did not find any evidence of significant relationship between firm age, size, leverage and financial reporting quality.</p>

The Impact of Agricultural Environmental Pollutions on the Population’s Quality of Life. The Experience of Kazakhstan

2019 ◽  
Vol 10 (1) ◽  
pp. 161
Author(s):  
Bagila MUSTAFAYEVA ◽  
Saule KALTAYEVA ◽  
Ainura SAPAROVA ◽  
Elvira ALIMKULOVA ◽  
Meruert KULBAYEVA
Keyword(s):  
Quality Of Life ◽  
Structural Changes ◽  
Secondary Data ◽  
Sociological Research ◽  
Main Research ◽  
Production Development ◽  
The Republic ◽  
The Impact ◽  
Statistical Indicators

The purpose of the present study is analyzing the trends of agricultural pollutions and their impact on the health of the population of the Republic of Kazakhstan. The main research methods include a bibliographic review of the literature on the research subject, as well as qualitative and quantitative analysis of statistical indicators of agricultural production development, and the dynamics of agroecological indicators of the Republic of Kazakhstan. To assess the impact of agricultural changes on the quality of life associated with the health of the population, the analysis of secondary data of sociological research conducted by the Environmental Fund of Kazakhstan was carried out. The results of the study show that since 1999 the agriculture of the Republic of Kazakhstan has undergone structural changes which are characterized by active mechanization, intensification, and specialization. At the same time, the widespread use of fertilizers and pesticides, as well as irrigation, the growth of pollution from livestock, and the employment of heavy machinery have adverse effects on water and soil.

scholarly journals The Impact of the Reliability of Teleinformation Systems on the Quality of Transmitted Information

2016 ◽  
Vol 39 (1) ◽  
pp. 5-20 ◽  
Author(s):  
Marek Stawowy ◽  
Zbigniew Kasprzyk ◽  
Andrzej Szmigiel
Keyword(s):  
Hybrid Method ◽  
Communication Systems ◽  
Mathematical Theory ◽  
Information Quality ◽  
Serial Links ◽  
Modeling Uncertainty ◽  
Information And Communication ◽  
Theory Of Evidence ◽  
The Impact

Abstract The work describes the impact the reliability of the information quality IQ for information and communication systems. One of the components of IQ is the reliability properties such as relativity, accuracy, timeliness, completeness, consistency, adequacy, accessibility, credibility, congruence. Each of these components of IQ is independent and to properly estimate the value of IQ, use one of the methods of modeling uncertainty. In this article, we used a hybrid method that has been developed jointly by one of the authors. This method is based on the mathematical theory of evidence know as Dempstera-Shafera (DS) theory and serial links of dependent hybrid named IQ (hyb).

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