scholarly journals Factors affecting Gumhoria Bank’s profitability. Empirical evidence from biggest commercial bank in Libya

2013 ◽  
Vol 61 (7) ◽  
pp. 1941-1949
Author(s):  
Atiya Aljbiri
Keyword(s):  
Commercial Bank ◽  
External Factors ◽  
Capital Adequacy ◽  
Positive Relation ◽  
Return On Equity ◽  
Factors Affecting ◽  
Correlation And Regression Analysis ◽  
Portfolio Composition ◽  
Time Period ◽  
Internal And External Factors

The main purpose of this paper is to examine the factors affecting the profitability of (Gumhouria) bank in Libya, over the time period from 2000 to 2010. Return on equity (ROE) is used as profitability measures to determine the affect of internal and external factors on profitability. The descriptive, correlation and regression analysis results are derived with the help of SPSS. The results show that all factors (Portfolio Composition, Capital Adequacy, Deposits, Size, GDP, CPI), establish positive relation with profitability as measured by (ROE) in different significance.

scholarly journals Risks Of Sharia Commercial Bank In Indonesia: Analysis Of Internal And External Factors

2019 ◽  
Vol 1 (1) ◽  
pp. 81-94
Author(s):  
Erlinda Kurnia Aufa ◽  
Cita Sary Dja'akum
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Fixed Effects ◽  
External Factors ◽  
Capital Adequacy ◽  
Research Approach ◽  
Fixed Effects Model ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Internal And External Factors

Purpose - This study aims to analyze the effect of inflation, gross domestic product (GDP), capital adequacy ratio (CAR), and financing to deposit ratio (FDR) to non performing financing (NPF) at Islamic Commercial Banks in Indonesia.Method - The research approach used is a quantitative approach. Determination of samples is done by purposive sampling method. The data used is secondary data, obtained from publication reports on the official website of each Sharia Commercial Bank, Bank Indonesia, and the Central Statistics Agency. The population in this study were all Islamic Commercial Banks registered in the Statistics of Islamic Banking in Indonesia for the period 2013-2017. Based on the specified criteria, five Sharia Commercial Banks were obtained as research samples. This study uses panel data regression analysis with the Fixed Effects Model approach which is processed through the Eviews 10 program.Result - The results of hypothesis testing show that partially Inflation has a positive but not significant effect on NPF, GDP has a significant negative effect on NPF, CAR has a negative but not significant effect on NPF, and FDR has a significant negative effect on NPF. Simultaneously inflation, GDP, CAR, and FDR have a significant effect on NPF.Implication - This study uses all data from commercial Islamic bank.Originality - This study analyzes the determining factors that influence financing risks from both internal and external factors.

scholarly journals Risks Of Sharia Commercial Bank In Indonesia: Analysis Of Internal And External Factors

2019 ◽  
Vol 1 (1) ◽  
pp. 81
Author(s):  
Erlinda Kurnia Aufa ◽  
Cita Sary Dja'akum
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Fixed Effects ◽  
External Factors ◽  
Capital Adequacy ◽  
Research Approach ◽  
Fixed Effects Model ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Internal And External Factors

<p class="IABSSS"><strong>Purpose</strong> - This study aims to analyze the effect of inflation, gross domestic product (GDP), capital adequacy ratio (CAR), and financing to deposit ratio (FDR) to non performing financing (NPF) at Islamic Commercial Banks in Indonesia.</p><p class="IABSSS"><strong>Method</strong><strong> </strong>- The research approach used is a quantitative approach. Determination of samples is done by purposive sampling method. The data used is secondary data, obtained from publication reports on the official website of each Sharia Commercial Bank, Bank Indonesia, and the Central Statistics Agency. The population in this study were all Islamic Commercial Banks registered in the Statistics of Islamic Banking in Indonesia for the period 2013-2017. Based on the specified criteria, five Sharia Commercial Banks were obtained as research samples. This study uses panel data regression analysis with the Fixed Effects Model approach which is processed through the Eviews 10 program.</p><p class="IABSSS"><strong>Result</strong><strong> </strong>- The results of hypothesis testing show that partially Inflation has a positive but not significant effect on NPF, GDP has a significant negative effect on NPF, CAR has a negative but not significant effect on NPF, and FDR has a significant negative effect on NPF. Simultaneously inflation, GDP, CAR, and FDR have a significant effect on NPF.</p><p class="IABSSS"><strong>Implication</strong> - This study uses all data from commercial Islamic bank.</p><strong>Originality</strong> - This study analyzes the determining factors that influence financing risks from both internal and external factors.

scholarly journals Influential Factors Responsible for Profitability: A Technical Study on Commercial Banks in Bangladesh

2019 ◽  
Vol 4 (2) ◽  
pp. 22-28
Author(s):  
S. M. Akber
Keyword(s):  
Commercial Banks ◽  
Influential Factors ◽  
External Factors ◽  
Capital Adequacy ◽  
Key Factors ◽  
Internal Factors ◽  
Return On Equity ◽  
Investment Control ◽  
Asset Quality ◽  
Internal And External Factors

This paper explores how many internal and external factors from 2007-2017 affect the competitiveness of commercial banks in Bangladesh. Many bank-specific variables are used to achieve the goals as internal factors, and macroeconomic variables are used as external factors. A sample of seven commercial banks will be used for this purpose. Return on equity is used as a proxy for profitability and capital adequacy, the size of asset quality banks, investment control, liquidity, resource structure, and economic indicators are used as proxies for the independent variable. The paper's overview findings show that asset structure, capital adequacy, and asset quality are the key factors in Bangladesh's profitability for the commercial bank. The paper's outcome indicates that if commercial banks are more worried about these factors, they could produce a better return on the competitive market.

Analisis Partisipasi Petani dalam Asuransi Pertanian

2019 ◽  
Vol 2 (6) ◽  
pp. 793
Author(s):  
Mega Nabilla Ardiana ◽  
Ivanovich Agusta
Keyword(s):  
Program Implementation ◽  
Education Level ◽  
External Factors ◽  
Primary Data ◽  
Agricultural Insurance ◽  
Factors Affecting ◽  
Participation Level ◽  
Regression Test ◽  
Internal And External Factors ◽  
Program Data

Farmers participation is crucial for succeeding in the implementation of agricultural insurance in Indonesia. The purposes of this research are analyzing farmers' form and level of participation and also identifying some factors affecting farmer’s participation in agricultural insurance. The research was conducted in Curug Bitung Village, District of Nanggung, Bogor Regency involving 40 respondents. Primary data includes farmers characteristics, farmers participation form and farmers participation level as program beneficiaries. The data were processed using multivariable linear regression test. The results showed that the intensity of communication, age, education level, income level and length of stay did not significantly affect the participation level of farmers whose majority were at the level of no participation. Non-compliance occurs during program implementation. The form of participation shown by farmers in the program is varied.Keywords:  agricultural insurance, internal and external factors, farmers' participation ABSTRAK Partisipasi petani menjadi hal yang penting dalam rangka menyukseskan penerapan asuransi pertanian di Indonesia. Tujuan penelitian ini adalah menganalisis bentuk dan tingkat partisipasi petani dalam asuransi pertanian serta mengidentifikasi faktor-faktor yang memengaruhi partisipasi petani dalam program asuransi pertanian. Penelitian dilakukan di Desa Curug Bitung, Kecamatan Nanggung, Kabupaten Bogor dengan melibatkan 40 responden. Data primer meliputi karakteristik petani, bentuk partisipasi petani dan tingkat partisipasi petani penerima program. Data diolah menggunakan uji regresi linier multivariable. Hasil penelitian menunjukkan intensitas komunikasi, usia, tingkat pendidikan, tingkat pendapatan dan lama tinggal tidak berpengaruh secara signifikan terhadap tingkat partisipasi petani yang  mayoritas berada pada tingkatan tidak ada partisipasi. Ketidaksesuaian banyak terjadi selama penyelenggaraan program. Adapun bentuk partisipasi yang ditunjukkan petani dalam program bervariasi.Kata kunci: asuransi pertanian, faktor internal-eksternal, partisipasi petani

Factors affecting behavioural disturbances in race-horses

1998 ◽  
Vol 66 (2) ◽  
pp. 475-481 ◽  
Author(s):  
I. Redbo ◽  
P. Redbo-Torstensson ◽  
F. O. Ödberg ◽  
A. Hedendahl ◽  
J. Holm
Keyword(s):  
External Factors ◽  
Small Field ◽  
Positive Relation ◽  
Main Study ◽  
Social Contacts ◽  
Factors Affecting ◽  
Negative Relation ◽  
Stereotyped Behaviours ◽  
Race Horses ◽  
And Training

AbstractThe aim of the present study was to identify relations between stereotyped behaviours (cribbing, weaving and box-walking) and wood-chewing in thoroughbred flat-racing horses (TB) and standardbred trotters and the different management, feeding and training factors to which these horses are exposed. This was obtained by inquiries to all the professional trainers of TB and trottinghorses used for racing in Sweden. The usable response rates were 61% for trotters and 72% for TB representing 4597 trotters from 234 stables and 644 TB from 38 stables. A small field study was carried out to control the validity of the main study which gave results similar to those in the main study. There was a large difference between the two horse categories in the occurrence of behavioural disturbances. The TB had significantly more stereotypies than the trotters (P < 0·001) but there were no differences in the occurrence of wood-chewing. There were several differences in external factors between the horse categories, e.g. trotters had more opportunities for social contacts with other horses, they also had more free time outside the stable and they were trained a shorter time per week than the TB. The TB were given larger amounts of concentrate than the trotters. Wood-chewing within each horse category was explained by the amount of roughage (P < 0·05 in trotters and P < 0·001 in TB) together with other factors. Stereotypies in the TB were explained by: amount of concentrate (positive relation), number of horses per trainer (positive relation) and amount of roughage (negative relation).

Internal and External Factors Affecting the Sales of Hype Drinks in Online Platform

2021 ◽  
Vol 8 (1) ◽  
pp. 89
Author(s):  
Fauzan Febrian ◽  
Nazmi Fathnur Ahmad
Keyword(s):  
Mixed Method ◽  
Business Strategy ◽  
Swot Analysis ◽  
Adaptation Strategy ◽  
External Factors ◽  
Factors Affecting ◽  
Online Platform ◽  
Online Sales ◽  
Online Platforms ◽  
Internal And External Factors

The Covid-19 Pandemic has hurt the beverage outlets' sales. This study investigates the strength of the internal and external factors that influenced sales in the online platforms of hype drinks. Thus, the study focused on the adaptation strategy to improve the sales in the online platform of hype drinks under environmentally-health pressures. The approach was mixed-method by obtaining the data through questionnaires, interviews, and observation. The participant in this study was consumer, employee, and owner.  Data analysis is conducted under the SWOT analysis that has four steps in presenting the data. The finding concluded that internal and external factors positively impacted the business strategy to increase online sales of beverage outlets by riding the wave of hype among customers.

scholarly journals Development of the Russian tourism industry during the pandemic: an innovative approach

2021 ◽  
Vol 291 ◽  
pp. 05043
Author(s):  
Elena Oklirimeiiko ◽  
Sergey Chernov
Keyword(s):  
Tourism Industry ◽  
External Factors ◽  
Innovative Approach ◽  
Negative Effects ◽  
Factors Affecting ◽  
Travel And Tourism ◽  
Domestic Tourism ◽  
Event Tourism ◽  
Internal And External Factors ◽  
Tourism Services

The article deals with internal and external factors affecting the tourism industry in Russia as well as the ways of its promotion and development. The authors analyze decrease in sales in the tourism industry at the present period; the situation with provision of tourism services during the pandemic is identified and justified; the negative effects of the crisis are revealed. The authors also point out and present positive factors, which stimulate travel and tourism, including hotel business, catering, as well as resort business; the possibility of finding new ways to promote tourism industry is justified. The authors also analyze the main measures of tourism industry’s state support. The article considers dominant areas affecting the development of domestic tourism. The authors assess main aspects contributing to the development of event tourism. Conditions for the development of sports and event tourism are investigated and discussed; special features of tourism industry stimulation during the pandemic are presented. The authors consider and justify the possibility of restoring the tourist market.

Analysis and modeling of regional electric power consumption subject to influence of external factors

2021 ◽  
Vol 3 ◽  
pp. 12-17
Author(s):  
Sergey Karpenko ◽  
Nadezhda Karpenko
Keyword(s):  
Time Series ◽  
Power Consumption ◽  
Electric Power ◽  
Multiplicative Model ◽  
External Factors ◽  
Electric Power Consumption ◽  
Climate Factors ◽  
Factors Affecting ◽  
Correlation And Regression Analysis ◽  
Forecasting Methods

Electric power consumption along with a large variety of factors affecting it can be forecasted and modelled by using econometric forecasting methods, including time series and correlation and regression analysis. For the purpose of this research, electric power consumption in the Moscow Region, Russia, was modelled with consideration of economic and climate factors based on 2019–2020 power usage data. A multiplicative model for regional electric power consumption and correlations between electric power consumption and an air temperature as well as a total number of cloudy days a month were built. The results will be helpful for analyzing and forecasting of processes involved in power consumption.

The Influence of Retailer Choices on Consumer Behaviors and Sales Productivity

2019 ◽  
pp. 133-151
Author(s):  
Giuseppe Russo ◽  
Maja Bozic ◽  
Ylenia Cavacece ◽  
Giuseppe Granata
Keyword(s):  
External Factors ◽  
Shopping Centers ◽  
Consumer Behaviors ◽  
Factors Affecting ◽  
Classification And Regression ◽  
Internal And External Factors ◽  
Retail Formats ◽  
Relevant Factors ◽  
Developing Strategies

The aim of this chapter is to analyze the most relevant factors affecting retailers by investigating the relationships between store type, assortment level, customers' purchases, and sales productivity. Analyzing the dataset of the German retailer Rossmann through classification and regression tools, this work investigates what store type customers visit more often, what kind of assortment they prefer, and how sales profitability is affected by internal and external factors. Results show a tendency from customers to shop in smaller neighborhood markets rather than in the large shopping centers with extensive assortments, determining an increase in sales productivity in smaller size stores. Results suggest managers developing strategies for creating multiple retail formats in order to meet the diverse customers' tendencies in the today's market.

Talent development in Chinese and Swiss music students

2017 ◽  
Vol 36 (2) ◽  
pp. 230-243
Author(s):  
Suse Petersen
Keyword(s):  
Music Education ◽  
Talent Development ◽  
External Factors ◽  
Music Students ◽  
Childhood And Adolescence ◽  
Factors Affecting ◽  
Chinese Music ◽  
Starting Point ◽  
Internal And External Factors

Musical talent development and the factors that influence it—such as family or peers—have been widely researched, especially in a Western setting. Despite the growing body of research in non-Western cultures and regions, there is still a lack of research comparing the factors and perceptions of musical talent development between Western and Asian settings. This interview study compared Swiss and Chinese music students’ ( N = 19) musical talent development and the factors influencing musical talent during childhood and adolescence, their professional aims, and their perception of internal and external factors affecting talent development. The students had similar opinions regarding the role of their teachers, the roles of internal and external factors in talent development, and their career goals. However, the students from China and Switzerland differed in their experiences of making and discussing music with peers, in the difficulties experienced during their music education, and in their relationship with their families. The results are a starting point for further comparative research on the perception and development of musical talent, and offer material for a mutual understanding of music students’ backgrounds in countries with differing music education traditions.

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