scholarly journals Effect of Internet Banking On the Performance of First Bank Nigeria Plc Abuja

2019 ◽  
Vol 6 (8) ◽  
pp. 5559-5564
Author(s):  
AKYUZ Murat, PhD ◽  
OPUSUNJU, Michael Isaac (PhD)
Keyword(s):  
Financial Performance ◽  
Survey Research ◽  
Primary Source ◽  
Internet Banking ◽  
Least Square ◽  
Operational Performance ◽  
Time Data ◽  
Ordinary Least Square ◽  
Ict Competence ◽  
Structured Questionnaire

The study examines the effect of internet banking on non financial performance of First bank Nigeria Plc, Abuja.  The study used survey research design and employed the use of structured questionnaire administered to the employees of 41 branches of First Bank Plc, Abuja. A population of 2231 employees was targeted  and a sample size of 337 was derived using Taro Yamane formula.  Point in time data was collected from primary source and Ordinary Least Square was adopted in analysing the data.  Findings reveal that internet banking proxies such as cheap internet costs, 24 hours internet services and ICT competence of customers contributed significantly to the performance of First Bank Nigeria plc Abuja. The study concludes that the effect of internet banking on the performance First Bank Nigeria Plc, Abuja is significant. It is therefore recommended that First Bank Nigeria Plc, Abuja should continue to adopt internet banking since it contributes significantly to their operational performance.         

scholarly journals Value Chain and Performance in Agro Allied Small and Medium Scale Enterprise in Sokoto State, Nigeria

2016 ◽  
Vol 6 (9) ◽  
pp. 08
Author(s):  
Roko Lumi Peter
Keyword(s):  
Value Chain ◽  
Primary Source ◽  
Least Square ◽  
Time Data ◽  
Significant Relation ◽  
Ordinary Least Square ◽  
Medium Scale ◽  
And Performance ◽  
The Right ◽  
The Impact

<p>This study investigates the impact of value chain on the performance of Agro Allied SMEs in Sokoto State. The concept of value chain is too board and some managers are confused on the right value chain activities to choose and apply in their business. Using point time data collected from primary source with the used of questionnaire and applying Ordinary Least Square (OLS) finding reveals that there is significant relation between value chain and performance of Agro Allied SMEs in Sokoto State. Other findings primary activities of value chain contribute significantly to the performance of Agro SMEs in Sokoto State and secondary activities of value chain contribute significantly to the performance of Agro SMEs in Niger State. Results recommends that Agro SMEs in Sokoto State should continue to improve on primary and secondary activities of value chain since it contributes significantly to the performance of Agro SMEs in Sokoto State.</p>

scholarly journals BUSINESS ECO SYSTEM AND MICRO, SMALL AND MEDIUM ENTERPRISES (MSMES) PERFORMANCE IN NIGERIA

2018 ◽  
Vol 6 (1) ◽  
Author(s):  
Moruff Sanjo OLADIMEJI ◽  
Benneth Uchenna EZE ◽  
Kazeem Adeyinka AKANNI
Keyword(s):  
Pilot Study ◽  
Financial Performance ◽  
Survey Research ◽  
Small And Medium Enterprises ◽  
Least Square ◽  
Collaborative Network ◽  
Chief Executives ◽  
Ordinary Least Square ◽  
Business Ecosystem ◽  
Medium Enterprises

Firms are adopting collaborative network, which allow group of enterprises to enhance their performance and competitiveness. This study examines the effect of business ecosystem on MSMEs financial and non financial performance. The study employed survey research design, through the administration of structured questionnaires to 400 chief executives of MSMEs in Lagos, Anambra and Kano. The research instrument was validated by some academics and practitioners. A pilot study was conducted to ascertain the reliability of the instrument, by distributing the questionnaire to chief executives of 10 MSMEs twice within an interval of 14 days and the correlation of the first and the second study gave a Cronbach alpha of 0.84, which indicated that the instrument is highly reliable. Hypotheses were formulated and ordinary least square was employed to estimate the model with the aid of STATA version 14. Findings revealed that business eco system have positive and significant effect on MSMEs financial and non-financial performance. Therefore, it is recommended that MSMEs should consider their business eco system towards the enhancement of their financial and non financial performance

scholarly journals Business Eco System and Micro, Small and Medium Enterprises (MSMES) Performance in Nigeria

2018 ◽  
Vol 6 (1) ◽  
pp. 76-86
Author(s):  
Moruff Sanjo Oladimeji ◽  
Benneth Uchenna Eze ◽  
Kazeem Adeyinka Akanni
Keyword(s):  
Pilot Study ◽  
Financial Performance ◽  
Survey Research ◽  
Small And Medium Enterprises ◽  
Least Square ◽  
Collaborative Network ◽  
Chief Executives ◽  
Ordinary Least Square ◽  
Business Ecosystem ◽  
Medium Enterprises

Abstract Firms are adopting collaborative network, which allow group of enterprises to enhance their performance and competitiveness. This study examines the effect of business ecosystem on MSMEs financial and non financial performance. The study employed survey research design, through the administration of structured questionnaires to 400 chief executives of MSMEs in Lagos, Anambra and Kano. The research instrument was validated by some academics and practitioners. A pilot study was conducted to ascertain the reliability of the instrument, by distributing the questionnaire to chief executives of 10 MSMEs twice within an interval of 14 days and the correlation of the first and the second study gave a Cronbach alpha of 0.84, which indicated that the instrument is highly reliable. Hypotheses were formulated and ordinary least square was employed to estimate the model with the aid of STATA version 14. Findings revealed that business eco system have positive and significant effect on MSMEs financial and non-financial performance. Therefore, it is recommended that MSMEs should consider their business eco system towards the enhancement of their financial and non financial performance.

scholarly journals Treasury Single Account and the Performance of Banking Sector: A Study of Selected Deposit Money Banks in Oyo State, Nigeria

2019 ◽  
pp. 1-8
Author(s):  
Oyedele, Oloruntoba ◽  
Oyewole, Olabode Michael ◽  
G. T. Ayo-Oyebiyi
Keyword(s):  
Economic Activity ◽  
Banking Sector ◽  
Banking System ◽  
Sampling Technique ◽  
Least Square Method ◽  
Study Data ◽  
Least Square ◽  
Ordinary Least Square ◽  
Data Collection Instrument ◽  
Structured Questionnaire

The banking sector in any country plays a fundamental role in increasing the level of economic activity. However, the implementation of treasury single account has been devilled its performance. This study therefore investigates the implication of treasury single account on the performance of Nigerian Deposit Money Banks. Quantitative analysis was used in this research, with data collected by the researchers. Five banks (Zenith Bank, First Bank Plc, UBA, Access Bank and Guaranty Trust Bank) were selected through purposive method. Judgmental sampling technique was also used to select Head of Operation, Accountant and Branch Manager from 10 branches each of the selected bank in Oyo State, Nigeria, totaling 150 respondents as a sample size for the study. Data collection instrument used was a structured questionnaire and data analysis was performed with the aid of Ordinary Least Square method of estimation. Result shows that implementation of Treasury Single Account has significant relationship with closure of branches, withdrawal syndrome from the banking system, liquidity crisis and unemployment crisis in Deposit Money Banks. Subsequently, the study recommends that banks should focus on their core banking operations rather than feeding on government idle funds kept into various accounts by Government Ministries, Departments and Agencies (MDAs). Also, banks should sensitize people on the importance of baking culture instead of them keeping their money under their pillow, inside their farms and underground.

scholarly journals IMPACT OF JOB INSECURITY ON THE ABILITY OF EMPLOYEES’ TO MEET SET TARGETS IN POLARIS BANK PLC, GWAGWALADA, ABUJA

2021 ◽  
Vol 8 (1) ◽  
pp. 92-104
Author(s):  
Nana Bature ◽  
◽  
Theresa Ndulue ◽  
Keyword(s):  
Early Retirement ◽  
Positive Relationship ◽  
Job Insecurity ◽  
Primary Source ◽  
Least Square ◽  
Statistical Tool ◽  
Significant Positive Relationship ◽  
Ordinary Least Square ◽  
Least Square Regression ◽  
Ordinary Least Square Regression

This study examined the effects of job insecurity on the ability of employees to meet set targets in Polaris Bank Plc, Gwagwalada, Abuja.The study investigated how fear of unexpected sack, perceived powerlessness about employees’ job and fear of early retirement affect the ability of employees to meet set targets in Polaris Bank Plc, Gwagwalada, Abuja. The survey research design was used in the study and data was collected from primary source with the use of questionnaire. The Ordinary Least Square regression technique was the statistical tool used to test the hypotheses of the study. The findings of the study revealed that there is a significant positive relationship between job insecurity and the ability of employees to meet set targets in Polaris Bank Plc, Gwagwalada, Abuja. The study recommends that the management of the bank should ensure that employees are not treated as mere ‘use and dump slaves’ but as dignified workforce with feelings and emotions. The study concludes that fear of unexpected sack; perceived powerlessness about employees’ job has a positive significant effect on the ability of employees to meet set targets in Polaris Bank Plc, Gwagwalada, Abuja.

The influence of foreign institutional investors, institutional directors, and the share pledge ratio of directors on financial performance of tourism firms

2019 ◽  
Vol 26 (1) ◽  
pp. 179-201 ◽  
Author(s):  
Chien Mu Yeh
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Institutional Investors ◽  
Least Square ◽  
Tobin’S Q ◽  
Tobin's Q ◽  
Policy Makers ◽  
Ordinary Least Square ◽  
Tourism Sector ◽  
Foreign Institutional Investors

Corporate governance is a critical component relevant to firm performance. In the tourism sector, corporate governance is an underexamined issue. The purpose of the current study is to bridge this gap by examining the influence of foreign institutional investors, institutional directors, and shares pledged by directors on tourism firms’ financial performance. Data are derived from listed tourism firms in Taiwan. Ordinary least square regressions and two-stage least square regressions are used to examine the hypotheses. Results show that the presence of foreign institutional investors and a low share pledge ratio of directors have significant effects on return on assets and Tobin’s Q. The presence of institutional directors has a positive effect on Tobin’s Q. Implications for owners, policy makers, and investors are discussed.

scholarly journals Corporate Social Responsibility and Financial Performance of Hotels in Zanzibar

2019 ◽  
pp. 1-8
Author(s):  
Zuhura Mohamed Abdallah ◽  
Fatma Ali Mohamed
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Financial Performance ◽  
Random Effect ◽  
Least Square Method ◽  
Least Square ◽  
Ordinary Least Square ◽  
Effect Regression ◽  
Corporate Social ◽  
Positive Effect

Corporate Social Responsibility is gaining more awareness in Zanzibar as the firms are recognizing the important role it plays on firm’s performance. This research empirically examines the effect of corporate social responsibility and financial performance of hotels in Zanzibar. CSR is measured by cost paid for corporate social responsibility while financial performance is measured by using profitability measures such as ROA and ROE. By utilizing panel data of 4 hotels for 7 years period from 2011-2017, the study uses ordinary least square method-random effect regression, model. The study found CSR has a significant positive effect on ROA and ROE of hotels in Zanzibar. The study also found that control variables (i.e leverage, R & D, size) have a significant effect on ROA and ROE. The study recommends more investment in CSR as a way of boosting hotels profitability.

scholarly journals Dividend Policy and Financial Performance- A Study of Quoted Manufacturing Firms in Nigeria and Kenya

2019 ◽  
pp. 1-8
Author(s):  
Ayodeji Temitope Ajibade ◽  
Motunronke Bintu Amuda ◽  
Oluwatoyosi Tolulope Olurin
Keyword(s):  
Financial Performance ◽  
Dividend Policy ◽  
Least Square ◽  
Manufacturing Companies ◽  
Significance Level ◽  
Wealth Maximization ◽  
Ordinary Least Square ◽  
Common Effect ◽  
Negative Effect ◽  
Positive Effect

One of the indicators of shareholders’ wealth maximization is dividend policy (DP) consistency, proxied by dividend per share (DPS) with moderating variable of company size and financial performance measured by the return on asset (ROA). The purpose of this study is to demonstrate the significance level of changes in ROA based on DPS comparing manufacturing companies in Nigeria and Kenya. The data used in this study is the use of panel data method and Convenience Sampling is applied and data analyzed by comparing the regression model, Ordinary Least Square (common effect). The results indicate that there is a significant positive effect on ROA in Kenya manufacturing companies, while Nigeria’s records insignificant negative effect as revealed by the t-statistics due to DP. These undeveloped economies’ relevant sector for growth is the manufacturing and is the focus of this study. The paper concludes by recommending that Kenya and Nigeria manufacturing companies should focus on DP.

scholarly journals The Impact of Financing Risk on Islamic Banking Performance in Indonesia

2021 ◽  
Vol 10 (2) ◽  
pp. 212
Author(s):  
Iwan Setiawan
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Financial Performance ◽  
Least Square ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Bank Capital ◽  
Ordinary Least Square ◽  
Financing Risk ◽  
Capital Financing

The financing risk is a significant issue in the Islamic banking industry that affects its performance. This research aims to examine the factors that influence financing risk on the financial performance of Islamic banking in Indonesia. This study utilized time-series data quarterly from 2009-2020 collected from three types of Islamic banking in Indonesia: Islamic Commercial Bank (ICB), Islamic Business Unit (IBU), and Islamic Rural Bank (IRB). It was analyzed using multiple regression estimation techniques with the Ordinary Least Square (OLS) method. This study revealed that the Islamic banks’ financing risk is significantly influenced by bank capital, financing, economic growth, inflation, and central bank’ rate (BI rates), both negatively and positively. In detail, the increase of bank capital, financing, and economic growth will reduce the financing risks, whilst inflation and BI rate increase the financing risks. The findings also disclosed that Islamic banks' financial performance is influenced by bank capital, operating costs, financing risks, inflation, and BI rates. Thus, the decrease in bank capital, operational costs, and financing risks will subsequently decrease the financial performance, while the increase of inflation and BI rates will increase the financial performance of Islamic banks. Economic growth is the most influential factor in reducing financing risk, while financing risk is the most significant factor in improving banks’ financial performance. The government's efforts to boost economic growth are crucial to reducing financing risks and improving the financial performance of Islamic banks.==========================================================================================================ABSTRAK – Dampak Risiko Pembiayaan terhadap Kinerja Bank Syariah di Indonesia. Risiko pembiayaan merupakan persoalan utama bagi industri perbankan termasuk perbankan syariah. Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang mempengaruhi risiko pembiayaan dan pengaruhnya terhadap kinerja keuangan perbankan syariah di Indonesia. Objek penelitian meliputi Bank Umum Syariah, Unit Usaha Syariah dan Bank Perkreditan Rakyat syariah. Model analisis menggunakan teknik estimasi regresi berganda dengan menggunakan metode  Ordinary Least Square (OLS). Penelitian ini menggunakan data time-series periode kuartalan dari 2009-2020. Hasil penelitian ini menunjukkan bahwa risiko pembiayaan bank syariah dipengaruhi oleh modal bank, pembiayaan, pertumbuhan ekonomi, inflasi dan BI Rate. Hasil ini mengindikasikan bahwa peningkatan modal bank, pembiayaan, dan pertumbuhan ekonomi akan mengakibatkan penurunan risiko pembiayaan, sementara peningkatan inflasi dan BI Rate akan meningkatkan risiko pembiayaan. Selain itu, hasil kajian juga mendapati bahwa kinerja keuangan bank syariah dipengaruhi oleh modal bank, biaya operasional bank, risiko pembiayaan, inflasi dan BI Rate. Secara detil, penurunan modal bank, biaya operasional dan risiko pembiayaan akan meningkatkan kinerja keuangan bank syariah, sementara peningkatan inflasi dan BI Rate akan meningkatkan kinerja keuangan. Faktor yang berpengaruh paling terhadap penurunan risiko pembiayaan adalah pertumbuhan ekonomi. Penurunan risiko pembiayaan merupakan faktor yang berpengaruh paling besar terhadap peningkatan kinerja keuangan perbankan syariah. Upaya pemerintah untuk mendorong pertumbuhan ekonomi merupakan langkah yang sangat strategis mengurangi risiko pembiayaan dan meningkatkan kinerja keuangan perbankan syariah di Indonesia. 

scholarly journals Funding of Micro Scale Enterprises: Is Cooperative Financing Helpful?

2020 ◽  
Vol 64 (4) ◽  
pp. 430-443
Author(s):  
Michael Ogunmuyiwa ◽  
◽  
Oluwakemi Aladegoroye ◽  
Adebiyi Abosede ◽  
◽  
...  
Keyword(s):  
Regression Analysis ◽  
Survival Rate ◽  
Sample Size ◽  
Survey Research ◽  
Operational Performance ◽  
Business Survival ◽  
Micro Scale ◽  
General Management ◽  
Ogun State ◽  
Structured Questionnaire

The study investigates the influence of cooperative financing on the performance and survival of micro scale businesses, in Ogun State, Nigeria. A survey research design was adopted to generate crosssectional data, using a structured questionnaire as the research instrument. From a population of 1,165,848 a sample size of 384 was obtained using the Raosoft sapling size formulae. Regression analysis was used to analyze the data. The findings revealed that cooperatively sourced finance has a positive and significant effect on operational performance of micro scale enterprises but no significant effect on business survival. This implies that survival of micro scale enterprises is beyond financing. The study recommends that cooperative societies, beyond financing should assist members in the area of general management of activities such as records keeping to improve the operational performance as well as the survival rate of businesses in Ogun State, Nigeria.

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