scholarly journals An Analysis of Commercial Banks� Credit on Economic Growth in Nigeria

2014 ◽  
Vol 6 (2) ◽  
pp. 11-15 ◽  
Author(s):  
Z. Yakubu ◽  
A.Y. Affoi
Keyword(s):  
Economic Growth ◽  
Commercial Banks

scholarly journals The Impact of Financial Deepening on Economic Growth in Nigeria (1981-2018)

2020 ◽  
Vol 17 ◽  
Keyword(s):  
Economic Growth ◽  
Private Sector ◽  
Interest Rates ◽  
Money Supply ◽  
Commercial Banks ◽  
Financial Sector ◽  
Financial Deepening ◽  
Growth Data ◽  
Main Research ◽  
The Impact

Different academics and experts have acknowledged that developing the financial sector positively impacts economic growth by increasing productivity, progress and national investment. Expanding the financial sector allows financial intermediaries to carry out functionalities of deploying, aggregating and directing a country’s savings into an investment which contributes to domestic progression. This research explores the effect of financial deepening on Nigeria’s growth for 38 years covering 1981- 2018. The main research goals were to investigate the linkages among time and savings deposit of commercial banks, money supply and credit to the private sector on the economy’s growth. Data was obtained from CBN Bulletin different issues and analyzed using Autoregressive Distributed Lag. From the result of analysis, we found out that long run relationship existed but no regressor was found to be significant. Credit to the private sector to GDP was inversely related to GDP growth whereas money supply to GDP had positive relations with economic growth rate, time and savings deposits in commercial banks negatively affected national growth. Policies favoring credit lending to the private sector should be encouraged by stakeholders in the economy, for instance, higher savings interest rates would encourage more savings. More importantly, policies should be enacted to make sure that savings are transmitted into productive investments that can yield financial deepness

scholarly journals Understanding the impact of Commercial Banks Lending Rate on Economic Growth: An Empirical Evidence from Ghana.

2021 ◽  
Author(s):  
Emmanuel Buabeng ◽  
Opoku Adabor ◽  
Elizabeth Nana-Amankwaah
Keyword(s):  
Economic Growth ◽  
Commercial Banks ◽  
Inflation Targeting ◽  
Policy Interventions ◽  
Lending Rate ◽  
Percent Increase ◽  
Short Run ◽  
Causal Approach ◽  
The Impact ◽  
Toda And Yamamoto

Abstract The main objective of this paper is to investigate the impact of lending rate on economic growth in Ghana. To do this, we employ the autoregressive distributed lags model (ARDL) and the Toda and Yamamoto (1995) causal approach as estimation strategy. The estimates from the ARDL model suggest that ceteris paribus one percent increase in lending rate generates approximately 0.15 decrease in economic growth of Ghana in the long. In the short run, one percent increase in lending rate also generates approximately 0.112 percent decrease in economic growth. Contrary to the widespread belief that lending rate induce economic growth, we find that gross domestic product rather spurs lending rate, using Toda and Yamamoto (1995) causal approach. Our findings suggest that monetary authorities should embark on policy interventions that aim at taming lending rate towards growth enhancing targets. This will encourage individuals, firms and other institutions to borrow from commercial banks to increase investment and consumption to accelerate economic growth. Other policy interventions include strengthening inflation targeting policy to reduce and stabilize inflation while taming exchange rate, monetary policy and treasury bill rate towards economic growth enhancing targets.

scholarly journals Study on the Prevention and Controlling of Dissimilation of Social Functions of Commercial Banks Based on the Fulfillment of Social Responsibility of Chinese Commercial Banks

2020 ◽  
Vol 1 (2) ◽  
Author(s):  
Zhuobi Luo
Keyword(s):  
Economic Growth ◽  
Economic Development ◽  
Commercial Banks ◽  
Well Being ◽  
Great Contribution ◽  
Social Functions ◽  
The People ◽  
The Social ◽  
The World ◽  
Socio Economic Development

The dissimilation of the social functions of commercial banks is a phenomenon that the function of commercial banks deviates from the economic development and the people's livelihood. Such phenomenon, which can be seen all over the world, impedes the socio-economic development and affects the well-being of the people to some degree. After investigating and analyzing the dissimilation of the social functions of Chinese commercial banks, it was found that their social functions play a significant role, and the booming development of these banks has made great contribution to the economic growth and improved people's livelihood in China. China should also have special experience in preventing and handling this dissimilation.

Risk Behavior, Country Governance, and Bank Stability in Pakistan

2021 ◽  
pp. 185-203
Author(s):  
Hafiz Waqas Kamran ◽  
Abdelnaser Omran
Keyword(s):  
Economic Growth ◽  
Credit Risk ◽  
Risk Behavior ◽  
Commercial Banks ◽  
Financial Stability ◽  
Operational Risk ◽  
Bank Stability ◽  
Regression Methods ◽  
The Stability ◽  
Control Of Corruption

Keeping risk behavior and country governance in observation, this study has investigated the trends in financial stability for a sample of 22 commercial banks in Pakistan while controlling the effect of economic growth. Over the period of 2007 to 2016, the authors have applied OLS, FE, and RE regression methods to investigate which risk and governance factors are influencing the stability measures of the banks. It is found that financial stability in overall banks is affected by credit risk, operational risk, country risk, and financial crisis risk while control of corruption is also affecting ZROA in an adverse way.

scholarly journals Does banking sector performance promote economic growth? Case study of Jordanian commercial banks

2017 ◽  
Vol 15 (2) ◽  
pp. 55-64 ◽  
Author(s):  
Ayman Mansour Khalaf Alkhazaleh
Keyword(s):  
Economic Growth ◽  
Commercial Banks ◽  
Banking Sector ◽  
Positive Association ◽  
Political Stability ◽  
Commercial Banking ◽  
Least Square ◽  
Bank Performance ◽  
Significant Positive Association ◽  
Ordinary Least Square

Spurred by the need to evade possible parameter bias associated with earlier works, this study intended to address the subject of whether performance of commercial banking contributes to economic growth. With the aim of answering this question, the present review concentrates on analyzing the association between profitability, deposit and credit facilities as proxy for performance of commercial banks while gross domestic product proxies economic growth. The population of the study is characterized by the Jordanian banking industry; the study enclosed a period of six years from 2010 to 2015 constructed on the annual report of thirteen chosen banks. Using Ordinary Least Square, the regression outcomes found a significant positive association between measures of bank performance and economic growth. Findings demonstrate that measures of bank performance in particular profitability deposits credits have positive relationship with economic growth as measured by GDP. The empirical results suggest that the policy creators should make arrangements to augment and prompt the banking sector in Jordan on account of its key significance in making and advancing development of the economy. It additionally can be inferred that not only commercial banking performance but also other movables such as political stability and technology may assume essential part in the economic prosperity in Jordan.

scholarly journals PENGARUH FAKTOR INTERNAL, EKSTERNAL, DAN LAYANAN TRANSAKSI DIGITAL BANK TERHADAP PROFITABILITAS

2021 ◽  
Vol 10 (6) ◽  
pp. 607
Author(s):  
Marizka Distya Anastasia ◽  
Munari Munari
Keyword(s):  
Economic Growth ◽  
Commercial Banks ◽  
Quantitative Methods ◽  
Service Providers ◽  
Sampling Technique ◽  
Internet Banking ◽  
Company Size ◽  
Mobile Banking ◽  
Growth Data ◽  
Keywords Internet

One of the important factors for banking is financial service providers who describe the bank to perform performance as measured by profitability. Factors that cause changes in bank profitability can be seen from internal factors as well as external factors as well as the application of technology. This study aims to analyze, test, and prove the effect of CAR, NPL, LDR, BOPO, company size, inflation, economic growth, internet banking transactions, and mobile banking transactions on the profitability of commercial banks listed on the Indonesia Stock Exchange in 2015-2019. This study uses quantitative methods with secondary data obtained through bank financial reports available on the IDX and the website of the Badan Pusat Satistik (BPS) related to inflation and economic growth data. Determination of the sample using purposive sampling technique in order to obtain 6 commercial banks to be researched. Technical analysis of the data using multiple linear regression. The results showed that CAR has a significant positive effect on profitability, while BOPO, economic growth, and mobile banking transactions have a significant effect on profitability. However, NPL, LDR, company size, inflation, and internet banking transactions have no effect on profitability. Keywords: Internet banking; mobile banking; profitability

THE KEY RATE AS THE MAIN INSTRUMENT OF THE MONETARY POLICY OF THE BANK OF RUSSIA

2021 ◽  
Vol 3 (4) ◽  
pp. 116-121
Author(s):  
I. Yu. SKLYAROV ◽  
◽  
Yu. M. SKLYAROVA ◽  
L. A. LATYSHEVA ◽  
◽  
...  
Keyword(s):  
Economic Growth ◽  
Monetary Policy ◽  
Regression Analysis ◽  
Commercial Banks ◽  
Multivariate Correlation ◽  
Factors Influencing ◽  
Main Instrument

The article examines the main instruments for implementing the monetary policy of the Bank of Russia. In this regard, it is necessary to monitor changes in the value of the key rate, which may affect the rate of economic growth in the country. Since commercial banks reduce interest on deposits, there is a decrease in the amount of deposited funds. This article discusses the technique of multivariate correlation-regression analysis. As a result of the study, the factors influencing the change in the level of the key rate were established.

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