scholarly journals The Determinants Of Islamic Retail Banking Adoption In Malaysia

2012 ◽  
Vol 11 (4) ◽  
pp. 437 ◽  
Author(s):  
Seethaletchumy Thambiah ◽  
Shanti Ramanathan ◽  
Mohammad Nurul Huda Mazumder
Keyword(s):  
Empirical Analysis ◽  
Market Share ◽  
Banking Sector ◽  
Retail Banking ◽  
Marketing Strategies ◽  
Relative Advantage ◽  
Policy Makers ◽  
Factors Affecting ◽  
The Past ◽  
Promotional Efforts

This study aims to examine the factors affecting the adoption of Islamic retail banking (IRB) products and services among the banking customers of Malaysia. The market share of Islamic retail banking remains low despite being in operation for the past 28 years. Therefore, an empirical analysis was conducted to study the usage of Islamic retail banking products and services between the urban and rural banking customers of Malaysia. Comparisons were also made on the usage of Islamic deposits and financing schemes between the Muslim and non-Muslim customers. The findings of the study revealed, relative advantage, promotional efforts, complexity, compatibility and awareness on attributes of Islamic retail banking as the significant determinants of the usage of Islamic retail banking products and services. Thus, the findings of this study serves as a valuable guideline to the banking sector and policy makers to devise appropriate marketing strategies to promote Islamic retail banking products and services aggressively among the banking customers of Malaysia.

Measurement of Vulnerability of Financial Portfolio of Sharia Commercial Banks by Cardona Method

2017 ◽  
Vol 9 (2) ◽  
pp. 109
Author(s):  
Paulina Harun ◽  
Atman Poerwokoesoemo
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Banking Industry ◽  
Policy Makers ◽  
Factors Affecting ◽  
Section Data ◽  
Initial Stage ◽  
The Face ◽  
Asset Portfolio

his study aims to: (1) to know and analyze the extent of volatility (vulnerability) of sharia banking industry in Indonesia in the face of competition (2) to know and analyze factors affecting vulnerability of sharia commercial banks; (3) to know and analyze the extent of sustainable development of sharia banking industry to Indonesia's economic development.The research conducted to measure the vulnerability (volatility) of proto folio of syariah bank using observation period 2015, and the data used is cross section data. The research design used in this research is quantitative research, using asset dimension (asset portfolio, liability portfolio, equity portfolio) and stressor (pressure, including: credit risk, market risk, and liquidity risk).The activity plan of this research is: in the initial stage of conducting theoretical study related to the vulnerability related to banking especially BUS; The next step is to determine the asset and stressor dimensions associated with the BUS; Further determine the indicators related to assets and stressors; The next step performs calculations to determine the index of each BUS as well as the dimensions that affect the vulnerabilities faced by each BUS.Target expected outcomes can be generated from this research is: for the object of research (BUS) provide a solution for BUS to deal with and overcome the vulnerabilities encountered and policies that must be done. For policy makers, the results of this study are expected to provide input in decision-making and other policies.Measurement of vulnerability to be performed related to banking operations in the face of competition and the continuity of BUS in Indonesia. The outcomes of this study are expected to be included in Bank Indonesia journals, the selection of this journal is based on studies conducted in the banking sector, especially BUS in Indonesia.

scholarly journals An Empirical Analysis of Factors Affecting Bank Interest Margins: Evidence from the South East European Countries

2018 ◽  
Vol 21 (2) ◽  
pp. 81-98
Author(s):  
Mehmed Ganić
Keyword(s):  
Interest Rate ◽  
Empirical Analysis ◽  
Banking Sector ◽  
Output Growth ◽  
The South ◽  
Factors Affecting ◽  
East European ◽  
Interest Margins ◽  
See Region ◽  
Bank Concentration

This paper provides an empirical analysis of factors affecting Bank Interest Margins in eight countries of the South‑East European (SEE) region between 2000 and 2014. The purpose of this paper is to examine and investigate the main drivers of Bank Interest Rate Margins across selected countries throughout the SEE region. Also, the study explored the relationship between the dependent variable Interest Rate Spread (IRS – as a proxy variable for measuring variation in Bank Interest Rate Margins) and a set of selected banks’ specific variables in SEE by employing panel data estimation methodology. This research is based on aggregate data for the whole banking sector of each country. In line with some expectations, our findings confirm the importance of credit risk, bank concentration operative efficiency, and inflation expectations in determining Bank Interest Rate Margins. Interestingly, in contrast to the majority of recent empirical research, the study found an inverse relationship between the bank concentration variable and Bank Interest Rate Margins as well as between the operational efficiency variable and Bank Interest Rate Margins. Also, the study could not find statistically significant evidence that Bank Interest Rate Margins are determined by output growth, bank profitability (measured by ROA) or liquidity risk.

A Comparative Analysis of Mobile Marketing Adoption in the Light of Hofstede's Cultural Dimensions

2020 ◽  
Vol 10 (3) ◽  
pp. 62-89
Author(s):  
Hadeel Bahjat Al-Haddad ◽  
Mohammad Hasan Galib
Keyword(s):  
Marketing Strategies ◽  
Cultural Dimensions ◽  
Mobile Marketing ◽  
Relative Advantage ◽  
Factors Affecting ◽  
Intention To Adopt ◽  
Hofstede’S Cultural Dimensions ◽  
The Usa ◽  
Hofstede's Cultural Dimensions ◽  
Practical Implications

This study investigates the factors that affect consumers' intentions to adopt mobile marketing and compare these factors between the USA and Jordan in the light of Hofstede's cultural dimensions. The collected data (n=250) were subject to statistical analysis including exploratory factor analysis, multiple regression, and Mann Whitney U test. The results showed that trust, observability and subjective norm, and relative advantage are the main factors affecting consumers' intentions to adopt mobile marketing, and trust had the strongest effect among the factors. Complexity had a positive significant effect only on Americans' intentions to adopt mobile marketing. The intention to adopt mobile marketing was higher in Jordan than that of the USA. The findings of this study provided several theoretical and practical implications and shed light on some factors that marketers may consider in developing their mobile marketing strategies. The study revealed that culture plays a significant role in peoples' technology adoption intentions.

scholarly journals Social Impact Bonds and Institutional Investors: An Empirical Analysis of a Complicated Relationship

2018 ◽  
Vol 48 (1) ◽  
pp. 50-70 ◽  
Author(s):  
Alfonso Del Giudice ◽  
Milena Migliavacca
Keyword(s):  
Empirical Analysis ◽  
Institutional Investors ◽  
Social Impact ◽  
Success Factors ◽  
Agency Problems ◽  
Private Capital ◽  
Policy Makers ◽  
The Past ◽  
Critical Success ◽  
Social Impact Bonds

Over the past 8 years, social impact bonds (SIBs) have attracted increasing attention from scholars, policy makers, and investors. Notwithstanding good intentions and policy makers’ enthusiasm, SIBs have failed to attract significant private capital. Considering the SIBs issued worldwide until December 2017, we look for the critical success factors of SIB funding by investigating both the financial and contractual characteristics of SIB contracts. We find that institutional investors are more likely to participate in an SIB funding when there are fewer agency problems.

scholarly journals FORMATION OF COMPETITIVE ADVANTAGES IN THE BANKING SECTOR THROUGH THE USE OF CORPORATE ENTREPRENEURSHIP TOOLS

2021 ◽  
Vol 9 (4) ◽  
pp. 117-132
Author(s):  
A. N. Kuznetsov
Keyword(s):  
Market Share ◽  
Banking Sector ◽  
Corporate Entrepreneurship ◽  
Operational Efficiency ◽  
Retail Banking ◽  
Competitive Advantages ◽  
Strategic Positioning ◽  
Banking Services ◽  
Banking Market ◽  
Credit Institutions

The competitiveness of credit institutions in the retail banking market lies in their ability to conduct business in this market in order to obtain the highest possible market share and profits. Achieving these goals is linked to the level of operational efficiency and strategic positioning or differentiation of banking services. Consider the tools of corporate entrepreneurship that form competitive advantages in the banking sector.

scholarly journals Government-linked banks’ performance in Jordan

2017 ◽  
Vol 14 (2) ◽  
pp. 44-50
Author(s):  
Mohammad Ahid Ghabayen ◽  
Ahmad Omar Hardan ◽  
Zaid Jaradat ◽  
Mohannad Alshbiel
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Banking Sector ◽  
Bank Performance ◽  
Government Ownership ◽  
Policy Makers ◽  
The Past ◽  
Significant Difference ◽  
The Government ◽  
The Relationship

The main objective of this study is to examine the relationship between government ownership and bank performance in Jordan. The banking sector has been widely ignored in the past corporate governance studies due to its strict system. Using a panel data from 2004 to 2013 (147 observations/years), the multiple regression analysis shows that increasing the percentage of shareholdings leads to higher profitability. Additional government-linked banks (GLBs) generally outperform their unlinked counterparts. However, their outperformance is contingent to the significance percentage of the shareholdings. On other words, if the government shareholdings are not significant (less than 10%) the government ownership does not make a significant difference in the performance. Using panel data provide us with a significant roles played by the period of the study. The banks show increasing in their performance through the period of this study. However, the size and the age of the banks are found to be insignificant while the leveraged banks significantly underperform their counterparts. The results of this study might be of interest of potential investors, policy makers, governance agencies and information users.

scholarly journals X-efficiency, Scale Economies, Technological Progress, and Competition: The Banking Sector in Pakistan

2006 ◽  
Vol 45 (4II) ◽  
pp. 733-748 ◽  
Author(s):  
Abdul Qayyum ◽  
Sajawal Khan
Keyword(s):  
Economic Growth ◽  
Banking Sector ◽  
Financial Intermediation ◽  
Empirical Support ◽  
Financial Sector ◽  
Economic Activities ◽  
Policy Makers ◽  
The Past ◽  
Financial Products ◽  
Factor Accumulation

The financial sector plays an important role in economic growth, and the banking sector as a part of the financial sector facilitates the economic activities in the capacity of an intermediary between lender and borrowers. That is why the researchers as well as the policy-makers have been concerned with the issue of banking sector efficiency. The banks transform their various inputs into multiple financial products, and the efficient way the banking sector transform these input into financial products may followed by macroeconomic stability [Ngalande (2003)]. It has also important role in effective execution of monetary policy [Hartman (2004)], furthermore, efficient allocation by banks play a central role in economic growth [Galbis (1977)]. There is a strong empirical support for positive link between financial intermediation and economic growth. A wide acceptance of this link also exists and financial development used as a determinant in growth model over the past several decades [Gurley and Shaw (1955) and Goldsmith (1969)]. The positive relationship could be either through factor accumulation or through increase in efficiency [Collins (2002)]. It is the efficiency which is more important because mere factor accumulation could not stimulate economic growth [Slutz (2001)]. The efficient financial intermediation mechanism allocates the credit to more productive sectors in optimal way. In addition, this efficient financial intermediation mechanism also promotes innovations, because of high return on investment, with positive implications for economic growth [Luccheti (2000)].

scholarly journals A STUDY ON THE ACCEPTANCE OF DIFFERENT FORMS OF ELECTRONIC BANKING IN INDIA: CHALLENGES AND OPPORTUNITIES

2015 ◽  
Vol 3 (7) ◽  
pp. 12-22
Author(s):  
Kruti Shah ◽  
K.D. Naik
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Banking System ◽  
Research Paper ◽  
Future Trend ◽  
Marketing Strategies ◽  
Sources Of Information ◽  
Electronic Banking ◽  
The Past ◽  
Challenges And Opportunities

Over the past couple of years, the Indian Banking System has shown great resilience with the developing economy of the nation. The banking industry has not only grown in number but has also shown a tremendous development in the technological front. The banking industry has given lot of options to the customers to use banking services with the help of technology. This research paper focuses on the types of electronic banking media; the past, the present and the hopeful future of the banking system. This paper focuses on the levels of acceptance of electronic banking media among the customers and also focuses on the reasons of differing levels of acceptance.  This research paper also tries to define the challenges faced by the banking system in the growth of acceptance level by the customers towards electronic banking and the opportunities which can be banked on in the form of marketing strategies that help the acceptance of electronic banking media for the faster and better services. The challenges and opportunities in the electronic banking sector are judged upon the various sources of information available and an attempt is made to show the probable future trend in the acceptance of electronic banking media by the society at large.

Ariel Egypt

2011 ◽  
pp. 205-217
Author(s):  
Ahmed Tolba
Keyword(s):  
Market Share ◽  
Marketing Strategies ◽  
The Past ◽  
Long Time ◽  
Market Leader ◽  
And Performance ◽  
Fierce Competition

This case study examines the past and present challenges facing Ariel, a long-time market leader in the detergent sector in Egypt whose market share has started to slip. In particular, it examines the marketing strategies and performance of Ariel High Suds, which is witnessing a declining market share as well as a decline in the overall high-suds market due to fierce competition and the growing low-suds market in Egypt.

Ariel Egypt

E-Marketing ◽  
2012 ◽  
pp. 507-519
Author(s):  
Ahmed Tolba
Keyword(s):  
Market Share ◽  
Marketing Strategies ◽  
The Past ◽  
Long Time ◽  
Market Leader ◽  
And Performance ◽  
Fierce Competition

This case study examines the past and present challenges facing Ariel, a long-time market leader in the detergent sector in Egypt whose market share has started to slip. In particular, it examines the marketing strategies and performance of Ariel High Suds, which is witnessing a declining market share as well as a decline in the overall high-suds market due to fierce competition and the growing low-suds market in Egypt.

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