The Impact of Banking-Relationship on Lines-of-Credit Pricing: Evidence from a Survey Data of a Tunisian Bank Credit Portfolio

This research focuses on the problem of large scale disproportion of success in the development of the banking sector and mostly unsuccessful development of the real sector of the economy. It should be noted that this disproportion is a subject of consideration in contemporary economic literature and our research is an attempt to broaden the issue and share ideas inside the international scientific circles. The main problem in the research is the impact of the banking sector's credit portfolio and the functioning of credit markets on the economic growth of the country. In this regard, it is very important to identify, study the macroeconomic stabilization and accelerated economic growth of the country and analyse the impact mechanisms of the credit market factors on economic growth. The conclusion that combines many of the research and opinions given in the survey can be as follows: From the economic point of view, the main function of banks is to increase the financing/lending of funds as the core point to increase investments in the economy. Thus, the development of the country in economic terms depends on the increase of investments. At present, it is in the hands of the banking sector whether to lead us to economic immobility or to accelerate the country's economic development through efficient allocation of resources.

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Materialism and Green Purchase Intention: A Study of Urban Vietnamese Consumers

Journal of Economics and Development ◽

10.33301/2017.19.02.05 ◽

2017 ◽

pp. 89-106 ◽

Cited By ~ 2

Author(s):

Mai Nguyen Thi Tuyet ◽

Hung Nguyen Vu ◽

Linh Nguyen Hoang ◽

Minh Nguyen Hoang

Keyword(s):

Conceptual Framework ◽

Survey Data ◽

Purchase Intention ◽

Behavioral Control ◽

Subjective Norm ◽

Perceived Behavioral Control ◽

Policy Makers ◽

Tpb Model ◽

Research Findings ◽

The Impact

This study focuses on examining the impact of three components of materialism on green purchase intention for urban consumers in Vietnam, an emerging economy. An extended Theory of Planned Behavior (TPB) is applied as the conceptual framework for this study. The hypotheses are empirically tested using survey data obtained from consumers in Hanoi, the capital of Vietnam. The regression results show support for most of our hypotheses. The findings indicate that two out of three facets of materialism are significant predictors of green purchase intention. Specifically, success is found to be negatively related to purchase intention, while happiness is related positively to the intention. All three antecedents in the TPB model, including attitude towards green purchase, subjective norm, and perceived behavioral control are also found to have positive impacts on purchase intention. The research findings are discussed and implications for managers and policy makers are provided.

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Taking Aim at Attack Advertising

10.1093/oso/9780190947569.001.0001 ◽

2019 ◽

Cited By ~ 5

Author(s):

Kim Fridkin ◽

Patrick Kenney

Keyword(s):

Content Analysis ◽

Focus Groups ◽

Survey Data ◽

Data Sources ◽

Empirical Validation ◽

Negative Campaigning ◽

Senate Elections ◽

Campaign Messages ◽

Negative Messages ◽

The Impact

This book develops and tests the “tolerance and tactics theory of negativity.” The theory argues that citizens differ in their tolerance of negative campaigning. Also, candidates vary in the tactics used to attack their opponents, with negative messages varying in their relevance to voters and in the civility of their tone. The interplay between citizens’ tolerance of negativity and candidates’ negative messages helps clarify when negative campaigning will influence citizens’ evaluations of candidates and their likelihood of voting. A diverse set of data sources was collected from U.S. Senate elections (e.g., survey data, experiments, content analysis, focus groups) across several years to test the theory. The tolerance and tactics theory of negativity receives strong empirical validation. First, people differ systematically in their tolerance for negativity, and their tolerance changes over the course of the campaign. Second, people’s levels of tolerance consistently and powerfully influence how they assess negative messages. Third, the relevance and civility of negative messages consistently influence citizens’ assessments of candidates competing for office. That is, negative messages focusing on relevant topics and utilizing an uncivil tone produce significant changes in people’s impressions of the candidates. Furthermore, people’s tolerance of negativity influences their susceptibility to negative campaigning. Specifically, relevant and uncivil messages are most influential for people who are least tolerant of negative campaigning. The relevance and civility of campaign messages also alter people’s likelihood of voting, and the impact of negative messages on turnout is more consequential for people with less tolerance of negativity.

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The Impact of Managers and Network Interactions on the Integration of Circularity in Business Strategy

Organization & Environment ◽

10.1177/1086026621994635 ◽

2021 ◽

pp. 108602662199463

Author(s):

Manon Eikelenboom ◽

Gjalt de Jong

Keyword(s):

The Netherlands ◽

Survey Data ◽

Empirical Research ◽

Indirect Effect ◽

Business Strategy ◽

Business Processes ◽

Core Business ◽

Organizational Attributes ◽

Positive Direct ◽

The Impact

Integrating circularity in business strategy is difficult to achieve for companies as it requires impactful changes in core business processes. While research has focused on identifying key barriers, little is known about the organizational attributes that can assist businesses in integrating circularity in their strategies. The purpose of this study is to investigate the implications of organizational managers and network interactions for the integration of circularity in business strategy. Through using survey data from 627 SMEs (small- and medium-sized enterprises) in the Netherlands, this study shows that managers who interpret circularity as an opportunity can have a positive direct and indirect effect on the integration of circularity in a company’s strategy. The results furthermore highlight the importance of circular network interactions for the integration of circularity in business strategy. This article contributes to recent calls for more empirical research into the integration of circularity and offers relevant insights for companies aiming to integrate circularity.

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Modeling of Bank Credit Risk Management Using the Cost Risk Model

Journal of Risk and Financial Management ◽

10.3390/jrfm14050211 ◽

2021 ◽

Vol 14 (5) ◽

pp. 211

Author(s):

Iryna Yanenkova ◽

Yuliia Nehoda ◽

Svetlana Drobyazko ◽

Andrii Zavhorodnii ◽

Lyudmyla Berezovska

Keyword(s):

Risk Management ◽

Decision Support ◽

Credit Risk ◽

Risk Model ◽

Bank Credit ◽

Credit Risk Management ◽

Loan Default ◽

Increased Risk ◽

Credit Portfolio ◽

Cost Risk

This article deals with the issue of managing bank credit risk using a cost risk model. Modeling of bank credit risk management was proposed based on neural-cell technologies, which expand the possibilities of modeling complex objects and processes and provide high reliability of credit risk determination. The purpose of the article is to improve and develop methodical support and practical recommendations for reducing the level of risk based on the value-at-risk (VaR) methodology and its subsequent combination with methods of fuzzy programming and symbiotic methodical support. The model makes it possible to create decision support subsystems for nonperforming loan management based on the neuro-fuzzy approach. For this paper, economic and mathematical tools (based on the VaR methodology) were used, which made it possible to analyze and forecast the dynamics of overdue payment; assess the quality of the credit portfolio of the bank; determine possible trends in bank development. A scientific and practical approach is taken to assess and forecast the degree of credit problematicity by qualitative criteria using a mathematical model based on a fuzzy technology, which can forecast the increased risk of loan default at an early stage in the process of monitoring the loan portfolio and model forecasting changes in the degree of credit problematicity on change of indicators. A methodology is proposed for the analysis and forecasting of indicators of troubled loan debt, which should be implemented as software and included in the decision support system during the process of monitoring the risk of the bank’s credit portfolio.

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Survey Data Quality in Analyzing Harmonized Indicators of Protest Behavior: A Survey Data Recycling Approach

American Behavioral Scientist ◽

10.1177/00027642211021623 ◽

2021 ◽

pp. 000276422110216

Author(s):

Kazimierz M. Slomczynski ◽

Irina Tomescu-Dubrow ◽

Ilona Wysmulek

Keyword(s):

Data Processing ◽

Data Quality ◽

Survey Data ◽

A Priori ◽

Data Sets ◽

New Approach ◽

Survey Quality ◽

Survey Error ◽

Ex Post ◽

The Impact

This article proposes a new approach to analyze protest participation measured in surveys of uneven quality. Because single international survey projects cover only a fraction of the world’s nations in specific periods, researchers increasingly turn to ex-post harmonization of different survey data sets not a priori designed as comparable. However, very few scholars systematically examine the impact of the survey data quality on substantive results. We argue that the variation in source data, especially deviations from standards of survey documentation, data processing, and computer files—proposed by methodologists of Total Survey Error, Survey Quality Monitoring, and Fitness for Intended Use—is important for analyzing protest behavior. In particular, we apply the Survey Data Recycling framework to investigate the extent to which indicators of attending demonstrations and signing petitions in 1,184 national survey projects are associated with measures of data quality, controlling for variability in the questionnaire items. We demonstrate that the null hypothesis of no impact of measures of survey quality on indicators of protest participation must be rejected. Measures of survey documentation, data processing, and computer records, taken together, explain over 5% of the intersurvey variance in the proportions of the populations attending demonstrations or signing petitions.

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The Long-Term Impact of Different Offline Population Inclusion Strategies in Probability-Based Online Panels: Evidence From the German Internet Panel and the GESIS Panel

Social Science Computer Review ◽

10.1177/0894439320984131 ◽

2021 ◽

pp. 089443932098413

Author(s):

Carina Cornesse ◽

Ines Schaurer

Keyword(s):

Survey Data ◽

Positive Impact ◽

Alternative Mode ◽

Mail Surveys ◽

Internet Users ◽

Online Panels ◽

Long Term Impact ◽

The Impact ◽

Postal Mail

While online panels offer numerous advantages, they are often criticized for excluding the offline population. Therefore, some probability-based online panels have developed offline population inclusion strategies. Two dominant approaches prevail: providing internet equipment and offering an alternative survey participation mode. We investigate the impact of these approaches on two probability-based online panels in Germany: the German Internet Panel, which provides members of the offline population with internet equipment, and the GESIS Panel, which offers members of the offline population to participate via postal mail surveys. In addition, we explore the impact of offering an alternative mode only to non-internet users versus also offering the alternative mode to internet users who are unwilling to provide survey data online. Albeit lower recruitment and/or panel wave participation probabilities among offliners than onliners, we find that including the offline population has a positive long-term impact on sample accuracy in both panels. In the GESIS Panel, the positive impact is particularly strong when offering the alternative participation mode to non-internet users and internet users who are unwilling to provide survey data online.

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The Determinants and Consequences of Accurate Beliefs About Childhood Vaccinations

American Politics Research ◽

10.1177/1532673x17745342 ◽

2017 ◽

Vol 47 (3) ◽

pp. 628-649 ◽

Cited By ~ 8

Author(s):

Mark R. Joslyn ◽

Steven M. Sylvester

Keyword(s):

Educational Attainment ◽

Survey Data ◽

Party Identification ◽

Motivated Reasoning ◽

Parental Choice ◽

Practical Significance ◽

The Public ◽

Policy Attitudes ◽

The Individual ◽

The Impact

In this article, we examine the individual predictors that are responsible for accurate beliefs about the link between vaccinations and autism. We then show how these beliefs affect policy preferences about vaccines. We derive two hypotheses from motivated reasoning theory and test these on national survey data from Gallup and CBS News. Republicans were less likely to report accurate beliefs than Democrats. In addition, educational attainment modified the impact of party identification. The gap between Republicans and Democrats in likelihood of reporting accurate beliefs was largest among the most educated portion of the public. Finally, we show that accurate beliefs about vaccines, independent of statistical controls, are important predictors of policy attitudes about unvaccinated children attending public school and parental choice about the decision to vaccinate. We discuss the theoretical and practical significance of these findings.

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