scholarly journals Credit Information Sharing and Loan Default in Developing Countries: The Moderating Effect of Banking Market Concentration and National Governance Quality

2019 ◽  
Author(s):  
Samuel Fosu ◽  
Albert Danso ◽  
Henry Agyei-Boapeah ◽  
Collins G. Ntim ◽  
Emmanuel Adegbite
Keyword(s):  
Developing Countries ◽  
Information Sharing ◽  
Market Concentration ◽  
Moderating Effect ◽  
Loan Default ◽  
Banking Market ◽  
Governance Quality

scholarly journals Credit information sharing and loan default in developing countries: the moderating effect of banking market concentration and national governance quality

2019 ◽  
Vol 55 (1) ◽  
pp. 55-103 ◽  
Author(s):  
Samuel Fosu ◽  
Albert Danso ◽  
Henry Agyei-Boapeah ◽  
Collins G. Ntim ◽  
Emmanuel Adegbite
Keyword(s):  
Developing Countries ◽  
Information Sharing ◽  
Market Concentration ◽  
Moderating Effect ◽  
Loan Default ◽  
Banking Market ◽  
Governance Quality

scholarly journals Foreign Shareholdings Impact on Banks Efficiency and Moderating Role of Corporate Governance

2019 ◽  
Vol 8 (2S9) ◽  
pp. 414-425
Keyword(s):  
Developing Countries ◽  
Corporate Governance ◽  
Country Of Origin ◽  
Developed Countries ◽  
Moderating Effect ◽  
Due Diligence ◽  
The Board Of Directors ◽  
The Impact ◽  
Moderating Role

The research investigate the impact of foreign shareholding originated from developed and developing countries on the efficiency of acquired local banks in Indonesia during 2007-2017 by including Corporate Governance as a moderating variable. Methodology: Using the secondary aggregate data of 29 commercial banks acquired by foreign shareholders, a panel regression model using econometrics methods of GLS, and DEA were applied to examine the effects of percentage of foreign shareholdings on efficiency of the acquired local banks. The main findings; First, percentage of foreign shareholdings positively affecting efficiency of acquired local banks only if the foreign shareholders is originated from developed countries. Second, the level of economic advancement of the country of origin of foreign shareholders has significant effects on the efficiency of the acquired local banks. Third, the increase in the size of the Board of Directors tends to decrease the efficiency of the acquired local banks and fourth, the presence of Foreign Director has a positive moderating effect on strengthening the effect of percentage of foreign shareholdings on the efficiency of the acquired local banks. Overall, the originality of this studies is that the percentage of foreign shareholdings and its country of origin are two combined factors that cannot be separated in affecting the level of efficiency of its acquired local bank and the fact of significant positive moderating effect of Foreign Director. As policy consideration, monetary authority need to perform strict due diligence on prospective foreign shareholders specifically originated from developing countries, advise banks to maintain the existence of Foreign Director and to encourage small local banks to be merged prior to the acquisition by foreign shareholders.

CRM dimensions and performance of SMEs in Yemen: the moderating role of human capital

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Nagwan Abdulwahab AlQershi ◽  
Sany Sanuri Mohd Mokhtar ◽  
Zakaria Bin Abas
Keyword(s):  
Developing Countries ◽  
Human Capital ◽  
Knowledge Management ◽  
Organizational Performance ◽  
Manufacturing Sector ◽  
Moderating Effect ◽  
Customer Focus ◽  
Content Type ◽  
The Impact ◽  
Key Customer

PurposeThis paper examines the interaction of human capital and CRM on the performance of SMEs in Yemen.Design/methodology/approachThe study used a quantitative approach in investigating the interacting effect of human capital on the relationship between CRM and SMEs' performance in Yemen. The PLS-SEM analysis was performed to test the hypotheses.FindingsIt was observed that key customer focus, technology-based CRM and CRM knowledge management were effective drivers of SME performance, but not CRM organization tools. It was also ascertained that human capital has no moderating effect on the key customer focus and knowledge management relationships with performance, although it does moderate the relationships between performance and CRM organization and technology-based CRM respectively.Research limitations/implicationsBecause this study is limited to manufacturing SMEs in Yemen, the results cannot be generalized to other types of industry such as services, whose structure and vision differ from those of manufacturing SMEs. While the current results may be appropriate for SMEs in other developing countries, the researcher believes they are unsuitable for SMEs in advanced economies with different financial structures and employee and management cultures.Practical implicationsThe empirical insights of this study are valuable for the owners, managers and professionals in the SMEs manufacturing sector in developing countries, to enrich their organizational performance through CRM adoption, while considering the moderating effect of human capital.Originality/valueThis is the first empirical work to confirm way the main drivers of human capital, including in the analysis the impact of CRM dimensions and SME performance, in the context of the manufacturing sector. In support of an original conceptual model, the insights contribute to the literature on CRM, SMEs in the manufacturing sector, human capital and emerging economies.

Debt Relief and Governance Quality in Developing Countries

2009 ◽  
Vol 37 (1) ◽  
pp. 62-80 ◽  
Author(s):  
Andreas Freytag ◽  
Gernot Pehnelt
Keyword(s):  
Developing Countries ◽  
Debt Relief ◽  
Governance Quality

scholarly journals Predictors of Attitudinal Outcomes in Mobile Advertising in Sri Lanka: An Emerging Market

2016 ◽  
Vol 8 (3) ◽  
pp. 129 ◽  
Author(s):  
Vilasini De Silva ◽  
Jun Yan
Keyword(s):  
Developing Countries ◽  
Sri Lanka ◽  
Family Income ◽  
Emerging Market ◽  
Developed Countries ◽  
Moderating Effect ◽  
Sri Lankan ◽  
Mobile Advertising ◽  
Mobile Media

<p>Mobile media has been rapidly evolving in the market with novel technological features. It has captured the advertising field in a revolutionary manner. Unlike in developed countries mobile media is less popular in developing countries. This study has been designed to explore the Sri Lankan consumers’ attitudes towards mobile advertising. Self-administrative questionnaire was applied to collect data and 413 valid responses were gathered. The results show that, i) Demographics (age, family income) and ii) Experience with internet advertisements are predictors of attitude towards mobile advertising. Experience with internet advertisements has significant moderating effect on attitude on mobile advertising.</p>

scholarly journals Market Concentration and Natural Resource Development in Rural America

2021 ◽  
Author(s):  
Tom Mueller ◽  
Jesse Shircliff ◽  
Marshall Steinbaum
Keyword(s):  
Labor Market ◽  
Natural Resource ◽  
Outdoor Recreation ◽  
Resource Development ◽  
Market Concentration ◽  
Moderating Effect ◽  
Rural America ◽  
Economic Prosperity ◽  
Natural Resource Development ◽  
Oil Gas

Natural resource development, both extractive (oil, gas, mining, timber) and non-extractive (tourism, real estate, outdoor recreation), has been found to negatively impact economic prosperity in rural America. One mechanism recently proposed for why this occurs is high levels of labor market concentration, or oligopsony. Oligopsony occurs when there are few employers within a labor market and can lead to suppressed wages and a power imbalance between employers and workers. In this paper, we test the moderating effect of labor market concentration on the relationship between natural resource development and per capita income and poverty in rural America from 2010 to 2016. By comparing results between extractive and non-extractive development, as well as manufacturing, we show that labor market power attenuates the beneficial relationship observed at low levels of specialization in natural resources—particularly for extractive forms of development. Further, by finding no significant relationship between manufacturing specialization and economic prosperity, nor any moderating effect of labor market concentration in the case of manufacturing, we demonstrate that natural resource development and labor market concentration have a unique relationship with rural American economic prosperity.

scholarly journals INFLUENCE OF FINANCIAL LINKAGES ON GROWTH OF INFORMAL FINANCIAL INSTITUTIONS IN HOMA BAY COUNTY OF KENYA

2020 ◽  
pp. 19-27
Author(s):  
Benard Odhiambo Obop ◽  
Alphonce Juma Odondo ◽  
Nelson Obange
Keyword(s):  
Developing Countries ◽  
Information Sharing ◽  
Financial Institutions ◽  
Financial Training ◽  
Negative Relationship ◽  
Secondary Data ◽  
Sampling Technique ◽  
Primary Data ◽  
Credit Access ◽  
Access To Credit

Financial linkage is an emerging form of partnership widely practiced between NGOs, formal and informal financial institutions in developing countries. The existing forms include but not limited to financial training, Savings products and Credit Information Sharing (CIS). Informal financial institutions enter into such linkages with an aim of growing the volumes of credit accessed. In Homa Bay County, various forms of financial linkages have emerged with statistics indicating unstable growth in volumes of credit accessed by informal financial institutions. According to Homa bay Women Sacco, the loan disbursed grew by 88.46% between 2015 and 2017. This is in tandem with the institutional theory of complementarity adopted by this study. However, studies on formal-informal financial institutions’ relationship and contribution of financial linkages to credit access in developing countries have elicited divergent views. Some reveal that financial linkages offer the best solution to promoting credit access while others indicate that the linkages may reduce access to credit and impact negatively on growth of the institutions. It is on this basis that the study sought to establish the influence of the emerging linkages on growth of informal financial institutions in Homa Bay County. The study was based on the positivists approach to conceptualization and was guided by correlational research design. A total of 300 respondents were selected using stratified sampling technique. Both open and closed-ended pre-tested questionnaires were used to collect primary data. Secondary data were from relevant documents of the institutions. The desired relationships were established through multiple regressions while bivariate associations were determined using Correlational analysis. The study revealed that volumes of group savings and Credit information sharing both had significant relationships with the growth of informal financial institutions. On the other hand, financial training had an insignificant negative relationship with access to credit by the institutions, the negative relationship suggests that through training, the informal financial institution’s managers strengthen their internal management mechanisms, thus become less dependent on borrowed funds for their activities. The study thus recommends that the three forms of linkages be strengthened to enhance growth of the institutions in Homa Bay County. KEY WORDS: Financial Linkages, Growth, Institutions, County, Kenya

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