scholarly journals Bank-specific vs. macro-economic factors: what drives profitability of commercial banks in Saudi Arabia

2018 ◽  
Vol 13 (1) ◽  
pp. 139-149
Author(s):  
Farkhanda Shamim ◽  
Bora Aktan ◽  
Mohammed Attaitalla Abdulla ◽  
Nabeel Mohammed Yaseen Sakhi
Keyword(s):  
Saudi Arabia ◽  
Regression Analysis ◽  
Credit Risk ◽  
Multiple Regression Analysis ◽  
Commercial Banks ◽  
Banking Sector ◽  
Economic Factors ◽  
Internal Factors ◽  
Sample Data ◽  
Vision 2030

The goal of this study is to determine the elements that contribute to the profitability of commercial banks in Saudi Arabia. The study is important due to the fact that Saudi vision 2030 foresees Saudi Arabia as a global investment powerhouse and fulfilling this objective requires a profitable banking sector. The method chosen for the study is multiple regression analysis. The sample data is taken for the period ranging 2009 and 2015 for the 12 local banks. The research concludes that bank’s internal factors specifically, bank size, liquidity, credit risk and operational efficiency are significantly determining the profitability in the banks as compared to the economy’s macro-economic variables.

scholarly journals Corporate Governance in the Banking Industry of Kosovo

2019 ◽  
Vol 7 (3) ◽  
pp. 20-34 ◽  
Author(s):  
Arber Hoti ◽  
Arben Dermaku
Keyword(s):  
Corporate Governance ◽  
Regression Analysis ◽  
Financial Performance ◽  
Multiple Regression Analysis ◽  
Board Of Directors ◽  
Multiple Regression ◽  
Commercial Banks ◽  
Banking Sector ◽  
Board Members ◽  
The Board Of Directors

The main purpose of this research is to study the impact of corporate governance on the financial performance of the banking sector in Kosovo. To analyze this impact, the Pearson correlation coefficient, multiple regression analysis related to the board size and board independence and banking sector performance in Kosovo were applied. The key corporate governance variables that have been studied in this research are: (i) size of the board of directors, (ii) the independence of the board of directors (the ratio between non-executive directors and the total number of board members). The data for this research were collected from the annual reports and audited financial statements of commercial banks in Kosovo for the 12 year period (2006-2017) and from questionnaires addressed to board members of commercial banks in Kosovo as well as other publications from relevant local institutions such as the Central Bank of Kosovo (CBK), Statistical Office of Kosovo (SOK), Tax Administration of Kosovo (TAK), etc. The results of the multiple regression analysis regarding the influence of the board of directors on the financial performance of the banking sector indicate that: the size of the board of directors and the independence of the board of directors have a positive and significant impact on the financial performance of the banking sector in Kosovo, expressed through return on assets (ROA) and return on equity (ROE). Findings of this research are in line with the findings of other researchers in this field and confirm the assertion that the management of the above variables improves and has a positive impact on the financial performance of banks in Kosovo.

scholarly journals Financial Performance of Commercial Banks: The Case of Kyrgyz Republic

2015 ◽  
Author(s):  
Adilya Yamaltdinova ◽  
Burulcha Sulaimanova
Keyword(s):  
Regression Analysis ◽  
Credit Risk ◽  
Financial Performance ◽  
Asset Management ◽  
Commercial Banks ◽  
Goodness Of Fit ◽  
Banking Sector ◽  
Kyrgyz Republic ◽  
Return On Assets ◽  
Explanatory Variables

The banking sector of Kyrgyz Republic is mainly presented by commercial banks and increase of their financial performance will lead to improve their functions and activities. For this reason, the aim of this research is set as to empirically investigate the financial performance of commercial banks of Kyrgyz Republic for the period of 2008-2014. The financial performance measured by using one indicator, this is Return on Assets. This indicator will be estimated by multiple regression analysis, with explanatory variables, such as bank size, credit risk, operational efficiency and asset management. The model is checked for goodness-of-fit and classical linear model assumptions.

PENGARUH FAKTOR INTERNAL TERHADAP MINAT BERWIRAUSAHA MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS JAMBI

2019 ◽  
Vol 8 (1) ◽  
pp. 1-12
Author(s):  
Winda Syafitri ◽  
Dahmiri Dahmiri
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Sampling Method ◽  
Descriptive Analysis ◽  
Research Use ◽  
Sampling Techniques ◽  
Student Interest ◽  
Business Faculty ◽  
Internal Factors ◽  
Convenience Sampling

ABSTRAK The purpose of this research is to explain the effect of Internal Factors toward student interest in entrepreneurship on Economics and Business Faculty of Jambi University. Sampling techniques used on is Non-Probability Sampling with Convenience Sampling Method. The number of respondents is 100 consumers. Technique analysis for this research use descriptive analysis to describe the research variables and multiple regression analysis to find the effect between research variables using SPSS 20.0. This research revealed the significant effect of Internal Factors on Student Interest in entrepreneurship on Economics and business Faculty of Jambi University.   Keywords: Internal Factors, Interest in Entrepreneurship

scholarly journals Improved forecast assessment for the expected credit losses in credit risk monitoring in commercial banks in the context of international and Russian practices

2020 ◽  
Vol 15 (3) ◽  
pp. 445-457
Author(s):  
Elena Vladimirovna Travkina ◽  
Keyword(s):  
Risk Assessment ◽  
Risk Management ◽  
Credit Risk ◽  
Commercial Banks ◽  
Banking Sector ◽  
Assessment Model ◽  
Financial Instruments ◽  
Credit Risk Assessment ◽  
Ifrs 9 ◽  
Credit Losses

Current banking sector’s performance raises the issues connected with the IFRS 9 Financial Instruments driven transformation of the forecast assessment for the expected credit losses during monitoring and credit risk assessment in commercial banks. In this regard, it becomes important to conduct a comprehensive systematization of the existing Russian and international practices for monitoring and evaluating credit risk in commercial banks. The purpose of the study is to develop a comprehensive approach to the use of an effective model for the impairment of expected losses in banking activities. The novelty of the study includes the enhancement of the tools for the forecast assessment of the expected credit losses among the commercial banks’ clients to improve the credit risk management efficiency. The results from the implementation of IFRS 9 Financial Instruments in the banking area show that modern conditions maintain the uncertainty of the long-term impact of the credit risk on the commercial banks’ performance. What is more, a huge amount of additional information gives significant difficulties, which contributes into the sophisticated calculations of the future credit losses of the banks. It has been justified that a forecast assessment model for the expected credit losses of the clients during the monitoring and bank’s credit risk assessment should be based on the collective or individual ground. The efficient application of the expected losses impairment in the banking performance has been described as a fundamental tool to simulate the expected credit losses to provision for impairment. This model has been shown to be determined by the features of the credit activities and bank portfolio, types of its financial tools, sources of the available information, as well as the applied IT systems. The proposed model validation algorithm for the expected impairment losses could reduce the expected credit losses, decrease the volume of the created assessed reserves, as well as improve the overall commercial bank performance efficiency. Theoretically, the study develops the credit losses risk management in the context of the transformations in the global and Russian banking practices. From the perspective of the practical value, the research gives an opportunity to create an efficient forecast assessment model for the expected credit losses of the commercial banks’ clients, this model contributing into the cost effectiveness of the bank’s credit activities. A promising further research is considered to be aimed at developing the tools for the assessment of the commercial banks’ credit activity results in the context of the adopted changes connected with the introduction of IFRS 9 Financial Instruments in the Russian banking sector.

Users' Perception of Internet Characteristics in the Academic Environment

2009 ◽  
Vol 1 (4) ◽  
pp. 30-39
Author(s):  
Abdullah Almobarraz
Keyword(s):  
Saudi Arabia ◽  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Faculty Members ◽  
The Internet ◽  
Academic Environment ◽  
Internet Adoption ◽  
Instructional Activities ◽  
Academic Activities

This article examines the characteristics of internet that motivate faculty members of Imam Muhammad Bin Saud University (IMSU) in Saudi Arabia to utilize the Internet in their research and instructional activities. The framework of the study was the attributes of innovations offered by Rogers. A modified instrument was adopted to collect the data and measure the attributes. The result revealed that the majority of IMSU faulty members used the Internet for research and academic activities twice a month or less, indicating a low Internet adoption rate. Multiple regression analysis showed that all attributes of innovation individually predicted Internet adoption. The combination of all attributes indicated the model could predict Internet adoption among faculty.

scholarly journals The Effect of Risks on Banking Safety: Applied Study on Jordanian Traditional Banks (2005-2016)

2017 ◽  
Vol 9 (9) ◽  
pp. 102
Author(s):  
Mohammad Abdel Mohsen Al-Afeef ◽  
Atallah Hassan Al-Ta'ani
Keyword(s):  
Interest Rate ◽  
Credit Risk ◽  
Commercial Banks ◽  
Banking Sector ◽  
Liquidity Risk ◽  
Interest Rate Risk ◽  
Bank Credit ◽  
Applied Study ◽  
Rate Risk ◽  
The Impact

Banking sector is one of the most important sectors that support the sustainable economic development in Jordan, therefore this study aimed to test the impact of risks; (Liquidity risk, bank credit risk and interest rate risk) on the safety in the banking sector in the Jordanian commercial banks during the period 2005-2016.The results of the study showed that there is a statistically significant impact for each of liquidity risk and interest rate risk on the safety in the banking sector, and there isn't statistically significant impact for credit risk on the safety in the banking sector during the period of this study, and also find that the explanatory of model was 60.5%, which means that 39.5% due to other factors.

scholarly journals Socio-economic Factors as Predictors of Undergraduate Students’ Attitude towards Entrepreneurship in Botswana

2018 ◽  
Vol 5 (1) ◽  
pp. 43
Author(s):  
Som Pal Baliyan ◽  
Pritika Singh Baliyan
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Family Income ◽  
Degree Program ◽  
Education Level ◽  
Economic Factors ◽  
Program Of Study ◽  
Career Ambition ◽  
Socio Economic Factors

Attitudes and values related to entrepreneurship imbibed by graduates may serve as impediments to future economic growth and development of entrepreneurship. Factors behind the nonchalant attitude towards entrepreneurship by the potential entrepreneur youth need to be identified and their influence remedied. This descriptive and co-relational study analyzed the socio-economic factors determining attitude towards entrepreneurship among graduates in Botswana. A valid and reliable questionnaire was used for data collection through a survey of 149 (n=149) randomly sampled graduates in Botswana. Data was analyzed through descriptive and inferential statistical tools of mean, frequency, independent t-test, one way analysis of variance and multiple regression analysis. Descriptive statistics indicated that the students would like to pursue their future career as entrepreneurs but opposite to the student career ambition, the parents want their children to become future professionals. Findings revealed that eight socio-economic factors namely; gender, program of study, year of study, mothers’ education level, mothers’ profession, family income level and students career ambition after completion of degree program and parents career ambition after completion of degree program have significant influence on the students’ attitude towards entrepreneurship. Multiple regression analysis indicated that the socio-economic factors are significant predictors of students’ attitude towards entrepreneurship. Furthermore, mothers’ education level was the top significant socio-economic factor predicting the students’ attitude followed by students’ career ambition after completion of the program, the year of study and the program of study. Further research can be conducted to investigate the reasons for gender difference in students’ attitude towards entrepreneurship and, reasons for contradicting career ambitions of the students and their parents.

scholarly journals The Threats of Unsystematic Risks in Jordanian Commercial Banking Sector

2017 ◽  
Vol 9 (9) ◽  
pp. 175
Author(s):  
Ghaith N. Al-Eitan ◽  
Ismail Y. Yamin
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Banking Sector ◽  
Fixed Effect Model ◽  
Commercial Banking ◽  
Capital Adequacy ◽  
Credit Risk Management ◽  
Effect Model ◽  
The Impact ◽  
The Empirical Analysis

The objective of this study is to empirically examine the effect of unsystematic risks on the performance of commercial banks in Jordan, using panel data for the period of 10 years (2005-2015). The study uses earning per share and dividends as dependent variables to represent Banks’ performance. The empirical analysis based on the fixed effect model selected on the basis of Hausman test. The results indicate that the impact of Non-performing loans on commercial banks’ dividends is positive and significant while the impact of capital adequacy is negative and statistically significant on dividends. The results indicate that the credit risk, liquidity risk, non-performing loan and capital adequacy have significant effect on earnings per share and the effects are negative as expected. Based on the study it is recommended that the Jordanian commercial banks needs enhance the process of credit risk management to determine loan defaulter and impose the appropriate legal action against them.

scholarly journals Analysis of the Relationship between Credit Risk and Bank Performance of Some Commercial Banks in Ghana

2020 ◽  
Vol 8 (2) ◽  
pp. 34-51
Author(s):  
Joseph Acquah ◽  
Yusif Arthur ◽  
Damianus Kofi Owusu
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Research Approach ◽  
Independent Entity ◽  
The Relationship

This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.

scholarly journals INFLATION AND NUMBER OF TAXABLE ENTREPRENEURS (NTE) TOWARDS ADMISSION OF VALUE ADDED TAX (VAT)

TRIKONOMIKA ◽  
2018 ◽  
Vol 17 (2) ◽  
pp. 84
Author(s):  
Rima Sundari ◽  
Fajar Maulana
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Value Added ◽  
Sampling Technique ◽  
Value Added Tax ◽  
Monthly Data ◽  
Macroeconomic Variables ◽  
Sample Data ◽  
Research Period

This study aims is to determine the effect of macroeconomic variables on inflation and the Number of Taxable Entrepreneurs (NTE) both partially and simultaneously on the receipt of Value Added Tax (VAT). This study uses a quantitative approach. The sampling technique used is purposive sampling. The sample in this study were 3 KPPs in West Java that are KPP Majalaya, KPP Sukabumi, and KPP Tasikmalaya with monthly data of the research period July 2013 - June 2016, the number of sample data used was 108, and analyzed using multiple regression analysis. The results of the study show that inflation partially has a negative and significant effect on VAT receipts. While simultaneously inflation, the number of NTE has a positive and significant effect on VAT receipts

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