scholarly journals Determinant Attributes of Customer Choice of Banks, Supplying Mortgage Products

2012 ◽  
Vol 4 (5) ◽  
pp. 287-296
Author(s):  
Irfan Ahmed ◽  
Shahid Mahmood . ◽  
Umar Farooq .
Keyword(s):  
Confidence Level ◽  
Least Square ◽  
Quality Of Services ◽  
Customer Choice ◽  
Ols Regression ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
Correlation Techniques

The present study focuses on finding out the main attributes that determine the customer’s choice of bank for supplying the mortgage products. The data has been gathered through questionnaires from 400 customers using mortgage products of different banks. Reviewing the literature four variable are taken for study to determine the dependent variable customer choice of banks using mortgage products and they include cost of bank, quality of services, confidence of customer in bank and convenience of customer using mortgage product. Results were analyzed using ordinary least square (OLS) regression and correlation techniques and findings of the data have been tested which appeared as significant statistically. The results indicated that choice of customers for the mortgage product depends on all the independent variables like quality of services, cost of mortgage product, confidence level of customers build by the bank and convenience of the customers. Further analysis can be done on exploring more independent variables, which are important for customers in choosing a bank providing mortgage products.

scholarly journals IMPACT OF INDIVIDUALISM, COLLECTIVISM, MOOD, PROXIMITY AND SAVINGS ON IMPULSE BUYING BEHAVIOR IN PAKISTAN

2015 ◽  
Vol 03 (02) ◽  
pp. 01-09
Author(s):  
SAIRA ASHFAQ ◽  
◽  
Dr. Ayub Siddiqui ◽  
M. Jan Khan ◽  
◽  
...  
Keyword(s):  
Specific Impulse ◽  
Negative Association ◽  
Least Square ◽  
Impulse Buying ◽  
Buying Behavior ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
Impulsive Buying ◽  
Correlation Techniques ◽  
Impulse Buying Tendency

The present study focuses on finding out the main attributes that determine the reasons of impulse buying behavior in Pakistan. The data has been gathered through questionnaires from 400 buyers of different cities of Pakistan, like Rawalpindi, Islamabad, Karachi, and Sargodha. The current study focuses on identifying people, who can be classified as “impulsive buyers”, and “non-impulsive buyers. Despite the classifications of impulsive and non- impulsive buyers, it also identifies the level of impulsiveness in reference to purchasing, varied from time to time for both the impulsive buyers and non-impulsive buyers. After reviewing the literature, five variables have been taken for the study to determine the dependent variable. Results were analyzed using ordinary least square (OLS) regression and correlation techniques, and data has been tested which appeared significant statistically. The results indicate that impulsive buying behavior is positively associated with the collectivism, proximity and mood and have negative association with savings and collectivism. Further analysis can be done on the more independent variables, such as product specific impulse buying tendency.

scholarly journals Mapping of budget stress in Indonesia: Consequence on budget implementation

2021 ◽  
Vol 7 (1) ◽  
pp. 39-57
Author(s):  
Ronald Tehupuring
Keyword(s):  
Local Governments ◽  
Budget Deficit ◽  
Study Groups ◽  
Least Square ◽  
Quality Of Services ◽  
Political Budget Cycle ◽  
Ordinary Least Square ◽  
The Public ◽  
The Government

The phenomenon of a budget deficit in local governments at the provincial, regency, and city levels shows that there is budget stress. Budget stress is a regional fiscal condition reflected in the lower revenue budget, while regional expenditure is getting higher. The consequence of budget stress is low budget implementation, and it reduces the quality of services to the public. This study aims to map the regions experiencing budget stress at the local government levels. Furthermore, this study examines and analyzes the consequences of budgetary stress on budget implementation. The research sample used local governments at the provincial, regency, city levels throughout Indonesia during 2016-2020. This study uses Ordinary Least Square (OLS) to test the research hypothesis. This study groups the five regions with the highest budget stress during 2016-2020. The results of this study can contribute to the theory, methodology, and implementation related to the budget. The theory's contribution is that the political budget cycle can maintain government performance through various efforts to reduce budget stress. This study also found that budget stress can reduce budget implementation. Therefore, the government needs to pay attention to indicators of budget stress.

scholarly journals Specialist tenure of audit partner and audit quality

Accounting ◽  
2021 ◽  
pp. 573-580 ◽  
Author(s):  
Zaenal Fanani ◽  
Virmey Mustika Fitriya Budi ◽  
A. A. Gde Satia Utama
Keyword(s):  
Audit Quality ◽  
Financial Statements ◽  
Regression Method ◽  
Least Square ◽  
Loan Loss ◽  
Ols Regression ◽  
Ordinary Least Square ◽  
Loan Loss Provision

This study aims to determine the ability of the audit quality provided by audit partners to be influenced by seasoned and unseasoned specialists using the Ordinary Least Square (OLS) regression method and discretionary loan loss provision (DLLP). This study shows that the audit quality provided by a specialist partner auditor is higher than the non-specialist. Furthermore, after classifying the specialist partner auditors as seasoned and unseasoned, the results showed that the audit quality provided by seasoned specialist partner auditors is higher than the non-specialist. While the audit quality provided by the unseasoned specialist partner auditor is almost the same as those provided by the non-specialist. This study contributes to literature on specialist auditors. The longer the audit partner is classified as a specialist, the higher the audit quality. Therefore, it can improve the quality of financial statements.

The Impact of Competitive Quasi-Market on Service Delivery in Benue State University, Makurdi Nigeria

GIS Business ◽  
2019 ◽  
Vol 14 (4) ◽  
pp. 85-98
Author(s):  
Idoko Peter
Keyword(s):  
Service Delivery ◽  
A Priori ◽  
Least Square ◽  
Secondary Source ◽  
State University ◽  
Ordinary Least Square ◽  
Negative Effect ◽  
The Impact ◽  
The Relationship

This research the impact of competitive quasi market on service delivery in Benue State University, Makurdi Nigeria. Both primary and secondary source of data and information were used for the study and questionnaire was used to extract information from the purposively selected respondents. The population for this study is one hundred and seventy three (173) administrative staff of Benue State University selected at random. The statistical tools employed was the classical ordinary least square (OLS) and the probability value of the estimates was used to tests hypotheses of the study. The result of the study indicates that a positive relationship exist between Competitive quasi marketing in Benue State University, Makurdi Nigeria (CQM) and Transparency in the service delivery (TRSP) and the relationship is statistically significant (p<0.05). Competitive quasi marketing (CQM) has a negative effect on Observe Competence in Benue State University, Makurdi Nigeria (OBCP) and the relationship is not statistically significant (p>0.05). Competitive quasi marketing (CQM) has a positive effect on Innovation in Benue State University, Makurdi Nigeria (INVO) and the relationship is statistically significant (p<0.05) and in line with a priori expectation. This means that a unit increases in Competitive quasi marketing (CQM) will result to a corresponding increase in innovation in Benue State University, Makurdi Nigeria (INVO) by a margin of 22.5%. It was concluded that government monopoly in the provision of certain types of services has greatly affected the quality of service experience in the institution. It was recommended among others that the stakeholders in the market has to be transparent so that the system will be productive to serve the society effectively

scholarly journals Dampak Ekonomi dan Kesehatan pada Konsumen Rokok Elektronik di Kota Bandung

2019 ◽  
Author(s):  
Estro Dariatno Sihaloho ◽  
Irlan Adiyatma Rum
Keyword(s):  
Electronic Cigarettes ◽  
Economic Effects ◽  
Electronic Cigarette ◽  
Least Square ◽  
Cigarette Consumption ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
Different Characteristics

Consumers of conventional cigarettes have begun to switch to using electronic cigarettes. Having different characteristics of these two kinds of cigarettes make the different health and economic effects to consumers. This study uses Ordinary Least Square (OLS) method to analyze the influence of electronic cigarette usage on conventional cigarette usage in Bandung in 2017. This study used 200 respondents of electronic cigarette users. This study uses the amount of conventional cigarette consumption after using electronic cigarette per day (Y) as the dependent variable. For independent variables, this study uses conventional cigarette consumption before using electronic cigarette per day (X1), total liquid of electronic cigarette consumption per month (X2), monthly electronic cigarette expenditure (X3), and respondent's perception whether using electronic cigarette more healthy (X4). Regression results showed that X1 and X4 have significant effect on Y. The increase of 1 stem of conventional ciga-rettes consumption before using electronic cigarette per day (X1) will increase the consumption of conventional cigarettes after using electronic cigarette per day (Y) of 0.1618005 stem. While with the respondent's perception that using electronic cigarette is healthier (X4) will reduce the consumption of conventional cigarettes (Y) as much as 5.169504 stems

scholarly journals Pengaruh umur, pendidikan, upah, keterampilan, dan jenis kelamin terhadap lama mencari kerja bagi pekerja terdidik di Kota Jambi (studi kasus Kecamatan Kota Baru dan Telanaipura)

2020 ◽  
Vol 9 (1) ◽  
pp. 1-12
Author(s):  
Cici Swarsih ◽  
Junaidi Junaidi ◽  
Rosmeli Rosmeli
Keyword(s):  
Sampling Method ◽  
Least Square Method ◽  
Total Sample ◽  
Least Square ◽  
Primary Data ◽  
Wage Level ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
And Gender ◽  
Multistage Sampling

This study aims to analyze the characteristics of educated workforce and to determine the effect of variables of age, education, wage level, skills and gender on duration of looking for work by educated worker in Jambi City. The data used in this study are primary data obtained from questionnaires and direct interviews with a total sample of 110 respondents. Sampling in this study uses a multistage sampling method that is sampling in stages. Data analysis methods used are descriptive and quantitative analysis. The analytical tool used is the OLS (Ordinary Least Square) method. The results of this study indicate that the independent variables simultaneously have a significant effect on duration of looking for work. Partially the variables of age, education, wage level have a significant effect on duration of looking for work, while the skills and gender variables have no significant effect on the duration of looking for work.

scholarly journals Fraud Pentagon Model for Detecting Fraudulent Financial Reporting in Banking Sector

2020 ◽  
Vol 8 (6) ◽  
pp. 2832-2838
Keyword(s):  
Financial Reporting ◽  
Banking Sector ◽  
Influencing Factor ◽  
Secondary Data ◽  
Least Square ◽  
Fraudulent Financial Reporting ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
Section Data ◽  
Recent Trends

Many discussions and opinions of experts who produce endangement or tools to detect the possibility of fraud in reporting financial performance. One of the most recent trends is the Pentagon fraud approach. Pentagon is a form that has five sides, there are five categories of causes of fraud in pentagon fraud, namely: pressure, opportunity, rationalization, competence and arrogance. Our research takes samples from banks, because the sector is the most common case of fraud. We made this quantitative secondary data-based research to have written evidence for reference in banking sectors. We use cross section data from 2016 year ends up to 2018. We own 35 samples from three years period, the total of 105 samples. We use ordinary least square using nine independent variables and one dependent variable. After conducting this research, we found that opportunity is the most influencing factor for company in banking sector to do fraud. While the others factor has no significant effect.

scholarly journals Determinants of Household Debt in Malaysia from the year 2010 to 2017

2019 ◽  
Vol 5 (2) ◽  
pp. 91
Author(s):  
Zahariah Mohd Zain ◽  
Nurul Ainun Ahmad Atory Ahmad Atory ◽  
Sarah Amirah Hanafi
Keyword(s):  
Positive Relationship ◽  
Negative Relationship ◽  
Housing Price ◽  
Least Square ◽  
Household Debt ◽  
Macroeconomic Variables ◽  
Explanatory Variables ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
Lending Rate

Household debt has become an issue in the Malaysian economy as it affects the country socially and economically.This study aims to examine the determinants of household debt from the year 2010 until 2017. This study employs the Ordinary Least Square (OLS) method and the macroeconomic variables used in this study are Gross Domestic Product (GDP), base lending rate, unemployment and housing price as independent variables. The results indicate that the trend of household debt in Malaysia has shown a continuous rise from the year 2010 to 2017. GDP, base lending rate and housing price indicate a positive relationship towards household debt while unemployment shows a negative relationship to household debt in Malaysia. All explanatory variables have shown a significant relationship except for GDP. Housing price has been found to be the most significant factor and positively related to household debt. The findings indicate that the higher the price of houses, the higher the household debt will be.

scholarly journals PENGARUH SOLVABILITAS DAN INTELLECTUAL CAPITAL TERHADAP EFFECTIVE TAX RATE MELALUI KUALITAS INFORMASI AKUNTANSI

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Sihar Tambun
Keyword(s):  
Intellectual Capital ◽  
Accounting Information ◽  
Tax Avoidance ◽  
Least Square ◽  
Effective Tax Rate ◽  
Tax Rate ◽  
Purposive Sampling ◽  
Ordinary Least Square ◽  
Quality Of Accounting Information

Abstrak: Artikel ini memaparkan pengaruh dari solvabilitas dan intellectual capital pada kualitas informasi akuntansi, serta dampaknya terhadap effective tax rate. Solvabilitas dan inntellectual capital sebagai variabel independen dalam penelitian ini. Kualitas informasi akuntansi sebagai varibael mediasi, dan efektive tax rate sebagai variable dependen. Sample dipilih dengan metode purposive sampling, dan menghasilkan 20 emiten dari sektor industri barang konsumsi periode tahun 2013-2017. Metode analisis menggunakan metode estimasi ordinary least square untuk model yang menguji pengaruh langsung. Untuk pengujian pengaruh tidak langsung, menggunakan metode two least square. Hasil penelitian membuktikan bahwa intellectual capital dan solvabilitas mempengaruhi kualitas informasi akuntansi. Kemudian, kualitas informasi akuntansi dan intellectual capital mempengaruhi efketif tax rate. Secara tidak langsung, intellectual capital dan solvabilitas mempengaruhi efektive tax rate melalui kualitas informasi akuntansi.   Kata Kunci: Solvabilitas, Intellectual Capital, Kualitas Informasi Akuntansi, Tax Avoidance, Efektive Tax Rate Abstract: This article describes the effect of solvency and intellectual capital on the quality of accounting information, and its impact on effective tax rate. Solvency and intellectual capital as independent variables in this research. The quality of accounting information as variable mediation, and the effectiveness tax rate as the dependent variable. Sample is chosen by purposive sampling method, and produces 20 emitters from consumer goods industry sector in the period of 2013-2017. The analytical method uses ordinary least square estimation methods for models that test direct effect. For testing indirect effect, using two least square methods. The results prove that intellectual capital and solvency affect the quality of accounting information. Then, the quality of accounting information and intellectual capital affects the effective tax rate. Indirectly, intellectual capital and solvency affect the effectiveness of tax rate through the quality of accounting information.Keywords: Solvency, Intellectual Capital, Quality Accounting Information, Tax Avoidance, Effective Tax Rate

scholarly journals PENGARUH PRODUK DOMESTIK BRUTO DAN SBI TERHADAP PENERIMAAN PAJAK DI INDONESIA

2020 ◽  
Vol 1 (1) ◽  
Author(s):  
Rahmanta Ginting
Keyword(s):  
Time Series ◽  
Research Result ◽  
Least Square ◽  
Domestic Product ◽  
Tax Revenue ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
Dependent Variables ◽  
Negative Effect ◽  
Positive Effect

The research to analyse effect net domestic product and SBI on tax revenue in Indonesia with independent variables  net domestic product and SBI also dependent variables tax revenue. Data is a time series between 1981 - 2010 with ordinary least square (OLS) and the model of formula used is multiply linier regression.  The research result shows that net domestic product gives a positive effect and significant on tax revenue in Indonesia on 99% level. While SBI has a negative effect and significant on tax revenue in Indonesia on 90% level.

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