scholarly journals An Analysis on the Factors Affecting Credit Selection In BPR to Increase Competitiveness (BPR Case Study in Surabaya)

2020 ◽  
Vol 4 (2) ◽  
pp. 159
Author(s):  
Nobertus Purnomo Lastu ◽  
Werner Ria Murhadi ◽  
Ratna Widyanti W
Keyword(s):  
Financial Institutions ◽  
Commercial Banks ◽  
Commercial Banking ◽  
Competitive Advantages ◽  
Factors Affecting ◽  
Determinant Factors ◽  
Factors Influencing ◽  
Logistic Method ◽  
Main Factors

Bank Perkreditan Rakyat (BPR) is part of  the  banking  financial institutions  apart from the commercial  banking. .One of the activities of the BPR is to distribute the credits as done by the commercial banks. Problems. BPR as micro financial institutions, in doing their business to  distribute  the credit up to certain amount, are faced with  the  commercial banks  which  have more  competitive advantages, both in the price  and facilities provided. Objective of this research is to identify the factors influencing the customers in making decisions to take the credit at BPR. By identifying the determinant factors in choosing the banks, BPR can use it to improve their services to the customers and at the same time BPR can use it as a strategy in  giving credit to the customers or debtors. The metode employed in this study was regressive logistic method, which was  used to  identify  what factors determine the customers to choose credit at BPR. The conclusion is that the procedures and personality of staff are the main factors making the customers choose credit at BPR

scholarly journals Governance of Vietnam's Financial Institutions in Accordance with International Standards until 2020

2016 ◽  
Vol 23 (01) ◽  
pp. 50-76
Author(s):  
Huong Tram Thi Xuan ◽  
Canh Nguyen Phuc ◽  
Nhu Nguyen Tu
Keyword(s):  
Multiple Regression ◽  
Financial Institutions ◽  
Commercial Banks ◽  
Banking System ◽  
Commercial Banking ◽  
International Standards ◽  
Bank Performance ◽  
Related Factors ◽  
Regression Approach ◽  
Shed Light

In this article, using a combination of risk-related factors, we address the governance of financial institutions, mainly Vietnam’s commercial banks, in light of such international standards as of Basel II and III. Additionally, we employ multiple regression approach to shed light on the effect of each type of risk on bank performance and propose a few recommendations for effectively governing the commercial banking system of Vietnam until 2020.

scholarly journals Alternate Strip Clearcutting in Upland Black Spruce: II. Factors Affecting Regeneration in First-cut Strips

1987 ◽  
Vol 63 (6) ◽  
pp. 439-445 ◽  
Author(s):  
John K. Jeglum
Keyword(s):  
Natural Regeneration ◽  
Black Spruce ◽  
Mineral Soil ◽  
Strip Width ◽  
Seedling Density ◽  
Factors Affecting ◽  
Topographic Position ◽  
Factors Influencing ◽  
Main Factors ◽  
Upper Slope

In a two-cut, alternate strip clearcutting system in upland black spruce, the main factors influencing black spruce regeneration in the first-cut strips were strip width, natural seeding period, amount of receptive seedbed and topographic position. In the three study areas, 80-m strips yielded over 60% stocking and over 7 500 seedlings per hectare with a 4-year natural seeding period. Narrower strips 40 m and 20 m wide showed increasing levels of reproduction. Four years of natural seeding gave better natural regeneration than two years. Seedling density and frequency in quadrats were correlated with the amount of receptive seedbed. Regeneration was more abundant on drainageways and lower slopes, and less abundant on upper slope and crest sites. For successful regeneration under similar climatic and physiographic conditions, strip widths should be no more than 80 m, and leave times no less than 3 years. It is essential to scarify the upland mineral soil sites, but scarification of lowland sites is not recommended, especially where there is abundant Sphagnum.

Investigation of Factors Affecting Adoption of FinTech in Financial Institutions

2021 ◽  
pp. 222-241
Author(s):  
Subhashini Sailesh Bhaskaran
Keyword(s):  
Literature Review ◽  
Technology Acceptance ◽  
Financial Institutions ◽  
Positive Relationship ◽  
Investment Decisions ◽  
Ease Of Use ◽  
Financial Assistance ◽  
Factors Affecting ◽  
Use Of Technology ◽  
Main Factors

FinTech, a compound term for financial technology, signifies the usage of technology to provide financial assistance. Ever since its evolution FinTech has been growing tremendously, despite its positive and negative aspects. In the literature review, there are many factors affecting the adoption of FinTech. It was found that the ease of use of technology (Technology Acceptance Theory), investment decisions in crowdfunding (Decision Theory), and the risks involved in the adoption of FinTech (Prospect Theory) are the main factors that might affect the adoption of FinTech. However, there is a paucity of studies linking all these factors in the adoption of FinTech using these theories. This research project investigates the influence of these factors in the adoption of FinTech. In order to analyze these factors, a questionnaire was used. As a result, it was found that there is a positive relationship between the ease of use and FinTech's adoption; between FinTech's adoption and investment decisions in crowdfunding and between the level of risks when adapting to FinTech. Keywords: FinTech; Factors; Bahrain; Adoption; Financial Institutions

scholarly journals Customer Satisfaction in Retail Banking Services in Nepal

2019 ◽  
Vol 12 (1) ◽  
pp. 45-58
Author(s):  
Phul Prasad Subedi
Keyword(s):  
Regression Analysis ◽  
Customer Satisfaction ◽  
Financial Institutions ◽  
Commercial Banks ◽  
Retail Banking ◽  
Descriptive Statistics ◽  
Banking Services ◽  
Factors Affecting ◽  
Independent Variables ◽  
The Relationship

This research mainly focuses on analysing the factors affecting customer satisfaction in retail banking in Nepal. The study adopts descriptive and explorative research design to deal with the fundamental issues associated with various factors of customers’ satisfaction and retail banking. The study is based on questionnaire survey of 200 customers of 10 different “A” class financial institutions, i.e. commercial banks. Descriptive statistics, correlation coefficient and regression analysis have been applied to estimate the relationship between customer satisfaction as dependent variable and service quality variables as independent variables. The empirical evidences indicate that reliability, responsiveness, assurance and tangibles factors have positive and significant impact on customer satisfaction. It reveals that higher the level of responsiveness, reliability, assurance and tangibility higher would be the customer satisfaction.

Factors Influencing Classroom Participation: A Case Study of Bhutanese Higher Secondary Student

2019 ◽  
pp. 1-14
Author(s):  
Lekh Raj Ghalley ◽  
Budhi Man Rai
Keyword(s):  
Classroom Participation ◽  
School Students ◽  
Factors Affecting ◽  
Factors Influencing ◽  
Language Classroom ◽  
Seeking Help ◽  
Asking Questions ◽  
Teaching Learning ◽  
Speak Up

Students are encouraged to actively participate in classroom. Nevertheless, many of them were still reluctant to speak up. This paper discussed the factors which influenced classroom participation in Bhutanese context. Both interviews and observation were used to collect data from the field. Interview was conducted with 20 students from class XI comprising 10 males and 10 females. The goal was to identify the forms and level of participation, and subsequently to select the students in terms of active or passive participation in the classroom. Observation was done for a period of 5 weeks of teaching in three classes in class XI. Their forms of participation were recorded throughout the teaching hours.  The findings showed that majority of Bhutanese students were involved in passive participation: Sitting quietly, writing notes, listening and paying attention. Interestingly, a good number of students was also actively involved in asking questions, giving opinion, responding opinion, discussion, making comment and seeking help. The interview data showed that the factors influencing classroom participation were teachers, friends, classroom size, advance preparation and language. Classroom participation also entailed positive benefits in teaching-learning process. However, the findings would serve as guide or insight for teachers and learners regarding the factors affecting students’ participation among school students. This also assist teachers and learners to take into the accounts the way to overcome students’ problems such as a fear of participation in the classroom and thus increase motivation.

Analysis on Factors Influencing and Numerical Simulation of Hot Stamping Mold Cooling System

2014 ◽  
Vol 644-650 ◽  
pp. 16-20
Author(s):  
Hong Mei Yang
Keyword(s):  
Heat Transfer ◽  
Numerical Simulation ◽  
Cooling System ◽  
Hot Stamping ◽  
Cooling Water ◽  
Factors Affecting ◽  
Stamping Die ◽  
Factors Influencing ◽  
Main Factors ◽  
And Performance

Cooling system is an important component of hot stamping dies, directly affects the quality and performance of the product. This article studies the work of hot stamping die process variation in temperature and heat transfer methods, analyzes the main factors affecting the cooling effect, and the use of numerical simulation of the flow of cooling water to simulate the state, and proposed rationalization proposals.

scholarly journals ECONOMIC DEVELOPMENT UNDER REFORM AND WORLD INTEGRATION AND THE MAIN FACTORS INFLUENCING THE ECONOMIC GROWTH IN VIETNAM

2011 ◽  
Vol 14 (1) ◽  
pp. 5-27
Author(s):  
Canh Thi Nguyen ◽  
Son Hung Tran
Keyword(s):  
Economic Growth ◽  
Economic Development ◽  
Quantitative Model ◽  
Poverty Rate ◽  
Living Standards ◽  
Capital Investments ◽  
Factors Affecting ◽  
Factors Influencing ◽  
Reform Period ◽  
Main Factors

The purpose of this paper was to give an overview of economic development under reform and world integration and to evaluate the main factors influencing the growth of the Vietnamese economy during the reform period (1990-2009). Based on statistical data on the Vietnamese economy in the period of 1990-2009, this study analyzed the factors affecting economic growth. The policy changes, economic development, poverty rates and living standards of Vietnamese population are analyzed over the reform period using qualitative methods. The results of this study show that economic growth under reform and world integration has reduced the poverty rate and increased living standards of population in Vietnam. An evaluation of the factors influencing economic growth is made using a quantitative model of total factor productivity (TFP) and another econometric model. The findings from this quantitative analysis show that the growth of the Vietnamese economy was determined by two factors: (1) capital investments, including foreign direct investment (FDI) and (2) the growth of exports. The results of these qualitative and quantitative analyses lay the foundation for policy recommendations for Vietnam Government to develop economy in the future.

scholarly journals Factors influencing the intention to subscribe to voluntary social insurance of farmers: A case study in Phu Yen Province

2019 ◽  
Vol 2 (4) ◽  
pp. 54-62
Author(s):  
Hoang Thu Thuy ◽  
Bui Hoang Minh Thu
Keyword(s):  
Social Insurance ◽  
Primary Data ◽  
Risk Awareness ◽  
Insurance Policy ◽  
Factors Affecting ◽  
Independent Variables ◽  
Factors Influencing ◽  
Policy Attitude ◽  
Policy Mechanisms

To verify the factors affecting the intention to subscribe to voluntary social insurance of farmers in Phu Yen Province, the study made use of primary data collected from the survey on 325 farmer households in 4 localities in Phu Yen. Employing a model with 7 independent variables, we found that the intention to voluntary subscription to social insurance of Phu Yen farmers is determined by 5 factors, including “Awareness of voluntary social insurance policy”, “Attitude towards subscription”, “Risk awareness”, “Subscription procedures”, and “Moral responsibility”. Based on this result, we propose some policies to encourage farmers in Phu Yen to voluntarily participate in social insurance, in particular renewing organizing quality, raising farmers’ awareness of the necessity for voluntary social insurance, improving policy mechanisms and strengthening the State’s management.

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