Profitability of Tripura Gramin Bank and Regional Rural Bank in India: A comparison

GIS Business ◽  
2020 ◽  
Vol 15 (1) ◽  
pp. 313-330
Author(s):  
Puranjan Chakraborty ◽  
Dr. Ram Chandra Das
Keyword(s):  
Rural Areas ◽  
Secondary Data ◽  
Least Square Method ◽  
Financial Inclusion ◽  
Least Square ◽  
Annual Reports ◽  
Coefficient Of Determination ◽  
Socioeconomic Condition ◽  
Operating Profit ◽  
The Status

Tripura Gramin Bank (TGB) is the only Regional Rural Bank operating in Tripura since it’s inception in 1976. The bank was introduced for economic development of rural areas of Tripura. The prime objective of this bank was amelioration of socioeconomic condition of rural people of Tripura. The present study is an attempt to examine the status of the bank on profitability with an angle to look into financial inclusion in the state. Secondary data is used from the Annual Reports of TGB for the study period. Select parameters i.e. total income, total expenditure, non-interest income, operating expense, operating profit, net profit is used for the study. Select statistical tools i.e. CAGR, average, standard deviation, least square method; coefficient of determination is used to measure the status of profitability of TGB. The study reveals that, during the study period the profitability of TGB is improved which is the result of improvement of financial inclusion.

scholarly journals Determinan Jumlah Uang Beredar, Tingkat Bunga, dan Inflasi Terhadap Pertumbuhan Ekonomi Indonesia

Al-Buhuts ◽  
2019 ◽  
Vol 15 (2) ◽  
pp. 45-64
Author(s):  
Adya Utami
Keyword(s):  
Economic Growth ◽  
Interest Rate ◽  
Money Supply ◽  
Negative Relationship ◽  
Secondary Data ◽  
Least Square Method ◽  
Least Square ◽  
Coefficient Of Determination ◽  
Independent Variable ◽  
The Interest Rate

This study aims to determine the determinants of the money supply, the interest rate, and inflation on Indonesia's economic growth in the 2009-2018 period. This research uses descriptive method and is strengthened by the OLS (ordinary least square) method with secondary data. The data used is sourced from the Central Statistics Agency and Bank Indonesia. The results of this study indicate that the money supply and the interest rate have a negative effect but inflation has a positive effect on Indonesia's economic growth. The JUB variable is not significant with a probability value of 0.1326. The JUB regression coefficient value has a negative relationship to the economic growth variable with a coefficient of 0.9288. The interest rate variable entered in the above equation turns out to be negative and significant with a probability value of 0.0571. The value of the coefficient of the exchange rate is (0.4843). The independent variable inflation gives a negative and not significant result with a probability value of 0.1134. Inflation coefficient value is 0.1724. In the equation model that uses economic growth as the dependent variable above, the magnitude of the coefficient of determination (R Squared) is 0.573429. This shows that the ability of the independent variable in explaining the diversity of the independent variables is 57.34% while the remaining 42.66% is influenced by other variables not included in the model.

Electronic fraud: an emerging cause of bank failure in Nigerian deposit money banks

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Folowosele Folarin Akinwale ◽  
Ikpefan Ochei Ailemen ◽  
Isibor Areghan
Keyword(s):  
Deposit Insurance ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Least Square Method ◽  
Least Square ◽  
Annual Reports ◽  
Content Type ◽  
Ordinary Least Square ◽  
Unethical Practices ◽  
The Impact

Purpose This study aims to review the degree to which fraud and other unethical practices especially in the digital space have affected the Nigerian banking industry both in the past and present, and how it will be a growing concern in the imminent future. The objective of the study was to examine the impact of electronic fraud on the quality of assets and return on assets of Nigerian deposit money banks. Design/methodology/approach The research used secondary data for the periods 2006 till 2018, which were collected from the Nigeria Deposit Insurance Corporation annual reports. Descriptive analysis and the ordinary least square method of regression analysis were used for data analysis. Findings Findings revealed that electronic fraud cases increased progressively over most of the years of study, which can be attributed to the increased bank products that are electronic-based. Originality/value Many of the reviewed literature examined electronic fraud and its impact on bank profitability but this study examined the cause of electronic fraud and what can be done to curtail it.

scholarly journals Hydro-Oceanographic Characteristics In Karimunjawa Coastal Waters During The 1st Transitional Season

Jurnal Segara ◽  
2021 ◽  
Vol 17 (2) ◽  
pp. 107
Author(s):  
Yulius Yulius ◽  
Joko Prihantono ◽  
Dino Gunawan ◽  
Muhammad Ramdhan ◽  
August Daulat ◽  
...  
Keyword(s):  
Coastal Waters ◽  
Secondary Data ◽  
Acoustic Doppler Current Profiler ◽  
Least Square Method ◽  
Least Square ◽  
Ocean Current ◽  
Primary Data ◽  
Peak Period ◽  
Waves And Currents ◽  
Matlab Programming

This study aims to determine oceanographic characteristics such as tides, waves, and currents in Karimunjawa Coastal Waters during the 1st transitional season and to update the oceanographic database for spatial management evaluation in the region. The tidal characteristics were obtained from the least square method analysis using World Tide software based on Matlab programming language, while wave and current characteristics obtained from 2-dimensional numerical modeling using Mike 21 software on the flow model and spectral wave module. The primary data used were the significant wave height (Hs), wave peak period (Tp), and ocean current components (u and v velocity) on 13-26 May 2016 using the Sontex Argonaut XR type Acoustic Doppler Current Profiler (ADCP) equipment. Tide data were predicted for the Kemujan Islands station from 1-31 March 2020. Secondary data for additional numerical model input were obtained from ERA5-reanalysis in the form of Hs, Tp, u, and v wind velocity data for May 2020 with a temporal resolution of 20 minutes, while bathymetry data derived from GEBCO Satellite Derivated Bathymetry (SDB) data. The tide analysis results showed that Karimunjawa waters are a single daily mixed tidal type. The wave characteristic moves from east to west with high waves reached 0.9 meters and a peak period of 7 seconds. The eastern side of Karimunjawa Island, Kemujan Island, and the western area have a calmer wave. The current characteristic moves northeastward with a speed of 5-28 cm/s, which concludes that in several locations, such as the Menjangan Besar-Menjangan Kecil strait, the currents depend on the tidal conditions.

scholarly journals Evaluating the Group Lending Development at the Vietnam Bank for Agriculture and Rural Development: A Case Study in Bac Giang Branch II

2021 ◽  
Vol 3 (3) ◽  
pp. 679-688
Author(s):  
Do Quang Giam ◽  
Dao Thi Hoang Anh ◽  
Vu Ngoc Huyen ◽  
Lai Phuong Thao ◽  
Dao Huu Bao ◽  
...  
Keyword(s):  
Rural Development ◽  
Rural Areas ◽  
Poverty Reduction ◽  
Secondary Data ◽  
Primary Data ◽  
Small Scale ◽  
Political Organizations ◽  
Group Lending ◽  
The Status ◽  
Lending Activity

Group-based lending is a form of loan provision for individuals and households in rural areas for production and consumption purposes. Proceeding from the imbalance between demand and supply on small-scale capital, and also Government policies on sustainable poverty reduction, the Vietnam Bank for Agriculture and Rural Development (Agribank) has coordinated with its local authorities and socio-political organizations to provide loan services via group lending. The purpose of this paper was to evaluate the status of group lending development of the Agribank-Bac Giang Branch II. The paper used secondary data collected from the branch and primary data gathered from 50 representative customers and 10 credit officers related the group lending of the branch. Data analysis methods consisted of descriptive statistics and comparative analysis, incorporated with the measurements for bank performance and quality. The findings show positive prospects in both the bank and customers for the development of group lending activity and obstacles in the group lending development of the branch. The paper also proposes some solutions for the branch to tackle difficulties and promote the development of group lending in the branch in Bac Giang province.

Women’s Participation in Panchayati Raj– An Analysis

LAW REVIEW ◽  
2018 ◽  
Vol 37 (01) ◽  
Author(s):  
Sangita Laha
Keyword(s):  
Political Participation ◽  
Rural Women ◽  
Rural Areas ◽  
Local Governance ◽  
Theoretical Perspective ◽  
Secondary Data ◽  
Constitutional Amendment ◽  
The Status ◽  
The Government ◽  
Panchayati Raj

Women have been struggling for self-respect and autonomy. Although women constitute one half of the population, they continue to be subjugated, unequal in socioeconomic and political status.There have been several attempts to improve the position of women since India got independence in 1947. Since mid-1980 owing to questioning by women themselves about their oppressed status and plight through varied women’s movements, the issue of ‘women empowerment’ came into focus. The Government of India declared the year 2001 as year for the ‘Empowerment of Women’, but the struggle to reach this stage has been long and arduous. . It has also resulted in the entry of a large number of women in decision-making bodies in rural areas, who were otherwise homemakers. Political participation and grassroots democracy have been strengthened considerably by the 73rd Constitutional Amendment that has created new democratic institutions for local governance yet t women are facing the various problem in the functioning of panchayats. After getting the reservation in the panchayats, they are still depending on their husband or other male members of their family. So for knowing the status of women in the all level of panchayats in India, this paper is based on the secondary data and deals with the political participation and representation of the rural women in the panchayats in India. The theoretical perspective of the evolution of the panchayati raj system in India and the journey of the women in the local governance has also been explained in the study.Several factors which responsible for women’s low participation have been dealt with.In this context, the paper tries to analyse the government initiative for women’s empowerment in the Panchyats, an opportunity to come forward through reservation and highlighting the factors which overtly or covertly tend to prevent women members from performing their roles. Some necessary steps for empowering the women have been suggested.

Can financial inclusion reduce the presence of corruption? Evidence from selected countries in Africa

2020 ◽  
Vol 47 (11) ◽  
pp. 1345-1362
Author(s):  
Folorunsho M. Ajide
Keyword(s):  
Random Effect ◽  
Secondary Data ◽  
Threshold Level ◽  
Financial Inclusion ◽  
Least Square ◽  
African Countries ◽  
Content Type ◽  
The Impact ◽  
Control Of Corruption

PurposeThe purpose of this paper is to evaluate the impact of financial inclusion (FI) on control of corruption in selected African countries.Design/methodology/approachThe study employs secondary data spanning over a period of 2005–2016. These data are sourced from IMF's International Financial Statistics, World Bank Development Indicators, Global Financial Development Database, Transparency International and International Country Risk Guide. The author uses Sarma (2008) approach to construct the FI index for 13 countries in Africa. The author applies random effect, robust least square and instrumental variable (IV) estimations to examine the impact of FI on control of corruption in Africa.FindingsThe author finds that financial inclusion improves the control of corruption. The author tests for possible FI threshold to avoid the case of extreme FI in Africa. The results show that there is a threshold level if reached, FI would have negative impacts in the control of corruption. This may likely happen mainly due to weak institutions in Africa. The results are robust to alternative proxy for control of corruption and various alternative estimation techniques.Practical implicationsThe finding indicates that FI can serve as part of toolkits for reducing corruption in Africa.Originality/valueThis study stresses the important role of FI in the economic system. It is the first paper that empirically suggests the role of FI in controlling corruption in Africa.

A New Tool Wear Examination Model by Least Square Method for Shearing Process of Thin Metal Sheet

2004 ◽  
Vol 126 (2) ◽  
pp. 395-404 ◽  
Author(s):  
Zone-Ching Lin ◽  
Dar-Yuan Chang
Keyword(s):  
Flank Wear ◽  
Least Square Method ◽  
Normal Direction ◽  
Least Square ◽  
Machining Process ◽  
Wear Depth ◽  
Wear Area ◽  
Material Loss ◽  
The Status ◽  
Straightness Error

A new method that accounts for material loss in the normal direction has been developed. Most research applied wear length and wear area to present the status of the tool. Nevertheless, these methods cannot detect the wear in the normal direction of the contact surface between tool and material, and cannot make accurate judgments in precision machining process. In the proposed model, both of the least square lines of the inspected positions and the least square planes of the examined flanks calculating by the wear depth of measuring points are used to infer the relative wear indices, such as flank wear angle, wear depth of punch top face, straightness error, area loss, and volume loss of punch flanks. By using these indices more objective estimations can be acquired than that of wear length and wear area. A series of shearing experiments of thin phosphor bronze sheet are executed to explore the effects of shearing parameters on punch flank wear, and several regressive equations are derived to express the relationships between the wear indices and number of shearing strokes.

scholarly journals Impulse of Dividend Payment Decision: Evidence from Pharmaceutical Industry in Bangladesh

2017 ◽  
Vol 9 (1) ◽  
pp. 219
Author(s):  
Ariful Hoque
Keyword(s):  
Stock Exchange ◽  
Secondary Data ◽  
Least Square Method ◽  
Agency Cost ◽  
Least Square ◽  
Pharmaceutical Companies ◽  
Financial Leverage ◽  
Dividend Payment ◽  
Explanatory Variables ◽  
Prime Objective

The dividend is the reward of shareholders of an organization in exchange for time and risk. For maximizing shareholder’s wealth, optimum dividend payout ratio is essential. The prime objective of this paper is to identify impulse of dividend payment decision of listed pharmaceutical companies in Dhaka Stock Exchange of Bangladesh. Dividend payment decision is the dependent variable and profitability, firm’s size, financial leverage, growth, and agency costs are taken as explanatory variables in this study. Collected secondary data are analyzed by econometrics software Eviews 8 through least square method. Formulated multiple regression models show value of R-square (R2) is 0.604817. R-square (R2) value indicates explanatory variables explain 60.48% variation of the dependent variable. The study also reveals that profitability and agency cost positively influence the dividend payment decision and firm’s size, financial leverage, growth negatively impact on the dividend payment decision of selected pharmaceutical companies. Among explanatory variables, profitability is not statistically significant at 5% significant level whereas firm’s size, financial leverage, growth and agency cost are found statistically significant at 5% significant level. So this paper finds that listed pharmaceutical companies in Dhaka Stock Exchange must consider firm’s size, financial leverage, growth and agency cost in their dividend payment decision.

scholarly journals Determinants of Capital Adequacy among the Commercial Banks in Ghana

2020 ◽  
pp. 88-95
Author(s):  
Ernest Somuah Annor ◽  
Fredrick Somuah Obeng ◽  
Nelly Opoku Nti
Keyword(s):  
Commercial Banks ◽  
Fixed Effects ◽  
Banking System ◽  
Secondary Data ◽  
Least Square ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Independent Variables ◽  
Strict Compliance ◽  
Asset Quality

The study examined the determinants of capital adequacy among selected commercial banks in Ghana. Eight banks were sampled for the periods 2009-2016, secondary data was gathered from the annual reports of selected banks as well as the Ghana Banking Survey authored by Price Waterhouse Coopers Ghana (PWC). A balanced panel approach was employed in investigating the determinants of capital adequacy among selected commercial banks in Ghana whilst comparing estimates of pooled OLS, random and fixed effects models and the generalized least square models to ascertain the robustness of the model. The finding suggests that all the independent variables statistically and significantly influence capital adequacy. While non-performing loans negatively relate to CAR, LFTD and ROA positively impact CAR or asset quality. It is recommended that the central bank and various banks operating in Ghana pay attention to strict compliance with the regulatory regimes to keep banks sound and fit to withstand distress and losses which may, in turn, affect the banking system and economy in entirety.

scholarly journals ANALISIS BIAYA-VOLUME-LABA SEBAGAI ALAT PERENCANAAN LABA JANGKA PENDEK PADA PERUSAHAAN DAERAH AIR MINUM TIRTA TARUM KAB. KARAWANG

2018 ◽  
Vol 3 (1) ◽  
Author(s):  
Ade Suhara ◽  
Amallia .
Keyword(s):  
Analytical Method ◽  
Secondary Data ◽  
Least Square Method ◽  
Least Square ◽  
Sales Forecast ◽  
Profit Analysis ◽  
Cost Planning ◽  
Projection Analysis ◽  
Cost Projection ◽  
Made In

ABSTRACT: PDAM Tirta Tarum Kab. Karawang from 2012 to 2014 shows that profits continue to decline, if this continues to be allowed then PDAM Tirta Tarum Kab. Karawang will suffer losses. Therefore the main problem in this study is how sales planning, cost planning and profit planning are expected by applying cost-volume-profit analysis and how the comparison between cost projections made by PDAM Tirta Tarum Kab. Karawang with cost projections resulting from cost-volume-profit analysis. The data needed is secondary data obtained from PDAM Tirta Tarum Kab. Karawang in the form of data on PDAM profits in 2011 - 2014, total costs in 2011 - 2014, details of elements of 2014 income and projections of company costs according to the project feasibility study made in 1998. The analytical method used is cost separation analysis, least square method trend, break-even analysis, sales forecast analysis, cost projection analysis, 2015 profit planning and comparison of company cost projections with cost projections resulting from profit-volume-profit analysis. ABSTRAK PDAM Tirta Tarum Kab. Karawang dari tahun 2012 hingga tahun 2014 menujukkan keuntungan yang terus menurun, bila hal ini terus dibiarkan maka PDAM Tirta Tarum Kab. Karawang akan mengalami kerugian. Oleh karena itu permasalahan utama dalam penelitian ini adalah bagaimana perencanaan penjualan, perencanaan biaya dan perencanaan laba yang diharapkan dengan penerapan analisis biaya-volume-laba dan bagaimana perbandingan antara proyeksi biaya yang dilakukan PDAM Tirta Tarum Kab. Karawang dengan proyeksi biaya hasil analisis biaya-volume-laba. Data yang diperlukan merupakan data sekunder yang diperoleh dari PDAM Tirta Tarum Kab. Karawang berupa data keuntungan PDAM tahun 2011 - 2014, total biaya tahun 2011 – 2014, perincian elemen-elemen laba rugi tahun 2014 dan proyeksi biaya perusahaan menurut studi kelayakan proyek yang dibuat tahun 1998. Metode analisis yang digunakan adalah analisis pemisahan biaya, metode least square trend, analisis impas, analisis forecast penjualan, analisis cost proyeksi, perencanaan laba tahun 2015 dan perbandingan proyeksi biaya perusahaan dengan proyeksi biaya hasil analisis biaya-volume-laba. Kata Kunci : Least Square Trend, Forecast

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