scholarly journals Does Borrower’s Personality Affects the Repayment of the Loan? A Study of Banking Sector of Pakistan

2020 ◽  
Vol 6 (1) ◽  
pp. 107-116
Author(s):  
Shahzadah Fahed Qureshi ◽  
Rashid Ahmad ◽  
Muhammad Saim Hashmi
Keyword(s):  
Family Size ◽  
Big Five ◽  
Banking Sector ◽  
Sampling Technique ◽  
Demographic Characteristics ◽  
Cluster Sampling ◽  
Economic Activities ◽  
Loan Repayment ◽  
Global Increase ◽  
One Way Anova

The continuing global increase in economic activities is increasing the importance of the banking sector as the hub of such activities. The banking sector issue loans to individuals, firms, and government. Various factors influence the repayment of these loans. In this study, we argue that the personality of the borrower affects the repayment of the loan. We have selected a sample of 500 borrowers of five major banks in Pakistan by using a cluster sampling technique. We selected 250 (50%) regular borrower and 250 (50%) defaulters. We measured borrower personality through a 44-items big five inventory (BFI) questionnaire similar to John & Srivastava (1999). We analyzed data using one-way ANOVA and regression. The results show considerable significant differences between the personality of regular borrowers and defaulters on all five traits of personality, which reveals that the borrower’s personality affects the repayment of the loan. The defaulters were high on extroversion and neuroticism dimensions, while regular borrowers were high on agreeableness, conscientiousness, and openness to experience. The results also depict the strong effect of demographic characteristics such as income, education, and family size on loan repayment. The study suggests banks consider the personality traits of the borrower at the time of issuing of loan.

scholarly journals THE MODERATING ROLE OF MODERN TRAINING AND DEVELOPMENT METHODS IN PRIVATE BANKS AND WORK PERFORMANCE: EVIDENCE FROM CONTRACTUAL EMPLOYEES WORKING IN PAKISTAN BANKING SECTOR

2018 ◽  
Vol 6 (3) ◽  
Author(s):  
Adnan FARIDI ◽  
Akhtar BALOCH
Keyword(s):  
Employee Engagement ◽  
Work Performance ◽  
Banking Sector ◽  
Sampling Technique ◽  
Training And Development ◽  
Cluster Sampling ◽  
Private Banks ◽  
Modern Methods ◽  
Development Methods ◽  
Moderating Role

The article attempts to investigate the moderating role and effect of the modern methods of training and development programs in private banks on the individual work performances of the employees. Through area cluster sampling technique survey questionnaire, the data was gathered from 280 employees working at the operational level in 8 major cities of Pakistan. The results confirmed that the private banks have significant contribution in improving the overall performances of the banking sector whereas modern methods of training and development has statistically significant effect on enhancing the working performance of contractual employees. The frequently evident practices; professionalism and employee engagement developed through training are considered and both have significant relationship with the enhanced work performance of employees. Hence, modern training and development methods are pivotal moderator in improving the working efficiency of the private banks and enhancing the knowledge, skills and abilities of the contractual workforce.

scholarly journals THE MODERATING ROLE OF MODERN TRAINING AND DEVELOPMENT METHODS IN PRIVATE BANKS AND WORK PERFORMANCE: EVIDENCE FROM CONTRACTUAL EMPLOYEES WORKING IN PAKISTAN BANKING SECTOR

2018 ◽  
Vol 6 (3) ◽  
pp. 204-215
Author(s):  
Adnan FARIDI ◽  
Akhtar BALOCH
Keyword(s):  
Employee Engagement ◽  
Work Performance ◽  
Banking Sector ◽  
Sampling Technique ◽  
Training And Development ◽  
Cluster Sampling ◽  
Private Banks ◽  
Modern Methods ◽  
Development Methods ◽  
Moderating Role

The article attempts to investigate the moderating role and effect of the modern methods of training and development programs in private banks on the individual work performances of the employees. Through area cluster sampling technique survey questionnaire, the data was gathered from 280 employees working at the operational level in 8 major cities of Pakistan. The results confirmed that the private banks have significant contribution in improving the overall performances of the banking sector whereas modern methods of training and development has statistically significant effect on enhancing the working performance of contractual employees. The frequently evident practices; professionalism and employee engagement developed through training are considered and both have significant relationship with the enhanced work performance of employees. Hence, modern training and development methods are pivotal moderator in improving the working efficiency of the private banks and enhancing the knowledge, skills and abilities of the contractual workforce.

scholarly journals TRAIT KEPRIBADIAN BIG FIVE DAN SIKAP GURU TERHADAP PENDIDIKAN INKLUSIF SEKOLAH DASAR

2016 ◽  
Vol 5 (1) ◽  
pp. 39-47
Author(s):  
FELLIANTI MUZDALIFAH ◽  
SARAH HIKMAH FAZRINA
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Teacher Attitudes ◽  
Inclusive Education ◽  
Big Five ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Cluster Sampling ◽  
Teacher Personality ◽  
Independent Variable

This study aims to understand the influence of teacher personality on teacher attitudes toward inclusive education. The variables studied were the big five personalities as an independent variable (X) and teacher attitudes toward inclusive education as a dependent variable (Y). The method used is quantitative research, with cluster sampling technique. Participants of this study were teachers from inclusion public elementary school in Jakarta (N = 133). The instrument used to measure teacher personality is Big Five Inventory (BFI), while Multidimensional Attitudes toward Inclusive Education Scale (MATIES) was used to measure teacher attitudes toward inclusive education. Processing methods of data analysis in hypothesis testing using multiple regression analysis. Results of this study showed there is no influence of teacher personality on teacher attitudes toward inclusive education (p < α; 0,113 < 0,05). Therefore, in this study Ho is accepted and Ha rejected.

scholarly journals The Impact of Teachers' Personality on Students' Academic Achievement in Pakistan.

2019 ◽  
Vol IV (III) ◽  
pp. 92-102
Author(s):  
Shaista Noreen ◽  
Akhtar Ali ◽  
Uzma Munawar
Keyword(s):  
Academic Success ◽  
Big Five ◽  
Teaching And Learning ◽  
Major Part ◽  
Educational Achievement ◽  
Sampling Technique ◽  
Cluster Sampling ◽  
Research Approach ◽  
Public And Private ◽  
The Impact

Teachers personality plays a significant role in accomplishing students educational achievement. Teaching and learning have a major part in creating a friendly and encouraging learning environment for students. In this context, the current research was conducted to explore the influence of tutors character on pupils learning and accomplishment. It was a descriptive correlative research approach. The sample comprised of 1,152 teachers and 2,304 students of 10th grade of public and private secondary schools who were chosen through a cluster sampling technique. The respondents were taken from 12 districts of Punjab, Pakistan. Two questionnaires; one for teachers and one for students were used to collect data. Teachers questionnaires were based on an adapted personality measure scale of John and Srivastavas Big Five Inventory (1999). The statistical analysis displayed no significant rapport among teachers personality and pupils academic success. The regression analysis and correlation coefficient showed that the dimension of agreeableness, extroversion, neuroticism, and conscientiousness has no correlation with students performance. However, openness has a significant correlation between students performance.

scholarly journals ANALYSIS OF MULTIDIMENSIONAL POVERTY IN RURAL ADAMAWA STATE, NIGERIA

2019 ◽  
Vol 53 (3) ◽  
Author(s):  
Amurtiya Michael ◽  
Abdu Karniliyus Tashikalma ◽  
David Chinda Maurice ◽  
Ahmadu Abubakar Tafida
Keyword(s):  
Sampling Technique ◽  
Multidimensional Poverty ◽  
Demographic Characteristics ◽  
Household Size ◽  
Farm Size ◽  
Primary Data ◽  
Cluster Sampling ◽  
Binary Logistic Regression Model ◽  
Poverty Status ◽  
Household Heads

This study assessed multidimensional poverty in rural parts of Adamawa state, Nigeria. Specifically, the study objectives were to: describe the respondents’ socio-demographic characteristics, determine their multidimensional poverty status, and identify the determinants of multidimensional poverty in the sampled communities. Multi-stage cluster sampling technique was used to collect primary data from 480 household heads selected from 16 villages across the study area. Data collected were analysed using descriptive statistics, Multidimensional Poverty Analytical Tool (MPAT), and Binary Logistic regression model. The respondents’ socio-demographic characteristics described in the study showed that the mean age was 46.3 years, while the average household size was 7 persons. The study indicated that most (86.7%) of the respondents were male, who are mostly married (91.7%), and that majority (74%) are educated. The distribution of the respondents’ multidimensional poverty status revealed that majority (61.7%) of the households were poor. The study revealed that multidimensional poverty in the study area is influenced negatively by age, marital status, and household size. Similarly, gender, educational level, livelihood activities, farm size, livestock ownership, remittance, membership of group, and access to credit positively influence multidimensional poverty. Key among the recommendations of the study is the adequate provision of basic infrastructure in the area.

scholarly journals A Selective Study: Camels Analysis of Indian Private Sector Banks

2018 ◽  
Vol 3 (5) ◽  
pp. 277-283
Author(s):  
C. Dudhe
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Economic Activities ◽  
Regulatory Requirements ◽  
Effective Measure ◽  
The Past ◽  
Regulatory Changes ◽  
Financial Soundness ◽  
And Performance ◽  
One Way Anova

Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming more complex. Evaluating Indian banking sector is not an easy task. There are so many factors, which need to be taken care while differentiating good banks from bad ones. Performance evaluation of the banking sector is an effective measure and indicator to check the soundness of economic activities of an economy. The contribution of RBI and other policy maker, the banking industry has witnessed regulatory requirements like BASEL III norms. These regulatory changes have influenced prominent improvement in efficiency and performance of the Indian Scheduled Commercial Banks in the past few years. In the present study an attempt was made to evaluate the performance & financial soundness of select Private Sector Banks like ICICI,HDFC AND YES bank using CAMEL approach from 2013 to 2017 as well one way anova method. It is observed that on an average ICICI was at the top most position. It is also observed that yes Bank was at the bottom most position in selected CAMEL ratios.

ADOLESCENT BEHAVIOR IN UNWANTED PREGNANCY PREVENTION

2019 ◽  
Vol 1 (1) ◽  
pp. 41-46
Author(s):  
Arip Ambulan Panjaitan
Keyword(s):  
Sexual Behavior ◽  
Reproductive Health ◽  
Risky Sexual Behavior ◽  
Parental Education ◽  
Unwanted Pregnancy ◽  
Sampling Technique ◽  
Adolescent Behavior ◽  
Cluster Sampling ◽  
Chi Square ◽  
Cross Sectional

Introduction: Adolescent are at high risk of unwanted pragnency, including abortion, STIs, HIV/AIDS. Risky sexual behavior is one of the entrance transmissions of unwanted pregnancy. Such behavior can be influenced by various factors, beyond and within the individual factors. Teens need the support and motivation in deciding not to do risky sexual behavior. The purpose of this study was to investigate the determinants of adolescent behavior in the prevention of unwanted pregnancy.Methods: This research used cross-sectional design. The populations were students of senior high school in District Sintang. The were 123 respondents chosen by cluster sampling technique for this study. All data were collected using questionnaires and then analysed using bivariate (chi square) and multivariate analysis (logistic regression).Results: The results showed that the majority of respondents did not have good knowledge about the prevention of unwanted pregnancy. Related variable is the level of parental education (p=0.001), the support of parents/guardians (p=0.009), support teachers (p=0.005), peer support (p=0.039), residency (p=0.009), a pastime activity (p=0.000), knowledge of adolescents about reproductive health (p=0.016), perception ability of adolescents (p=0.006) and attitude of adolescents (p=0.049). Adolescent self-perception abilities are variables that most influence on the behavior of adolescents in the prevention of unwanted pregnancy.Conclusions: Efforts to improve reproductive health programs should be early and adolescent have responsibilities as well as healthy behaviors.

Service Quality Perception towards E-CRM Practices among Customers of Private and Public Sector Banks of Rajasthan Using SERVQUAL Method

2018 ◽  
Vol 7 (3) ◽  
pp. 22
Author(s):  
Neeti Kasliwal ◽  
Jagriti Singh
Keyword(s):  
Public Sector ◽  
Service Quality ◽  
Banking Sector ◽  
Sampling Technique ◽  
Vital Role ◽  
Public Sector Banks ◽  
Significant Difference ◽  
Private And Public ◽  
Score Method ◽  
Public Banks

Banking sector is growing rapidly and playing a vital role in the economic development of the nation. Both private and public sector banks are giving more priority to service quality to satisfy their customers. For this, banks are now emphasizing on E-CRM practices to carry out transactions and communicate with their customers. The purpose of this research is to assess the service quality among private and public banks in Rajasthan. Purposive sampling technique has been employed to collect the data from three private banks and three banks from public. To analyze the data, descriptive statistics, Mean score method and t test have been used. Results indicates that there is a significant difference in consumer’s perception of service quality dimensions related to E-CRM practices provided by selected private and public sector banks of Rajasthan..The findings of this research will help policy makers of banking sector to set customer oriented policies.

The Effect of Instructional Approaches and Learning Styles on Students’ Achievement of Grammar

2014 ◽  
Vol 11 (1) ◽  
Author(s):  
Rista Damesari Saragih ◽  
Lince Sihombing ◽  
Eddi Setia
Keyword(s):  
Learning Styles ◽  
Learning Style ◽  
Significant Interaction ◽  
Visual Learning ◽  
Sampling Technique ◽  
Cluster Sampling ◽  
Instructional Approaches ◽  
Vocational High School ◽  
Instructional Approach ◽  
Auditory Learning

The objectives of this research are to investigate whether: (1) students’ achievement of grammar taught by applying inductive approach higher than taught by applying deductive approach, (2) achievement of grammar of visual learning style students higher than achievement of grammar of auditory learning style students, and (3) there is an interaction between instructional approaches and learning styles on the students’ achievement of grammar. The population was students of Grade X of Vocational High School 1 Beringin Deli Serdang. Based on Cluster Sampling technique, two classes were chosen, namely Grades X1 and X3. The data were analyzed using a two-way ANOVA with 2 × 2 factorial design. The result reveals that (1) Students` grammar achievement taught by using inductive instructional approach is higher than that taught by using deductive instructional Approach (81,20 > 72,10), (2) Students with visual learning style have higher achievement in grammar than students with auditory learning style (81,90 > 72) and (3) there is significant interaction between instructional approaches and learning styles on students` achievement of grammar (4.906 > 3.96). Thus, it can be concluded that the application of instructional approaches and learning styles can affect students` achievement in grammar.   Keywords: Grammar; Instructional Approach; Learning Styles

Perbedaan Kontaminasi Bacteria Staphylococcus sp di Denominasi Uang Kertas Rupiah di Warung Jalan Adi Sucipto Kota Pontianak

2018 ◽  
Vol 1 (2) ◽  
pp. 166
Author(s):  
Sutriswanto Sutriswanto ◽  
Sugito Sugito
Keyword(s):  
Research Method ◽  
Sampling Technique ◽  
Cluster Sampling ◽  
Fisher Exact Test ◽  
Infectious Agents ◽  
Exact Test ◽  
Purposive Sampling ◽  
Paper Money

Abstract: Staphylococcus is a cause of infection. Infection can be transmitted from a source by an indirect through fomite. Paper money can act as transmission of infectious agents, money acts as a fomite. Smaller denominations of value have higher contamination. This study aims to analyze differences in contamination bacterial Staphylococcus sp on denomination of paper money Rp.2.000, 5.000, Rp.10,000 and Rp.20.000 that currently shop on Adi Sucipto street town Pontianak. The research method used in this research is in the form of difference and the sample in this research is denomination of paper money curently with sampling technique using cluster sampling. Checkup of Staphylococcus spon denomination of paper money using rinse method. On these result of study, denomination of paper money Rp.2.000 that is contaminated staphylococcus sp is 80%, denomination of paper money Rp.5.000 that is contaminated staphylococcus sp is 70%, denomination of paper money Rp.10.000 and Rp.20.000 that is contaminated staphylococcus sp is 80%. The data from result of study has been obtained were analyzed statistically by using fisher exact test, the result of p (0,477) >α (0,05) which mean as H1 is rejected. So it can be concluded there is no difference of contamination bacteria staphylococcus sp on denominations of paper money rupiah.Abstrak: Staphylococcus merupakan penyebab terjadinya infeksi. Infeksi dapat ditularkan dari suatu sumber dengan mekanisme tidak langsung melalui fomite. Uang kertas dapat bertindak sebagai transmisi agens infeksius ,uang berperan sebagai fomite. Pecahan uang yang lebih kecil nilainya memiliki kontaminasi yang lebih tinggi. Penelitian ini bertujuan untuk menganalisis perbedaan cemaran bakteri Staphylococcus sp pada pecahan uang kertas Rp.2.000, 5.000, Rp.10.000 dan Rp.20.000 yang beredar di warung jalan Adi Sucipto kota Pontianak. Metode penelitian yang digunakan dalam penelitian berbentuk komperatif dan sampel pada penelitian ini adalah pecahan uang kertas rupiah dengan.teknik pengambilan sampel menggunakan purposive sampling. Pemeriksaan Staphylococcus sp pada pecahan uang kertas rupiah menggunakan metode rinse. Pada hasil penelitian pecahan uang kertas Rp.2.000 yang tercemar staphylococcus sp adalah 80%, pecahan uang kertas Rp.5.000 yang tercemar staphylococcus spadalah 70%, pecahan uang kertas Rp.10.000 dan Rp.20.000 yang tercemar staphylococcus spadalah 50%. Berdasarkan data dari hasil penelitian yang telah didapat dianalisis menggunakan uji statistik fisher exact, didapatkan hasil p (0,477) >α (0,05) yang diartikan sebagai H1 ditolak. Sehingga dapat disimpulkan tidak ada perbedaan cemaran bakteri staphylococcus sp pada pecahan uang kertas rupiah.

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