scholarly journals Interest Free Banking in Ethiopia: Customer Awareness, Satisfaction and Its Role on Economic Development

2021 ◽  
Vol 5 (1) ◽  
pp. 48
Author(s):  
Debebe Alemu Kebede
Keyword(s):  
Economic Development ◽  
Banking System ◽  
Secondary Data ◽  
Employment Opportunity ◽  
Annual Reports ◽  
Primary Data ◽  
Free Banking ◽  
Banking Services ◽  
Banking Service ◽  
The Government

This study is aimed at evaluating the customer’s awareness and satisfaction toward Interest-free Banking and its role on Ethiopia economic development with some selected Commercial Bank in Ethiopia. To achieve the aim of the study the primary data was collected from Customers and Managers of the selected banks by using convenience method through questionnaire and interview. While, secondary data was collected by compiling and summarizing the bank’s Annual reports and Journals. The collected data was analyzed in descriptive and inferential analysis. The finding of the study depicts as low customer awareness regarding Interest-free Banking services except the Interest-free Banking account holders. Further, majority of Interest-free Banking account holders are more or less satisfied with the current Interest-free Banking services provided since, it can  potentially  serve as  an  alternative  banking  channel  in  filling  the  gap  left  unaddressed  by  conventional  banking  and economic  development in relation to idle  monetary  resource  mobilization  and  allocation,  inviting  to  use  banking system, creating employment opportunity, supporting GDP growth and assisting in stabilizing crisis and arresting inflation. Based on the study result it concluded as Interest Free Banking have its own role on the country economic development through mobilizing the idle monitory resource, allocating the monitory resource, creating employment opportunity, and inviting to the banking system. Therefore, it recommended as the banks should make aggressive promotion on Interest Free Banking services for customers awareness specially those of out of Muslim customers, the government has to support and should give more emphasis to enable Interest Free Banking service, promote Interest Free Banking which can help assist the economy in stabilizing economic crisis and arresting inflation.

Investigating Occupation Wise Perception of Customers Towards Access to Cooperative Banking Services

2016 ◽  
Vol 4 (1) ◽  
Author(s):  
Neetu Andotra ◽  
Tarsem Lal
Keyword(s):  
Secondary Data ◽  
Principal Component ◽  
Himachal Pradesh ◽  
Primary Data ◽  
Varimax Rotation ◽  
Banking Services ◽  
Banking Service ◽  
Total Data ◽  
Cooperative Banks ◽  
Secondary Information

The present paper aims at investigating the occupation-wise perception of customers towards access to cooperative banking services. The study is both expressive and evaluative in nature. In order to investigate the perception of customers towards access to cooperative banking services, both primary and secondary data has been collected. The primary data have been collected from 540 customers of cooperative banks operating in three northern states of India i.e J&K, Himachal Pradesh, and Punjab. The technique of factor analysis has been used through SPSS (version 17.00) with Principal Component Analysis along with varimax rotation for summarisation of the total data into minimum factors. Secondary information was collected from published sources i.e books, journals, files, cooperative bulletins, organizational reports, annual drafts of Planning and Statistical Department (Government of J&K, Himachal Pradesh, and Punjab), RBI reports, magazines, and Internet. ANOVA has been applied for data analysis. The results of the study shows that there exits significant means difference between perception of customers towards access to Cooperative banking service.

scholarly journals Working of Puffed Rice Units

2020 ◽  
Vol 8 (2) ◽  
pp. 45-52
Author(s):  
Harish Tigari ◽  
H C Ramesh
Keyword(s):  
Secondary Data ◽  
Annual Reports ◽  
Current Status ◽  
Primary Data ◽  
Human Society ◽  
Poverty Eradication ◽  
Employment Opportunities ◽  
Fundamental Factor ◽  
Puffed Rice ◽  
The Government

Industrialization is a progressive measure that creates social and economic change by transforming human society from pre-industrialization to industrial era; Industrialization plays a predominant role in the development of the economy, acts as a basic fundamental factor that is influenced by the growth prospects of the economy of a country. The prominence of industrialization creates employment opportunities, balancing the regional development living and poverty eradication, etc. In this context, the unorganized sector acts as a factory for entrepreneurship and self-employment opportunities as well as a tool for poverty eradication. So the present study attempts to analyze the working of puffed rice units in the Davangere region. These industries are providing various employment opportunities to the poor and illiterate people. Because these are labor-intensive industries. The present study is based on the puffed rice workers and their working conditions and environment. In malebennur town there are more than 50 puffed rice industries are working. In the study area, people depend on the making of puffed rice for their livelihood. The main purpose of the study is to know about the current status, growth, and development of the puffed rice units and also discuss the government initiative in the development of an unorganized puffed rice cluster in Davangere. The study is based on primary data with field survey and secondary data, which includes different reference books, journals, research papers, seminar proceedings, articles, and government publications, annual reports, etc.

Triple helix going abroad? The case of Danish experiences in China

2014 ◽  
Vol 17 (3) ◽  
pp. 254-271 ◽  
Author(s):  
Olav Jull Sørensen ◽  
Yimei Hu
Keyword(s):  
Triple Helix ◽  
Secondary Data ◽  
Practical Significance ◽  
Annual Reports ◽  
Primary Data ◽  
Global Knowledge ◽  
Content Type ◽  
Knowledge Resources ◽  
The Government ◽  
Integration Stage

Purpose – The purpose of this paper is to conceptualize and make sense of the internationalization of the triple helix (TH) model. Design/methodology/approach – As this study is exploitative in nature, an inductive approach is adopted in data collection and data analysis. The Danish TH's experiences in China are used as empirical evidences. Primary data are collected from in-depth interviews and discussions, filed observations, and personal experiences. Secondary data such as the government policies and documents, companies’ annual reports, and reliable web sites are also included. Findings – The paper conceptualizes the internationalization of the TH into three stages: pioneering stage, exploration stage, and integration stage. In the pioneering stage, the authors see the establishment of each of the three helix spheres abroad, i.e. internationalization of companies, universities and governments; in the exploration stage, the three spheres start to interact abroad and collaborate with their counterparts in the host country; in the integration stage, helix to helix collaboration is emerging. Originality/value – This study has both theoretical and practical significance. It expands the existing TH theory by proposing a model for the internationalization of it. On the other hand, this study gives implications regarding utilizing global knowledge resources and enhancing innovation performances overseas.

scholarly journals PERSEPSI MASYARAKAT TERHADAP USAHA BUDI DAYA KARAMBA JARING APUNG (KJA) IKAN KERAPU DI KABUPATEN BULELENG, PROPINSI BALI

2019 ◽  
Vol 5 (1) ◽  
Author(s):  
Lathifatul Rosyidah ◽  
Achmad Zamroni ◽  
Subhechanis Saptanto
Keyword(s):  
Survey Methods ◽  
Secondary Data ◽  
Annual Reports ◽  
Primary Data ◽  
Structure Questionnaire ◽  
Community Perception ◽  
Seed Selection ◽  
Scientific Publications ◽  
The Government ◽  
Net Cages

Persepsi masyarakat mengenai usaha budi daya  perikanan sangat penting dalam pengembangan usaha budi daya. Hal ini dikarenakan pengembangan budi daya  perikanan membutuhkan partisipasi masyarakat sebagai aktor utama keberhasilan budi daya  perikanan. Tujuan penelitian ini adalah untuk mengetahui persepsi pembudidaya  terhadap aktivitas budi daya  KJA di Kabupaten Buleleng. Penelitian ini dilakukan di Kabupaten Buleleng, Propinsi Bali pada Tahun 2017 dengan menggunakan metode survey melalui pendekatan kualitatif dan kuantitatif (mix method). Pengumpulan data primer dilakukan melalui wawancara, observasi, dan dokumentasi, sedangkan data sekunder dikumpulkan melalui studi literatur dan publikasi ilmiah, maupun hasil penelitian terdahulu baik berupa laporan tahunan, data kecamatan dalam angka, kabupaten dalam angka dan publikasi lainnya. Wawancara dilakukan secara purposive kepada informan dengan menggunakan kuesioner. Data yang dikumpulkan meliputi persepsi masyarakat yang dianalisis menggunakan statistik deskriptif. Hasil penelitian menunjukkan bahwa mayoritas masyarakat pesisir di Kabupaten Buleleng bekerja sebagai nelayan dan atau pembudidaya KJA yaitu budi daya ikan kerapu dan menjadi alternatif mata pencaharian masyarakat yang menjanjikan keuntungan. Persepsi masyarakat mengenai aktivitas budi daya  yang dijalankan secara umum cukup baik dan memberikan keuntungan. Pemerintah diharapkan memberikan perhatian kepada pelaku usaha perikanan budi daya  dengan memberikan pendampingan dan pelatihan yang diperlukan oleh pembudi daya  yaitu pelatihan mengenai pengendalian hama dan penyakit, teknis pembesaran di KJA sesuai standar, cara budi daya  yang baik, pelatihan seleksi benih, dan pelatihan pemasaran. Title: Community Perception to Marine Culture Activity in Buleleng Regency, Bali ProvinceCommunity perceptions about the cultivation of fisheries are very important in the development of aquaculture business. This is due to the development of aquaculture requires community participation as the main factor to successful cultivation of fisheries. The purpose of this study was to determine the perceptions of aquaculture farmers on floating net cage cultivation activities in Buleleng Regency. This research was conducted in Buleleng Regency, Bali Province during 2017 using survey methods with qualitative and quantitative approaches (mix method). Primary data was collected through interviews, observation, and documentation. While secondary data was collected from literature studies and scientific publications, annual reports, statistical data of Buleleng Regency such as regency in figures and other publications. Interviews were conducted purposively to informants using a structure questionnaire including community perceptions. Data analysis used descriptive statistics. The results of this study shows that the cultivation of floating net cages in Buleleng Regency, namely cultivation of grouper aquaculture and an alternative livelihood that promises benefits. Public perceptions of cultural activities in general, which are carried out in a fairly good manner and provide benefits. The government is expected to pay attention to aquaculture fisheries entrepreneurs by providing assistance and training needed by farmers, namely training on pest and disease control, technical enlargement in floating net cages according to standards, good cultivation practices, seed selection training, and marketing training.

Settlement of Loans in Arrears by Using Parate Execution of Collateral Bearing Mortgage Rights

2021 ◽  
Vol 4 (1) ◽  
pp. 159-167
Author(s):  
Rr. Dijan Widijowati ◽  
Mulyono
Keyword(s):  
Qualitative Research ◽  
Legal Protection ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Legal Certainty ◽  
Banking Services ◽  
Sense Of Security ◽  
The Government ◽  
Credit Agreement

Various fields related to business always require banking services. Then the government created Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking. Lending by a bank as a creditor to a customer as a debtor must be carried out with an agreement in a compact form. The important thing in a credit agreement is collateral or guarantee. Collateral in banking practice can be bound by Law Number 4 of 1996 concerning Mortgage Rights for objects related to land. The Bank believes that material collateral in the form of land will provide a greater sense of security and legal certainty execution if the debtor fails to fulfil his promises to his obligations. Different implementations can execute objects that are the object of Guarantee Rights. The main problem is implementing bad debts by para the execution of collateral things saddled with mortgages. How is the implementation of legal protection for creditors if there is resistance from the debtor due to the execution part's performance? This research uses a descriptive qualitative approach. The main sources in qualitative research are primary data and secondary data. Researchers collect data through observation and documentation. Data analysis was performed using qualitative juridical analysis methods. The conclusion obtained is that the implementation of the settlement of lousy credit through separate execution of the collateral object that is burdened with mortgage rights is to sell the bank guarantee object as a creditor in the event of bad credit. This is done to cover the debtor's obligations, Then the implementation of legal protection for creditors if there is resistance from the debtor due to the execution of the execution Parate is to apply the provisions in Article 6 of the Mortgage Rights Law.

scholarly journals Effects of UTAUT 2 Model on the Use of BCA Mobile Banking in Indonesia

2021 ◽  
Vol 12 (3) ◽  
pp. 5378-5387
Author(s):  
Aniek Susilowati Et. al.
Keyword(s):  
Financial Institution ◽  
Banking System ◽  
Internet Technology ◽  
Primary Data ◽  
Long Distance ◽  
Business World ◽  
Banking Services ◽  
Factors Affecting ◽  
Behavior Intention ◽  
Banking Service

The m-banking service is a long-distance transaction platform that is innovative and strategic product provided by financial institution. It has succeeded in removing physical limitation of banking activities through the use of mobile device by customers. Support for the advance in internet technology bringing about considerable and continuous changes in banking operational have enabled customers to connect with business world and make transaction at any time, so that it also changes how customers use banking services. The World’s Best Bank has positioned BCA as a bank capable of adapting to pandemic situation because its banking services related to technology is considered as the best. Therefore, this research recognizes the need for testing factors affecting BCA customers to adopt and continue to use BCA m-banking service. Design/methodology/approach – the conceptual relationship of behavior intention on the acceptance and the use of information technology in this research used UTAUT2 model. Primary data were processed using SEM method with SMART-PLS software collected from survey questionnaires carried out to 400 respondents having BCA accounts and using BCA m-banking in the last 3 months. Findings – the main factors such as habit, hedonic motivation and facilitating condition were found to provide significant effect on behavior intention of customers to adopt and use BCA m-banking service. Practical implications – the findings are expected to educate public about m-banking service capable of facilitating banking transaction and recommending banking system to provide a safe m-banking service and it also requires sustainable development.

scholarly journals Customer Satisfaction with Electronic Banking Services in the Saudi Banking Sector

2016 ◽  
Vol 12 (5) ◽  
pp. 139 ◽  
Author(s):  
Hani A. AlHaliq ◽  
Ahmad A. AlMuhirat
Keyword(s):  
Saudi Arabia ◽  
Customer Satisfaction ◽  
Banking Sector ◽  
Banking System ◽  
Secondary Data ◽  
Ease Of Use ◽  
Primary Data ◽  
Monitoring And Control ◽  
Electronic Banking ◽  
Banking Services

<p class="a">This research aims to examine the extent of customer satisfaction with electronic banking (e-banking) services in the Saudi banking sector and to address issues with quality of services by focusing on the following: (i) ease of use; (ii) information security and reliability and its role in influencing customer adoption of electronic services; (iii) the mechanisms of monitoring and control over these services. The research employed analytic and descriptive methodology, collecting primary data through a survey. It examined various aspects of electronic services provided by banks in Saudi Arabia to shed more light on these services and customer expectations, while also taking into account modern studies in this field as secondary data. The results show that Saudi banks have succeeded in attaining significant customer satisfaction by improving their electronic services, facilitating electronic transactions, improving processing performance and enhancing the specifications of electronic services. In addition, they have achieved effective communication with their customers as well as the speed of applications. However, there is an absence of awareness and guidance for customers about the e-banking system. The results of this research lead to some recommendations for improving the electronic services provided by banks in Saudi Arabia to enhance customer satisfaction.</p>

A Study On Employee Perception On Effectiveness Of Training Programs In Myanmar Citizens Bank

2019 ◽  
Vol 118 (11) ◽  
pp. 603-618
Author(s):  
ZawZawMyint ◽  
Sandeep Poddar ◽  
Abhijit Ghosh ◽  
Amiya Bhaumik
Keyword(s):  
Research Method ◽  
Training Programs ◽  
Secondary Data ◽  
Employee Perceptions ◽  
Annual Reports ◽  
Primary Data ◽  
Roles And Responsibilities ◽  
Descriptive Research ◽  
Effectiveness Of Training ◽  
And Training

In banking industries, employees are entrusted with different roles and responsibilities, and training enables them to carry out these roles and responsibilities efficiently by let them to learn new things. Moreover, it will prepare them to take up higher responsibilities in the future. Therefore, this study focuses to analyze the employee perceptions on effectiveness of Training Programs in Myanmar Citizens Bank (MCB).  By using the descriptive research method, primary data are collected from the responsible persons and employees of MCB in head office, branches. Secondary data are gathered and scrutinized from relevant text books, records and annual reports from MCB. The research revealed that there are four kinds of training programs in MCB. Moreover, this paper revealed that MCB successfully delivered its training programs in year 2015 to 2018 and the trainees have positive perceptions on effectiveness of training programs in MCB. Based on these results, this paper pointed out the important facts that can give improvement actions for effective and efficient training programs in Myanmar Citizen Banks.

DAYA SAING DAN PERAN PEMERINTAH DALAM MENINGKATKAN DAYA SAING KOMODITI KAKAO DI SULAWESI TENGAH

2017 ◽  
Vol 11 (1) ◽  
pp. 69-96
Author(s):  
Siti Yuliaty Chansa Arfah ◽  
Harianto . ◽  
Suharno .
Keyword(s):  
Policy Analysis ◽  
Government Policy ◽  
Secondary Data ◽  
Research Area ◽  
Primary Data ◽  
Cocoa Beans ◽  
Output Analysis ◽  
The Government ◽  
Central Sulawesi ◽  
Policy Analysis Matrix

Penelitian ini bertujuan untuk mengkaji daya saing komoditi kakao di Sulawesi Tengah dan melihat peran pemerintah dalam meningkatkan daya saing komoditi kakao. Data primer berasal dari observasi, wawancara dan kuesioner, sementara data sekunder berasal dari instansi terkait. Metode analisis menggunakan Policy Analysis Matrix (PAM) dan analisis sensitivitas. Penelitian ini menemukan bahwa nilai PCR Kabupaten Parigi Moutong 0,589 dan Kabupaten Sigi 0,396. Sedangkan nilai DRC Kabupaten Parigi Moutong 0,387 dan Kabupaten Sigi 0,319. Hal tersebut mengindikasikan bahwa usahatani komoditi kakao di Sulawesi Tengah memiliki daya saing, namun tidak menguntungkan secara ekonomi karena Sulawesi Tengah menghasilkan biji kakao yang tidak difermentasi akibatnya petani menerima harga rendah. Berdasarkan hasil analisis, pemerintah belum memberikan proteksi terhadap harga biji kakao dalam negeri melalui harga referensi biji kakao sehingga harga biji kakao didaerah penelitian masih tergolong rendah jika dibandingkan dengan harga di pasar internasional. Sementara terhadap input, pemerintah telah memberikan kebijakan subsidi kepada petani, namun implementasinya masih perlu perbaikan terutama terkait penyaluran dan pengelolaan bantuan agar merata. Kajian ini merekomendasikan masih diperlukan kebijakan pemerintah baik terhadap input maupun output untuk meningkatkan produktivitas, menurunkan biaya produksi dan menaikkan harga jual biji kakao, sehingga dapat meningkatkan daya saing biji kakao. The purpose of this study is to assess the competitiveness of cocoa in Central Sulawesi and to investigate the role of government in improving the competitiveness of cocoa. The primary data were generated through observation, interviews and some questionnaires. The secondary data were obtained from the agency or the institution related to the research. This study uses the Policy Analysis Matrix (PAM) and sensitivity analysis. The study found that the PCR value for Parigi Moutong district was 0.589 and Sigi district was 0.396. While, the DRC value for Parigi Moutong district was 0.387 and Sigi district was 0.319. This indicates that cocoa beans farming in Central Sulawesi has competitiveness, but not economically beneficial because Central Sulawesi produces unfermented cocoa beans consequently farmers receive low prices. Based on the results of the government's impact on output analysis, the government did not provide protection for domestic cocoa seed prices through the reference price of cocoa beans, consequently the price of domestic cocoa beans, particularly in the research area, was relatively low compared to the price of cocoa beans at the international market. Seen from the government policy on inputs, the government have provided subsidies to farmers but they need to improve the distribution and management of aid to be evenly distributed. It is necessary to set up good government policy on inputs and outputs in order to increase cocoa seed productivity, decrease production cost and increase the price which simultaneously can improve its competitiveness in the research location.

Internal and External Security Challenges of Nepal

Unity Journal ◽  
2021 ◽  
Vol 2 ◽  
pp. 251-262
Author(s):  
Sumitra Karki
Keyword(s):  
Secondary Data ◽  
Primary Data ◽  
Security Threats ◽  
Cyber Attack ◽  
Secondary Sources ◽  
News Reports ◽  
Security Challenges ◽  
The World ◽  
The Government ◽  
India And China

Nepal has been a home to diversified settlement in terms of ethnicity, religion, dialect and culture since its outset in civilization. It also lies between two great military and economic giants of Asia – India and China – that are hostile to each other. While these bring abundant opportunities for Nepal, it possesses several internal and external security threats. Nepal suffers from cyber-attack, environmental degradation, pandemic, ethnic, racial or religious conflicts, inequality and poverty, extremism, human trafficking, corruption, migration and trans-boundary crime. In addition, Nepal also faces several security threats, traditional and non–traditional, including terrorism and insurgency. These threats possess serious implications on peace and security of Nepal and the South Asian region. There is a need of serious study about the major internal and external security challenges that Nepal faces in recent decades. This study aims at examining some of the major security challenges, explore the factors behind it, and attempt to suggest few policy recommendations to the government of Nepal to deal with them. The study is conducted by reviewing the primary and secondary sources of data. The primary data includes documents of the government agencies, press release, joint statement and organizational reports. It also includes the interviews with security experts, bureaucrats, policy makers and academicians. Similarly, secondary data includes books, news reports, academic journals, seminars report and reports of research institutes and think tanks. The study highlights that Nepal should prepare itself to meet with the emerging internal and external security challenges what have emerged in recent times. With the rise of India and China, two adversarial powers in the region, Nepal possess extreme challenges in days to come. Similarly, hardly any countries of the world had prepared itself to deal with recent pandemic like COVID-19 that has shattered even the most powerful countries of the world. Taking lessons from these, it is time for Nepal to learn and prepare to mitigate the challenges.

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