scholarly journals RELATIONSHIP BETWEEN CAPPED LENDING RATES AND NON-PERFORMING LOANS ON LISTED COMMERCIAL BANKS IN KENYA

2018 ◽  
Author(s):  
Gladys Wanjiku Thuita
Keyword(s):  
Significant Relationship ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Monthly Basis ◽  
Continuous Basis ◽  
Lending Rate ◽  
Lending Rates ◽  
The Government ◽  
The Relationship ◽  
Pearson Correlations

<p><em>The study sought to determine the relationship between capped lending rate and non-performing loans among the listed commercial banks in Kenya. The data for the study was collected from the period 2013 to 2017 from five listed commercial banks in Kenya. The research tested the null hypotheses that capping the lending rate has no significant relationship on non-performing loans of the sampled banks. The study adopted the quantitative research design to test the null hypotheses. The Pearson correlations results indicated that capped lending rate has no significant relationship on the non-performing loans. In conclusion the negative correlation can be attributed to fact that borrowers continue to repay the old loans (acquired before capping) the same scheduled payments before capping, reducing the duration of the loan and not amount payable on monthly basis. The recommendation is for such studies to be conducted on continuous basis for the next five years and advice the government on whether to drop or retain the cap for purpose of sustainable economic development in Kenya.  </em></p>

scholarly journals THE INFLUENCE OF THIRD-PARTY FUNDS, NON-PERFORMING LOANS (NPL) ON CREDIT DISTRIBUTION WITH PROFITABILITY AS INTERVENING VARIABLE IN COMMERCIAL BANKS

2020 ◽  
Vol 4 (02) ◽  
Author(s):  
Sri Hermuningsih ◽  
Pristin Prima Sari ◽  
Anisya Dewi Rahmawati
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Bank Lending ◽  
Third Party ◽  
Internal Factors ◽  
Negative Effect ◽  
The Government ◽  
The Relationship

Banks are financial institutions that collect and distribute funds in the forms of deposits such as savings, deposits, current accounts, etc. from and for people who need funds for various needs, such as for consumption, working capital or business capital, housing and investment. In addition, banks must help the community to improve their living standards by distributing funds or giving credit to people who need funds. This is in accordance with the function of the bank itself, namely the bank as the distributor of funds. The purpose of this research is to examine and obtain evidence about factors that influence loan distribution at a bank. Internal factors that influence loan distribution are Third Party Funds, Non-Performing Loans, and Profitability. Efforts to increase credit at banks require optimal efforts to raise third-party funds, good credit management, and capital strengthening. This type of research is quantitative research with purposive sampling technique. The population used in this study is commercial banks from 2013 to 2017. The data come from commercial bank financial statements. As the benefit of this research the government can use it as a mapping material for distributing loan to commercial banks; the bank management can take it into consideration in making commercial bank lending policies. The results of the research show that profitability can mediate the relationship between third party funds and non-performing loans on loan distribution. Third party funds have a significant positive effect on loan distribution. Non-Performing Loans have a significant negative effect on loan distribution. Keywords: LOAN DISTRIBUTION, THIRD PARTY FUNDS, NON-PERFORMING LOANS, AND PROFITABILITY

scholarly journals The Relationship between Lending Rate and Nonperforming Loans in Commercial Banks: Evidence from Pakistan (2008-2014)

2021 ◽  
Vol 1 (2) ◽  
pp. 89-104
Author(s):  
IHTESHAM KHAN ◽  
ROOHUL AMIN ◽  
SHAH RAZA KHAN ◽  
MUHAMMAD ILYAS
Keyword(s):  
Commercial Banks ◽  
Positive Relationship ◽  
The State ◽  
Annual Reports ◽  
Significant Positive Relationship ◽  
Regression Methods ◽  
Nonperforming Loans ◽  
Lending Rate ◽  
Lending Rates ◽  
The Relationship

The objective of the study was to examine the relationship between lending rate and nonperforming loans in commercial banks of Pakistan. The study collects data on bank size and nonperforming loans from the annual reports of commercial banks and lending rates data was collected from the state bank of Pakistan statistical bulletins for the period of 2008-2014 and the data was analyzed through SPSS to examine the relationship between lending rate and nonperforming loans. The study used correlation and regression methods. The study found a significant positive relationship between lending rate and nonperforming loans in commercial banks of Pakistan

scholarly journals HUBUNGAN MINAT BELAJAR DAN PEMANFAATAN BUKU TEKS DENGAN HASIL BELAJAR MATA PELAJARAN EKONOMI DI SMA

Jurnal Ecogen ◽  
2019 ◽  
Vol 2 (3) ◽  
pp. 294
Author(s):  
Chintya Eka Putri ◽  
Z Mawardi Effendi
Keyword(s):  
Student Learning ◽  
Learning Outcomes ◽  
Significant Relationship ◽  
Quantitative Research ◽  
Student Learning Outcomes ◽  
Learning Activities ◽  
Learning Interest ◽  
The Relationship

Interest in learning and the use of textbooks are two aspects that are very influential and have a relationship with student learning outcomes. This can be seen in the learning activities in the XI IPS class of SMAN 1 Luhak Nan Duo on economic subjects, the low student learning outcomes are influenced by students' lack of interest in learning and the lack of use of textbooks by students themselves. The research conducted at the XI IPS class at SMAN 1 Luhak Nan Duo aims to determine the relationship between learning interest and the use of textbooks with learning outcomes. This type of research is quantitative research with correlational methods. The instrument used in this study was a research questionnaire. The population is 130 students with samples randomly selected for 100 students. From the results of the analysis it can be concluded that: (1) Interest in learning and the use of textbooks have a positive and significant relationship together with learning outcomes seen from the Sig. F change 0,000 <0,05. (2) There is a positive and significant relationship between interest in learning and learning outcomes seen from the value of Sig. 0,000 <0,05. (3) There is a positive and significant relationship between the use of textbooks and learning outcomes of economic subjects seen from the Sig. 0,000 <0,05.Keyword : Interest in learning, utilization of textbooks, learning outcomes

scholarly journals Hubungan Keaktifan Ekstrakurikuler Pendidikan Keperamukaan Dengan Sikap Disiplin Siswa Kelas Tinggi SDN 36 Kota Bengkulu

2020 ◽  
Vol 3 (2) ◽  
pp. 243-250
Author(s):  
Rika Marlina ◽  
Lukman Lukman
Keyword(s):  
Data Analysis ◽  
Significant Relationship ◽  
Primary Schools ◽  
Quantitative Research ◽  
Significance Test ◽  
Entire Population ◽  
Student Discipline ◽  
Test Results ◽  
High Class ◽  
The Relationship

This study aims to determine the relationship between the activeness of students following extracurricular scouting education with student discipline attitudes. This research is quantitative research. The research method used is the correlation with the type of product moment design. The population in this study were all high-class students who took extracurricular scouting education. Sampling using random sampling but the sample in this study the entire population because it is less than 100 then the entire population is sampled with a total of 57. The research instrument used was a questionnaire sheet. Prerequisite test data analysis using tests of normality, homogeneity and hypothesis. This technique is used to determine the significant relationship between independent and dependent variables by comparing r_calculations and r_tabels with a significant level of 5%. Based on the results of data analysis, the value of r_calculations= 0.66>  r_tabels= 0.266, which means that there is a significant relationship between activeness in scouting extracurricular education and disciplinary attitude. Furthermore, the significance test results obtained t_calculations = 6.8 ? t_tabels= 1.67303 means that there is a significant relationship between variables for the entire population with a contribution of 43.56% between the activities of joining extracurricular scouting education with student discipline attitude. It was concluded that Ha was accepted where there was a relationship between the activities of joining the scouting extracurricular education with the discipline attitude of high class students at 36 Primary Schools in Bengkulu City.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG BERHUBUNGAN DENGAN KEPUASAN KERJA TENAGA MEDIS DI PUSKESMAS KOTA PADANG

2017 ◽  
Vol 2 (3) ◽  
pp. 333
Author(s):  
Winanda Winanda ◽  
Ricvan Dana Nindrea
Keyword(s):  
Job Satisfaction ◽  
Significant Relationship ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Medical Personnel ◽  
Bivariate Analysis ◽  
Cross Sectional ◽  
Primary Health ◽  
The Relationship

<p><em>The number of medical personnel in the Padang City is still a shortage of the amount required is 83 people, but this time medical personnel numbered 53 people. This research was carried out by combining two types of research are mixed method, preceded by a quantitative research with cross sectional approach, followed by qualitative research. The study was conducted in Primary Health Care Padang City. The population in this study are all medical personnel in the Padang City with a sample of 38 people, with a sampling technique is simple random sampling. The bivariate analysis known there are significant relationship between work (p = 0,023), compensation (p = 0,001), supervision (p = 0,001) and the relationship between employees (p = 0,000) with job satisfaction. But there is no relationship promotion with job satisfaction (p = 0,208). The conclusion of the study there are significant relationship between work, compensation, supervision and the relationship between employees with job satisfaction.</em></p>

scholarly journals FAKTOR- FAKTOR YANG BERHUBUNGAN DENGAN KEPUTUSAN PEMBELIAN KOPI DI BANARAN 9 JAMBU GEMAWANG

2020 ◽  
Vol 14 (1) ◽  
pp. 55
Author(s):  
Ida Riana Wati ◽  
Bayu Nuswantara ◽  
Hendrik Johanes Nandapdap
Keyword(s):  
Significant Relationship ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Strong Relationship ◽  
Business Owners ◽  
Purchasing Decisions ◽  
Location Factor ◽  
Coffee Powder ◽  
Product Factor ◽  
The Relationship

 On the other hand, with concern from this research, it can encourage coffee business owners themselves to produce better and quality ground coffee to increase consumers to buy the Banaran coffee powder products. This study aims to analyze the relationship between marketing mix factors such as price, product, promotion, and location to the decision to purchase Kopi Bubuk Banaran in cafee restaurant Banaran Gemawang. This research was carried out in July-August 2018. The location located in the area of ??the Coffee Plantation road. Raya Semarang Yogyakarta Gemawang, Jambu District, Semarang Regency. The type of research conducted is descriptive quantitative research. The sampling technique uses accidental sampling. Respondents in this study were 50 respondents who visited and bought Banaran powder coffee. Data collection is obtained by means of interviews, questionnaires, documentation and literature. The results show that the price factor (X1) has a positive and significant relationship with the purchasing decision (Y), and a strong level of relationship. Product factor (X2) has a positive and significant relationship with purchasing decisions (Y), as well as a strong level of relationship. Location factor (X4) has a positive and significant relationship with purchasing decisions (Y), as well as a strong relationship level. Promotion factor (X3) does not have a significant relationship with purchasing decisions (Y).

scholarly journals Analysis of the Relationship between Credit Risk and Bank Performance of Some Commercial Banks in Ghana

2020 ◽  
Vol 8 (2) ◽  
pp. 34-51
Author(s):  
Joseph Acquah ◽  
Yusif Arthur ◽  
Damianus Kofi Owusu
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Research Approach ◽  
Independent Entity ◽  
The Relationship

This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.

scholarly journals Determinants of Credit Risk: Evidence From Commercial Banks in Malaysia

2021 ◽  
Vol 16 (1) ◽  
pp. 134-143
Author(s):  
Noor Hafizha Muhamad Yusuf ◽  
Mohamad Shukery Mohamad Shamsudin ◽  
Wan Mohd Yaseer Mohd Abdoh ◽  
Noor Sharida Badri Shah ◽  
Rozihanim Shekh Zain
Keyword(s):  
Credit Risk ◽  
Significant Relationship ◽  
Commercial Banks ◽  
Fe Model ◽  
Panel Regression ◽  
Return On Equity ◽  
Factors Affecting ◽  
Independent Variables ◽  
Interest Income ◽  
The Relationship

The purpose of this study is to determine the relationship between microeconomic factors with credit risk among selected commercial banks in Malaysia. For this purpose, a sample of seven out of 27 commercial banks in Malaysia was selected and the microeconomic factors affecting credit risk with six measurements of return on asset (ROA), bank size, leverage, the ratio of capital, interest income and return on equity (ROE) were examined by applying Panel Regression Fixed Effect (FE) Model for a period 20 years from 1998 to 2017. The scope of the study covers seven selected commercial banks in Malaysia namely: Affin Bank Berhad, Alliance Bank Malaysia Berhad, CIMB Bank Berhad, Hong Leong Bank Berhad, Malayan Banking Berhad, Public Bank Berhad and RHB Bank Berhad. This study is using credit risk proxy by non-performing loan for dependent variable while independent variables that have been selected were returned on asset (ROA), bank size, leverage, the ratio of capital, interest income and return on equity (ROE). The findings of the study managed to reject the null hypothesis for return on asset, bank size, leverage, interest income and return on equity which indicates the five microeconomic variables give a significant relationship with credit risk. There are positive relationships between leverage, interest income and return on equity with credit risk while return on asset, bank size and ratio of capital are negatively related to credit risk. However, the study fails to find any significant relationship between the ratio of capital and credit risk for commercial banks in Malaysia.

scholarly journals CARING NURSE RELATIONSHIP WITH PREVENTIONOF FALLING IN INPATIENT WARDS

2020 ◽  
Vol 2 (2) ◽  
pp. 108-112
Author(s):  
Cindy Oktaviana ◽  
Andy Aryoko ◽  
Lilik Pranata
Keyword(s):  
Significant Relationship ◽  
Quantitative Research ◽  
Nursing Practice ◽  
Survey Methods ◽  
Cross Sectional ◽  
Private Hospitals ◽  
Prevention Of Falling ◽  
Study Results ◽  
Cross Sectional Design ◽  
The Relationship

Caring is a carer covering care for patients, where care is working to increase the concern for patients further. Caring is an essential part of nursing practice. The study results indicate the importance of preventing the fall of patients by increasing the number of nurses. The study aims to discover the relationship between nurse nets and the prevention of falling patients in the space in one of the Private Hospitals in Palembang City. This study uses quantitative research using analytical survey methods with cross-sectional design and technical sampling taking using stratified and sampling respondents who amount to 60 respondents. This study found 51 (85%) who stated that nurses were very caring, and 9 (15%) stated that nurses were cary. For nurses in the prevention of falling patients, 57 people (95%) and nurses who prevented patients from falling in 3 people (5%). The results of the test know that ρ-value 0.005 <0.05 means that there is a significant relationship between nurse care and prevention of patients falling in the hospital room for private hospitals in Palembang. Based on the results of this study, nurses caring is expected to increase, and falling patients can be reduced by preventing falling patients.

scholarly journals Relationship between Madrasah Head Leadership and Teacher Performance

2021 ◽  
Vol 4 (4) ◽  
pp. 155-161
Author(s):  
Islahuddin Islahuddin ◽  
Wildan Wildan ◽  
Baehaqi Baehaqi
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Significant Relationship ◽  
Quantitative Research ◽  
Teacher Performance ◽  
Survey Methods ◽  
Data Analysis Technique ◽  
Analysis Technique ◽  
The Relationship ◽  
Simple Regression

The purpose of this study is to find out the relationship between the leadership of the head of Madrasah Ibtidaiyah and the performance of Madrasah teachers in Lingsar District of West Lombok Regency in 2021. This research is quantitative research using survey methods. The population in this study is all teachers in madrasah-Ibtidaiyah in Lingsar district of West Lombok Regency which amounted to 102 teachers. This research sample amounted to 50 teachers spread across Ibtidaiyah madrassa of Lingsar District of West Lombok Regency. The data analysis technique used in this study is regression analysis, both simple regression and double regression. The results showed that there was a positive and significant relationship between the leadership of the head of Madrasah Ibtidaiyah and the performance of Madrasah Ibtidaiyah teachers in Kacamatan Lingsar West Lombok Regency with a contribution of 57%.

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