scholarly journals Efficiency, Profitability and Stability of Nepalese Commercial Banks

The Batuk ◽  
2021 ◽  
Vol 7 (2) ◽  
pp. 15-36
Author(s):  
Pitri Raj Adhikari
Keyword(s):  
Significant Relationship ◽  
Commercial Banks ◽  
Comparative Research ◽  
Descriptive Statistics ◽  
Bank Efficiency ◽  
Financial Reports ◽  
Independent Variables ◽  
Research Designs ◽  
The Relationship ◽  
Insight Into

Efficiency, profitability and stability become an area of emergent concern in the literature and the practice. This paper attempts to examine the efficiency, profitability and stability of the Nepalese commercial banks and shows the importance of banking activities rather than simply profit achieved. Descriptive and causal-comparative research designs are used and data are collected from the financial reports of respective banks and NRB reports during the period of 2011/12 to 2019/20 of 27 commercial banks with 243 observations. Descriptive statistics have been used to present quantitative data in a manageable form and the relationship between dependent and independent variables are examined using correlation, simple and multiple regression analysis. It is found a negative and significant relationship between bank efficiency and profitability; a positive and significant relationship between bank efficiency and stability. Perhaps, this paper may be the first attempt to examine the determinants of efficiency, profitability and stability of Nepalese commercial banks. It is expected this study will bring new insight into the banking field and would provide a framework and guidelines for future study in Nepalese financial sectors.

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.

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.

Employees’ Turnover Intention in Nepalese Commercial Banks

2021 ◽  
Vol 5 (1) ◽  
pp. 93-101
Author(s):  
Pitri Raj Adhikari
Keyword(s):  
Organizational Culture ◽  
Organizational Justice ◽  
Turnover Intention ◽  
Commercial Banks ◽  
Comparative Research ◽  
Influencing Factor ◽  
Multiple Regression Model ◽  
Independent Variables ◽  
The Relationship ◽  
Structured Questionnaire

This paper attempts to investigate the factors influencing the employees’ turnover intention in Nepalese commercial banks. It has employed descriptive and causal comparative research design to estimate the relationship between dependent (employees’ turnover) and independent variables (compensation, organizational justice, organizational culture, leadership empowerment behavior, job stress). To achieve the purpose of the study structured questionnaire was prepared and distributed to 540 respondents of 27 commercial banks but only 300 usable questionnaires are received. Mean, standard deviation, correlation and multiple regression model are used to analyze the data. Employees’ turnover intention is positively and significantly correlated with all independent variables. It is found that organizational justice is the most influencing factor followed by organizational culture whereas compensation is the least influencing factor for employees’ turnover intention in Nepalese commercial banks. This study is an endeavor to extend the literature of employees’ turnover intention in banking industry.

scholarly journals A Student’s Guide to the Classification and Operationalization of Variables in the Conceptualization and Design of a Clinical Study: Part 1

2021 ◽  
Vol 43 (2) ◽  
pp. 177-179 ◽  
Author(s):  
Chittaranjan Andrade
Keyword(s):  
Clinical Study ◽  
Significant Relationship ◽  
Research Experience ◽  
Process Variables ◽  
Know How ◽  
Independent Variables ◽  
Cause And Effect ◽  
Confounding Variables ◽  
Dependent Variables ◽  
The Relationship

Students without prior research experience may not know how to conceptualize and design a study. This article explains how an understanding of the classification and operationalization of variables is the key to the process. Variables describe aspects of the sample that is under study; they are so called because they vary in value from subject to subject in the sample. Variables may be independent or dependent. Independent variables influence the value of other variables; dependent variables are influenced in value by other variables. A hypothesis states an expected relationship between variables. A significant relationship between an independent and dependent variable does not prove cause and effect; the relationship may partly or wholly be explained by one or more confounding variables. Variables need to be operationalized; that is, defined in a way that permits their accurate measurement. These and other concepts are explained with the help of clinically relevant examples.

A study of the relationship between employee wage and commercial banks efficiency in China

2016 ◽  
Vol 7 (2) ◽  
pp. 147-159
Author(s):  
Jiangtao Li ◽  
Jianyue Ji ◽  
Yanxia Wang
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Calculated Data ◽  
Wage Structure ◽  
Tobit Regression ◽  
Bank Efficiency ◽  
Content Type ◽  
Per Capita ◽  
The Impact ◽  
The Relationship

Purpose Efficiency of a commercial bank affects both its competitiveness and the role it plays in the process of economic development. Although great efforts have been exerted in developing the various aspects of banking efficiency, there seems to be a lack of research on examining the impact of the bank efficiency from the employee wage perspective. The mechanism of how employee wage affects commercial bank efficiency and the relationship between the two were analyzed in this paper. Based on the growing body of research on efficiency in banking, the aim of this paper is to examine if competitiveness of employee wages at any commercial bank has any impact on the bank efficiency score. Design/methodology/approach The method used was quantitative analysis, which was based on comparing the evaluated efficiencies of the banks with employee wages published in the bank reports. The empirical data in this paper were based on 16 Chinese listed commercial banks from 2004 to 2012. The per capita wage of commercial banks was selected as the wage indicator, and the efficiency value obtained by the slack-based measure (SBM) model was selected as the efficiency indicator. According to the calculated data, the Tobit regression model was built to analyze the relationship between employee wage and commercial bank efficiency. Findings The research results show that employee wage is the key variable that influences the efficiency of Chinese commercial banks, and the inverted U-shaped relationship between employee wage and commercial banks efficiency shows up. Practical implications The wage structure data of the composition of basic pay and bonus were not available at the time of conducting the research. Per capita wages were used instead to reflect the employee wage levels of Chinese banks. Originality/value This study can provide some help for the banking industry by analyzing the wage levels from the perspective of efficiency and also further enriches the theoretical system of the relationship between employee wage and bank efficiency.

scholarly journals People’s perception and awareness on air pollution in rural and urban areas of Mymensingh Sadar upazila

2018 ◽  
Vol 29 (1) ◽  
pp. 22-32
Author(s):  
R Sarker ◽  
M Yeasmin ◽  
MA Rahman ◽  
MA Islam
Keyword(s):  
Air Pollution ◽  
Family Size ◽  
Significant Relationship ◽  
Rural Areas ◽  
Urban Areas ◽  
Correlation Coefficients ◽  
Educational Qualification ◽  
Independent Variables ◽  
Rural And Urban Areas ◽  
The Relationship

The present study was conducted to investigate peoples’ perception level and awareness of air pollution in some selected areas of Mymensingh sadar upazila. The relationship of independent variables (age, educational qualification, family size, residence and communication exposure) with the peoples’ perception level and awareness of air pollution (dependent variable) was done to understand the objectives of the study. Six Hundreds (600) respondents were selected randomly from six study sites under Mymensingh sadar upazila for collecting data during the period of Jan 2016-April, 2017. Pearson’s product-moment correlation coefficients were computed to examine the relationship between the concerned variables. The findings revealed that about half (46.67 percent) of the peoples had medium perception and awareness, 31.67 percent had low and 21.67 percent had high perception and awareness about air pollution. In rural areas, 43.33 percent respondents had low, 50.00 percent had medium and only 6.67 percent had high perception and awareness of air pollution. In urban areas, 20.00 percent respondents had low, 43.33 percent had medium and 36.67 percent had high perception and awareness of air pollution. Majority of the respondents (93.33 percent) were lacking of proper awareness of air pollution in rural areas while 63.33 percent in urban areas. Out of five independent variables, three variables such as educational qualification, residence and communication exposure had positive and significant relationship, age had negative and significant relationship and family size had no relationship with their perception and awareness of air pollution.Progressive Agriculture 29 (1): 22-32, 2018

scholarly journals The Impact of Social Responsibility Disclosure in Reducing the Risk in Jordanian Commercial Banks

2020 ◽  
Vol 11 (3) ◽  
pp. 142
Author(s):  
Yousef Shahwan ◽  
Oways Abdel-hamid
Keyword(s):  
Social Responsibility ◽  
Stock Prices ◽  
Commercial Banks ◽  
Financial Reports ◽  
The Social ◽  
Dependent Variables ◽  
Simple Regression Analysis ◽  
The Impact ◽  
The Relationship ◽  
Simple Regression

This study investigates the impact of disclosure of social responsibility in reducing risks in Jordanian commercial banks. To realize the goal of this study, the researcher followed the descriptive-analytical method. The data of the study sample was gathered from the financial reports of the listed banks on the Amman Financial Market that pertain to stock prices and market return in the period 2014-2018. The study used simple regression analysis to examine the relationship between independent and dependent variables. Among the most prominent findings of the study, there is an impact of the social responsibility disclosure in reducing risks, as well as an effect of the dimensions of social responsibility: the environment, customers and employees in reducing risks.

scholarly journals Correlation of Islamic Spirituality in Reducing Student’s Delinquency Problems

2020 ◽  
Vol 8 (1) ◽  
pp. 53
Author(s):  
Ruhaiza Binti Padzil ◽  
Mohd Zailani Mohd Yusoff ◽  
Muhamad Dzahir Kasa
Keyword(s):  
Secondary Schools ◽  
Significant Relationship ◽  
Random Sampling ◽  
Quantitative Data ◽  
Pearson Correlation ◽  
Delinquent Behavior ◽  
Descriptive Statistics ◽  
Survey Method ◽  
Pilot Sample ◽  
The Relationship

This study aimed to identify the relationship between Islamic spirituality and the level of delinquent behavior. Islamic spirituality among students is studied in terms of belief and faith, extrinsic and intrinsic aspects. This study used the survey method. The sample of this study was selected using random sampling. Data was collected from a pilot sample of 120 Malay students studying in ordinary secondary schools in Johor using questionnaires. The research questionnaire used Islamic Spiritual Disposition Questionaire (ISDQ) developed by Mohd Zailani (2009) and Delinquency Behaviour Disposition questionnaires developed by Carl Jung’s (1997). Quantitative data were analyzed using descriptive statistics and Pearson correlation. The analysis of the study showed that there is a significant relationship between the dimensions of Islamic spirituality and the level of delinquent behavior among students. The findings of the study showed that the domains involved in Islamic spirituality may reduce the tendency of delinquent behavior among students.

scholarly journals DETERMINANTS OF EFFICIENCY IN ALBANIAN BANKING INDUSTRY; AN EMPIRICAL DIAGNOSIS

2016 ◽  
Vol 4 ◽  
pp. 098-105
Author(s):  
Elona Shehu
Keyword(s):  
Regression Analysis ◽  
Significant Relationship ◽  
Commercial Banks ◽  
Banking Industry ◽  
Banking System ◽  
Capital Adequacy ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Considerable Decrease ◽  
Bank Efficiency

Many articles discuss the importance of banking systems and their profitability as well as the factors determining these. This article examines the determinants of bank efficiency in the Albanian banking industry. During the second half of this decade a considerable decrease in the efficiency ratio of the Albanian banking system was evident. To understand which factors affected the efficiency, and whether Albania should control certain factors in order to improve efficiency, relationships between particular factors were analyzed using a multiple regression analysis. The study examines 16 commercial banks in Albania, from 1998 to 2015. It finds a significant relationship between efficiency, capital adequacy, the return on assets, and solvency

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>

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