SME Financing: A UAE Entrepreneur Perspective

2021 ◽  
Vol 9 (1) ◽  
Author(s):  
Abid Mahmood Muhammad ◽  
Mohammed Bilal Basha ◽  
Gail Al Hafidh
Keyword(s):  
United Arab Emirates ◽  
Sampling Method ◽  
Abu Dhabi ◽  
Islamic Banking ◽  
Motivating Factors ◽  
Mena Region ◽  
Statistical Tools ◽  
Research Findings ◽  
Convenience Sampling ◽  
Sme Financing

This research is an investigation into the motivating factors driving choice of bank for SME entrepreneurs in the United Arab Emirates (UAE). The study aims to highlight the challenges and suggest solutions in addressing the credit gap between the cash flow needs of SME entrepreneurs and the finance policies of UAE banks. The data collected was generated from a sample of SME owner-managers in three emirates: Abu Dhabi, Dubai and Sharjah. A structured research questionnaire was distributed and the convenience sampling method resulted in 380 completed responses. These were analyzed using appropriate statistical tools. The results of the study will enable banks to better understand and analyze the key determinants that impact the SME entrepreneurs’ attitude in bank selection and the products and services this particular group values. Research findings are also envisaged to be of particular interest to scholars and practitioners of Islamic Banking specifically, inspiring further studies across the MENA region.  

scholarly journals Public Opinion on Caste Discrimination in Higher Education

2019 ◽  
Vol 8 (4) ◽  
pp. 7807-7809
Keyword(s):  
Higher Education ◽  
South Asia ◽  
Sampling Method ◽  
Statistical Tools ◽  
Chi Square ◽  
The Public ◽  
Descriptive Research ◽  
Caste Discrimination ◽  
Convenience Sampling ◽  
The Difference

The division of a general public into castes is a worldwide wonder not solely honed inside a specific religion or conviction framework. In South Asia, caste discrimination is generally established in the Hindu caste framework, as per which Dalits are considered 'pariahs'. Most Dalit understudies who go to a college are original students. The main objective of the study is to understand the caste discrimination in higher education with special reference to Chennai, and to identify the difference between caste discrimination in one’s educational life. Descriptive research is used and convenience sampling method is used to collect the samples. The statistical tools used here is ANOVA, independent sample t test, and chi-square. The sample size is 1860. The paper concludes that more awareness is needed among the public about the abolition of caste discrimination in higher education.

scholarly journals ANALISIS LOYALITAS KONSUMEN PERBANKAN SYARIAH DI SUMATERA BARAT

2019 ◽  
Vol 4 (2) ◽  
pp. 165
Author(s):  
RONI ANDESPA ◽  
RANGGA WISANGGARA ◽  
FAZNIL HUSNA S. RASYAD
Keyword(s):  
Customer Loyalty ◽  
Brand Loyalty ◽  
Sampling Method ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Probability Sampling ◽  
Islamic Bank ◽  
West Sumatra ◽  
Convenience Sampling

This study aims to analyze the loyalty of Islamic bank customers in West Sumatra. The object of research is all Islamic banks operating in West Sumatra. The population of this study is all Islamic banking customers in the province of West Sumatra. The research sample is 200 Islamic bank customers. The technique used in sampling is a non probability sampling method using Convenience sampling. The level of customer loyalty can be seen from the level of brand loyalty. In general, customer loyalty to Islamic banks in West Sumatra is very good or loyal. This can be seen from the value of the possibility of brand transfer (ProT) of Islamic banks in West Sumatra is (25.5%) and the Atrition Rate is (3%), these results indicate the percentage of a customer moving to another company, which is obtained from the reduction in the value of ProT with a percentage of non-loyal values

scholarly journals Challenges impacting on small independent retailers performance in Soweto, Johannesburg in South Africa

2016 ◽  
Vol 13 (3) ◽  
pp. 258-266 ◽  
Author(s):  
K.M. Makhitha
Keyword(s):  
South Africa ◽  
Business Performance ◽  
Sampling Method ◽  
Jel Classification ◽  
Survey Method ◽  
Inventory Costs ◽  
Different Types ◽  
Research Findings ◽  
Convenience Sampling ◽  
Better Than

This study investigated the challenges independent retailers in Soweto, Johannesburg in South Africa face. The empirical research using a survey method was conducted among independent retailers selling different types of goods. Due to inaccessibility of a database on independent retailers in SA, a convenience sampling method was adopted for the study. Existing literature was used to design a questionnaire targeted at independent retailers to investigate the challenges that impact on their business performance. The findings of the study revealed that competition is the major challenge that independent retailers face which is supported by existing research findings. Other challenges included costs of buying the products, high inventory costs and high rental costs. Furthermore, this study found that marketing related challenges are major challenges compared to finance related challenges. Independent retailers need to market the businesses appropriately in order to survive and do better than their competitors. Keywords: independent retailess, costs, buying, selling, goods. JEL Classification: L81, F1

What drives consumer choice of Islamic banking services in the United Arab Emirates?

2018 ◽  
Vol 11 (1) ◽  
pp. 79-95 ◽  
Author(s):  
Anamitra Shome ◽  
Fauzia Jabeen ◽  
Rajesh Rajaguru
Keyword(s):  
University Students ◽  
United Arab Emirates ◽  
Consumer Choice ◽  
Islamic Banking ◽  
Muslim Country ◽  
Content Type ◽  
Banking And Finance ◽  
Islamic Bank ◽  
Gender Education ◽  
Research Findings

Purpose Islamic banking (IB) has witnessed remarkable growth in the past decade. The purpose of this study is to explore some factors that are influencing the choice of Islamic banking and finance (IBF) products and services in the United Arab Emirates (UAE), a predominantly Muslim country. Design/methodology/approach Students enrolled at a university located in a major emirate in the UAE were asked to respond to a survey on factors underlying their decision to open an account at an Islamic bank. Responses were analyzed using descriptive statistics, analysis of variance and regression analysis. Findings Results indicate that the decision to open an account with an Islamic bank is influenced by consumer expectations regarding the conformity of the bank’s operations with Islamic principles, as well as consumers’ Arab language skills. Variables such as consumers’ nationality, gender, education and familiarity with IB do not have a significant influence on the decision to open an account at an Islamic bank. Research limitations/implications The study focuses on university students from a certain Emirate only, which somewhat limits the generalizability of the research results. Nevertheless, the findings of this study may potentially provide some practical insights for further improving and promoting IB, with special reference to the UAE youth market segment. Originality/value The research is original in nature, particularly as there have not been many instances where the choice of potential consumers (university students) regarding IB and finance services has been explored within the IB sector in a predominantly Muslim nation such as the UAE, an emerging Gulf economy. Consequently, the research findings have important implications for Islamic banks operating in a predominantly Islamic environment.

UAE Islamic banking promotional strategies: an empirical review

2019 ◽  
Vol 11 (2) ◽  
pp. 405-422 ◽  
Author(s):  
Abid Mahmood Muhammad ◽  
Mohamed Bilal Basha ◽  
Gail AlHafidh
Keyword(s):  
United Arab Emirates ◽  
Banking Sector ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Mena Region ◽  
Content Type ◽  
Key Factor ◽  
Promotional Strategies ◽  
Use Of Social Media ◽  
Customer Attitude

PurposeThe purpose of this paper is to develop, measure and empirically validate the promotional techniques adopted by Islamic banks and the effect of these methods on consumer interest in Islamic banking products and services in the UAE (United Arab Emirates).Design/methodology/approachData were collected through 250 questionnaires distributed randomly to customers of five leading UAE Islamic banks and, following outlier analysis, the final sample size was reduced to 205, representing a sample of 82% of polled respondents. Multiple regression analysis was used on four key factor determinants that contributed towards the customers’ attitude in determining the most influential promotional strategies adopted by the Islamic banks.FindingsThe study found that the promotional strategies adopted by the UAE Islamic banking sector are having a significant impact on customer attitude towards Islamic banking products and services. The use of mass media has been partially successful, while the use of social media as a promotional tool is predicted to further enhance competitiveness for the UAE Islamic banking industry.Research limitations/implicationsThis paper is limited to five leading UAE Islamic banks and a specified set of promotional techniques nevertheless its findings have potential implications and can be extended and validated through studying the customers’ attitude towards promotion techniques used by Islamic banks in the GCC and MENA regions.Originality/valueThis paper adds value to the limited research on modern marketing and promotional strategies adopted by UAE-based Islamic banks and while regionally specific, it is valuable in its potential application to the Islamic banking sector in the entire GCC and MENA region.

scholarly journals Replacing Land-Use Planning with Localized Form-Based Codes in the United Arab Emirates: A Proposed Method

Land ◽  
2019 ◽  
Vol 8 (3) ◽  
pp. 47
Author(s):  
Arwa Khalid Sabri ◽  
Khaled Galal Ahmed
Keyword(s):  
Land Use ◽  
United Arab Emirates ◽  
Land Use Planning ◽  
Community Involvement ◽  
Urban Neighborhoods ◽  
Capital City ◽  
Abu Dhabi ◽  
Mena Region ◽  
Urban Forms ◽  
Essential Components

Abu Dhabi, the capital city of the United Arab Emirates (UAE), is one of the pioneering cities in the Middle East and North Africa (MENA) region that have recently prepared urban sustainability agendas for their cities. Nonetheless, the recently developed urban neighborhoods in Abu Dhabi mostly rely on Land Use planning and their urban forms are still missing essential sustainability qualities. The Form-Based Code (FBC), a sustainable planning tool that helps realize sustainable urban forms, is suggested in this research as an alternative for the conventional Land Use planning currently applied for new urban neighborhoods in Abu Dhabi. The research adopted a method for ‘localizing’ the global tenets and initiation processes of FBCs that outfit the local urban conditions. The investigation of the locally applied form-related regulations and guidelines revealed that they could be transformed into a localized FBC, but still lack some essential components of the FBC’s principles while the community involvement in initiating them was fairly limited. The research examined the applicability of this localized FBC model through interviewing the concerned stakeholders to identify the challenges that might face the adoption of it. The research concluded with recommending a set of actions for implementing the model in Abu Dhabi and other cities sharing similar urban circumstances.

Educating Ms. Fatima

1970 ◽  
pp. 56-63
Author(s):  
Tim Walters ◽  
Susan Swan ◽  
Ron Wolfe ◽  
John Whiteoak ◽  
Jack Barwind
Keyword(s):  
Federal Government ◽  
Free Trade ◽  
United Arab Emirates ◽  
Arabian Peninsula ◽  
High Technology ◽  
Emerging Technology ◽  
Abu Dhabi ◽  
Free Trade Zones ◽  
Knowledge Based ◽  
K 12

The United Arab Emirates is a smallish Arabic/Islamic country about the size of Maine located at the tip of the Arabian Peninsula. Though currently oil dependent, the country is moving rapidly from a petrocarbon to a people-based economy. As that economy modernizes and diversifies, the country’s underlying social ecology is being buffeted. The most significant of the winds of change that are blowing include a compulsory, free K-12 education system; an economy shifting from extractive to knowledge-based resources; and movement from the almost mythic Bedouin-inspired lifestyle to that of a sedentary highly urbanized society. Led by resource-rich Abu Dhabi and Dubai, the federal government has invested heavily in tourism, aviation, re-export commerce, free trade zones, and telecommunications. The Emirate of Dubai, in particular, also has invested billions of dirhams in high technology. The great dream is that educated and trained Emiratis will replace the thousands of foreign professionals now running the newly emerging technology and knowledge-driven economy.

Consumption Emotions and Consumer Values among Turkish Consumers during the COVID-19 Pandemic

2020 ◽  
Vol 8 (2) ◽  
pp. 135-160
Author(s):  
Nevin Karabiyik Yerden
Keyword(s):  
Questionnaire Survey ◽  
Sampling Method ◽  
Significant Positive Effect ◽  
Consumption Emotions ◽  
The World ◽  
Consumer Values ◽  
Convenience Sampling ◽  
Business Structures ◽  
Consumer Lifestyles ◽  
Positive Effect

The COVID 19 pandemic created economic havoc around the world. Along with healthcare challenges, the pandemic has also been changing consumer lifestyles. It affects business structures and service delivery too. This article draws on an investigation of the effect of consumption emotions of Turkish consumers on consumer values during the COVID 19 Pandemic. A convenience sampling method was adopted in the study and a questionnaire survey was administered to collect 390 consumer cases. The results show that the consumption emotions of Turkish consumers during the COVID 19 Pandemichad a significant positive effect on consumer values. It was found that Turkish consumers were to feel anxiety, calmness and hope more often than not during the pandemic.

The Effect of Prestige Sensitivity on Price Acceptance in Vietnam’s Mobile Phone Market

2018 ◽  
pp. 97-112
Author(s):  
Huyen Thi Nguyen ◽  
Ngoc Minh Nguyen
Keyword(s):  
Mobile Phone ◽  
Mobile Phones ◽  
Structural Equation ◽  
Sampling Method ◽  
Product Knowledge ◽  
Mediating Role ◽  
Modelling Method ◽  
Equation Modelling ◽  
Convenience Sampling

The purpose of this study is to examine the effect of prestige sensitivity on mobile phone customer’s price acceptance in Vietnam and the mediating role of product knowledge and price mavenism on this relationship. We used the convenience sampling method for data collection via questionnaires with a sample of 605 consumers who purchased mobile phones. The collected data was analysed by applying a structural equation modelling method. The result indicates that prestige sensitivity has both direct and indirect effects on price acceptance via product knowledge and price mavenism. The findings suggest that prestige sensitivity can be used as a market segmentation criterion for mobile phones when making price decisions and providing customers with adequate information could improve price acceptance.

PROFITABILITY ANALYSIS OF NORMAL SEASON AND OFF-SEASON MUSKMELON CULTIVATION IN DISTRICT SIALKOT, PAKISTAN

1970 ◽  
pp. 24
Author(s):  
MUHAMMAD TAHIR LATIF, FALAK SHER, MUZZAMMIL HUSSAIN
Keyword(s):  
Sampling Method ◽  
Field Survey ◽  
Market Price ◽  
Primary Data ◽  
Customer Demand ◽  
Net Return ◽  
Profitability Analysis ◽  
Economic Parameters ◽  
Convenience Sampling ◽  
Gross Income

A field survey was conducted during 2016 to estimate the profitability of normal season and off-season muskmelon cultivation in district Sialkot, Pakistan. The primary data was collected from forty farmers with convenience sampling method. Economic parameters like net return and BCR were employed. Off-season muskmelon cultivation was found economically feasible due to additions of yield (17%), gross income (122%), profit (161%) and market price (90%) in comparison to normal season crop. Therefore, it is recommended to cultivate the off-season muskmelon (BCR 3.26) to obtain more profit and fulfill the customer demand in less supply period instead of normal season cultivation (BCR 2.44).

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