How commercial banks can offer financial products to SMEs for investing in energy efficiency

2014 ◽  
Vol 25 (3) ◽  
pp. 236-245
Author(s):  
Simone Anzboeck ◽  
Inez Couzinet
Keyword(s):  
Energy Efficiency ◽  
Commercial Banks ◽  
Financial Products

scholarly journals The Impact of Business Scale of “Shadow Banking” on Credit Risk of Commercial Banks --Take Ten Domestic Listed Commercial Banks as Examples

2017 ◽  
Vol 9 (5) ◽  
pp. 94 ◽  
Author(s):  
Sijia Wen ◽  
Jishan Ma ◽  
Yawen Pan ◽  
Yuan Qi ◽  
Ruizhi Xiong
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Balance Sheet ◽  
Commercial Banking ◽  
Shadow Banking ◽  
Financial Products ◽  
Banking Business ◽  
The Government ◽  
Definition Of ◽  
The Impact

In this article, according to search for the definition of shadow banking, we can make sure the business kinds of “shadow banking”, discuss the influence of business in “shadow banking” on credit risk of commercial banks, and study the elements which may increase the credit risk of commercial banks by using the semi-annual panel data during 2011-2016 of 10 listed banks. Then we can come to some primary conclusions: The credit risk of commercial banks is related to the shadow banking business. All the survival scale increment of financial products increasing, the size of entrusted loans increasing in increment, and the increasing in the size of guarantee commitments will increase the credit risk of commercial banks. There is no obvious relationship between trust loan business and bank credit risk. Our study is of great significance for the government to supervise the off-balance-sheet business of commercial banks. At the same time, it also fills the vacancy of domestic commercial banking “shadow banking” business empirical research.

TOOLS OR SYSTEMS FOR IMPROVING ACCESSIBILITY TO FINANCIAL PRODUCTS AND SERVICES.

2017 ◽  
Vol 2 (4) ◽  
pp. 17
Author(s):  
Michael Njeru Njue ◽  
Marion Mbogo
Keyword(s):  
Small Businesses ◽  
Commercial Banks ◽  
Credit Scoring ◽  
Financial Education ◽  
Target Population ◽  
Survey Study ◽  
Sampling Frame ◽  
Access To Credit ◽  
Financial Products ◽  
Negative Effect

Purpose: The purpose of this study was to highlight the need for banks to develop financial products and services for small and medium enterprises.Methodology:The research design was descriptive survey study. The target population was 46 commercial banks .The sampling frame was the list of commercial banks given at the Central bank of Kenya Website. A sample of 17 banks was selected using random sampling. The second stage of sampling involved the selection of the respondents using a stratified sampling approach. The strata were the various departments that interact with SMEs in a bank. The respondents were the head of departments of the respective departments that form the strata. Both qualitative and quantitative data was collected using a questionnaire that consisted of both open ended and close ended questions. Data was analyzed using Statistical Package for Social Sciences (SPSS.Results: One of the study objectives was to establish the level of access to financial products and services offered by the banks to SMEs. Results from the bank manager’s perspective indicated that the level of access to finance was high, but the bank clients indicated otherwise, that it was low. The other objective of the study was to determine the factors that hinder the SMEs from accessing the financial products offered by banks. Results indicated that several factors influence access of SMEs to finance. These factors include gender, level of education, size of the business, age of the entrepreneur, collateral, and level of income for the entrepreneurs. All the factors had a negative effect on the access of finances from the banks by SMEs and hence indicate SMEs low access to financial products. Another objective of the study was to establish the tools or systems required to improve accessibility to financial products offered. Results indicated that there are tools and systems put in place by banks to improve accessibility to financial products offered to small and medium enterprises.Unique contribution to theory, practice and policy:The study recommended that training be emphasized to SME entrepreneurs on financial matters, all gender to be treated equally, the banks to introduce financial education programs for SMEs to improve their access to credit, banks to further make use of a credit scoring system to assess the credit worthiness of small businesses and to introduce the use of new credit bureau regulations to increase SME finances.

LEVEL OF ACCESS TO FINANCIAL PRODUCTS AND SERVICES FOR SMALL AND MEDIUM ENTERPRISES IN KENYA.

2017 ◽  
Vol 2 (3) ◽  
pp. 31
Author(s):  
Michael Njeru Njue ◽  
Marion Mbogo
Keyword(s):  
Small Businesses ◽  
Commercial Banks ◽  
Small And Medium Enterprises ◽  
Credit Scoring ◽  
Financial Education ◽  
Target Population ◽  
Survey Study ◽  
Sampling Frame ◽  
Financial Products ◽  
Medium Enterprises

Purpose: The purpose of this study was to highlight the level of access to financial products and services for small and medium enterprises in KenyaMethodology:The research design was descriptive survey study. The target population was 46 commercial banks .The sampling frame was the list of commercial banks given at the Central bank of Kenya Website. A sample of 17 banks was selected using random sampling. The second stage of sampling involved the selection of the respondents using a stratified sampling approach. The strata were the various departments that interact with SMEs in a bank. The respondents were the head of departments of the respective departments that form the strata. Both qualitative and quantitative data was collected using a questionnaire that consisted of both open ended and close ended questions. Data was analysed using Statistical Package for Social Sciences (SPSS.Results: The study objectives were to establish the level of access to financial products and services offered by the banks to SMEs. Results from the bank manager’s perspective indicated that the level of access to finance was high, but the bank clients indicated otherwise, that it was low. The other objective of the study was to determine the factors that hinder the SMEs from accessing the financial products offered by banks. Results indicated that several factors influence access of SMEs to finance. These factors include gender, level of education, size of the business, age of the entrepreneur, collateral, and level of income for the entrepreneurs. All the factors had a negative effect on the access of finances from the banks by SMEs and hence indicate SMEs low access to financial products. Results also indicated that there are tools and systems put in place by banks to improve accessibility to financial products offered to small and medium enterprises.Unique contribution to theory, practice and policy:The study recommended that training be emphasized to SME entrepreneurs on financial matters, all gender to be treated equally, the banks to introduce financial education programs for SMEs to improve their access to credit, banks to further make use of a credit scoring system to assess the credit worthiness of small businesses and to introduce the use of new credit bureau regulations to increase SME finances.

scholarly journals Simple Additive Weighting Method for The Assessment of Sharia Banking Performance

2020 ◽  
Vol 4 (1) ◽  
pp. 108-122
Author(s):  
Ari Suhartanto ◽  
Ismail Abdurrozzaq Zulkarnain ◽  
Yoga Prisma Yuda
Keyword(s):  
Commercial Banks ◽  
Performance Indicator ◽  
Financial Industry ◽  
Weighting Method ◽  
The Public ◽  
Average Value ◽  
Study Approach ◽  
Financial Products ◽  
Calculation Results ◽  
Simple Additive Weighting

The interest in Sharia-based financial industry products has increased rapidly, as evidenced by a large number of conventional Bank customers migrating to Islamic Commercial Banks (BUS). With this phenomenon, it is necessary to measure BUS financial performance in Indonesia by using the analysis of the Shariah Maqashid Index (SMI) concept as control and reference for the public to choose and utilize Islamic financial products in Indonesia with an empirical study approach. The object of this study is Islamic banks in Indonesia using purposive sampling techniques with the condition that only the category of Islamic Commercial Banks. The results of this study are indicators of all mashed shariah index variables with measurements using the SAW (Simple Additive Weighting) method as decision support. Eight BUS in Indonesia have different calculation results; each Islamic bank has advantages in SMI elements. That Bank Mualamah Syariah has the highest IK1 (Performance Indicator) for two years in a row. Bank Panin Syariah has the highest IK2 in 5 consecutive years. BCAS and Bank Syariah Bukopin have the highest IK3. In general, all BUS that has implemented maqashid syariah with the category 'good' because they have an average value of 3.00.

scholarly journals Determinants of interest free financial products in Ethiopian banking industry

2020 ◽  
Vol 8 (3) ◽  
pp. 219-230
Author(s):  
Debebe Alemu Kebede
Keyword(s):  
Commercial Banks ◽  
Banking Industry ◽  
Banking System ◽  
Structured Interview ◽  
Educational Background ◽  
Relative Advantage ◽  
Primary Data ◽  
Specific Reference ◽  
Financial Products ◽  
The Government

This study is undertaken to identify the determinants of the use and adoption of Interest free financial products in Ethiopian banking industry with specific reference to commercial banks. To achieve the aim of the study the primary data was collected from managers of some selected commercial banks through un-structured interview as well as from customers by using convenience method through standard questionnaires. While, secondary data was collected from documents of banks and Journals to triangulate with response obtained from primary data sources. The collected data was analyzed in descriptive and inferential analysis. The findings depicted as the Economic factors like unemployment and saving habits affecting the adoption of Interest free financial products and services by banks. Further, the obsoleting of technological environment, Inflexibility of government policies, Educational background of the customers and diverse cultures of the societies are the other factors that affecting adoption of financial products.  In addition, the Interest free financial products and services are not properly used by the customers as the result of their low level of awareness, the perceived relative advantage, perceived compatibility and perceived complexity and perceived trust of existing banking system. Based on the result it is recommended as the banks should properly adopt the Interest free financial products and services with taking into account of the external factors. Further, the banks should participate on aggressive promotion to aware the customers about their Interest free products and services, the government should formulate policies and regulations that minimizing bureaucracy of adopting technology by banks

scholarly journals Remittances through formal and alternative channels and its effect on financial inclusion in Kenya

2020 ◽  
Vol 9 (7) ◽  
pp. 144-149
Author(s):  
Emmanuel Kwesi Arthur ◽  
Salome Mwongeli Musau ◽  
Festus Mithi Wanjohi
Keyword(s):  
Commercial Banks ◽  
Service Providers ◽  
Moderating Effect ◽  
Financial Inclusion ◽  
Least Square ◽  
Ordinary Least Square ◽  
Financial Products ◽  
The World Bank ◽  
Alternative Sources ◽  
The Relationship

In the current dynamic world, those with no or little access to key financial products and services suffer a great deal of disservice. This study examines the effect of remittance channels (commercial banks and alternative sources) have on financial inclusion and then check the moderating effect of money remittance regulation on the relationship between the remittance channels and financial inclusion in Kenya. It uses the World Bank and Central Bank of Kenya’s dataset on remittances and financial inclusion covering the period from 2009 to 2018. We estimate our model using the Ordinary Least Square assumptions to find the association. We find that remittances from alternative channels other than commercial banks influence financial inclusion in Kenya. We further notice that the money remittance regulations have no moderating effect on the relationship between remittance channels and financial inclusion in Kenya. Our results suggest that commercial banks are not able to appropriately sell their products and services to remittance-receiving households while fintech and other internet remitting service providers seem to roll on products and services that enhance the use of savings and credit facilities. We suggest that more avenues and policies should be enacted to foster the use of alternative sources while improving structures within commercial banks to empower financial inclusion in Kenya

scholarly journals An analysis of the impact of liquidity constraints on new financial product development: case of ZB bank

2017 ◽  
Vol 7 (3) ◽  
pp. 65-76
Author(s):  
Newman Wadesango ◽  
L. Nani ◽  
Charity Mhaka ◽  
Ongayi Vongayi Wadesango
Keyword(s):  
Product Development ◽  
New Product Development ◽  
Commercial Banks ◽  
Financial Regulation ◽  
Negative Impact ◽  
Liquidity Constraints ◽  
Sampling Technique ◽  
New Product ◽  
Financial Products ◽  
The Impact

The study investigated the impact of liquidity constraints on development of new financial products in commercial banks. The descriptive research design was adopted and a case study of ZB Bank employed. A census sampling technique was adopted and questionnaires and interviews were self-administered by the researchers. Research outcomes proved that liquidity constraints are a major impediment to firm`s innovativeness. Financial project innovations are either not started, delayed or abandoned, but mostly the distribution and delivery of developed services for financial products are highly affected. The results of this study have contributed to existing literature in revealing that financial regulation tends to be another constraint for commercial banks discouraging product innovations. Rapid technological changes seem to fuel the need for new software and hardware for new product development thus necessitating the employment of a skilled workforce for new product development. Furthermore, customer demands are changing on a daily basis due to rapid changes in information technology thus making customer maintenance difficult for commercial banks. Based on the data gathered, the researchers concluded that there is a negative impact on new financial product development due to liquidity constraints. In such constrained times, we recommend that commercial banks should emphasize more the best technique suitable for successful new product development or invest their available funds in the development thereof.

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