scholarly journals Factors Influencing the Customer Switching Behaviour in Investment Banking

2020 ◽  
Vol 4 (1) ◽  
pp. 23-40
Author(s):  
Salawati Sahari ◽  
Nur Afiqah Othman ◽  
Shaharuddin Jakpar ◽  
Esmie Obrin Nichol
Keyword(s):  
Regression Analysis ◽  
Interest Rate ◽  
Service Quality ◽  
Prospect Theory ◽  
Investment Banking ◽  
Information Need ◽  
Factors Influencing ◽  
Switching Behaviour ◽  
Customer Switching ◽  
The Interest Rate

This study examines the factors that influence the customer switching behaviour especially in banks. The data was collected through questionnaires distributions to the respondents who were drawn from the customers who have investment account between Tabung Haji and Amanah Saham Nasional Berhad (ASNB) account banks in Malaysia.  In order to test the hypotheses, the multiple regression analysis was applied in this study, as predicted from the prospect theory. It was discovered that the reputation, service quality, distance, switching cost, price, involuntary switching, advertising as well as religious belief were not significant driver to the switching behaviour among the bank customers in Malaysia. Based on the findings of this study, it was recommended that bank manager should focus on service quality and also give undivided attention to the price. Therefore, the interest rate charged or fees ought to be followed up while adequate, timely information need to be given to the customers on reasons for change.

scholarly journals CITRA PERUSAHAAN SEBAGAI VARIABEL PEMODERASI PENGARUH LAYANAN TERHADAP KEPUASAN PASIEN DAN NIAT BERALIH

2019 ◽  
Vol 12 (1) ◽  
pp. 51
Author(s):  
Muhammad Zakiy
Keyword(s):  
Regression Analysis ◽  
Customer Satisfaction ◽  
Service Quality ◽  
Sampling Technique ◽  
Total Sample ◽  
Test Results ◽  
Purposive Sampling ◽  
Customer Switching

<p>This study aims to see the effect of service quality from 3 PKU Muhammadiyah Hospital in Jogja, Sleman and Bantul on customer satisfaction and customer switching intention which is moderated by the company's image. This study uses Moderated Regression Analysis (MRA), with a total sample of 111 customers/patients at the Muhammadiyah Yogyakarta Hospital. The data was collected online and offline by purposive sampling technique. This study proves that service quality is the main predictor in increasing customer satisfaction of PKU Muhammadiyah Yogyakarta hospital. However, the test results explain that the company's image is not able to moderate the influence of service quality on the customer satisfaction and switching intention. The results of this study also provide theoretical and practical contributions related to theoretical, methodological and practical issues.</p>

scholarly journals An Investigation Of Dynamic Dividend Behavior In Korea

2011 ◽  
Vol 10 (6) ◽  
pp. 21 ◽  
Author(s):  
Jinho Jeong
Keyword(s):  
Interest Rate ◽  
Stock Exchange ◽  
Firm Characteristics ◽  
Firm Level ◽  
Controlling Shareholders ◽  
Dividend Payments ◽  
Factors Influencing ◽  
Theoretical Predictions ◽  
Dividend Smoothing ◽  
The Interest Rate

The principal objective of this study was to assess the dynamic dividend behavior of firms in Korea. Specifically, this study tests the presence of dividend smoothing and identifies the firm-level factors influencing the degree of dividend smoothing. For this purpose, 299 firms listed on the Korea Stock Exchange over a 26-year period, from 1981 to 2006, were investigated.The empirical results of this study demonstrate that Korean firms made dividend payments which were quite closely related to the average interest rate over the sample period. A change in dividend payments is less likely to reflect a change in the fundamentals of Korean companies. Instead, it appears to be related significantly to movements in the interest rate. This study also finds that the majority of Korean firms pay smoothed dividends. However, the degree of dividend smoothing in Korean firms was determined to be lower than that observed in US firms. In addition, the results demonstrate that the longterm target payout ratio is significantly lower than the observed payout ratio. The results indicate that Lintners dividend smoothing model does not explain the dynamic dividend behavior in Korea.The theoretical determinants of dividend smoothing were assessed by regressing the degree of dividend smoothing of firms against the firm characteristics. The results show that riskier firms tend to pay more smoothed dividends, thus supporting the prediction previously made by Kumar (1988). However, contrary to the theoretical predictions, our results find that larger and older firms are more likely to smooth dividends in Korea. Controlling shareholders ownership, growth, and financial slack all appear to exert insignificant effects on the degree of dividend smoothing. The results suggest that the information and agency theories of dividend smoothing do not explain the dynamic dividend policy of Korean firms.

scholarly journals PENGARUH SUKU BUNGA, CITRA MEREK DAN KUALITAS LAYANAN KREDIT USAHA RAKYAT BANK RAKYAT INDONESIA TERHADAP KEPUTUSAN MEMINJAM NASABAH USAHA MIKRO DI SURABAYA

2018 ◽  
Vol 8 (1) ◽  
Author(s):  
Nafillah Noerdiana ◽  
Nadjib Ventura
Keyword(s):  
Interest Rate ◽  
Service Quality ◽  
Interest Rates ◽  
Significant Influence ◽  
Brand Image ◽  
Quality Of Services ◽  
Linear Regression Method ◽  
The Interest Rate ◽  
Business Customers

This study aims to describes (1) does the interest rate of KUR of Bank BRI has a significant effect on the decision to borrow micro business customers in Surabaya (2) does the brand image of KUR of Bank BRI have a significant effect on the decision of borrowing micro business customers in Surabaya (3) does the service quality of the KUR of Bank BRI has significant influence to the decision of borrowing micro business customers Surabaya (4) do the interest rate, brand image, and service quality have a significant effect on the decision of borrowing micro business customers in Surabaya. The population in this study are customers of Bank BRI Surabaya. The selected sample is the micro business customers in Surabaya using the KUR product from Bank BRI Surabaya, which is calculated using purposive sampling and run into 110 respondents. The type of data used in this study is the primary data type. Data collection methods used in this study is through the distribution of questionnaires. The method of analysis used in the study is by using multiple linear regression method. The results of this study explain that interest rates, brand image, and quality of  services of KUR of Bank BRI, both partially and simultaneously have a significant influence on the decision to borrow micro business customers in Surabaya. These results explain that changes in interest rates, brand image and the quality of services offered by Bank BRI through small business loans can have an impact on the decision of micro business customers residing in Surabaya for lending

scholarly journals ANALISIS PERHITUNGAN DAN PENCATATAN AKUNTANSI PAJAK PENGHASILAN ATAS BUNGA DEPOSITO DAN TABUNGAN NASABAH PADA PT. BANK SYARIAH MANDIRI CABANG MANADO

2018 ◽  
Vol 14 (1) ◽  
Author(s):  
Nurgita Tingginehe ◽  
Jullie J. Sondakh ◽  
Winston Pontoh
Keyword(s):  
Interest Rate ◽  
Service Quality ◽  
Analytical Method ◽  
Income Tax ◽  
Descriptive Analysis ◽  
Research Data ◽  
The State ◽  
The Interest Rate ◽  
Improve Service Quality

The contribution to the state and the source of our income comes from taxes. One of the final income tax objects is the interest rate on deposits and customer saving. This study aims to find out how to calculation and record of accounting deposit interest rate and savings customers at PT. Bank Syariah Mandiri Branch Manado. The analytical method used is descriptive analysis of  research data obtained from interviews and literature studies. The results of the study show the count of income tax on interest deposits customers from PT. Bank Syariah Mandiri Branch Manado has been accordance with goverment regulations No.131 of 2000 and KMK-51/KMK.04/2001. And accounting records has been accordance with accounting PSAK 101 Syariah. PT. Bank Syariah Mandiri Branch Manado must improve service quality  for improvement costumers.Keywords:Calculation, Recording, Deposit Interest, Customer Savings

Đánh giá sự hài lòng của doanh nghiệp đối với chất lượng dịch vụ hải quan điện tử tại cục hải quan TP.HCM

2020 ◽  
Author(s):  
Dao Duy Huan ◽  
Dao Duy Tung
Keyword(s):  
Regression Analysis ◽  
Mixed Methods ◽  
Service Quality ◽  
System Reliability ◽  
Satisfaction Level ◽  
Research Model ◽  
Safety Level ◽  
Factors Influencing

The purpose of this study is to identify and evaluate the factors influencing the enterprise satisfaction on service quality of E-customs at the HCMC Customs Department. The research model including seven factors such as e-customs declaration system, reliability, ability, safety level, sympathy, visible means, costs. The study used mixed methods for research. From the results of the regression analysis, we recommend raising the satisfaction level of the enterprise.

scholarly journals THE OPTIMUM FOREST ROTATION

1967 ◽  
Vol 43 (2) ◽  
pp. 178-195 ◽  
Author(s):  
P. H. Pearse
Keyword(s):  
Interest Rate ◽  
Economic Factors ◽  
Theoretical Formulation ◽  
Factors Influencing ◽  
Additional Costs ◽  
The Interest Rate ◽  
Forest Rotation

The basic factors influencing the optimum economic rotation are analysed and explained. A simple theoretical formulation of solution of the optimum rotation is described using elementary economic concepts, and its application is demonstrated. The solution is presented in a form which facilitates examination of the effects of various economic factors — the interest rate, additional costs, and silvicultural activities — on the optimum rotation.

scholarly journals Pengaruh Pembiayaan Murabahah dan Suku Bunga BI Terhadap Pendapatan Margin Murabahah Perbankan Syariah (Studi Pada BUS di Indonesia)

2021 ◽  
Vol 24 (2) ◽  
pp. 118-131
Author(s):  
Sindy Silvya Rosa ◽  
Mia Kusumawaty
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Interest Rate ◽  
Interest Rates ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banking ◽  
Analysis Techniques ◽  
The Interest Rate

The research objective was to determine the effect of murabaha financing and interest rate BI to Revenue Margin On Islamic Banking simultaneously and partially. This type of research is associative research. The data digunakanadalah secondary data, where the data is murabaha financing resources and Bank Indonesia interest rate and margin murabaha year 2011-2015 at six banks listed in Indonesia. Data collection techniques in this study is documentation. Data analysis techniques used in this research is qualitative analysis techniques. The analytical method used in this research is multiple linear regression analysis. The results of this study showed that simultaneous Murabahah Financing and Interest Rates Bank Indonesia influence Revenue Margin Murabaha Islamic Banking in Indonesia. Partially Financing Murabahahm significant effect on Income Margin Murabaha Islamic Banking in Indonesia, while the interest rate of Bank Indonesia partially no significant effect on Income Margin Murabaha Islamic Banking in Indonesia

scholarly journals Analysis of Marketing Mix Implementation at Pt. Pegadaian of Malalayang Branch of City of Manado

2019 ◽  
Vol 3 (2) ◽  
Author(s):  
Radlyah Hasan Jan
Keyword(s):  
Regression Analysis ◽  
Interest Rate ◽  
Customer Satisfaction ◽  
Interest Rates ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Marketing Mix ◽  
Percent Increase ◽  
The Interest Rate ◽  
Number Of Customers

AbstractThis study aims to: (1) find out the marketing mix of gold pawn on credit realization partially, (2) find out the marketing mix of gold pawn on credit realization simultaneously, (3) find out the marketing mix of gold pawn effect on the number of customers partially and (4) find out the marketing mix of gold pawn effect on the number of customers simultaneously.The results of the multiple regression analysis show that the promotion mix variable (X1) is -0.033. It means that for every percent of enhancement in the promotion mix, it will reduce the excellence of Pegadaian by 0.033 percent. However, it does not have a significant effect, which means that the size of the promotion costs does not affect the excellence of Pegadaian. Customer satisfaction (X2) is 0.397; it shows that an increase every percent in customer satisfaction will increase the excellence of Pegadaian by 0.397 percent and significant at α of 0.05. Then the interest rate is 0.459. It shows that any percent increase in interest rate will increase the excellence of Pegadaian by 0.459 percent and significant at α of 0.0.By holding the F test, the promotion mix (X1), customer satisfaction (X2) and credit interest rates (X3) simultaneously on the excellence of Pegadaian (Y) is 0,000 < 0,05 and the calculated F value is 18,634 > F table 4,10, so that it can be concluded that the hypothesis is accepted which means there are influences of X1, X2, and X3 simultaneously on Y. The value of R Square is 0.783; it means that the influence of variables X1, X2, and X3 simultaneously on the Y variable is 78.3%. Adjusted R square is 0.620. It shows that, in this study, 62 % can be explained by the studied variables, and the rest explained by other variables outside of this study.Keywords: Analysis, Implementation, Marketing Mix

scholarly journals Service Quality, Interest Rate, and Deposit On Call On Profitability (Study in Bank Mandiri Branch Office in PT. X)

TRIKONOMIKA ◽  
2016 ◽  
Vol 15 (1) ◽  
pp. 48
Author(s):  
Renny Sunarny ◽  
Ellen Rusliati
Keyword(s):  
Interest Rate ◽  
Service Quality ◽  
Financial Management ◽  
Quantitative Research ◽  
Research Data ◽  
Analysis Method ◽  
Cross Sectional ◽  
Bank Profitability ◽  
The Interest Rate ◽  
Branch Office

The aim of this research is to measure the influence of service quality and interest rate on deposit on call, and the influence of service quality, interest rate, and deposit on call on profitability. Hopefully, the result could give contributions for the development of management study, especially financial management. It also could hopefully provide valuable information about the importance of service quality, interest rate, and deposit on call in order to increase bank profitability. The location of this research was in Bank Mandiri, Bandung Branch Office in PT. X. The methodology used was quantitative research using descriptive and verificative analysis. Research data horizon was cross sectional using path analysis method. The results showed that there were significant influence between the interest rate on deposit on call, and service quality, interest rate, and deposit on call to profitability. It was found also that the influence of straight interest rate on profitability was weaker than interest rate on profitability via deposit on call. 

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