Evaluating the Banking Sector Recapitalization for Economic Growth in Nigeria

2014 ◽  
pp. 349-357
Author(s):  
Peter I. Ater ◽  
Benjamin C. Asogwa
Keyword(s):  
Economic Growth ◽  
Central Bank ◽  
Growth And Development ◽  
Banking Sector ◽  
Secondary Data ◽  
T Test ◽  
Bank Credit ◽  
Significance Level ◽  
Significant Difference ◽  
Saving Deposit

The purpose of this chapter is to assess the contribution of the banking sector’s recapitalization to economic growth. Secondary data of all banks in Nigeria for 1980-2006 from Central Bank of Nigeria were used for the study. The findings of the study revealed higher mean GDP (N86.229 trillion) at post-recapitalization era compared to pre-recapitalization era (N56.860 trillion). Furthermore, 37% and 25% growth in GDP were recorded at post- and pre-recapitalization era, respectively. Selected indicators (bank credit, asset, saving deposit, and total loan) were all higher in the post recapitalization era. The result of t-test showed that there was a significant difference in GDP at pre and post recapitalization era at 5% significance level holding inflation constant. Bank asset had significant effect on GDP in the post-recapitalization era. Bank performance indicators could not fully account for growth and development in Nigeria’s economy though growth was recorded. Under subsequent initiatives, bank asset and total loan increased massively, while bank credit and saving deposits were stepped up via credit and savings incentives provisions for greater impact on growth in Nigeria.

scholarly journals Perbandingan Kinerja Bank Pembiayaan Rakyat Syariah dan Bank Perkreditan Rakyat di Indonesia

2021 ◽  
Vol 1 (2) ◽  
pp. 135
Author(s):  
Aniesatun Nurul Aliefah ◽  
Lilis Renfiana
Keyword(s):  
Central Bank ◽  
Sampling Method ◽  
Secondary Data ◽  
Risk Profile ◽  
Financial Reports ◽  
Great Opportunity ◽  
Significance Level ◽  
Rural Credit ◽  
Analysis Technique ◽  
Significant Difference

The purpose of this study is to compare the performance of The Conventional Rural Bank (BPR) and Islamic Rural Bank (BPRS) in Indonesia using the REC method which consists of a risk profile, earnings, and capital during the 2015-2017 period. The risk profile factor is represented by the NPF indicator, income is represented by ROA and capital is represented by CAR. By using the purposive sampling method, as many as 43 Islamic Rural Bank (BPRS) and 63 Conventional Rural Bank (BPR) were obtained from secondary data sourced from annual financial reports published on the bank's official website. The analysis technique was then carried out using the Mann-Whitney-U test to compare the performance of the two banks. The results of this study indicate that there is a significant difference in NPF between the two banks at a significance level of 0.006; There is no significant difference in ROA and CAR between Islamic general financing banks and rural credit banks in Indonesia at the ROA significance level of 0.070 and CAR 0.239, respectively. The implication of this research implies that the performance of Islamic BPRs still has a great opportunity to develop in the future and is a big challenge, especially for the management of Indonesian Islamic BPRs and the central bank (Bank Indonesia) as a bank. regulators.

Effect of a-Week Summer Camp on the Hopelessness and Self-Esteem of the University Students Attending Sport Sciences Faculty

2018 ◽  
Vol 7 (4) ◽  
pp. 42-49 ◽  
Author(s):  
Korkmaz YİĞİTER ◽  
Hakan TOSUN
Keyword(s):  
University Students ◽  
Summer Camp ◽  
Pearson Correlation ◽  
Self Esteem ◽  
Female Students ◽  
T Test ◽  
Significance Level ◽  
Significant Difference ◽  
Post Test ◽  
The University

The aim of this study is to investigate the effects of participation in a 1-week summer camp on thehopelessness and self-esteem of the university students attending Sport Sciences Faculty. Participants were 36university students assigned to experiment group using a random procedure. Coopersmith Self-esteem and Beck Hopelessness Scales were completed at the beginning and end of the summer camp by designed the university. The obtained data were analysed in the SPSS 18.0 program and the significance level was taken as 0.05. The descriptive statistics, independent simple t test, paired simple t test and Pearson correlation were used for analyse the data in the study. According to the results of the research, no significant difference was observed in the comparison of the hopelessness and self-esteem levels between pre and post-test. In addition, there was a significant difference in the hopelessness level of male and female students but any significant difference was not observed in terms of self-esteem. There was a significant relationship between hopelessness and self-esteem pre and post-test. These result shows that a 1-week summer camp cannot change the hopelessness or self-esteem level. However, as the self-esteem rises, the rate of despair decreases whereas as the despair rises, the selfesteem decreases.

scholarly journals WORLD EXPERIENCE: COMMERCIAL BANK CREDIT AND ECONOMIC GROWTH RELATIONSHIP

2020 ◽  
pp. 6-19
Author(s):  
Davit Aslanishvili
Keyword(s):  
Economic Growth ◽  
Large Scale ◽  
Banking Sector ◽  
Point Of View ◽  
Bank Credit ◽  
Main Function ◽  
Economic Point ◽  
Market Factors ◽  
Credit Portfolio ◽  
The Impact

This research focuses on the problem of large scale disproportion of success in the development of the banking sector and mostly unsuccessful development of the real sector of the economy. It should be noted that this disproportion is a subject of consideration in contemporary economic literature and our research is an attempt to broaden the issue and share ideas inside the international scientific circles. The main problem in the research is the impact of the banking sector's credit portfolio and the functioning of credit markets on the economic growth of the country. In this regard, it is very important to identify, study the macroeconomic stabilization and accelerated economic growth of the country and analyse the impact mechanisms of the credit market factors on economic growth. The conclusion that combines many of the research and opinions given in the survey can be as follows: From the economic point of view, the main function of banks is to increase the financing/lending of funds as the core point to increase investments in the economy. Thus, the development of the country in economic terms depends on the increase of investments. At present, it is in the hands of the banking sector whether to lead us to economic immobility or to accelerate the country's economic development through efficient allocation of resources.

scholarly journals The Announcement of Sharia Bank’s Conditional Merger Agreement. How Investor Reacted?

2021 ◽  
Vol 2 (2) ◽  
pp. 136-146
Author(s):  
Syamsuddin Syamsuddin ◽  
Versiandika Yudha Pratama
Keyword(s):  
Event Study ◽  
Stock Price ◽  
Abnormal Return ◽  
Secondary Data ◽  
T Test ◽  
Event Window ◽  
Paired Sample ◽  
Average Abnormal Return ◽  
Significant Difference ◽  
Before And After

This study aims to determine there is a difference in average abnormal return of BRI Syariah before and after the signing of the Conditional Merger Agreement (CMA), which is on October 12th, 2020. This research used event study for method and the data in this study are secondary data in the form of stock price data of BRI Syariah. The event window in this study for 11 (eleven) working days which is 5 (five) days before the event, 1 (one) day when the event occurs and 5 (five) days after the signing of the Conditional Merger Agreement (CMA) BUMN sharia bank. Meanwhile, the estimated period is set for 120 exchange days, namely at t-125 to t-6. Test conducted by paired sample t-test. The results of the paired sample t-test showed that there is no significant difference between the average abnormal return of BRI Syariah shares before and after the signing of the Conditional Merger Agreement. It can be concluded that neither the market nor investors reacted to the signing of the Conditional Merger Agreement (CMA) that occurred at BRI Syariah Bank.

scholarly journals Analisis Perbandingan Kinerja Keuangan Dan Ekonomi Sosial Bank Syariah Antara Sebelum Dan Sesudah Ditetapkannya Fatwa MUI Tentang Haramnya Bunga Bank

2017 ◽  
Vol 3 (12) ◽  
pp. 973
Author(s):  
Lia Auliah Rachmah ◽  
Nisful Laila
Keyword(s):  
Social Performance ◽  
Secondary Data ◽  
T Test ◽  
Quantitative Approach ◽  
Islamic Banks ◽  
Financial Reports ◽  
Significant Difference ◽  
Before And After

This study aims to find out the comparison between the performance of Islamic Banks including financial performances such as the ratio of ROA, ROE, FDR and CAR as wells economic and social performance such as MMR ratio before and after the determination of fatwa regarding the prohibition against bank interest. Quantitative approach and independent sample t-test has been used in this study. The data is a secondary data which was obtained by collecting the annual financial reports. The result of the independent sample t-test shows that there are significant differences between the performance of the Islamic banks before and after the fatwa on the ratio of ROE, FDR and MMR. Whereas on the ratio of ROA and CAR have no significant difference before and after the fatwa.

scholarly journals ANALISIS KOMPARASI PENERAPAN INTERNET FINANCIAL REPORTING OLEH ORGANISASI PENGELOLA ZAKAT (OPZ) DI INDONESIA

2020 ◽  
Vol 7 (8) ◽  
pp. 1439
Author(s):  
Basyasyatul Hanafiyah ◽  
Noven Suprayogi
Keyword(s):  
Data Collection ◽  
Financial Reporting ◽  
Sample Selection ◽  
Secondary Data ◽  
Sampling Technique ◽  
T Test ◽  
Quantitative Approach ◽  
Purposive Sampling ◽  
Significant Difference

The purpose of this study was to determine the differences of Internet Financial Reporting (IFR) index between Lembaga Amil Zakat Nasional (LAZNAS)  and Badan Amil Zakat Nasional Provinsi (BAZNASPROV) in Indonesia. This research uses a quantitative approach with an independent sample t-test. The population in this study is the official website of LAZNAS and BAZNASPROV in Indonesia. Sample selection using purposive sampling technique with two criteria. The website have to be can accessed properly, furthermore LAZNAS and BAZNASPROV have been inaugurated for more than 2 years. The data used is secondary data. Data collection was obtained from the official websites of LAZNAS and BAZNASPROV in Indonesia. The results of this study indicate that there is no significant difference in the IFR index between LAZNAS and BAZNASPROV. Based on the four IFR components used, one and only component showed significant difference is technology used. However, the results obtained that between LAZNAS and BAZNASPROV still do not provide maximum on internet financial reporting yet.Keywords: Internet Financial Reporting, LAZNAS, BAZNASPROV

scholarly journals The Effect of Branchless Banking Strategy on the Financial Performance of Commercial Banks in Kenya

2017 ◽  
Vol 8 (4) ◽  
pp. 167 ◽  
Author(s):  
Gift Kimonge Dzombo ◽  
James M. Kilika ◽  
James Maingi
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Exploratory Research ◽  
Electronic Banking ◽  
Economic Activities ◽  
Significance Level ◽  
Negative Effect ◽  
The Individual

The Banking sector acts as the life blood of modern trade and economic development. Commercial banks influence, facilitate and integrate the economic activities like resources mobilization, poverty elimination, production, and distribution of public finance. The financial performance of commercial banks has great implications in the financial sector and in the country at large, and will still remain an important subject of concern by all the stakeholders in the banking industry. In the last two decades, a lot of banking innovation has taken place in order to improve commercial banks financial performance. Branchless banking which involves the use of agency banking and electronic banking channels in the distribution of banking products and services is one such innovation. This study purpose was to evaluate the effect of branchless banking on the financial performance of commercial banks in Kenya. The specific objectives of the study were to analyze the individual effects of agency banking and electronic banking channels on the financial performance of commercial banks in Kenya and the combined effect of both agency and electronic banking on the financial performance of commercial banks in Kenya. The study adopted an exploratory research design. A survey of all the 42 licensed commercial banks in Kenya was done. Both primary and secondary data on branchless banking and financial performance of banks was obtained from the individual commercial banks, Central Bank of Kenya banking annual supervision reports respectively. Return on Assets (ROA) was used as the main indicator of commercial banks financial performance. The amount of investment in agency and electronic banking was used as indicator for agency and electronic banking. Data analysis was done using SPSS and STATA statistical softwares. Descriptive statistics, diagnostic tests and tests of hypothesis were done. Data was presented using tables and charts. Study findings indicated that when used in isolation; both agency and electronic banking had a significant negative effect on the financial performance of commercial banks at 5 percent significance level. However, when agency and electronic banking channels were used together as a multichannel strategy, they had a significant positive effect on bank’s financial performance at 5 percent significance level. The study recommends that for positive returns, commercial banks should invest in both agency and electronic banking as a multichannel strategy since these channels are complimentary to each other.

scholarly journals Avaliação postural de sujeitos com amputação de membro inferior

2019 ◽  
Vol 29 (1) ◽  
pp. 33103
Author(s):  
Viviane Leite ◽  
Lisiane Piazza Luza ◽  
Sara Maria Soffiatti Dias ◽  
Thamara Caviquioni ◽  
Ediane Roberge Fernandes Zampirolo ◽  
...  
Keyword(s):  
Lower Limb ◽  
T Test ◽  
Limb Amputation ◽  
Postural Asymmetry ◽  
Significance Level ◽  
Below The Knee ◽  
Significant Difference ◽  
Ankle Angle ◽  
The Right ◽  
Left Scapula

AIMS: To evaluate the posture of subjects with lower limb amputee.METHODS: Ten subjects participated in the study, males, with 38,2 ± 8,2 years, with unilateral lower limb amputation and prosthesis users. For the postural evaluation, the Postural Evaluation Software (SAPO) was used, and the images were evaluated according to the software protocol. Data were analyzed through descriptive and inferential statistics (independent t test), with a significance level of p ≤ 0,05.RESULTS: The main alterations observed were: rearfoot valgus enlargement, flexed ankle, head tilted to the right and trunk in flexion. When compared the posture according to time of amputation, was observed a statistically significant difference in the horizontal asymmetry of scapula in relation to T3 (p = 0,004), being that subjects with amputation time of up to six years presented the left scapula higher than the right one (-5,28 ± 8,16°) and those with more than six years of amputation had the right upper right scapula (19,42 ± 11°). In the comparison between amputation levels, there was a statistically significant difference in the ankle angle (p = 0,008), with subjects with amputation below the knee presenting greater ankle flexion (81,97 ± 1,72°) than those with amputation at the level of the knee and above this (87,30 ± 2,65°).CONCLUSIONS: The findings of the present study demonstrate that all the evaluated subjects presented some postural alteration, however, it cannot be affirmed that the postural asymmetry of these is due to the amputation.

scholarly journals Investigating Finance-Growth Nexus: Further Evidence from Nigeria

2018 ◽  
Vol 10 (9) ◽  
pp. 121 ◽  
Author(s):  
Adeola Yahya Oyebowale ◽  
Noah Kofi Karley
Keyword(s):  
Economic Growth ◽  
Exchange Rate ◽  
Private Sector ◽  
Central Bank ◽  
Government Expenditure ◽  
Secondary Data ◽  
Financial Sector ◽  
Capital Formation ◽  
Causality Test ◽  
Financial Sector Development

This study investigates the influence of financial sector development on economic growth in Nigeria during the period 1982 to 2015. As such, the study obtained annual secondary data from the Central Bank of Nigeria statistical bulletins and World Bank financial database. The empirical model for this study examines growth in savings, growth in exchange rate, growth in government expenditure, growth in stock market capitalization, growth in credit to private sector, growth in gross capital formation, growth in trade openness and growth in broad money on economic growth in Nigeria. The multiple regression output reveals that growth in government expenditure and growth in gross capital formation are statistically significant on economic growth in Nigeria at 1% and 10% respectively under the period under investigation while other regressors in the model prove to be statistically insignificant. VAR test shows that there is considerable short-run causality running from lags of regressors to economic growth in Nigeria except for lag 1 of growth in exchange rate and lag 2 of growth in credit to private sector. The granger causality test reveals the existence of bi-directional causality between financial sector development and economic growth in Nigeria during the period under investigation. Hence, this study supports the ‘feedback hypothesis’ view on finance-growth. Based on these empirical results, this study recommends effective channeling of funds to the private sector and autonomy of the Central Bank of Nigeria in the use of monetary policy tools.

scholarly journals Foreign Aid and Economics Development Nexus: The Case of Sierra Leone

2021 ◽  
Vol 9 (6) ◽  
pp. 219-233
Author(s):  
Ezekiel Kalvin Duramany-Lakkoh
Keyword(s):  
Economic Growth ◽  
Foreign Aid ◽  
Sierra Leone ◽  
Growth And Development ◽  
Secondary Data ◽  
Empirical Estimation ◽  
Economic Growth And Development ◽  
Long Run ◽  
Short Run ◽  
The Impact

This study investigates the impact of foreign aid on economic growth in Sierra Leone using cointegration and error correction methodology by Johansen and Juselius (1990). Utilizing secondary data for the period 1970 to 2018, the empirical estimation revealed that foreign aid in Sierra Lone is positively and significantly related to economic growth both in the short run and long run, confirming the importance of the study. The policy implication of the study is that the Sierra Leone government should seek more foreign aid to accelerate economic growth and development.  

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