scholarly journals Relationship Between Commercial Bank Availability and Income Inequality

2021 ◽  
Vol 12 (3) ◽  
pp. 156-162
Author(s):  
Aman Takiyar ◽  
Varun Chotia
Keyword(s):  
Income Inequality ◽  
Commercial Bank ◽  
Financial Institutions ◽  
Positive Relationship ◽  
Estimation Methods ◽  
Financial Network ◽  
Bank Branches ◽  
Panel Data Estimation ◽  
The Relationship ◽  
Data Estimation

The objective of this study is to examine the relationship between commercial bank branches availability and income inequality. Further, the study also assesses the interaction effect of corruption and commercial bank availability on income inequality. The present study uses panel data estimation methods for analysing the above relationship for SAARC countries (Afghanistan, Bangladesh, Bhutan, India, Nepal, Pakistan, and Sri Lanka). The analysis suggests that a positive relationship exists between income inequality and financial availability in the initial stages. However, as the financial institutions reach a level of maturity and more people are integrated in the financial network, the level of income inequality starts reducing. Moreover, increase in financial availability helps in reducing income inequality when it is supported by less corrupt institutions. Policymakers should focus on reducing the level of corruption so as to enhance the effectiveness of the penetration of commercial bank branches.

scholarly journals RELATIONSHIP BETWEEN COMMERCIAL BANK AVAILABILITY AND INCOME INEQUALITY - EVIDENCE FROM SAARC COUNTRIES

2021 ◽  
Vol 12 (3) ◽  
pp. 0-0
Keyword(s):  
Income Inequality ◽  
Commercial Bank ◽  
Financial Institutions ◽  
Positive Relationship ◽  
Estimation Methods ◽  
Financial Network ◽  
Bank Branches ◽  
Panel Data Estimation ◽  
The Relationship ◽  
Data Estimation

The objective of this study is to examine the relationship between commercial bank branches availability and income inequality. Further the study also assesses the interaction effect of corruption and commercial bank availability on income inequality. The present study uses panel data estimation methods for analysing the above relationship for SAARC countries (Afghanistan, Bangladesh, Bhutan, India, Nepal, Pakistan and Sri Lanka). The analysis suggests that a positive relationship exists between income inequality and financial availability in the initial stages. However, as the financial institutions reach a level of maturity and more people are integrated in the financial network, the level of income inequality starts reducing. Moreover, increase in financial availability helps in reducing income inequality when it is supported by less corrupt institutions. Policymakers should focus on reducing the level of corruption so as to enhance the effectiveness of the penetration of commercial bank branches.

scholarly journals Relationship Between Commercial Bank Availability and Income Inequality

2021 ◽  
Vol 12 (3) ◽  
pp. 0-0
Keyword(s):  
Income Inequality ◽  
Commercial Bank ◽  
Financial Institutions ◽  
Positive Relationship ◽  
Estimation Methods ◽  
Financial Network ◽  
Bank Branches ◽  
Panel Data Estimation ◽  
The Relationship ◽  
Data Estimation

The objective of this study is to examine the relationship between commercial bank branches availability and income inequality. Further the study also assesses the interaction effect of corruption and commercial bank availability on income inequality. The present study uses panel data estimation methods for analysing the above relationship for SAARC countries (Afghanistan, Bangladesh, Bhutan, India, Nepal, Pakistan and Sri Lanka). The analysis suggests that a positive relationship exists between income inequality and financial availability in the initial stages. However, as the financial institutions reach a level of maturity and more people are integrated in the financial network, the level of income inequality starts reducing. Moreover, increase in financial availability helps in reducing income inequality when it is supported by less corrupt institutions. Policymakers should focus on reducing the level of corruption so as to enhance the effectiveness of the penetration of commercial bank branches.

scholarly journals Credit Management Practices, Loan Repayment Management and Profitability Of Commercial Banks’ Branches In Uganda.

2021 ◽  
Author(s):  
◽  
Anthony Elemu
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Positive Relationship ◽  
Management Practices ◽  
Mediating Effect ◽  
Loan Repayment ◽  
Credit Management ◽  
Bank Branches ◽  
The Impact ◽  
The Relationship

Background: The study examined the relationship between credit management practices, loan repayment management and profitability of commercial banks branches in Uganda. The objectives included; to establish the relationship between credit management practices and profitability; relationship between loan repayment management and profitability; mediating effect of loan repayment management on credit management practices and profitability; and examine the impact of credit management practices and loan repayment management on profitability. Methodology: The study was a cross- sectional research and applied a quantitative approach. A sample of 234 commercial bank branches was used from a total of 573. The study obtained responses from 166 branches. Primary data was obtained from a branch manager and credit supervisor using a structured questionnaire. Validity of the questionnaire was obtained using CVI and reliability using Cronbach Alpha Coefficient. Data was analyzed using SPSS v.20 to obtain descriptive statistics, correlation and regression analyzes to present results. A Med-graph was used to test the mediation of loan repayment management. Results: This study ascertained a positive relationship between credit management practices and profitability; and positive relationship between loan repayment management and profitability. The study further ascertained a partial mediation of loan repayment management in the relationship between credit management practices and profitability. Furthermore, the study revealed that jointly credit management practices and loan repayment management predict profitability of commercial bank branches. More so, the study established that the best predictor of profitability is loan repayment management. This study ascertained a positive relationship between credit management practices and profitability; and positive relationship between loan repayment management and profitability. Conclusion: The study concludes that credit management practices and loan repayment management are among the critical factors influencing profitability at the commercial bank branch level.

scholarly journals Consumer Financial Knowledge and the Use of Mobile Banking: Evidence from the 2018 U. S. National Financial Capability Study

2021 ◽  
pp. 1-17
Author(s):  
Fuzhong Chen ◽  
Jian Xiang
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Ordered Probit ◽  
Financial Knowledge ◽  
Estimation Methods ◽  
Mobile Banking ◽  
Probit Regression ◽  
Financial Capability ◽  
The Relationship ◽  
Robustness Check

As a widely used technology in recent years, the use of mobile banking has been addressed by a great deal of extant research, and a large and growing body of literature has investigated its determinants as well. Utilizing data from the 2018 U.S. National Financial Capability Study, this study aims at examining the association between financial knowledge and mobile banking by using the approach of ordered probit regression. Besides, this study conducts a comprehensive robustness check by replacing estimation methods and removing outliers by income. The results indicate that the relationship between financial knowledge and mobile banking is negative. Besides, financial knowledge negatively contributes to the adoption of mobile payment as well as mobile transfer. Also, consumers with more financial knowledge are more likely to use traditional financial ways. Thus, financial institutions are encouraged to focus on the reduction of risks perceived by consumers to promote the penetration of financial services via mobile devices.

scholarly journals Does economic growth positively affect income inequality in China?

2015 ◽  
Vol 8 (1) ◽  
Author(s):  
Xun Ding ◽  
Tian Dong ◽  
Yanjie Xu ◽  
Zhi Zheng
Keyword(s):  
Economic Growth ◽  
Income Inequality ◽  
World Bank ◽  
Gini Index ◽  
Positive Relationship ◽  
Alternative Hypothesis ◽  
Gdp Per Capita ◽  
Urban Rural ◽  
Per Capita ◽  
The Relationship

This report focuses on the relationship between the economic growth and income inequality in China. The hypothesis is that economic growth led to an increase in income inequality in China. The alternative hypothesis is that economic growth led to a decrease in income inequality in China. After analysing GDP per capita and the GINI index from World Bank, the results show a positive relationship between economic growth and income inequality. Additionally, this report also would measure the influence of monopoly power and the disposable income of urban/rural households to further support the hypothesis.

scholarly journals Impact of Infrastructure and Agroclimate on the Location of Rural Bank Branches in Pakistan: A Preliminary Assessment

1996 ◽  
Vol 35 (4II) ◽  
pp. 899-909
Author(s):  
Kalbe Abbas ◽  
Musleh-Ud Din ◽  
Ejaz Ghani ◽  
Sarfraz Khan Qureshi
Keyword(s):  
Spatial Distribution ◽  
Commercial Bank ◽  
Financial Institutions ◽  
Rural Areas ◽  
Regional Differences ◽  
Agricultural Sector ◽  
Developing Economies ◽  
Geographic Location ◽  
Preliminary Assessment ◽  
Bank Branches

Rural financial institutions play an important role in development and growth of the agricultural sector. In developing economies some rural areas are adequately served by financial institutions, while others have little or no access to these institutions. This uneven pattern of geographic location of rural bank branches has been attributed largely to regional differences in agroclimatic conditions and infrastructural endowments. We have estimated several alternative specifications which can be helpful in understanding the spatial distribution of commercial bank branches across the rural areas. Our results indicate that the location of rural bank branches is significantly influenced by infrastructural endowments and agroclimatic environment.

scholarly journals National Business Regulations and City Entrepreneurship in Europe: A Multilevel Nested Analysis

2018 ◽  
Vol 43 (6) ◽  
pp. 1148-1165 ◽  
Author(s):  
David B. Audretsch ◽  
Maksim Belitski ◽  
Sameeksha Desai
Keyword(s):  
Choice Theory ◽  
Negative Relationship ◽  
Entrepreneurial Activity ◽  
Panel Data Estimation ◽  
Business Regulations ◽  
Public Interest Theory ◽  
Nested Analysis ◽  
The Relationship ◽  
Data Estimation ◽  
National Business

This article provides and tests a theoretical framework with a multilevel (country–city) nested model to analyze the relationship between national business regulations (NBRs) and city level entrepreneurship. While public interest theory predicts a positive relationship between NBR and city level entrepreneurship, public choice theory predicts the opposite, a negative relationship. Based on multilevel analysis for a matched country–city panel of 228 cities across 20 European countries for the years 2004 to 2009, the empirical evidence from panel data estimation explains how changes in NBRs influence changes in city level entrepreneurial activity over time.

scholarly journals Information and Communication Technology (ICT) and Economic Growth in ASEAN-5 Countries

2020 ◽  
Vol 10 (2) ◽  
pp. 20
Author(s):  
Amy Huong Yong Jing ◽  
Rossazana Ab-Rahim
Keyword(s):  
Economic Growth ◽  
Digital Economy ◽  
Dynamic Panel Data ◽  
Telephone Line ◽  
Panel Data Estimation ◽  
Mobile Cellular ◽  
Information And Communication ◽  
Ict Infrastructure ◽  
The Relationship ◽  
Data Estimation

Digital economy generally refers to a digital technology-based economy. The embrace of digital economy is transforming a nation's economic growth. Countries blessed with successful digitisation will improve their economic performance; hence, it could increase country's GDP growth. In this respect, ASEAN-5 countries becoming a major economic force driver in Asia as well as to the global growth. The goal of this research is therefore to investigate the relationship between ICT and economic growth in the ASEAN-5 countries over the 2003 to 2018 study period. Using static and dynamic panel data estimation, results shows that fixed telephone line subscription has the greatest impact on ICT on economic growth. The findings suggest countries shall focus on the innovation of ICT especially on the mobile-cellular telephone subscription and fixed telephone line subscription to achieve economic growth. Investments in ICT infrastructure foster co-operation in ICT technology as well as advancing ICT particularly on the rise in jobs in the ICT sector, transforming government services into digital form to enhance economic growth in the country.

scholarly journals The Effectiveness of China's Foreign Trade Liberalization

2021 ◽  
Vol 0 (0) ◽  
Author(s):  
Andrzej Cieślik ◽  
Tenzin Tseyang
Keyword(s):  
Costa Rica ◽  
Foreign Trade ◽  
Trade Liberalization ◽  
Bilateral Trade ◽  
Trade Agreements ◽  
Estimation Methods ◽  
Panel Data Estimation ◽  
Ex Post ◽  
Bilateral Exports ◽  
Data Estimation

Abstract This paper studies the ex-post trade effects of China's multilateral, regional and bilateral trade liberalization using augmented gravity and panel data estimation methods for the period 1995–2016. China's accession to the WTO was revealed to have had a significant impact on the volume of trade as well as on bilateral exports and imports. Regional trade agreements and the majority of bilateral trade agreements were found not to be effective in increasing China's foreign trade. Only the agreements with Chile, Costa Rica and Switzerland were effective in increasing China's trade volume. Moreover, the results for Chile were driven by increases in both exports and imports, while for Costa Rica and Switzerland only by increased imports from these countries.

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