scholarly journals Morocco's Participative Banking Sector: A Cross-Analysis of Current State, Opportunities and Challenges of Its Five Banks and Three Windows

2020 ◽  
Vol 4 (2) ◽  
pp. 8-19
Author(s):  
Oumniya Amrani ◽  
Amal Najab
Keyword(s):  
Banking Sector ◽  
Swot Analysis ◽  
Jel Classification ◽  
Benchmark Study ◽  
Current State ◽  
Start Up ◽  
Net Profit ◽  
Enormous Amount ◽  
Asset Growth

Launched two and a half years ago, the model of Islamic banking adopted by Morocco consists of five banks and three windows. This paper aims to present an exploratory case study of the performance of the eight actors of Morocco participative banking. The study reveals an increase of Murabaha funding and deposits while the total net profit remains negative (MAD -420 million) mainly due to the start-up costs absorbing an enormous amount of resources. Presented in a SWOT Analysis, the study’s results confirm that the sector is facing many difficulties and gaps that negatively affect the business especially the incomplete participative financial ecosystem. Then, the paper presents a benchmark study of Turkey’s participation in banking. Findings show that the financial ecosystem in Turkey is much more developed compared to Morocco. Consequently, this situation favored the rise of the five operational participation banks whose asset growth rate reached 99%, between 2014 and 2018, and recorded positive net profits which exceeded TL 2 billion. Nevertheless, both Morocco and Turkey participation banks are still too young and can make headway only if the regulators and the operators properly address the challenges which hamper their development. JEL Classification: G21, 057.  

scholarly journals The Role of Islamic Crowdfunding Mechanisms in Business and Business Development

2019 ◽  
Vol 4 (1) ◽  
pp. 10-23
Author(s):  
Achsania Hendratmi ◽  
Puji Sucia Sukmaningrum ◽  
Muhamad Nafik Hadi Ryandono ◽  
Tri Ratnasari
Keyword(s):  
Small And Medium Enterprises ◽  
Jel Classification ◽  
Business Development ◽  
Muslim Countries ◽  
Start Up ◽  
Population Type ◽  
Medium Enterprises ◽  
Depth Interviews

Objective - This study aims to determine the role of Islamic crowdfunding towards business development of start-up businesses financed in Singapore, Malaysia and Indonesia. Methodology/Technique - This study uses a qualitative approach with an exploratory case study strategy. The data collection was carried out by conducting in-depth interviews with CEOs and COOs of Kapital Boost and CEO Investee (funded SMEs) informants. Findings - The results show that there is an increase in assets, sales turnover, and the capacity of Micro, Small and Medium Enterprises (MSMEs) and Startup businesses that received funding through campaigns on the Kapital Boost platform. In addition, pioneering business people can get easier access to financing compared to financing through bank-provided credit. Novelty - The findings of this paper can be used to develop crowdfunding platform will be implemented in Muslim countries or countries with a majority Muslim population. Type of Paper: Empirical. Keywords: Crowdfunding Platforms; Islamic Crowdfunding; Business Development; MSMEs; Start-up Companies. JEL Classification: E44, M21, M29. DOI: https://doi.org/10.35609/jber.2019.4.1(2)

Comparative Profitability Analysis of Islamic Banks and Conventional Banking in Oman-A Case study of Bank Nizwa and Bank Dhofar

2019 ◽  
Vol 118 (11) ◽  
pp. 244-254
Author(s):  
Mohammad Noor Alam ◽  
Md Shabbir Alam ◽  
Naushad Alam
Keyword(s):  
Financial Performance ◽  
Interest Rates ◽  
Banking Sector ◽  
Research Study ◽  
Banking Industry ◽  
Islamic Banks ◽  
Profitability Analysis ◽  
Net Profit ◽  
Profitability Ratios

The banking industry of Oman is a highly enhancing industry with 17 licensed banks. The Central Bank of Oman is the primary regulator of the banking industry of Oman and all the essential factors like fixing interest rates, issuing bonds and more are the responsibilities of this bank. This study was conducted to determine the financial performance of two renowned banks of Oman. Bank Nizwa and Bank Dhofar are the key banks in Oman. The present study is important because it will focus strictly on the banking sector of Oman. In order to conduct the present research study, the performance of four profitability ratios namely net profit margin, ROA, ROE and ROCE will be estimated for the last five years i.e. 2013 to 2018 for both the banks.

Topsy Turvy in Changing Scenarios: A Case on Chikankari Textile

2016 ◽  
Vol 5 (1) ◽  
pp. 99-107
Author(s):  
Neha Wason ◽  
Sidhartha Wason
Keyword(s):  
Textile Industry ◽  
Uttar Pradesh ◽  
Sustainable Business ◽  
Current State ◽  
Start Up ◽  
Set Up ◽  
Feasible Solutions ◽  
State Of Affairs ◽  
New Generation

The case presents a typical problem that a new-generation entrepreneur faces if he wants to enter a traditional Indian industry working on the lines of business framework that has remained unchanged till now. The main topic in study is to understand the challenges faced by the traditional textile industry of India. The study concerns chikankari textile, a subsection of the vast traditional textile industry of India. The chikankari has been awarded a geographical indicator status and belongs to the Lucknow district located in the state of Uttar Pradesh, the most populous state of India. The data have been collected through a series of surveys and in-depth interviews of major players in the industry. As the information was largely qualitative in nature, hence case study method was considered to be the most suited for its analysis and description of the results. The collected information was transcripted and themes identified aligned with the challenges before the respective textile form. The case highlights such challenges to find feasible solutions to set up a sustainable business venture. The case is developed from the perspective of a budding ambitious entrepreneur, Rahul Rastogi, interested in a start-up. The case describes the dynamics of the industry and closes with Rahul thinking about plans to enter and establish a start-up in the current state of affairs.

scholarly journals Digital Payment Service in India - A Case Study of Unified Payment Interface

2021 ◽  
pp. 256-265
Author(s):  
Mahesh A. ◽  
Ganesh Bhat
Keyword(s):  
Design Methodology ◽  
Banking Sector ◽  
Swot Analysis ◽  
Secondary Data ◽  
Cost Effective ◽  
Future Research ◽  
Growth Prospects ◽  
Secondary Data Sources ◽  
Digital Payments

Purpose: The Indian Banking sector is striving hard to popularise digital payments and has gained momentum after demonetization and digital India initiatives. To facilitate digital payments, “National Payment Corporation of India (NPCI)” launched the “Unified Payment Interface (UPI)”, which is an amazing, revamped, and cost-effective breakthrough for enabling digital payment services for all. Proliferation of smartphones, technological innovations, and effective internet communications has signified the usage of mobile payment facility for smartphone users, financial institutions and particularly the banks. To achieve paperless and cashless economy, Unified Payment Interface (UPI) is a potentially innovative way of transferring funds using a virtual payment address established by the National Payment Corporation of India (NPCI). Hence, it is needed to be assessed for its potential to contribute towards achievement of digital economy. Design/Methodology/Approach: This paper is focused on understanding Unified Payment System’s (UPI) growth and its progression in retail digital payment over the years. The study was carried out by exploring secondary data sources and by applying Strengths, Weaknesses, Opportunities, and Threats (SWOT) analysis format. Finding/Result: UPI has shown remarkable growth in last couple of years due to customer’s shift towards contactless payments over other methods. Study revealed that the growth of digital payments has increased significantly, especially in the retail payment sector on the UPI platform. Originality value: This study examines UPI's position in the digital payment ecosystem, with an emphasis on identifying UPI's core strengths and growth prospects, as well as areas for future research to investigate India's complete e-payment ecosystem. Paper type: A research case study on Digital Payment Service in India - A Case Study of Unified Payment Interface

scholarly journals Improving RE-SWOT Analysis with Sentiment Classification: A Case Study of Travel Agencies

2021 ◽  
Vol 13 (9) ◽  
pp. 226
Author(s):  
Shu-Fen Tu ◽  
Ching-Sheng Hsu ◽  
Yu-Tzu Lu
Keyword(s):  
Swot Analysis ◽  
Travel Agency ◽  
User Reviews ◽  
Start Up ◽  
Online User Reviews ◽  
Swot Matrix ◽  
Online Travel ◽  
Online Travel Agency ◽  
User Ratings

Nowadays, many companies collect online user reviews to determine how users evaluate their products. Dalpiaz and Parente proposed the RE-SWOT method to automatically generate a SWOT matrix based on online user reviews. The SWOT matrix is an important basis for a company to perform competitive analysis; therefore, RE-SWOT is a very helpful tool for organizations. Dalpiaz and Parente calculated feature performance scores based on user reviews and ratings to generate the SWOT matrix. However, the authors did not propose a solution for situations when user ratings are not available. Unfortunately, it is not uncommon for forums to only have user reviews but no user ratings. In this paper, sentiment analysis is used to deal with the situation where user ratings are not available. We also use KKday, a start-up online travel agency in Taiwan as an example to demonstrate how to use the proposed method to build a SWOT matrix.

scholarly journals Fuzzy Multi Criterion Decision Making Method to Analyze Performance of Banking Sector

2021 ◽  
Vol 9 (5) ◽  
pp. 159-165
Author(s):  
Sheikh Ahmed Hossain
Keyword(s):  
Performance Evaluation ◽  
Banking Sector ◽  
Financial Institution ◽  
Fuzzy Ahp ◽  
Evaluation Process ◽  
Comprehensive Model ◽  
Suggested Approach ◽  
Priority Weights ◽  
Net Profit

Performance evaluation of any financial institution is extremely important to look after the health and prospect of the institution. In many research of performance evaluation analysis of banks, several ratio parameters are used mostly in statistical analysis. Designing effective and comprehensive model for evaluation process of financial matters in banking sector is complex due to multiple criteria and parameters, mostly uncertain in nature. This paper presents a comprehensive process considering several financial criteria of several alternatives on the basis of several expert’s (decision maker’s) opinion and subjective judgment. Intensity of importance is represented in fuzzy scale. We used fuzzy AHP-preference programming (FPP) to obtain priority weights associated with each criteria and compromise ranking method (VIKOR) considering Market Capital, Net Sales, Net Profit, Total Assets, and Other Income in ranking alternatives. A case study involving ten active Indian Public Sector Unit (PSU) banking industries is undertaken to illustrative the feasibility of the suggested approach. A sensitivity analysis is also carried out for checking the method reliability.

Cyber crimes in the banking sector: Case study of Vietnam

2020 ◽  
Vol 6 (05) ◽  
Author(s):  
LE Thanh Tam ◽  
Nguyen Minh Chau ◽  
Pham Ngoc Mai ◽  
Ngo Ha Phuong ◽  
Vu Khanh Huyen Tran
Keyword(s):  
Financial Literacy ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Legal Framework ◽  
Economic Sectors ◽  
Technological Revolution ◽  
Survey Results ◽  
Cyber Crimes

The technological revolution 4.0 brings great opportunities, but also cybercrimes to economic sectors, especially to banks. Using secondary data and survey results of 305 bank clients, the main findings of this paper are: (i) there are several types of cybercrimes in the banking sector; (ii) Vietnam is one of the top countries worldwide having hackers and being attacked by hackers, especially the banking sector. Three most common attacks are skimming, hacking and phishing. Number of cybercrime attacks in Vietnam are increasing rapidly over years; (iii) Vietnamese customers are very vulnerable to cybercrime in banking, as more than 58% seem to hear about cybercrimes, and how banks provide services to let them know about their transactions. However, more than 50% do not have any deep knowledge or any measures for preventing cybercrime; (iii) Customers believe in banks, but do not think that banks can deal with cybercrime issues well. They still feel traditional transactions are more secure than e-transactions; (iv) the reasons for high cybercrimes come from commercial banks (low management and human capacity), supporting environment (inadequate), legal framework (not yet strong and strict enough on cybercrimes), and clients (low level of financial literacy). Therefore, several solutions should be carried out, from all stakeholders, for improving the cybersecurity in Vietnamese banks. 

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