Determinable Factors Affecting Commercial Banks Deposit: The Case of Nigeria (2000-2019)

This study examined the determinable factors affecting commercial banks deposits in Nigeria for the period of 2000 to 2019 using panel data of listed banks. The study adopted secondary data obtained from the listed Deposit Money Banks annual reports and were analyzed. Explanatory variables of the study were proxied as Branch Network, Financial intermediation ratio, Bank size, Money Supply and Economic Growth. while Dependent variable was proxied by Deposit value of banks. The study adopted ex-post facto research design to examine the effects of bank-specific and macro-economic factors on deposit in Nigerian Deposit Money Banks. Series of diagnostic tests was carried out by the study. Panel data technique specified random effect model by Hausman test. The study found that branch network and bank size have positive and significant effects with deposit while financial intermediation ratio and economic growth have positive but insignificant effects with deposit during the study period. Also, money supply has negative but significant effect on deposit. The study therefore recommended among others that the regulatory agencies of financial institutions should continue to stimulate competition in the banking industry as increase in branch network still hold key positions in strengthening deposits and activities of the institutions to be able to compete internationally. Also, at the bank level, the improvement of the deposit of Nigerian Deposits Money Banks need to be conducted by a reinforcement of the intermediation activities of banks through central banking regulation programs that will propels financial institutions to adhere to increase in loan-to-deposit portfolio.

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Non-banking financial intermediation and phenomena of shadow money in modern economy

Finance and Credit ◽

10.24891/fc.27.8.1694 ◽

2021 ◽

Vol 27 (8) ◽

pp. 1694-1709

Author(s):

Vladimir K. BURLACHKOV

Keyword(s):

Commercial Banks ◽

Financial Intermediation ◽

Banking System ◽

Banking Regulation ◽

Developed Countries ◽

Bank Credit ◽

Shadow Banking ◽

Economic Agents ◽

Shadow Banking System ◽

Lending Activity

Subject. The article addresses the non-banking financial intermediation (shadow banking system) as it is successfully expanding nowadays both in developed countries and emerging economics. Objectives. The study aims at conducting a comprehensive analysis of the specifics of non-banking financial intermediation, revealing its impact on economic agents’ activities, causes and consequences, and elaborating the methodological framework for effectiveness of modern monetary policy. Methods. I employ methods of scientific abstraction, induction, deduction, synthesis, and comparative analysis. Results. In the modern national economy, along with the money, created by the central bank and commercial banks, there are highly liquid financial instruments called shadow money. The scope of its application is shadow banking (financial intermediation) outside the banking system. The use of shadow money is caused by high demand for credit resources. Conclusions. The high activity of shadow banking and increased turnover of shadow money resulted from a transfer to Basel standards of banking regulation in the 1990s, which affected the lending activity of commercial banks. Under these conditions, the demand for loans provided by non-bank credit and financial institutions increased. The market of non-bank credit products was formed. However, the process of lending in the shadow banking is associated with high risks and non-stability of shadow money, widely used in this sphere.

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The Impact of Financial Deepening on Economic Growth in Nigeria (1981-2018)

WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS ◽

10.37394/23207.2020.17.96 ◽

2020 ◽

Vol 17 ◽

Keyword(s):

Economic Growth ◽

Private Sector ◽

Interest Rates ◽

Money Supply ◽

Commercial Banks ◽

Financial Sector ◽

Financial Deepening ◽

Growth Data ◽

Main Research ◽

The Impact

Different academics and experts have acknowledged that developing the financial sector positively impacts economic growth by increasing productivity, progress and national investment. Expanding the financial sector allows financial intermediaries to carry out functionalities of deploying, aggregating and directing a country’s savings into an investment which contributes to domestic progression. This research explores the effect of financial deepening on Nigeria’s growth for 38 years covering 1981- 2018. The main research goals were to investigate the linkages among time and savings deposit of commercial banks, money supply and credit to the private sector on the economy’s growth. Data was obtained from CBN Bulletin different issues and analyzed using Autoregressive Distributed Lag. From the result of analysis, we found out that long run relationship existed but no regressor was found to be significant. Credit to the private sector to GDP was inversely related to GDP growth whereas money supply to GDP had positive relations with economic growth rate, time and savings deposits in commercial banks negatively affected national growth. Policies favoring credit lending to the private sector should be encouraged by stakeholders in the economy, for instance, higher savings interest rates would encourage more savings. More importantly, policies should be enacted to make sure that savings are transmitted into productive investments that can yield financial deepness

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Customer Satisfaction in Retail Banking Services in Nepal

PYC Nepal Journal of Management ◽

10.3126/pycnjm.v12i1.30585 ◽

2019 ◽

Vol 12 (1) ◽

pp. 45-58

Author(s):

Phul Prasad Subedi

Keyword(s):

Regression Analysis ◽

Customer Satisfaction ◽

Financial Institutions ◽

Commercial Banks ◽

Retail Banking ◽

Descriptive Statistics ◽

Banking Services ◽

Factors Affecting ◽

Independent Variables ◽

The Relationship

This research mainly focuses on analysing the factors affecting customer satisfaction in retail banking in Nepal. The study adopts descriptive and explorative research design to deal with the fundamental issues associated with various factors of customers’ satisfaction and retail banking. The study is based on questionnaire survey of 200 customers of 10 different “A” class financial institutions, i.e. commercial banks. Descriptive statistics, correlation coefficient and regression analysis have been applied to estimate the relationship between customer satisfaction as dependent variable and service quality variables as independent variables. The empirical evidences indicate that reliability, responsiveness, assurance and tangibles factors have positive and significant impact on customer satisfaction. It reveals that higher the level of responsiveness, reliability, assurance and tangibility higher would be the customer satisfaction.

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Financial Intermediation and Economic Growth in China: New Evidence from Panel Data

Emerging Markets Finance and Trade ◽

10.1080/1540496x.2016.1116278 ◽

2016 ◽

Vol 52 (3) ◽

pp. 724-732 ◽

Cited By ~ 3

Author(s):

Haifeng Xu

Keyword(s):

Economic Growth ◽

Panel Data ◽

Financial Intermediation ◽

New Evidence

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Analisis Faktor-Faktor yang Mempengaruhi Jumlah Penduduk di Kota Semarang Menggunakan Metode Regresi Data Panel

J Statistika: Jurnal Ilmiah Teori dan Aplikasi Statistika ◽

10.36456/jstat.vol12.no2.a2227 ◽

2019 ◽

Vol 12 (2) ◽

pp. 36-41

Author(s):

Prizka rismawati Arum

Keyword(s):

Panel Data ◽

Random Effect ◽

Geographical Area ◽

Random Effect Model ◽

Factors Affecting ◽

Effect Model ◽

Panel Data Regression ◽

Data Regression ◽

The Relationship ◽

Number Of Births

Residents are all people who live in the geographical area of Indonesia for six months or more and or those who have been domiciled for less than six months but aim to settle. Population growth is caused by two components, namely: fertility and mortality. To find out how big the relationship between the population and the number of births and deaths in each sub-district of Semarang, must observed in several specific time periods and places at once. So in this study, the panel data regression method was used. In panel data regression testing, the results show that the panel data regression model formed to determine the factors that influence the level of population is the random effect model. In this model all assumptions are fulfilled. Significant factors affecting population are number of births. Births and deaths affect the population of 99.95% and the remaining 0.05% is influenced by other factors not examined Penduduk adalah semua orang yang berdomisili di wilayah geografis Indonesia selama enam bulan atau lebih dan atau mereka yang berdomisili kurang dari enam bulan tetapi bertujuan menetap. Pertumbuhan penduduk diakibatkan oleh dua komponen yaitu: fertilitas dan mortalitas. Untuk mengetahui seberapa besar keterkaitan antara jumlah penduduk dengan jumlah kelahiran dan kematian di setiap kecamataan Kota Semarang, harus diamati dalam beberapa periode waktu tertentu dan beberapa tempat secara bersamaan. Sehingga dalam penelitian ini digunakan metode regresi data panel. Dalam pengujian regresi data panel, didapatkan hasil bahwa Model regresi data panel yang terbentuk untuk mengetahui faktor-faktor yang mempengaruhi tingkat jumlah penduduk adalah model random Effect. Pada model tersebut semua asumsi terpenuhi. Faktor yang signifikan mempengaruhi jumlah penduduk adalah jumlah kelahiran. Kelahiran dan kematian mempengaruhi jumlah penduduk sebesar 99.95% dan sisanya sebesar 0.05% dipengaruhi oleh faktor- faktor lain yang tidak di teliti.

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The Effect of Financial Sector Development on Economic Growth of Selected Sub-Saharan African Countries

Journal of Economics Business and Accountancy Ventura ◽

10.14414/jebav.v23i2.1967 ◽

2020 ◽

Vol 23 (2) ◽

Author(s):

Dagim Tadesse Bekele ◽

Adisu Abebaw Degu

Keyword(s):

Economic Growth ◽

Panel Data ◽

Private Sector ◽

Financial Institutions ◽

Adult Population ◽

Financial Sector ◽

Dynamic Panel Data ◽

Sub Saharan Africa ◽

Financial Sector Development ◽

Sub Saharan

Finance-growth nexus is among the main debatable issue in economics and policymaking. So, this research tried to look at the effect of financial sector development on the economic growth of 25 sub-Saharan Africa countries by using panel data for time 2010-2017. Precisely, three dynamic panel data models which look the effect of financial sector depth, access and efficiency on economic growth were estimated by two-step system GMM estimation. In this research, credit extended to the private sector per GDP, commercial bank branch per 100,000 adult population, and Return to assets were used as a proxy for financial sector depth, access, and efficiency, respectively. Accordingly, the results revealed financial sector depth, access, and efficiency have a positive and statistically significant effect on the economic growth of these countries. It is therefore recommended for the concerned bodies that broadening the depth of financial institutions by giving more credit for the private sector is essential. Besides, the financial institutions will have to be expanded to increase their accessibility to the mass and have to take some measures which promote their efficiency.

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HUBUNGAN ANTARA KORUPSI DENGAN PERKEMBANGAN PASAR SAHAM DAN PERBANKAN: KAJIAN EMPIRIS PADA SEMBILAN NEGARA DIKAWASAN ASEAN+3

Jurnal Ekonomi Pembangunan ◽

10.22219/jep.v15i1.4643 ◽

2017 ◽

Vol 15 (1) ◽

pp. 1

Author(s):

Muhammad Fazri ◽

Hermanto Siregar ◽

Heni Hasanah

Keyword(s):

Economic Growth ◽

Economic Development ◽

Panel Data ◽

Stock Market ◽

Financial Institutions ◽

Development Process ◽

Institutional Influences ◽

Banking Development ◽

Macroeconomic Stability

Banking and stock market are two financial institutions which play an important role in the economic development process. Many studies suggest that the development of banking and stock market are able to increase the economic growth. There are factors which influence the development of these two financial institutions, for example macroeconomic stability and institutional influences such as corruption. This study aims to analyze how corruption affects the development of banking and stock market and also tries to identify the role of development of banking to reduce corruption. This study uses panel data for nine countries of ASEAN +3 region, during 2003-2012. The result shows that corruption hinders the development of banking and stock market. In addition, banking development will reduce corruption.

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DETERMINANT EFFICIENCY OF FINANCIAL INSTITUTIONS IN EMERGING MARKET

Jurnal Manajemen dan Pemasaran Jasa ◽

10.25105/jmpj.v12i2.4658 ◽

2019 ◽

Vol 12 (2) ◽

pp. 165

Author(s):

Suwinto Johan

Keyword(s):

Economic Growth ◽

Panel Data ◽

Capital Structure ◽

Financial Institutions ◽

Firm Size ◽

Financial Institution ◽

Emerging Market ◽

Financial Ratios ◽

Financial Industry ◽

Finance Company

The aim of this research is to analyze the determinants of non-bank financial institution efficiency. The non-bank financial industry is one of the main contributors to Indonesia economic growth during the last 15 years. The non-bank financial industry will the consumer finance company industry. The panel data used in this research is from 2001-2016.The non-bank financial industry is also measured as one the fastest raising industries in the last 16 years. Thesixmain financial ratios and related industry alliance impact the determinants of finance companies’ efficiency. The financial ratios are firm size, capital structure, equity, asset ratio, income to total assets and cost to total assets. The empirical results show that the determinants of non-bank financial institution are income to total assets and cost to total assets.

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Analysis of factors affecting capital expenditures and their implications on government financial performance provinces in Indonesia 2011-2019

International Journal of Research in Business and Social Science (2147-4478) ◽

10.20525/ijrbs.v10i5.1195 ◽

2021 ◽

Vol 10 (5) ◽

pp. 95-106

Author(s):

Mega Riandini Arsallya ◽

Azwardi Azwardi ◽

Yusnaini Yusnaini

Keyword(s):

Economic Growth ◽

Panel Data ◽

Financial Performance ◽

Capital Expenditure ◽

Random Effect ◽

Random Effect Model ◽

Provincial Government ◽

Series Data ◽

Capital Expenditures ◽

The Impact

The purpose of this research aims to determine the impact of Local Own Revenue, Balanced Funds, Economic Growth, and Excess of Budget Calculation (SiLPA) on Capital Expenditure as long as the implications to provincial government financial performance in Indonesia from 2011 to 2019. The province government financial reports from across Indonesia as population and in 2011 to 2019 as samples. This type of research is known as causal associative research, with quantitative descriptive analysis techniques, and Panel Data Regression Analysis with The Random Effect Model as the selected model, with secondary data including time-series data and panel data in 2011 to 2019 from The Supreme Audit Agency of the Republic of Indonesia, the Central Bureau of Statistics, and other official publications. According to the research results, R2 was 79.08%. Partially Local Own Revenue had a positive value and did not affect Capital Expenditure. Balanced Funds, Economic Growth, and Excess of Budget Calculation had positive values and an effect on Capital Expenditures. Simultaneously, Local Own Revenue, Balanced Funds, Economic Growth, and Excess of Budget Calculation affect Capital Expenditure. Then Local Own Revenue, Balanced Funds, Economic Growth, Excess of Budget Calculation and Capital Expenditures simultaneously did not affect Financial Performance.

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PENGARUH SEKTOR UNGGULAN DAN DETERMINASI FAKTOR YANG MEMPENGARUHI PERTUMBUHAN EKONOMI DI WILAYAH PULAU SUMBAWA TAHUN 2005-2013

Media Ekonomi ◽

10.25105/me.v23i2.3325 ◽

2015 ◽

Vol 23 (2) ◽

pp. 135

Author(s):

Bambang Munadjat

Keyword(s):

Economic Growth ◽

Random Effect ◽

Random Effect Model ◽

Secondary Data ◽

Tertiary Sector ◽

Growth Ratio ◽

Factors Affecting ◽

Regional Finance ◽

The Republic ◽

Corporate Social

Economic growth is generally supported by resources, but not all regions have the same potential resources. This study aims to analyze the leading sectors and analyze the factors that influence the economic growth of regencies / cities in Sumbawa Island, namely PAD, DAU, DAK, DBH, CSR (Corporate Social Responsibility), LBI (Local Business Initiative), Unemployment (TPT ), Inflation (INF) and Export (EXP). The methodology used is descriptive and inferential secondary data of West Sumbawa, Sumbawa, Dompu, Bima and Kota Bima in 2005-2013 from the BPS and the Ministry of Finance of the Republic of Indonesia. Leading sectors are analyzed by LQ, Shift-Share, Growth Ratio Methods and overlays; while the factors affecting PDRB are analyzed by Data Panel Regression. The results showed that the leading sector was dominated by Primary Sector Groups, except Bima City which was dominated by Secondary and Tertiary Sector Groups. Regional finance still financed by DAU reaches up to 70% and highest PAD is in West Sumbawa around 7.91%. Based on the Random Effect Model analysis, showing DAU, DBH, LBI and EXP have a positive and significant effect on Mine GRDP, and only DAU has a significant effect on Non-mining GRDP. PAD, DAK, CSR, TPT and INF have no significant effect on GRDP, but simultaneously have a significant effect. Broadly speaking, the independent variables are able to explain the variation of the dependent variable up to 67%.

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