scholarly journals CREDIT INFORMATION SHARING AND PROFITABILITY OF BANKS IN KENYA

2021 ◽  
Vol 2 (1) ◽  
pp. 1-13
Author(s):  
James Kimani
Keyword(s):  
Information Sharing ◽  
Cost Benefit Analysis ◽  
Cost Benefit ◽  
Positive Influence ◽  
Empirical Literature ◽  
Loan Repayment ◽  
Administrative Costs ◽  
Study Results ◽  
Credit History ◽  
The Cost

Purpose: Credit information sharing cost positively influenced the profitability of banks in Kenya. The general objective of the study was to evaluate credit information sharing and profitability of banks in Kenya. Methodology: The paper used a desk study review methodology where relevant empirical literature was reviewed to identify main themes and to extract knowledge gaps. Findings: The study stablished that borrower’s credit history information had a positive influence on the profitability in Kenya. The study the respondents agreed that their banks collect information on the number of previous applications that a loan applicant has made, the bank collects information on the number of loans applied and declined, the bank asks for reasons that the loan applied was declined for all applicants, the bank asks loan applicants to indicate the discipline observed when repaying previous loans advanced, the bank asks clients to indicate if they have delayed in remitting their periodic loan repayment in the past, the banks collect more information about the loan applicants credit history from the CRB. Recommendations: The study recommended that while sharing information, the banks should do a cost benefit analysis to ascertain if the sharing of such information is material or not. It should pay its attention to the administrative costs that come with sharing information. This is because the cost of information sharing as seen from the study results have a negative and significant influence on performance Purpose: Credit information sharing cost positively influenced the profitability of banks in Kenya. The general objective of the study was to evaluate credit information sharing and profitability of banks in Kenya. Methodology: The paper used a desk study review methodology where relevant empirical literature was reviewed to identify main themes and to extract knowledge gaps. Findings: The study stablished that borrower’s credit history information had a positive influence on the profitability in Kenya. The study the respondents agreed that their banks collect information on the number of previous applications that a loan applicant has made, the bank collects information on the number of loans applied and declined, the bank asks for reasons that the loan applied was declined for all applicants, the bank asks loan applicants to indicate the discipline observed when repaying previous loans advanced, the bank asks clients to indicate if they have delayed in remitting their periodic loan repayment in the past, the banks collect more information about the loan applicants credit history from the CRB. Recommendations: The study recommended that while sharing information, the banks should do a cost benefit analysis to ascertain if the sharing of such information is material or not. It should pay its attention to the administrative costs that come with sharing information. This is because the cost of information sharing as seen from the study results have a negative and significant influence on performance

scholarly journals Analysing the prospect of the maritime common information sharing environment’s implementation and feasibility in Montenegro

Pomorstvo ◽  
2021 ◽  
Vol 35 (2) ◽  
pp. 256-266
Author(s):  
Andrej Mihailovic ◽  
Nexhat Kapidani ◽  
Enis Kočan ◽  
David Merino Delgado ◽  
Jari Räsänen
Keyword(s):  
Information Sharing ◽  
Cost Benefit Analysis ◽  
Cost Benefit ◽  
Benefit Analysis ◽  
Common Information ◽  
Maritime Surveillance ◽  
Eu Project ◽  
The Cost ◽  
The Impact ◽  
Operational Aspects

This paper outlines an extensive analysis of the case of Montenegro’s maritime surveillance system becoming integrated within the European Common Information Sharing Environment (CISE). Threats to secure maritime borders across Europe are ever-present and regularly demand coordinated efforts between the member states to tackle and prevent them, e.g. illegal immigration across the Mediterranean. Administration for Maritime Safety and Port Management (AMSPM) in Montenegro is a member of the ANDROMEDA EU project that seeks to facilitate deployments and demonstrations of CISE trials across the European regions, towards their endorsement readiness. AMSPM is now at the forefront of assessing and deploying the CISE components in Montenegro. It thus appropriately evaluates the operational aspects, observes the CISE implementations in some European states, formulates the impact for other national stakeholders, as well as the very prospect of the resulting augmented maritime surveillance in the country. This substantiates the content of this paper as the feasibility of the CISE deployment in Montenegro, supported by a snapshot of the cost-benefit analysis. We aspire to offer novel perspectives and insights that could be a universally useful experience to different CISE implementation initiatives, especially for countries or regions of similar smaller sizes and coastal area.

Hostile Takeovers and Anti-takeover Defenses in the Russian Corporate Market

2007 ◽  
pp. 70-84 ◽  
Author(s):  
E. Demidova
Keyword(s):  
Cost Benefit Analysis ◽  
Cost Benefit ◽  
Benefit Analysis ◽  
Costs And Benefits ◽  
Hostile Takeovers ◽  
Russian Market ◽  
Takeover Defenses ◽  
The Cost ◽  
European Markets

This article analyzes definitions and the role of hostile takeovers at the Russian and European markets for corporate control. It develops the methodology of assessing the efficiency of anti-takeover defenses adapted to the conditions of the Russian market. The paper uses the cost-benefit analysis, where the costs and benefits of the pre-bid and post-bid defenses are compared.

What's it Worth? Improving Surface Water Quality

1999 ◽  
Vol 40 (10) ◽  
pp. 153-159 ◽  
Author(s):  
D. H. Newsome ◽  
C. D. Stephen
Keyword(s):  
Water Quality ◽  
Surface Water ◽  
Cost Benefit Analysis ◽  
Cost Benefit ◽  
Surface Water Quality ◽  
Control Measures ◽  
Benefit Analysis ◽  
The Cost

Many countries are investing in measures to improve surface water quality, but the investment programmes for so doing are increasingly becoming subject to cost-benefit analysis. Whilst the cost of control measures can usually be determined for individual improvement schemes, there are currently no established procedures for valuing the benefits attributable to improved surface water quality. The paper describes a methodology that has been derived that now makes this possible.

scholarly journals Economic Analysis of the Use of VCS2000 for Pork Carcass Meat Yield Grading in Korea

Animals ◽  
2021 ◽  
Vol 11 (5) ◽  
pp. 1297
Author(s):  
Juntae Kim ◽  
Hyo-Dong Han ◽  
Wang Yeol Lee ◽  
Collins Wakholi ◽  
Jayoung Lee ◽  
...  
Keyword(s):  
Economic Analysis ◽  
Net Present Value ◽  
Cost Benefit Analysis ◽  
Cost Benefit ◽  
Feed Consumption ◽  
Cost Ratio ◽  
Benefit Analysis ◽  
Labor Costs ◽  
Meat Yield ◽  
The Cost

Currently, the pork industry is incorporating in-line automation with the aim of increasing the slaughtered pork carcass throughput while monitoring quality and safety. In Korea, 21 parameters (such as back-fat thickness and carcass weight) are used for quality grading of pork carcasses. Recently, the VCS2000 system—an automatic meat yield grading machine system—was introduced to enhance grading efficiency and therefore increase pork carcass production. The VCS2000 system is able to predict pork carcass yield based on image analysis. This study also conducted an economic analysis of the system using a cost—benefit analysis. The subsection items of the cost-benefit analysis considered were net present value (NPV), internal rate of return (IRR), and benefit/cost ratio (BC ratio), and each method was verified through sensitivity analysis. For our analysis, the benefits were grouped into three categories: the benefits of reducing labor costs, the benefits of improving meat yield production, and the benefits of reducing pig feed consumption through optimization. The cost-benefit analysis of the system resulted in an NPV of approximately 615.6 million Korean won, an IRR of 13.52%, and a B/C ratio of 1.65.

scholarly journals Beyond the Stern Review: Lessons from a risky venture at the limits of the cost–benefit analysis

2009 ◽  
Vol 68 (10) ◽  
pp. 2479-2484 ◽  
Author(s):  
Jean-Charles Hourcade ◽  
Philippe Ambrosi ◽  
Patrice Dumas
Keyword(s):  
Cost Benefit Analysis ◽  
Cost Benefit ◽  
Benefit Analysis ◽  
Stern Review ◽  
The Cost

Inferring age from otolith measurements: a review and a new approach

2004 ◽  
Vol 61 (7) ◽  
pp. 1269-1284 ◽  
Author(s):  
RIC Chris Francis ◽  
Steven E Campana
Keyword(s):  
Simulation Experiment ◽  
Cost Benefit Analysis ◽  
Cost Benefit ◽  
New Method ◽  
Population Parameters ◽  
Benefit Analysis ◽  
Mixture Analysis ◽  
New Approach ◽  
Individual Fish ◽  
The Cost

In 1985, Boehlert (Fish. Bull. 83: 103–117) suggested that fish age could be estimated from otolith measurements. Since that time, a number of inferential techniques have been proposed and tested in a range of species. A review of these techniques shows that all are subject to at least one of four types of bias. In addition, they all focus on assigning ages to individual fish, whereas the estimation of population parameters (particularly proportions at age) is usually the goal. We propose a new flexible method of inference based on mixture analysis, which avoids these biases and makes better use of the data. We argue that the most appropriate technique for evaluating the performance of these methods is a cost–benefit analysis that compares the cost of the estimated ages with that of the traditional annulus count method. A simulation experiment is used to illustrate both the new method and the cost–benefit analysis.

Drug costs and treatment choices: a DTB symposium

1993 ◽  
Vol 31 (11) ◽  
pp. 41-44
Keyword(s):  
Cost Benefit Analysis ◽  
Health Benefit ◽  
Cost Benefit ◽  
Drug Costs ◽  
Benefit Analysis ◽  
Treatment Choices ◽  
The Subject ◽  
The Cost ◽  
The Relationship ◽  
Service Managers

The relationship between drug costs and treatment choices was the subject of the first annual Drug and Therapeutics Bulletin symposium held in March 1993.* In a time of severe financial constraints for the NHS it is important that the money available is well spent. In the case of treatment that means the benefits must be worth the cost. There is, however, no agreed way of deciding when a particular health benefit to an individual is worth the cost to the NHS. Drug prices are easier to measure and more consistent than the prices of other treatments, and may be more amenable to cost-benefit analysis. Treatment choices are made primarily by doctors but with critical input from patients, pharmacists, nurses and health service managers. In this article we give an overview of the symposium at which speakers described ways in which drug costs and treatment choices were tackled in general practice (Ann McPherson, John Howie), in hospital (Dorothy Anderson), in clinical research and audit (Iain Chalmers, Alison Frater), by consumers (Anna Bradley), by health economists (Mike Drummond) and by government (Joe Collier). We also take into account points raised in discussion by the participants.

Understanding the disclosure of personal data online

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Heather J. Parker ◽  
Stephen Flowerday
Keyword(s):  
Social Media ◽  
Information Disclosure ◽  
Cost Benefit Analysis ◽  
Personal Information ◽  
Personal Data ◽  
Cost Benefit ◽  
Content Type ◽  
Privacy Violation ◽  
The Cost ◽  
Insight Into

Purpose Social media has created a new level of interconnected communication. However, the use of online platforms brings about various ways in which a user’s personal data can be put at risk. This study aims to investigate what drives the disclosure of personal information online and whether an increase in awareness of the value of personal information motivates users to safeguard their information. Design/methodology/approach Fourteen university students participated in a mixed-methods experiment, where responses to Likert-type scale items were combined with responses to interview questions to provide insight into the cost–benefit analysis users conduct when disclosing information online. Findings Overall, the findings indicate that users are able to disregard their concerns due to a resigned and apathetic attitude towards privacy. Furthermore, subjective norms enhanced by fear of missing out (FOMO) further allows users to overlook potential risks to their information in order to avoid social isolation and sanction. Alternatively, an increased awareness of the personal value of information and having experienced a previous privacy violation encourage the protection of information and limited disclosure. Originality/value This study provides insight into privacy and information disclosure on social media in South Africa. To the knowledge of the researchers, this is the first study to include a combination of the theory of planned behaviour and the privacy calculus model, together with the antecedent factors of personal valuation of information, trust in the social media provider, FOMO.

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