scholarly journals STRATEGIC RESPONSES OF BANKS TREASURY DEPARTMENTS TOWARDS A COMPETITIVE ENVIRONMENT AND ITS EFFECT ON PROFITABILITY: A CASE STUDY OF BANK OF AFRICA

2016 ◽  
Vol 1 (1) ◽  
pp. 44
Author(s):  
Section Editor One
Keyword(s):  
Data Analysis ◽  
Quantitative Methods ◽  
Survey Design ◽  
Customer Relationship ◽  
Primary Data ◽  
Strategic Responses ◽  
Technology System ◽  
Descriptive Survey ◽  
Customer Profiles

Purpose: The purpose of this study was to determine the effect of strategic responses of banks treasury departments on the profitability in Bank of Africa.Methodology: The research was carried out through descriptive survey design. The population of the study was 1040 employees of the Bank of Africa. A sample size of 81 respondents was selected through convenience sampling. The study used primary data specifically the study used a questionnaire as the preferred data collection tool. The questionnaire had close ended questions only. This study used the quantitative method of data analysis. Quantitative methods of data analysis included inferential and descriptive statistics. The rationale for using quantitative methods for data analysis was because some of the data results required quantitative interpretation.Results: Results led to the conclusion that CRM strategy enables the banks to analyze the customer profiles. It was inferred that CRM strategy helps banks to identifying the banks most profitable customer and prospects and that CRM enables the bank to provide better customer service.Unique contribution to theory, practice and policy: The study recommends that banks should emphasize customer relationship by investing in a customer relationship management system. Specifically, banks should invest in a robust Information technology system as this can certainly help companies to create satisfied and loyal customers.

EFFECT OF FINANCIAL RESOURCES ON THE EFFECTIVENESS OF DEBT COLLECTION IN COMMERCIAL BANKS

2017 ◽  
Vol 2 (4) ◽  
pp. 46
Author(s):  
Peter Kitonga
Keyword(s):  
Data Analysis ◽  
Commercial Banks ◽  
Quantitative Methods ◽  
Survey Design ◽  
Sampling Technique ◽  
Descriptive Statistics ◽  
Financial Resources ◽  
Primary Data ◽  
Sensitive Information ◽  
Debt Collection

Purpose: The study aimed to examine the effect of financial resources on the effectiveness of debt collection in commercial banks.Methodology: The research was carried out through descriptive survey design.  The total population of the study was 1118credit managers/supervisors or branch managersof the 37 commercial banks. A sample size of 118 respondents was selected through random sampling technique, which represents a 10% of the population. The study used both secondary and primary data specifically the study used a questionnaire as the preferred data collection tool. The questionnaire had close ended questions only. Secondary data on the level of Nonperforming loans/Gross loans was also collected. This study used the quantitative method of data analysis. Quantitative methods of data analysis included inferential and descriptive statistics. Descriptive statistics included frequencies and measures of tendency mainly mean. Inferential statistics include correlation and regression analysis. The tool for data analysis was Statistical Package for Social Sciences (SPSS) version 20 program. The results were presented using tables and pie charts to give a clear picture of the research findings.Results:Correlation results led to the conclusion that the relationship between financial resources and non-performing loans is negative and significant. This implies that an increase in the financial resources led to a decrease in non-performing loans. This further implies that financial resources influenced or affected non-performing loans negatively.Policy recommendation:it is recommended that staff competence be emphasized in the banks as it has an effect on the overall achievement of effective debt collection practices. Therefore the management is urged to encourage sharingofpotentially sensitive information on costs, quality, and productivity on financial performance with other employees.

scholarly journals The Impact of Information Communication and Technology Utilization on the Financial Performance of Microfinance Institutions in Rwanda Case Study: Reseau Interdiocesain De Microfinance (Rim) Ltd, Rwanda (2011 -2015)

2017 ◽  
Vol 4 (2) ◽  
pp. 13
Author(s):  
Jean Bosco Harelimana
Keyword(s):  
Financial Performance ◽  
Quantitative Methods ◽  
Positive Impact ◽  
Financial Sustainability ◽  
Microfinance Institutions ◽  
Information Communication ◽  
Qualitative And Quantitative Methods ◽  
Descriptive Survey ◽  
The Impact

The study analyzed the impact of ICT utilization on the financial performance of microfinance institutions inRwanda with case study of Réseau Interdiocesain de microfinance (RIM) Ltd undertaken within 5 years (2011-2015). The study adopted the use of descriptive survey using both qualitative and quantitative methods for a totalsample size of 132. Purporsive and simple random simpling was used for this purpose. Primary and Secondary datawere collected and thene analyzed using SPSS version 16.00. The study found that ICT has been introduced and usedabout 5 years and above. The study found that ICT impact firstly on financial sustainability and profitability (65.8%),secondly on financial efficiency and productivity (23.7) and finally on portfolio quality (5.3%). ICT utilization havea high influence to the RIM Ltd.’s financial performance compared to the previous situation.The correlation results imply that ICT usage has a positive impact on financial sustainability and profitability as theymove in the same direction (R=0.502). The strength of the impact was found to be low due to the low investments inICT among microfinance institutions.

scholarly journals The Influence of Waqf Distribution and Promotion on Community Trust (Case Study: Tabung Wakaf Indonesia)

2020 ◽  
Vol 3 (1) ◽  
pp. 107
Author(s):  
Dina Yustisi Yurista ◽  
Mohammad Noviani Ardi
Keyword(s):  
Poverty Reduction ◽  
Quantitative Methods ◽  
Public Trust ◽  
Primary Data ◽  
Alternative Source ◽  
Significant Relationships ◽  
The World Bank ◽  
Community Trust ◽  
Foreign Credit

Waqf is a potential source of funds to overcome social problems, but most poverty reduction programmes rely on foreign credit, especially from the World Bank. In this case, the development of a waqf by a nadzir can be an alternative source of funding in the general economic empowerment, which is supported by society�s trust in waqf institutions. Therefore, this study is conducted to identify the factors that determine public trust and to examine the influence of waqf distribution and promotion on society trust in waqf funds managed by Tabung Wakaf Indonesia. This paper used quantitative methods and utilized primary data through direct surveys with questionnaires were collected and analyzed using multiple regression analysis. The findings reveal that promotion and distribution have significant relationships with society trust. In addition, this study indicates that distribution has the greater impact than promotion on influencing society trust in waqf management. The findings nevertheless give a wide understanding of the concept of public trust and its antecedent in the context of Tabung Wakaf Indonesia.

scholarly journals Devolution and Politics as Predictors of Expansion Strategies in Public Training Institutions: A Case Study of Kenya Medical Training College

Science Mundi ◽  
2021 ◽  
Vol 1 (1) ◽  
Author(s):  
Paul Chandoo Musango ◽  
Daniel K. Kimwetich
Keyword(s):  
Health Services ◽  
Medical Training ◽  
Survey Design ◽  
Pearson Correlation ◽  
Primary Data ◽  
The Public ◽  
Political Patronage ◽  
Training Institutions ◽  
Descriptive Survey ◽  
Expansion Strategies

This study investigates the influence of devolution and politics on the expansion strategies in public training institutions with reference to the Kenya Medical Training College. The specific objectives of the study are to: establish the influence of devolution of health services on the success of expansion strategies in the public training institutions and; determine the influence of politics on the success of expansion strategies in the public training institutions. This study is based on the contingency theory. It adopts the descriptive survey design. The study focuses on 2393 KMTC officers from the 73 KMTC campuses in Kenya, 42 ministries of health officials in the 42 counties that have KMTC campuses, and 42 local leaders from those counties that have KMTC campuses. The total targeted study participants were thus 2477. From these, 10% (248 persons) were sampled. The study used purposive and stratified random sampling techniques to obtain the study sample. Primary data was collected using structured questionnaires and interviews. Data from questionnaires were analysed using the Statistical Package for the Social Sciences (SPSS) version 24. Descriptive statistics (frequencies, percentages, and means) were used to describe the central tendencies of the data. In addition, inferential statistics (Pearson Correlation and Multiple Regression Analysis) were also used.  Data from key informants were analysed using content analysis techniques. The findings show that the two study variables influenced the uptake of expansion strategies at KMTC campuses. In this regard, Pearson correlation shows that there was statistical significant relationship between devolution of health services (r=0.322, p<0.001) and; politics (r=0.478, p<0.001) and success of expansion strategies. These findings show that politics was the strongest factor influencing the success of expansion strategies followed by devolution of health services. As such, avoiding the negative influences of the devolution of health services and politics can enhance the success of expansion strategies at KMTC. In this regard, efforts aimed at reducing political patronage as well as interferences of devolved governments in the running of KMTC campuses would enhance the performance of new campuses.

scholarly journals BUSINESS MODEL CANVAS PERUSAHAAN PENGOLAH RUMPUT LAUT

2018 ◽  
Vol 8 (1) ◽  
pp. 1-16
Author(s):  
Ammar Fathin Mahdi ◽  
Lukman Mohammad Baga
Keyword(s):  
Business Model ◽  
Swot Analysis ◽  
Customer Relationship ◽  
Primary Data ◽  
Business Activity ◽  
Value Proposition ◽  
Business Model Canvas ◽  
New Business ◽  
Customer Segment

Winner Perkasa Indonesia Unggul is a SME that sells product based on seaweed processing. The enterprise is trying to improve their business activity on seaweed processing products. The purposes of this research are to identify the existing business model at the enterprise, to evaluate the model, and to generate a new business model prototype with the Business Model Canvas method analysis. This research  is a case study on a company, and conducted in March-May 2016. The data used are primary data in the form of interviews and internal company data, while qualitative analysis used to evaluate the business model, and the SWOT analysis method used to help generating new business model prototype. The results of this research were two alternative of business model prototype for the enterprise’s development in the future. The first alternative is trying to classify new customer segment, and followed by creating the new value proposition. With the additional of new customer segment and the new value proposition, it caused the enterprise to extend the channels by optimalizing technologies, and eventually increase the revenue stream of the enterprise. The second alternative is trying to increase the customer relationship by creating the new value proposition. It will raise the opportunity to make an alliance or partnership for helping the business activity of the enterprise. However, the changes on some parts of the business model will affect the enterprise’s cost structure.

scholarly journals The relationship between e-CRM and customer loyalty: a Kenyan Commercial Bank case study

2017 ◽  
Vol 12 (2) ◽  
pp. 106-115 ◽  
Author(s):  
Eric E. Mang’unyi ◽  
Oumar T. Khabala ◽  
Krishna K. Govender
Keyword(s):  
Customer Loyalty ◽  
Survey Design ◽  
Commercial Banking ◽  
Customer Relationship ◽  
Cross Sectional Survey ◽  
Design Data ◽  
Cross Sectional ◽  
Convenience Sample ◽  
The Relationship

Since customer loyalty is key, especially in the highly competitive commercial banking environment, this article evaluated the effects of features of electronic customer relationship management (e-CRM) on customer loyalty. Using a cross-sectional survey design, data were collected from a convenience sample of customers of a major international Kenyan bank using self-administered questionnaires. The findings based on correlation and multiple regression analyses, revealed that pre-service, during (the) service and post transactional e-CRM features have a positive and significant relationship with loyalty, and that the pre-service and during service features significantly predict loyalty. Thus, enhancing e-CRM practices could be a strategic competitive tool to impact the banks’ relationship with their customers.

scholarly journals EFFECT OF RAILWAY NETWORK INEFFICIENCIES ON BUSINESS OPERATIONS OF TATA CHEMICALS MAGADI, MOMBASA IN KENYA

2016 ◽  
Vol 1 (1) ◽  
pp. 26
Author(s):  
Keponyi Sakimpa ◽  
Dr. Willy M. Muturi ◽  
Dr Mos Otieno
Keyword(s):  
Survey Design ◽  
Target Population ◽  
Primary Data ◽  
P Value ◽  
Railway Network ◽  
Business Operations ◽  
The Government ◽  
Equipment Utilization ◽  
Descriptive Survey ◽  
Managerial Employees

Purpose: The purpose of this study was to investigate the effect of railway network inefficiencies on business operations of Tata chemicals Magadi, Mombasa in Kenya.Methodology: This study adopted a descriptive survey design. The target population of this study was the 450 employees of TATA Chemical Magadi Ltd. The study used a sample of 135 employees. The study employed stratified random sampling to identify the 135 respondents. The strata were those of top management, middle management/supervisors and non-managerial employees. Primary data was used to gather information by use of questionnaires. Information was sorted, coded and input into the statistical package for social sciences (SPSS 20) for production of descriptive and inferential statistics.Results: Results on the analysis of variance showed that the overall model was statistically significant and that the independent variables were good predictors of performance.  This was supported by an F statistic of 71.69 and the reported p value (0.000) which was less than the conventional probability of 0.05significance level. Descriptive results indicated that inefficiencies of Kenya Railway Corporation greatly affect production targets, customer satisfaction, sales targets and equipment utilization in Tata chemicals Magadi Ltd which in turn affects the performance of the company.Unique contribution to theory, practice and policy: The government should allocate additional annual budget to the Kenya Railways Corporation to provide efficient means of transporting freight between cities and towns. Additionally, management of Tata Chemicals Magadi Ltd should exercise stronger leadership to enhance long term planning and disaster management to avoid loss to customers and manage its efficiency.

Pengaruh Motivasi Kerja Terhadap Disiplin Kerja Karyawan Pada Hotel Permai Pekanbaru

2019 ◽  
Vol 4 (2) ◽  
pp. 316
Author(s):  
Trio Saputra
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Correlation Coefficient ◽  
Quantitative Methods ◽  
Work Motivation ◽  
Secondary Data ◽  
Primary Data ◽  
Positive Correlation ◽  
Positive Correlation Coefficient

<p><em>The purpose of this study was to determine how much influence work motivation on employee work discipline at Permai Hotel Pekanbaru. In this study the authors used data analysis with Quantitative methods, namely data that can be calculated in the form of numbers obtained through questionnaires on respondents or the employee itself, and consists of Primary data and Secondary data. The results of the study based on regression analysis found that there was an effect of work motivation on employee work discipline positive correlation coefficient means having a unidirectional relationship. The better the motivation possessed by an employee, the higher the work discipline of the employee. Conversely, if the employee's work motivation is low then the work discipline will also be low, therefore the company leader, especially the hotel game will still provide motivation to employees to be able to improve work discipline.</em></p><p><em><br /></em></p><p><em>Tujuan dari penelitian ini adalah untuk mengetahui seberapa besar pengaruh motivasi kerja terhadap disiplin kerja karyawan pada Hotel Permai Pekanbaru.Di dalam Penelitian ini penulis menggunakan analisa data dengan metode Kuantitatif, yaitu data yang dapat dihitung berupa angka-angka diperoleh melalui penyebaran angket penelitian terhadap responden atau karyawan itu sendiri, dan terdiri dari data Primer dan data Sekunder. Hasil penelitian berdasarkan analisis regresi ditemukan ada pengaruh motivasi kerja terhadap disiplin kerja karyawan koefisien korelasi positif artinya memiliki hubungan yang searah. Semakin baik motivasi yang dimiliki oleh seorang karyawan maka akan semakin tinggi disiplin kerja karyawan, Sebaliknya apabila motivasi kerja karyawan rendah maka disinlin kerja juga akan rendah, oleh karena itu pimpinan perusahaan khususnya hotel permai tetap memberikan motivasi kepada karyawan untuk dapat meningkatkan disiplin kerja.</em></p>

CHALLENGES FACING UNDERGRADUATES ON THE USE OF LIBRARY SERVICES: A CASE STUDY ON FEDERAL UNIVERSITY OF AGRICULTURE, ABEOKUTA

2016 ◽  
Vol 15 (1) ◽  
pp. 83-92
Author(s):  
A. O. LASODE ◽  
F. A. YUSUF ◽  
A. B. KOIKI
Keyword(s):  
Survey Design ◽  
The Other ◽  
The Internet ◽  
Library Services ◽  
Internet Services ◽  
Examination Period ◽  
Level Of Satisfaction ◽  
Descriptive Survey ◽  
And Training

This study investigated the challenges facing undergraduates on the use of library services in Federal University of Agriculture, Abeokuta (FUNAAB). The objectives were to assess the attitude and level of satisfaction of undergraduates as well as the challenges they face on the use of library services. This study adopted the descriptive survey design. The sample of 180 respondents, who were undergradu- ates, was randomly selected from all Colleges of the Federal University of Agriculture, Abeokuta. The instrument used to elicit responses from the respondents was a questionnaire designed by the authors while descriptive statistic was employed to analyse the data. Findings of this study revealed that ma- jority of the respondents (55.00%) agreed that there is enough space in the library, 75.00% agreed that there is adequate number of staff in the library, 76.67% agreed that there are spacious shelves to house books, and 85.00% agreed that the library is conducive for learning. On the other hand, majority of the respondents (64.45%) disagreed that the library has current textbooks and 83.89% disagreed that the internet services in the library are accessible. Students«¤?? attitude towards the use of library varied, majority of the respondents (78.33%) agreed that the library is meant for reading or studying and not only during examination period. The major challenges identified by undergraduates in the use of the library services are inadequate up-to-date books in the library and tight academic schedules of students while the minor challenges include poor infrastructural facilities and insufficient space to ac- commodate users. It was recommended that libraries should ensure that adequate orientation and training are given to students on the use of the library services.

scholarly journals Sharia conformity for mudharabah financing practices in sharia banks based on the DSN-MUI Fatwa Number 07 year 2000: A case study

2021 ◽  
Vol 10 (4) ◽  
pp. 239-248
Author(s):  
Santi Lamusu ◽  
Aulia Fuad Rahman ◽  
Noval Adib
Keyword(s):  
Data Analysis ◽  
Qualitative Method ◽  
Qualitative Data ◽  
Secondary Data ◽  
Profit Sharing ◽  
Primary Data ◽  
Study Approach ◽  
Bank Employees ◽  
Year 2000

This study aims to uncover and analyze the suitability of sharia mudharabah financing practices at Bank Muamalat Semarang Branch with Fatwa DSN MUI Number 07 year 2000. To achieve this goal, the research was pursued using a qualitative method with a case study approach. The primary data of this research is interviews and is supported by secondary data. The key informants are bank employees. Data analysis was performed by using qualitative data analysis namely reduction, display and conclusion. The results showed that Bank Muamalat Semarang branch in carrying out the practice of mudharabah financing was in accordance with the DSN MUI Fatwa Number 07 year 2000 and the applicable SOP. Meanwhile, the recommendations in the Fatwa which are optional are still carried out in accordance with the prevailing regulations. For example, by requiring guarantees, channeling mudharabah financing only in the form of cash assets, only financing productive businesses such as BPRS and BMT, as well as the criteria for entrepreneurs, financing procedures and profit sharing mechanisms. The decision to choose the policy is accompanied by certain considerations, especially for the sustainability and security of LKS and does not conflict with fatwa rules so that it does not go out of the corridor of sharia principles in muamalah  

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