scholarly journals The Effect of Non-Peforming Loans Management on the Financial Performance of Commercial Banks in Rwanda: A Case Study of ECOBANK Rwanda

2017 ◽  
Vol 3 (1) ◽  
pp. 19
Author(s):  
Jean Bosco Harelimana

The study assessed the impact of Non-Performing Loans management on the financial performance of commercial Banks in Rwanda: a case study of ECOBANK Rwanda throughout the period from 2013 -2015. Qualitative and quantitative data were collected from the total population of 295 of employees of ECOBANK Rwanda where a sample of 170 of respondents was selected. The findings were summarized below in accordance of research objectives. Methods such as questionnaires, structured interview were used under this study. From the findings, the results confirmed there are many factors account for the incidence of non-performing loans in ECOBANK. The profit ratios performance of ECOBANK RWANDA from 2013 to 2015 indicated an increase from 2013 to 2014 where it came from on 9.24% to 14.92% of profit, while in 2014 to 2015 are characterized by increasing in profit from 14.92% to 15.18% of profit. There is an evidence of association between NPLs management and financial performance of ECOBANK Rwanda which was 0.741. ECOBANK Rwanda should look if it is necessary the participation of all stakeholders in the implementation of credits delivery principles. It should continue to do an improvement since NPLs management contributes 54.9% on financial performance at ECOBANK, they could reach even on 100.0% when improvement is done well at this commercial bank. 

2019 ◽  
Vol 14 (10) ◽  
pp. 35
Author(s):  
Gilbert Batsinda ◽  
Jaya Shukla

The study evaluates the impact of inflation on the profitability of commercial banks in Rwanda with specific focus on the Bank of Kigali. In Rwanda, the effect of inflation on the financial performance of commercial banks has not been adequately researched in relation to types of inflation. It is against this issue that the researcher wanted to carry out this research to find the relationship between inflation and profitability of commercial bank in Rwanda. The specific objectives of study were: to examine the trend of inflation in Rwanda; to examine the profitability of Bank of Kigali between 2011 and 2015; and to establish the relationship between inflation and profitability. To achieve objectives study used descriptive research design with population and sample size of 26 respondents. Correlation analysis is used to examine relationship between study variables. The study findings revealed that cost push inflation has positive high correlation to the Profitability of BK. Findings indicated that demand pull inflation and Monetary inflation has also positive high correlation profitability of Bank of Kigali. Finally it is concluded that the types of inflation affect commercial banks are cost push inflation, demand pull inflation and monetary inflation. Inflation has a significant role in enhancing commercial bank’s profitability.


2015 ◽  
Vol 16 (3) ◽  
pp. 280-289 ◽  
Author(s):  
Chi Phan ◽  
Phong Nham

One of key challenge for Vietnamese commercial banks is how to compete in the market place with commonly undifferentiated services. The aim of this study is to investigate the impact of service quality performance on customer satisfaction on ATM service in a commercial bank in Vietnam. This study applies SERVPERF framework to analyze the data collected from a questionnaire survey and found that ASSURANCE and TANGIBLES factors significantly impact on the customer satisfaction.


Author(s):  
Amineh Ahmed Hoti ◽  
Zahid Shahab Ahmed

Context last year brought deep sadness and great grief to many people - including and especially the students, parents and staff in schools across Pakistan and across the world in response to children being massacred brutally at a school in KPK, Pakistan. Schools, colleges, and universities, as a result, have been converted into fortresses and a thriving business for security-wallas. A case study of this program will be prepared through both qualitative and quantitative data examining the impact of FCCU's peace education program. We are hoping that this work would initiate the process of introducing peace education interventions in Pakistan at regional and global levels. This chapter will also help other peace education programs to learn from FCCU's approach of peacebuilding.


2018 ◽  
Vol 33 (4) ◽  
pp. 157-178
Author(s):  
Dawn Owens ◽  
Deepak Khazanchi

Purpose In an environment of constant technological change, the use of virtual teams (VTs) has become commonplace for many organizations. VTs bring together dispersed individuals with varying knowledge and skill sets to accomplish tasks. VTs rely heavily on information technology (IT) as the medium for communication and coordination of work. The issue of establishing and maintaining trust in VTs poses challenges for these dispersed workers. Previous research has established that higher trusting teams have better cooperation and experience improved outcomes. The authors hope to contribute to the literature on trust in VTs by exploring how technology can facilitate high trusting teams. Specifically, the purpose of this paper is to report the results of the research addressing the following question: how does the use of technology capabilities (TCs) afforded by virtual worlds (VWs) affect the development of trust in VTs? Design/methodology/approach A multiple case-study approach was used as the primary research design. Each case spanned a two-week period allowing for longitudinal data collection. The research was conducted within a VW setting with an emphasis on IT capabilities that are unique to three-dimensional VWs. Both qualitative and quantitative data collected during this process were analyzed at the group level. Findings The authors found that communication, rendering and interaction TCs allowed participants to use the technology to assess individual capabilities. While this paper answers some questions about how TCs can help develop trust in VTs, it also raises many questions. This study offers a model and framework for further work on this topic and encourages researchers to investigate other social and behavioral issues faced by VTs in a VW setting. Research limitations/implications While this paper answers some questions about how various TCs can help develop trust in VTs, it also raises many questions. The study results may not be generalizable if the respondents who visit an immersive VW are different from those who do not have sufficient VW experience. However, the authors believe that the relationships between the constructs would remain. Another potential limitation has to do with how often trustfulness/trustworthiness were measured in the study. Measuring trustfulness/trustworthiness at additional points in the study would help determine specific points where these constructs changed. Finally, the study suffers from the common criticisms of case study research. Case research requires direct observation which includes cost, time and access hurdles. However, many of these challenges were addressed by using various data collection methods. Another difficulty is the need for multiple methods for triangulation and lack of controls. Again, the study addressed these difficulties by combining qualitative and quantitative data sources. Practical implications This research provides deeper insight for organizations using VTs in terms of how TCs can be used to engender trust. This has implications for how we design collaboration technologies. Social implications The fundamental societal implication of this research is the conclusion that human behavior in the present world can potentially carry over in the VW and that TCs can be adapted and used to influence trust in VTs. This has implications for how we design collaboration technologies. Originality/value This paper offers practical implications for developing trust in VTs, specifically, how the use of TCs can facilitate trust development. The goal was not to recommend a specific technology platform, but rather explore how unique TCs impact behaviors in VTs. The study identified interesting findings relating to how people use TCs to complete tasks and collaborate on a team. These findings may be used to help develop guidelines and recommendations for using technology to enhance work practices in VTs.


2016 ◽  
pp. 369-385
Author(s):  
Amineh Ahmed Hoti ◽  
Zahid Shahab Ahmed

Context last year brought deep sadness and great grief to many people - including and especially the students, parents and staff in schools across Pakistan and across the world in response to children being massacred brutally at a school in KPK, Pakistan. Schools, colleges, and universities, as a result, have been converted into fortresses and a thriving business for security-wallas. A case study of this program will be prepared through both qualitative and quantitative data examining the impact of FCCU's peace education program. We are hoping that this work would initiate the process of introducing peace education interventions in Pakistan at regional and global levels. This chapter will also help other peace education programs to learn from FCCU's approach of peacebuilding.


Author(s):  
Dr. Navyashree KL ◽  
Dr. Manjunatha Adiga

Background: New world syndrome like obesity is one of the world’s oldest metabolic disorders is heading for the rocks with various reasons like urbanization and modernization. Though obesity and over weight is not affecting much to a person for daily living, the complication of which has become burning issue in the society. Aim and Objective: To assess the efficacy of Shamanoushadi along with Pathya Ahara Vihara. Methods: Guduchi Bhadraadi Kashaya, Hareetaki Churna and Pathya Ahara Vihara. Results: Management of Sthoulya with Pathya Ahara Vihara along with Shamanoushadi was effective in all qualitative and quantitative data. Discussion: The drug possessing Rooksha Guna, Kaphahara property counteracts Sthoulya. Conclusion: Our classics with variety of treatment to individual disease suggest the stages or condition that disease can cross over


2012 ◽  
Vol 7 ◽  
pp. 35-39 ◽  
Author(s):  
Liz Cairns ◽  
Maree Dyson ◽  
Sally Canobi ◽  
Nic Vipond

The use of contemporaneous evaluation in personal injury insurance enables schemes to maintain and enhance their viability through access to quality information on cost, liabilities and outcomes. Best practice in research programs in the sector requires data on client outcomes and financial performance to be collected. This article presents a case study of the research and evaluation program for the National Serious Injury Service of New Zealand's Accident Compensation Corporation.


Accounting ◽  
2020 ◽  
pp. 553-568
Author(s):  
Cuong Van Hoang ◽  
Loan Quynh Thi Nguyen ◽  
Manh Dung Tran ◽  
Tuan Dung Hoang

2001 ◽  
Vol 427 ◽  
pp. 73-105 ◽  
Author(s):  
LIOW JONG LENG

The impact of a spherical water drop onto a water surface has been studied experimentally with the aid of a 35 mm drum camera giving high-resolution images that provided qualitative and quantitative data on the phenomena. Scaling laws for the time to reach maximum cavity sizes have been derived and provide a good fit to the experimental results. Transitions between the regimes for coalescence-only, the formation of a high-speed jet and bubble entrapment have been delineated. The high-speed jet was found to occur without bubble entrapment. This was caused by the rapid retraction of the trough formed by a capillary wave converging to the centre of the cavity base. The converging capillary wave has a profile similar to a Crapper wave. A plot showing the different regimes of cavity and impact drop behaviour in the Weber–Froude number-plane has been constructed for Fr and We less than 1000.


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