scholarly journals The Impact of Credit Policy on the Performance of Nigerian Commercial Banks

2014 ◽  
Vol 1 (2) ◽  
pp. 40 ◽  
Author(s):  
Ayodele Thomas D. ◽  
Raphael O. Alabi
Keyword(s):  
Commercial Banks ◽  
Primary Data ◽  
Financial Intermediaries ◽  
Credit Policy ◽  
High Quality ◽  
Chi Square ◽  
High Level ◽  
The Impact

The major financial intermediary in any economy is the bank. As financial intermediaries, banks provide means by which funds can be transferred from the surplus unit of the economy to the deficit unit. This role is performed primarily through the acceptance of deposits of different categories and characteristics for onward lending to the numerous customers by way of loans and credits. The study tries to access the impact of credit policy on the performance of Nigerian Commercial Banks using Zenith Bank Plc as case study. Primary data were collected through questionnaires served on sixty (60) respondents (staff: 32 and customer: 28) of the bank. The questionnaires were analysed with the use of chi-square (X2). The findings from the study show that having a good credit policy in place goes a long way in minimizing the incidence of bad debts. It was also discovered that prudent credit assessment and disbursement, dynamic credit monitoring and decisive actions when there are warning signals, have all helped the bank to maintain a high quality of assets and a high level of profitability.

scholarly journals Farmer Preference to High Elevation Rice Technological Packages for Accelerating Technological Dissemination (A case Study in Humbang Hasundutan Regency)

Agro Ekonomi ◽  
2021 ◽  
Vol 32 (2) ◽  
Author(s):  
Setia Sari Girsang ◽  
Agung B Santosa ◽  
Tommy Purba ◽  
Deddy R Siagian ◽  
Khadijah E Ramija
Keyword(s):  
Low Cost ◽  
High Elevation ◽  
Primary Data ◽  
Survey Method ◽  
User Friendliness ◽  
Level Of Satisfaction ◽  
High Level ◽  
Level Of Importance

Accelerating the introduction of a new technological package is needed to increase the productivity of high elevation puddled rice in Humbang Hasundutan. The objectives of the study are to find out the perception of the existence of technological packages and farmers' preference for a new technological package. The study used a survey method with primary data gathered using questionnaires. The criteria of locations and respondents were used to obtain relevant respondents and data concerning their knowledge of high elevation puddled rice cultivation.  The collected data were processed by using Importance Performance Analysis in order to find out the level of Importance and Satisfaction of the indicators and the valued aspects in the technological package components. The results of the study showed that the socio-economic aspects had to be heeded in organizing the technological package. Indicators having a high level of importance and a low level of satisfaction consisted of production cost, quality of seeds, farmer groups empowerment, technology information institution, capital cost, agricultural tools and machines, pest control, sales price, irrigation canals, and farm roads. On the other hand, introducing new superior seeds, productivity attribute and planting age were important indicators for local farmers as to improve the quality of existing seeds. Farmers group expected that the technological package had a high level of productivity, better access to input, low cost, and good user-friendliness in its application.

scholarly journals IFRS9 TRANSITION IMPACT ON THE QUALITY OF FINANCIAL REPORTING INFORMATION: A CASE STUDY OF YEMEN COMMERCIAL BANKS

2020 ◽  
pp. 54-63
Author(s):  
Mahdi Qasem Saeed, Saeed ◽  
D. A. Nikam
Keyword(s):  
Data Analysis ◽  
Statistical Methods ◽  
Financial Reporting ◽  
Commercial Banks ◽  
Positive Relationship ◽  
Descriptive Statistics ◽  
Ifrs 9 ◽  
The Impact

The purpose of this study is to know the IFRS 9 transition impact on the suitability and reliability of the quality of financial reporting information. A questionnaire was used in data collecting. Out of 92 questionnaires, only 85 were valid and suitable. The data analysis has been done by using SPSS and several statistical methods through descriptive statistics such as averages, standard deviations, and T-test. This study adds to the literature by knowing the IFRS 9 transition impact on the suitability and reliability of the quality of financial reporting information in the commercial banks of Yemen. The study reached that there is a positive relationship between the impact of the adoption of the IFRS9 on the suitability and reliability of the quality of financial reporting information in Yemen commercial banks. Finally, the study was concluded with some recommendations. KEYWORDS: International Standard Financial Reporting IFRS9, Quality of Financial Reporting Information, Suitability, and Reliability, commercial banks.

scholarly journals Impact of Foreign Remittances on Quality of Life: A Case Study of District Lower Dir, Pakistan

2019 ◽  
Vol IV (III) ◽  
pp. 132-139
Author(s):  
Haidar Farooq ◽  
Sabahat Subhan ◽  
Yasir Riaz
Keyword(s):  
Quality Of Life ◽  
Family Health ◽  
Primary Data ◽  
Private Hospitals ◽  
Healthcare Needs ◽  
The Impact ◽  
Positive Effect ◽  
Private Doctor

This research study examines the impact of remittances on quality of life. In order to accomplish the objectives, the study uses primary data which are collected from 403 households of District Dir Lower, Pakistan. Results summarized that incoming foreign remittances have a positive effect on education. Foreign remittances improve the household income level, this income is further utilized for different educational expenses. Therefore, remittance recipient families spend more than that of non-receiving families on education. In addition, remittances also increase the probability of children’s enrollment in schools. On the other hand, remittances are positively associated with family health status. The results revealed that 83% of the remittance recipient families have the ability to access basic healthcare needs, whereas 64% of non-receiving households have no access to basic health facilities. Additionally, remittances receiving families mostly prefer a private doctor and private hospitals, whereas non-receiving household usually uses government hospital facilities.

scholarly journals Analysis of Tax Reforms among Salaried Assessees: A Case Study of Tamil Nadu

2015 ◽  
Vol 2 (1) ◽  
Author(s):  
A. Jayakumar ◽  
R. Elavarasan
Keyword(s):  
Tamil Nadu ◽  
Personal Information ◽  
Primary Data ◽  
Tax Reforms ◽  
Chi Square ◽  
Chi Square Test ◽  
Convenience Sampling ◽  
The Impact ◽  
Level Of Agreement

This paper focuses on the impact of tax reforms among salaried assessees in Tamil Nadu. The aim of the paper is find out whether and how tax reforms affect the level of salaried assessees. Using convenience sampling method, the primary data was analysed with the help of descriptive statistics. Chi square test and Anova test were used to test if significant relationship exists between assessees' personal information and opinion level of tax allowances. The respondents were asked to indicate their level of agreement with a given statement on a likert five point scale. The results shows that, overall the assessees have negative opinion towards impact of tax reforms in India.

scholarly journals Determinant of Nokia's Users Loyalties (Case Study on Societies of Air Simpang Village, Ketahun Subdistrict, Bengkulu Utara)

ETIKONOMI ◽  
2016 ◽  
Vol 15 (1) ◽  
pp. 75-84
Author(s):  
Andi Azhar ◽  
Novilia Novilia
Keyword(s):  
Mobile Phone ◽  
Customer Loyalty ◽  
Regression Testing ◽  
Primary Data ◽  
Price Perception ◽  
Independent Variable ◽  
The Impact ◽  
Positive Effect

This study aimed to analyze the impact of the quality and price perception to the loyalty of Nokia mobile phone users in the Air Simpang Village. Ketahun Subdistrict, Bengkulu Utara. The primary data used in this study was obtained from a questionnaire distributed to 318 people who meet the criteria respondent sample. The results showed that the quality of the product has positive effect on customer loyalty, and price has a positive effect on customer loyalty. Based on regression testing, the independent variable that most influence on customer loyalty of mobile phone users in the Water Village Simpang is the price.DOI: 10.15408/etk.v15i1.2837 

scholarly journals PENGARUH KEBERADAAN TANGKAHAN TERHADAP PENDARATAN HASIL TANGKAPAN PELABUHAN PERIKANAN NUSANTARA SIBOLGA (Tangkahan Influence of Catch Landing in Sibolga Fishing Port)

2012 ◽  
Vol 3 (1) ◽  
pp. 23
Author(s):  
Sahat Maruli Simatupang ◽  
Ernani Lubis
Keyword(s):  
Negative Impact ◽  
Quality Measurement ◽  
Landing Site ◽  
Primary Data ◽  
Case Study Method ◽  
Quantitative Descriptive ◽  
June July ◽  
The Impact

<p>ABSTRACT<br />Fishing port which is an important infrastructure in the marine fisheries sector, need to be managed optimally so that its functions are fulfilled by existing provisions. However, in some areas, fishing ports function is hampered because many tangkahan are in around the location of the fishing port. This condition occurs as it does in the Territorial Fishing Port (PPN) of Sibolga and Belawan fishing port so the utilization is less than optimal. This study aims to determine the impact of tangkahan to the catch landing in Sibolga fishing port. The study was conducted in June-July 2009 in the five Tangkahan (UD Ilham, Sabena, Budi Jaya, Renta Sari, Sari Hope Sea) and Sibolga fishing port. This research was conducted by the case study method. The data are taken from primary and secondary. Primary data retrieved through observation and interviews with respondents: tangkahan owners, managers of Sibolga fishing port and fish quality measurement with organoleptic analysis. The analysis is done qualitatively and quantitative descriptive through the presentation of tables and graphs. The analysis showed that the presence of a negative impact on landed catch production in Sibolga fishing port. Production of Sibolga fishing port only 4.3 percent when compared with the production in tangkahan reaching 95.7 percent of total catch landed in the Teluk Tapian Nauli. Largest fishery business center is currently in many tangkahan not in Sibolga fishing port. The potential increase in the number of catches in Sibolga fishing port very large if all the ships could be transferred to this port. Comparison between the quality of the catch in Sibolga fishing port and tangkahan is very small (less than 1 scale) or the quality of the catch in both types of the landing site is almost the same.<br />Keywords: impact, Sibolga fishing port, tangkahan</p><p>------</p><p><br />ABSTRAK<br />Pelabuhan perikanan merupakan prasarana penting pada sektor perikanan laut. Namun di beberapa daerah, fungsi pelabuhan perikanan terhambat karena banyaknya tangkahan yang berada di sekitar lokasi pelabuhan perikanan. Kondisi ini terjadi seperti halnya di Pelabuhan Perikanan Nusantara (PPN) Sibolga dan PPN Belawan sehingga pemanfaatannya kurang optimal. Penelitian ini bertujuan untuk mengetahui dampak tangkahan terhadap pendaratan hasil tangkap-an di PPN Sibolga. Penelitian dilakukan pada bulan Juni-Juli 2009 di lima tangkahan (UD Ilham, Sabena, Budi Jaya, Renta Sari, Harapan Sari Laut) dan PPN Sibolga. Penelitian ini dilakukan dengan metode studi kasus. Data yang diambil adalah primer dan sekunder. Data primer diambil melalui pengamatan dan wawancara kepada responden pemilik tangkahan, pengelola PPN Sibolga serta pengukuran mutu ikan secara organoleptik. Analisis dilakukan secara deskriptif kualitatatif dan kuantitaif melalui penyajian tabel dan grafik. Hasil analisis menunjukkan bahwa keberadaan tangkahan berpengaruh negatif terhadap produksi ikan yang didaratkan di PPN Sibolga. Produksi PPN Sibolga hanya 4,3 % apabila dibandingkan dengan produksi di tangkahan-tangkahan yang mencapai 95,7 % dari jumlah ikan didaratkan di Teluk Tapian Nauli. Pusat bisnis perikanan terbesar saat ini berada di tangkahan-tangkahan bukan di PPN Sibolga. Potensi peningkatan jumlah hasil tangkapan di PPN Sibolga sangat besar jika semua kapal bisa dialihkan ke pelabuhan ini. Perbandingan mutu hasil tangkapan di PPN Sibolga dan di tangkahan sangat kecil (kurang dari skala 1) atau mutu hasil</p>

scholarly journals The Impact of Motivations on Employees Performance: Case Study from Palestinian Commercial Banks

2018 ◽  
Vol 11 (4) ◽  
pp. 142 ◽  
Author(s):  
Mohammed T. Abusharbeh ◽  
Hanan Hasan Nazzal
Keyword(s):  
Regression Analysis ◽  
Commercial Banks ◽  
Banking Industry ◽  
Pearson Correlation ◽  
Demographic Data ◽  
Social Incentives ◽  
Job Title ◽  
High Level ◽  
The Impact

Motivation aims to empower and liberalize people as enhance their entrepreneurial abilities to recognize the interactions between humans and their abilities to work. Thus, this paper is aimed to examine the impact of motivations on employee’s performance in Palestinian banking industry. The survey data was collected through distributing a questionnaire on employees that working in Palestinian commercial banks. Relied on Pearson correlation and multiple regression analysis, this paper reveals that moral motives are significantly and positively predicted employees performance. Moreover, the scholars find a high level of motivations provided to employees that working in Palestinian commercial banks. However, the material and social incentives are not predicted employees performance. On other side, the paper found that there are differences between the levels of motivation when it comes to the demographic data like qualifications, years of experiences, and job title. Finally, the study recommended that Palestinian banks needs to adapt and develop their motivation system in order to satisfy all employees’ moral needs.

scholarly journals Quality of the paratransit service (tricycle) and its operation in Aba, Nigeria: An analysis of customers' opinions

2012 ◽  
Vol 6 (1) ◽  
Author(s):  
Obioma R. Nwaogbe ◽  
C. C. Ibe ◽  
S. I. Ukaegbu
Keyword(s):  
Road Network ◽  
Hypothesis Test ◽  
Sampling Technique ◽  
Primary Data ◽  
Chi Square ◽  
Significant Difference ◽  
Service Distribution ◽  
High Level ◽  
Area Data

This study examines the quality of the paratransit service and its operations in Aba, Abia State, Nigeria, with a view to identifying its challenges and contributions to informal transport and equitable service distribution to the residents of Aba. Structured questionnaires and past literature were used as sources of data. The primary data included road networks, number of trips per day by operators, operating speed, and purpose of travel, passengers' security, tricycle speed, and waiting time. The study was conducted by using two questionnaires: one for the operators and the other for tricycle users. The total number of completed questionnaires for the survey was 100 for operators and 229 for users. The sampling technique used was random sampling from several zones of the study area. Data were analysed using percentage and Chi-square statistical techniques for testing the hypotheses with the Minitab 11.0 version package. The study found that 92% of operators reported a high level of road network deterioration, and 61% reported making 9-12 trips per day. The hypothesis test was used to study people's feelings about the attributes of the service provided for paratransit users, such as affordability, regularity, comfort and safety. It was found that there is no significant difference at the 5% level between the various categories of these respondents.

scholarly journals Incorporating landscape metrics into invertebrate fisheries management: case study of the gooseneck barnacle in Asturias (N. Spain)

2016 ◽  
Vol 73 (6) ◽  
pp. 1570-1578 ◽  
Author(s):  
Antonella Rivera ◽  
Stefan Gelcich ◽  
Lucía García-Flórez ◽  
José Luis Acuña
Keyword(s):  
Fisheries Management ◽  
Landscape Metrics ◽  
Spatial Scales ◽  
High Quality ◽  
Market Values ◽  
Gooseneck Barnacle ◽  
Management Case Study ◽  
The Impact

Abstract Landscape components can affect all the important biological processes of invertebrate populations, including their harvest quality, yet they are rarely considered in fisheries management frameworks. Here, we explore landscape, economic and ecologic variables to demonstrate that landscape metrics can be a valuable component in the management of sessile invertebrate fisheries. We developed a map-derived model that links landscape variables with the quality of a fishing resource, using five topographical variables—coastal convexity, orientation, complexity, exposure, and distance from the coast—all but the latter were tested at 23 different spatial scales. The model was ground-truthed using the case study of the gooseneck barnacle fishery in Asturias (N. Spain). Distance from the coast, coastal convexity on a scale of 25 km and exposure on a scale of 1 km appear to be driving the quality of the resource. Our model can predict high-quality gooseneck barnacle fishing zones with 72% accuracy. Moreover, we used a 10-year time-series of gooseneck barnacle landings and sales to analyse the impact of quality on the fishery. Fishers have a bias towards harvesting high-quality gooseneck barnacles, which are sold at higher market values. Thus, quality directly affects landings and sales. Our results highlight the interest of incorporating landscape metrics in fisheries management to generate and support spatially explicit conservation and exploitation policies.

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