scholarly journals Cost-Benefit Implications in the Emerging Electronic Banking Space in Nigerian Financial Sector

2021 ◽  
Vol 8 (1) ◽  
pp. 1
Author(s):  
Hyginus I. Ihenetu ◽  
Augustine A. Anaele
Keyword(s):  
Unit Root Test ◽  
Cost Benefit ◽  
Financial Sector ◽  
Electronic Banking ◽  
The People ◽  
Auto Regressive ◽  
The Cost ◽  
Sample Method ◽  
Purposive Sample ◽  
Sector Data

The paper evaluated the cost-benefit implications in the emerging electronic banking space in Nigerian financial sector. Data were collected from CBN statistical bulletin and NDIC annual report. Twenty one (21) banks operating in Nigeria constitutes the population of the study and sample size of twelve (14) years was selected through purposive sample method. Auto-Regressive Distributive Lag (ARDL) was used to analyze the data after stationarizing it through Augumented Dicky Fuller (ADF) unit root test. The findings show that ATM, POS and MB have no significant effect while WIT has negative significant on banks’ profit. The findings further reveal that the combination of these variables has positive and significant effect on banks’ profit. We therefore recommend that banks should fully utilize the benefits provided through electronic banking by ensuring that more ATM terminals are provided in order to reduce crowd. Professionals that can constantly put the machine in order should be emlpoyed and there should be constant money in the machine to enable the banks make more profits and serve the people better at all times. POS should be made available to the users and at a reduced cost without hidden charges to enable people of different categories have access to them. This will help to generate revenue to the banks and reduce their cost of transaction etc.

scholarly journals Enhancing Entrepreneurship Opportunities through Millet Based Value Added Products to Farm Women of Nagarkurnool District

2020 ◽  
pp. 293-299
Author(s):  
Afifa Jahan ◽  
R. Arunjyothi ◽  
A. Shankar ◽  
M. Jagan Mohan Reddy ◽  
T. Prabhakar Reddy ◽  
...  
Keyword(s):  
Value Added ◽  
Cost Benefit ◽  
Farm Women ◽  
Daily Consumption ◽  
Health Consciousness ◽  
The People ◽  
Consumption Frequency ◽  
Cost Benefit Ratio ◽  
The Cost ◽  
Value Added Products

Millets are known as one of the most important cereal grains as it is good source of phytochemicals and micronutrients. Millets are consumed by more than 1/3rd of the world’s population. It is the 6th cereal crop in terms of world’s agricultural production. Present study was carried out in Nagarkurnool district of southern Telangana zone and sample size is n=30 farm women from economically low background cultivating millets were selected purposively. Nutritional education, skill development programs and awareness camps were organized to encourage for starting value added millet based enterprise for livelihood instead of selling raw produce which fetch low profits. The result of present study has shown that Millet value based products has enhanced the enterprise opportunities as the increase in health consciousness of the people. In the present study the cost benefit ratio has increase gradually with the each year 1:1.46 in the year 2018, 1:1.92 in the year 2019 and 1:2.5 in the year 2020. The consumption frequency of millet based value added products has also increased from 66% of sample daily consumption to 92% of daily consumption. As traditional roties (Indian flat bread) were not accepted by young age and unable to chew and swallow by old age. Millet based value added products were highly accepted, increased the consumption frequency and increased the income of farm women.

scholarly journals Generosity Maxim in Leech's Theory in Pshdar Area: Socio-Pragmatic Perspective

2021 ◽  
Vol 8 (2) ◽  
pp. 81-102
Author(s):  
Ibrahim Mahmood Ibrahim ◽  
Salam Nawkhosh Bakir
Keyword(s):  
Data Collection ◽  
Speech Acts ◽  
Quantitative Method ◽  
Cost Benefit ◽  
Specific Area ◽  
Educational Background ◽  
The People ◽  
And Gender ◽  
The Cost

This paper is entitled ‘’Generosity Maxim in Leech's Theory in Pshdar Area: Socio-Pragmatic Perspective, which aims at showing generosity among individuals including showing generosity in this specific area for the purpose of finding out its roots people, because generosity maxim is minimizing self to others, and indicating such  factors as religion, education , non-education, and gender affect the utterance. The principles of politeness which have been recognized by Leech are the Maxim of Tact, the Maxim of Generosity, the Maxim of Modesty, the Maxim of approbation, the Maxim of Agreement, and the Maxim of Sympathy. It is important to bear in mind that this theory focuses on individual face, there are various face threatening acts, for instance the threat can be assumed to the hearer or to the speaker.    This paper conducts a survey of Pshdaryan district through using a questionnaire as a quantitative method for the purpose of data collection. The participants of this study are the people of Pshdar area who are 162 participants from different classes, genders, educational background, age, and occupation.    The result of the study showed that generosity is the main reason behind using both direct and indirect offers and invitations. Besides, it showed that the cost-benefit scale can explain the politeness utterance raised in performing these speech acts Finally, it is recommended that other politeness principle maxims are tested in Kurdish culture to know the level of the maxims practically.

scholarly journals The Value of Reduced Risk of Injury and Deaths in Pakistan—Using Actual and Perceived Risk Estimates

2010 ◽  
Vol 49 (4II) ◽  
pp. 823-837 ◽  
Author(s):  
Muhammad Rafiq ◽  
Mir Kalan Shah
Keyword(s):  
Willingness To Pay ◽  
Perceived Risk ◽  
Cost Benefit Analysis ◽  
Cost Benefit ◽  
Compensating Wage Differentials ◽  
Safety Measures ◽  
Statistical Life ◽  
The People ◽  
Trade Offs ◽  
The Cost

Different safety measures adopted by governments across the globe require the estimates of willingness to pay of the people to swap wealth for a reduction in the probability of death and injury. The approximation of these trade-offs are employed in assessing the cost-benefit analysis of environmental issues, public safety measures on highways and roads, medical treatments, and many other areas. Economists term a trade-off between money and fatality risks as the Value of a Statistical Life (VSL). The Value of Statistical Life and Limb is generally predicted using one of the three main approaches. The first is by the compensating wage differentials that workers must be paid to take riskier jobs [Viscusi and Aldy (2003)]. The second approach examines other behaviours where people weigh costs against risks [Blomquist (2004)] and the third is through contingent valuation surveys where respondents report their willingness to pay (WTP) to obtain a specified reduction in mortality risks. The VSL is then obtained by dividing the WTP by the risk reduction being valued [Alberini (2005)].

scholarly journals The Performance of the Iranian Red Crescent by Launching Testing Centers for the Coronavirus Disease

2020 ◽  
pp. 1-2 ◽  
Author(s):  
Hamed Seddighi
Keyword(s):  
Skin Temperature ◽  
Cost Benefit ◽  
Future Research ◽  
The People ◽  
The Cost ◽  
At Home

ABSTRACT The coronavirus disease (COVID-19) screening project has been conducted by the Red Crescent Society for 17 days with the aim of identifying and treating people with COVID-19, reducing road trips, and sensitizing people to the problem. Due to the shortage of testing devices, passengers were screened by measuring skin temperature. In 851 screening posts, 95 371 volunteers of Red Crescent monitored 21 640 866 people. Besides screening people, the stations have had other functions, including urging people to stay at home, restricting road trips, especially during the Iranian New Year holidays, reassuring the people that all relevant organizations are doing their best to respond to COVID-19, and the like. However, future research is still needed to analyze the cost-benefit of this plan and other possible options.

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.

The Evolutionary Psychology of Scientific Publishing: Cost-Benefit Optimization of Players in the Game

2019 ◽  
Author(s):  
Milind Watve
Keyword(s):  
Peer Review ◽  
Current System ◽  
Critical Mass ◽  
Cost Benefit ◽  
Active Role ◽  
Scientific Publishing ◽  
Collective Goal ◽  
The Cost ◽  
Collective Goals ◽  
Innate Tendency

Peer reviewed scientific publishing is critical for communicating important findings, interpretations and theories in any branch of science. While the value of peer review is rarely doubted, much concern is being raised about the possible biases in the process. I argue here that most of the biases originate in the evolved innate tendency of every player to optimize one’s own cost benefits. Different players in the scientific publishing game have different cost-benefit optima. There are multiple conflicts between individual optima and collective goals. An analysis of the cost-benefit optima of every player in the scientific publishing game shows how and why biases originate. In the current system of publishing, by optimization considerations, the probability of publishing a ‘bad’ manuscript is relatively small but the probability of rejecting a ‘good’ manuscript is very high. By continuing with the current publishing structure, the global distribution of the scientific community would be increasingly clustered. Publication biases by gender, ethnicity, reputation, conformation and conformity will be increasingly common and revolutionary concepts increasingly difficult to publish. Ultimately, I explore the possibility of designing a peer review publishing system in which the conflicts between individual optimization and collective goal can be minimized. In such a system, if everyone behaves with maximum selfishness, biases would be minimized and the progress towards the collective goal would be faster and smoother. Changing towards such a system might prove difficult unless a critical mass of authors take an active role to revolutionize scientific publishing.

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.

The Mismatch between Expectations and Realities of AS4 Audits: A Post-Implementation Research Analysis

2017 ◽  
Vol 37 (1) ◽  
pp. 1-19 ◽  
Author(s):  
Sanaz Aghazadeh ◽  
Marietta Peytcheva
Keyword(s):  
Implementation Research ◽  
Risk Premium ◽  
Cost Benefit ◽  
Multiple Methods ◽  
Material Weakness ◽  
Key Stakeholders ◽  
Auditing Standards ◽  
Equilibrium Market ◽  
The Cost ◽  
Research Analysis

SUMMARY We conduct a post-implementation research analysis of AS4, a standard guiding voluntary audits of material weakness (MW) remediation disclosures, to understand the reasons for the scarcity of AS4 audits in practice. We use multiple methods (experiments, comment letter analysis, and surveys) to understand the perspectives of key stakeholders. We find that regulators' expectations of the use of the standard did not come to fruition because an equilibrium market for active use of the standard could not be achieved; that managers desire to engage in AS4 audits for the riskier MWs but do not expect the associated costs to be high; and that auditors are reluctant to audit riskier MWs and would charge a considerable risk premium. Finally, we find that investors value AS4 audits, especially for riskier MWs, and find value in an AS4 audit for those risky MWs beyond that of the year-end audit. The overall findings of our study indicate that a mismatch in the cost-benefit functions of the key stakeholders led to a lack of AS4 audits. Our findings are important given the high costs associated with auditing standards development and approval.

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