Factors Influencing Non-Performing Loans in Commercial Banks: The Case of Banks in Selangor

Non-performing loans (NPL) is a worldwide issue that affects financial markets stability in general and banking industry viability in particular. The net non-performing loan (NPL) ratio in the banking system since the Asian financial crisis has gradually been in decline from 13.6% in December 1998 to 2.8% in May 2008. Government intervention to non-performing loan recovery strategies have contributed significantly in the decline. The Malaysian government and banks have succeeded in removing the non-performing loans (NPL) from banks Balance Sheet. This study examines the factors influencing non-performing loans in commercial banks in Selangor. A quantitative research approach is employed in this research following the positivist assumption with a realist ontology and objectivist epistemology. Data was collected using a probabilistic sampling method, particularly a stratified random sampling technique. The adapted survey questionnaire employed in this study and distributed 150 questionnaires and successfully received 130 questionnaires. Overall, the researcher has discussed about the findings of the analysis that was conucted using the SPSS software. Descriptive approach, correlation and multiple regression analysiss had been shown during the analysis. The descriptive approach displayed direct results while the correlation displayed the relationship between the dependent variable (non-performing loan) and the independent variables (standard of living, consumer income, economy of the country, bank interest rate). In this research, found three factors that influencing non-performing loan in Malaysia which are consumers’ income, the economy of the country and bank interest rate. The bank will found that the bank interest rate affect the rate of non-performing loan increase. For the future researchers, this research will benefit them as well. If they are doing their researches which are related to this topic, they can gather everything they want easily. Besides that, it will benefit the researcher who is going to do this research study in Malaysia. This is because the information in Malaysia is limited.

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Factors Influencing the Adoption of Islamic Banking in Malaysia

International Journal of Business and Management ◽

10.5539/ijbm.v12n11p187 ◽

2017 ◽

Vol 12 (11) ◽

pp. 187

Author(s):

Paul Anthony Mariadas ◽

Uma Murthy

Keyword(s):

Consumer Satisfaction ◽

Quantitative Research ◽

Sampling Technique ◽

Islamic Banking ◽

Research Approach ◽

Probabilistic Sampling ◽

Factors Influencing ◽

Perception Management ◽

Descriptive Approach ◽

Conventional Banks

A nation’s economic success is largely dependent on the performance of their banks as they play a major role in regulating its financial sector to stability and cohesion by acting as an intermediary to various parties such as individuals, organizations and governments to conduct their borrowing and depositing activities. The quality of services provided by the banks will influence how these parties benefit and consumers would choose the bank that they perceive will result in the most benefit. In Malaysia, a larger percentage of the population are employing conventional banks compared to Islamic banks due to factors such as unfamiliarity of products and services and inadequate marketing. This study examine the factors influencing adoption of Islamic Banking in Selangor. A quantitative research approach is employed in this research following the positivist assumption with a realist ontology and objectivist epistemology. Data was collected using a probabilistic sampling method, particularly a stratified random sampling technique. The adapted survey questionnaire employed in this study and distributed 150 questionnaire and successfully received 130 questionnaire. Overall, the researcher has discussed about the findings of the analysis that was conucted using the SPSS software. Descriptive approach, correlation and multiple regression analysiss had been shown during the analysis. The descriptive approach displayed direct results while the correlation displayed the relationship between the dependent variable (adoption of Islamic Banking) and the independent variables (compatibility, consumer knowledge, risk perception/management and consumer satisfaction). In this research, found two factors that influencing adoption of Islamic Banking in Malaysia which are consumers knowledge and consumer satisfaction. For the future researchers, this research will benefit them as well. If they are doing their researches which are related to this topic, they can gather everything they want easily. Besides that, it will benefit the researcher who is going to do this research study in Malaysia. This is because the information in Malaysia is limited.

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Analysis of the Relationship between Credit Risk and Bank Performance of Some Commercial Banks in Ghana

International Journal of Business and Management Research ◽

10.37391/ijbmr.080202 ◽

2020 ◽

Vol 8 (2) ◽

pp. 34-51

Author(s):

Joseph Acquah ◽

Yusif Arthur ◽

Damianus Kofi Owusu

Keyword(s):

Credit Risk ◽

Commercial Bank ◽

Commercial Banks ◽

Quantitative Research ◽

Banking Sector ◽

Sampling Technique ◽

Capital Adequacy ◽

Research Approach ◽

Independent Entity ◽

The Relationship

This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.

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Factors influencing small, medium and micro-sized enterprises’ borrowing from banks: The case of the Botswana manufacturing sector

Acta Commercii ◽

10.4102/ac.v17i1.426 ◽

2017 ◽

Vol 17 (1) ◽

Cited By ~ 2

Author(s):

Wilbert R. Mutoko ◽

Stephen M. Kapunda

Keyword(s):

Commercial Banks ◽

Quantitative Research ◽

Banking Sector ◽

Positive Impact ◽

Manufacturing Sector ◽

Sampling Technique ◽

Bank Loans ◽

Factors Influencing ◽

Research Designs ◽

Negative Effect

The objective of the study: The main objective of this study is to determine the factors that influence manufacturing small, medium and micro-sized enterprises’ (SMMEs) borrowing from banks.Problem statement: This article examines factors that affect SMMEs’ ability to borrow money from commercial banks. Empirical evidence was collected from manufacturing SMMEs.Motivation for the study: There is a scarcity of studies on factors influencing borrowing among Botswana manufacturing SMMEs.Methodology: The study employed both qualitative and quantitative research designs. The random stratified sampling technique was used to draw a sample of 100 manufacturing SMMEs from a population of 329 registered manufacturing SMMEs in Botswana. Descriptive and inferential statistics were used to analyse the data. Furthermore, multivariate logistic regression estimation was used to obtain the main objective.Main findings: The empirical results showed that longevity in position and annual turnover have positive impact on getting access to bank loans, while marital status has a negative effect on access to bank loans.Practical implications: An understanding of factors influencing borrowing can increase chances of an SMME gaining financing from commercial banks, thus solving the challenge of access to finance.Contributions: The results are significant to SMMEs, policymakers, the banking sector and other researchers. Furthermore, this study increases literature on SMME challenges and financing logistics.

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The Behaviors of Generation Y Tourists from Asean Countries towards Malaysian Tourism Industry in Kuala Lumpur, Malaysia

International Journal of Business and Management ◽

10.5539/ijbm.v11n12p249 ◽

2016 ◽

Vol 11 (12) ◽

pp. 249

Author(s):

Uma Murthy ◽

Paul Anthony Mariadas ◽

Gopal Perumal

Keyword(s):

Exchange Rates ◽

Generation Y ◽

Quantitative Research ◽

Sampling Technique ◽

Tourism Industry ◽

Research Approach ◽

Kuala Lumpur ◽

Probabilistic Sampling ◽

Asean Countries ◽

Question Form

The focus of this study is based on the behaviors of generation Y tourists from ASEAN countries towards Malaysian tourism industry in Kuala Lumpur, Malaysia. A quantitative research approach is employed in this research following the positivist assumption with a realist ontology and objectivist epistemology. Data was collected using a probabilistic sampling method, particularly a stratified random sampling technique. The data and information were collected from 250 respondents who are students and workers from ASEAN nations through quantitative method-online questionnaires, and the assumptions were tested by analyzing the behaviors of the tourists through four proposed factors namely Income, Exchange rates, Security and Safety, and Prices to investigate the vulnerability of their behaviors by using SPSS program. The questionnaire comprises of two sections in which the first section focuses on respondents’ demographic profile, and second section concentrates on the behaviors of ASEAN generation Y tourists through a 5 likert scale- question form based on four independent variables, Income, Exchange rates, Security and Safety, and Prices and a dependent variable- behaviors of ASEAN generation Y tourists. Analysis the data using multiple regression analysis, correlation analysis, ANOVA and coefficient. The outcomes of this study show that the behaviors of ASEAN generation Y tourists vary remarkably owing to Security and Safety and Prices factors the most where income factor secondly influences the tourists’ behaviors. In spite, exchange rates factor is addressed to have no influence on tourists’ behaviors.

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PROGRAM BIMBINGAN UNTUK MENINGKATKAN MOTIVASI BELAJAR SISWA

Pedagogi Jurnal Ilmu Pendidikan ◽

10.24036/fip.100.v17i1.226.000-000 ◽

2017 ◽

Vol 17 (1) ◽

pp. 55

Author(s):

Ismaniar Ismaniar Ismaniar

Keyword(s):

Experimental Design ◽

Quantitative Research ◽

Sampling Technique ◽

Learning Motivation ◽

Control Group ◽

Research Approach ◽

Purposive Sampling ◽

Guidance Program ◽

Quasi Experimental ◽

11Th Grade

The present study is aimed at developing effective guidance program for increasing student’s learning motivation. The present study applies quantitative research approach with nonequivalent pre-posttest control group quasi-experimental design, and nonrandom-purposive sampling technique. The data were collected using inventory, interview, and documentary study. The study comes up with the main finding that the tested guidance program is proven to be effective for increasing learning motivation students of 11th grade at SMA Kartika XIX-2 Bandung.

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A Descriptive Study to Assess the Knowledge and Practice on Personal Protective Equipment among Student Nurses in a Selected College of Nursing, New Delhi

International Journal of Nursing & Midwifery Research ◽

10.24321/2455.9318.202028 ◽

2020 ◽

Vol 07 (04) ◽

pp. 8-12

Author(s):

Uzma Anjum ◽

Keyword(s):

Personal Protective Equipment ◽

Quantitative Research ◽

Good Practice ◽

Student Nurses ◽

Sampling Technique ◽

Protective Equipment ◽

Research Approach ◽

New Delhi ◽

Knowledge And Practice ◽

College Of Nursing

Personal Protective equipment is also called PPE. It is commonly worn by health care workers to prevent the transmission of infection. PPE includes helmets or caps, face shields, face masks, goggles, gowns, respirators, shoe covers or boots and gloves. These protective coverings will be effective when it is being used in an appropriate manner. The main objectives of this study were to assess the knowledge and practice on Personal Protective Equipment among student nurses. A Quantitative Research approach along with Descriptive Research design was used. A total of 110 student nurses were selected through Convenient Sampling Technique from DGNM 3rd Year, B.Sc. (Hons.) Nursing 2nd Year and B.Sc. (Hons.) Nursing 4th Year of Rufaida College of Nursing, Jamia Hamdard, New Delhi in the month of July-August 2020. Structured Questionnaire was used via an online platform (Google forms) due to Covid 19 lockdown to assess the knowledge and practice on PPE. Out of 110 samples, 66 (60%) had good knowledge, followed by 44 (40%) having average knowledge and none were having poor knowledge on PPE, whereas 67 (60.9%) had an average practice, followed by 41 (37.3%) having good practice and only 2 (1.8%) had poor practice on PPE. Findings suggest that there is a need for practice-based knowledge assessment in clinical areas and thus improvement in the practice of PPE while working in hospitals.

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Factors influencing Nigerians to invest in Sukuk for infrastructure development

Journal of Emerging Economies and Islamic Research ◽

10.24191/jeeir.v9i2.13212 ◽

2021 ◽

Vol 9 (2) ◽

pp. 57

Author(s):

Ibraheem Alani Abdulkareem ◽

Mohd Sadad Mahmud ◽

Ali Muqaddam Oyetunji

Keyword(s):

Significant Relationship ◽

Quantitative Research ◽

Behavioral Control ◽

Survey Method ◽

Research Approach ◽

Perceived Behavioral Control ◽

Infrastructure Development ◽

Infrastructural Development ◽

Factors Influencing ◽

Islamic Financial Institutions

This study investigates the factors influencing the intention to invest in Sukuk towards infrastructural development in Nigeria. The study used a quantitative research approach and obtained data through survey method and online questionnaires. Data were obtained in Abuja, the capital of Nigeria, from 163 investors and potential investors in Sukuk. The result revealed that attitude, subjective norms, perceived behavioral control, and religiosity have a positive significant relationship with intention to invest in Sukuk. In addition, the finding of the study revealed that the amount of information has a negative significant relationship with intention to invest in Sukuk. Therefore, the result of this study may help Sukuk issuers in identifying the factors that influence the intention to invest in Sukuk among the potential investors. This study contributes to the Islamic financial institutions by confirming the factors that may influence the intention of Nigerian to invest in Sukuk for infrastructural development.

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Student Well-being pada Remaja Jawa

Psikohumaniora Jurnal Penelitian Psikologi ◽

10.21580/pjpp.v2i1.979 ◽

2017 ◽

Vol 2 (1) ◽

pp. 1

Author(s):

Tri Na'imah ◽

Tukiran Tanireja

Keyword(s):

Social Relations ◽

Random Sampling ◽

Quantitative Research ◽

Social Cognitive ◽

Sampling Technique ◽

Well Being ◽

Research Approach ◽

The Social ◽

Interview Guide ◽

Cluster Random Sampling

Abstract: This study aims to describe the source of student well-being in Javanese adolescents. This research uses quantitative research approach and supported by qualitative. Research location in Banyumas with cluster random sampling technique. Instrument data collection using the scale of student well-being and open source questionaire student well-being and interview guide. Quantitative data analysis using descriptive. The results of the study are: 1) The sources of student well-being are the dimensions of social relations, cognitive, emotional and spiritual. 3) The inhibiting factor of achieving student well-being is if there are problems in the social, cognitive, emotional, physical and spiritual.Abstrak: Penelitian ini bertujuan untuk mendeskripsikan sumber student well-being pada remaja Jawa. Penelitian ini menggunakan pendekatan penelitian kuantitatif dan didukung dengan kualitatif. Lokasi penelitian di Banyumas dengan teknik cluster random sampling. Instrumen pengumpulan data menggunakan skala student well-being dan openquesioner sumber student well-being serta panduan wawancara. Analisis data kuantitatif menggunakan deskriptif. Hasil penelitian adalah: 1) Sumber-sumber student well-being adalah dimensi hubungan sosial, kognitif, emosi dan spiritual. 3) Faktor penghambat tercapainya student well-being adalah jika ada masalah dalam dimensi sosial, kognitif, emosi, fisik dan spiritual.

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Factors Influencing Online Shopping Among Residents in Lasanod Somalia

Al Hikmah International Journal of Islamic Studies and Human Sciences ◽

10.46722/hkmh.4.4.21c ◽

2021 ◽

Vol 4 (4) ◽

pp. 44-59

Author(s):

Mohamed Ali Abdinur

Keyword(s):

Firm Value ◽

Quantitative Research ◽

Online Shopping ◽

Sampling Technique ◽

Simple Random Sampling ◽

Shopping Behavior ◽

Research Approach ◽

Strong Positive Correlation ◽

Firm Reputation ◽

Factors Affecting

Due to the advancement of technology, many businesses moved from physical locations to online businesses where they do business online. The objective of this paper is to investigate the factors affecting online shopping behavior among residents of Lasanod Somalia. This paper used a quantitative research approach. Data were collected from residents of Lasanod Somalia through questionnaires. 160 questioners were collected from respondents who were selected using a simple random sampling technique. The results showed that factors such as trust, firm reputation, functionality, privacy, reliability, and firm value have an influence on consumers’ online buying behavior. The study found out there is a strong positive correlation between trust and firm reputation with an R-value of .612 and a significant level of .000 which is way below 0.01. This research focused on Lasanod city and cannot be generalized to the whole of Somalia. Furthermore, the sample size was not large.

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Assessment of the Factors Influencing and Barriers Associated with Menstrual Hygiene among Adolescent Girls of selected Urban Schools in view to Develop Information Booklet

International Journal of Nursing Education and Research ◽

10.52711/2454-2660.2021.00101 ◽

2021 ◽

pp. 441-444

Author(s):

Namrata B. Khandagale

Keyword(s):

Urban Schools ◽

Adolescent Girls ◽

Sampling Technique ◽

Pathological Process ◽

Observational Research ◽

Research Approach ◽

Public Places ◽

Menstrual Hygiene ◽

Information Booklet ◽

Factors Influencing

‘Assessment of the factors influencing and barriers associated with menstrual hygiene among adolescent girls of selected urban schools in view to develop information booklet.’ Objectives: 1. To assess the factors influencing Incidence of menstrual hygiene among the adolescent girls. 2. To assess the barriers associated with menstrual hygiene among adolescent girls. 3.To find association between the study findings and selected demographic variables. Material and Methods: The research approach adopted in this study is Observational research approach. Non- experimental descriptive research design was used. The sample were selected by Non-probability convenient sampling technique sample size was 100. Results: 1. 75% of the adolescent girls understand menstruation as the physiological process, 9% of them consider it as pathological process, 3% of them consider it as a cause for god and 13% of them don't know what menstruation is about. 2. 73% of the adolescent girls avoid visiting public places during menstruation due to lack of toilet facilities in public area, 14% of them avoid visiting public places because they feel shy to use public toilet and 13% of them avoid using public places due to cultural barriers.

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