scholarly journals Strategies to Improve Financial Profitability in the Banking Industry

2021 ◽  
Vol 20 (1) ◽  
Author(s):  
Khalid Said ◽  
Yvonne Doll
Keyword(s):  
Financial Stability ◽  
The United States ◽  
Working Capital ◽  
Cash Conversion Cycle ◽  
Methodological Triangulation ◽  
Business Failures ◽  
Semistructured Interviews ◽  
Multiple Case ◽  
Stability Data ◽  
Business Profitability

More than 50% of business failures in the United States are because of leaders’ inability to manage working capital. This qualitative, multiple case study is grounded in the cash conversion cycle theory. The purpose is to explore the strategies bank leaders have used to improve working capital management in three banks in Kentucky to increase bank profitability and improve financial stability. Data were collected using semistructured interviews with three different banking leaders who have implemented successful working capital strategies. Using methodological triangulation and Yin’s five-step data analysis resulted: (a) risk and liquidity, (b) top-down approach, and (c) investment approach. The findings from this study include strategies for improving the use of working capital, leading to business profitability and increases in employment opportunities.

scholarly journals Impact of working capital management on business profitability: Evidence from the Polish dairy industry

2020 ◽  
Vol 66 (No. 6) ◽  
pp. 278-285
Author(s):  
Zbigniew Gołaś
Keyword(s):  
Regression Models ◽  
Information Service ◽  
Capital Management ◽  
Working Capital ◽  
Return On Assets ◽  
Working Capital Management ◽  
Cash Conversion Cycle ◽  
Beneficial Impact ◽  
Business Profitability ◽  
Causative Link

The main purpose of this paper was to examine the causative link between Working Capital Management (WCM) and Return On Assets (ROA) in milk processing companies. Days Sales of Inventory (DSI), Days Sales Outstanding (DSO), Days Payable Outstanding (DPO) and the Cash Conversion Cycle (CCC) were used as WCM metrics. The study was based on micro-data for Polish dairy companies from 2008–2017, retrieved from the Emerging Markets Information Service (EMIS) database. Based on panel regression models, it was demonstrated that extending the DSI and CCC had an adverse effect on ROA, whereas extending the DSO and DPO had a beneficial impact on ROA in dairy companies. Such relationships were mostly characteristic of SMEs which form the largest group of businesses in Poland.

scholarly journals Strategies for Enhancing Small Business Owners' Success Rates

2017 ◽  
Vol 16 (1) ◽  
Author(s):  
Susan Turner ◽  
Al Endres
Keyword(s):  
Small Business ◽  
Business Owners ◽  
Small Business Owners ◽  
Success Rates ◽  
Coffee Shop ◽  
Methodological Triangulation ◽  
Semistructured Interviews ◽  
Multiple Case ◽  
Business Site

Small-business owners represent 99.9% of all U.S. employer firms, employ 48% of the private sector employees, and provide 41.2% of the total U.S. private payroll. However, 50% of new small-business startups fail within the first 5 years of operation. The purpose of this multiple-case study was to explore strategies three small-business coffee shop owners in Duval County, Florida, used to succeed in business beyond 5 years. Three themes emerged from semistructured interviews and methodological triangulation via websites, social media, and site visits: (a) owner networking and designing the business site as a customer networking venue, (b) business plan effectiveness in identifying and addressing initial challenges and subsequent changes, and (c) achieving marketing differentiation.

Der Cash-Conversion-Cycle

Controlling ◽  
2019 ◽  
Vol 31 (4) ◽  
pp. 22-28
Author(s):  
Michael Währisch
Keyword(s):  
Working Capital ◽  
Cash Conversion Cycle

Kennzahlen werden eingesetzt, um Ziele zu messen und die Zielerreichung zu planen und nachzuhalten („What gets measured, gets managed“). Sofern die Kennzahlen aber nicht geeignet sind, das Ziel betriebswirtschaftlich zutreffend abzubilden, läuft das Management ins Leere. Der Beitrag untersucht, inwiefern der Cash-Conversion-Cycle als Kennzahl der Mittelbindung für das Working Capital Managements geeignet ist.

PENGARUH CASH CONVERSION CYCLE DAN WORKING CAPITAL TURNOVER TERHADAP RETURN ON ASSET PADA INDUSTRI BARANG KONSUMSI YANG TERDAFTAR DI BURSA EFEK INDONESIA

2015 ◽  
Vol 5 (2) ◽  
pp. 50
Author(s):  
Mohammad Herli ◽  
Hafidhah ,
Keyword(s):  
Consumer Goods ◽  
Stock Exchange ◽  
Quantitative Approach ◽  
Working Capital ◽  
Return On Assets ◽  
Cash Conversion Cycle ◽  
Consumer Goods Industry

This study aimed to examine the effect of the Cash Conversion Cycle and Working Capital Turnover on Return on Assets At the Consumer Goods Industry Listed in Indonesia Stock Exchange (IDX). The method used in this research is the quantitative approach. Results showed variable cash conversion cycle (CCC) and working capital turnover (WCT) simultaneously have a significant effect on profitability (Return on Total Assets). Variabel cash conversion cycle (CCC) partially not have a significant impact on profitability (Return on Total Assets) but variable working capital turnover (WCT) partially have a significant impact on profitability (Return on Total Assets) consumer goods industry issuers listed on the Indonesia Stock Exchange during the period 2010-2014. Keyword : Cash Conversion Cycle, Working Capital Turnover, Return on Assets

EVALUATION OF THE FINANCIAL STABILITY OF THE INSURANCE ORGANIZATION

2020 ◽  
pp. 68-78
Author(s):  
Oleg Georgievich Blazhevich
Keyword(s):  
Capital Structure ◽  
Financial Stability ◽  
Load Level ◽  
Joint Stock Company ◽  
Insurance Company ◽  
Working Capital ◽  
Stock Company ◽  
Ability To Pay ◽  
Essential Component ◽  
Equity Ratio

The article studies the financial stability of a particular insurance organization. The financial stability of the insurance company is an essential component of its activities and characterizes the ability to pay off its obligations on time and in full. The analysis of financial stability is defined as an independent object of evaluation, which explores the structure of the formation and use of capital. To assess the financial stability of the insurance company, a set of indicators was formed, including the following ratios: level of equity, ratio of equity to liabilities, ratio of insurance premiums and insurance reserves, ratio of working capital and non-current capital, level of permanent capital, ratio of equity and insurance reserves, level of debt load, level of insurance reserves. The insurance public joint-stock company RESO-Garantia was chosen as the object of analysis. The analysis showed that the capital structure in the insurance company under consideration is not optimal. The company has a shortage of insurance reserves, which is offset by equity.

scholarly journals Physical Activity Among Somali Men in Minnesota

2013 ◽  
Vol 8 (1) ◽  
pp. 35-44 ◽  
Author(s):  
Ahmed A. Mohamed ◽  
Abdullahi M. Hassan ◽  
Jennifer A. Weis ◽  
Irene G. Sia ◽  
Mark L. Wieland
Keyword(s):  
Physical Activity ◽  
United States ◽  
Community Based Participatory Research ◽  
The United States ◽  
Success Stories ◽  
Semistructured Interviews ◽  
High Knowledge ◽  
African Refugee ◽  
Competing Priorities ◽  
Exercise Equipment

Immigrants and refugees arrive to the United States healthier than the general population, but this advantage declines with increasing duration of residence. One factor contributing to this decline is suboptimal physical activity, but reasons for this are poorly understood. Persons from Somalia represent the largest African refugee population to the United States, yet little is known about perceptions of physical activity among Somali men. Somali members of a community-based participatory research partnership implemented three age-stratified focus groups and three semistructured interviews among 20 Somali men in Rochester, Minnesota. Team-based inductive analysis generated themes for barriers and facilitators to physical activity. Barriers to physical activity included less walking opportunities in the United States, embarrassment about exercise clothing and lack of familiarity with exercise equipment/modalities, fear of harassment, competing priorities, facility costs, transportation, and winter weather. Facilitators to physical activity included high knowledge about how to be active, success stories from others in their community as inspiration, and community cohesion. Findings may be used to derive interventions aimed to promote physical activity among Somali men in the United States.

Monetary and Exchange Rate Policies for International Financial Stability: A Proposal

1988 ◽  
Vol 2 (1) ◽  
pp. 83-103 ◽  
Author(s):  
Ronald I McKinnon
Keyword(s):  
Exchange Rate ◽  
Exchange Rates ◽  
Foreign Exchange ◽  
Purchasing Power Parity ◽  
Financial Stability ◽  
Foreign Exchange Market ◽  
The United States ◽  
Power Parity ◽  
Monetary Reform ◽  
Exchange Rate Fluctuations

What keeps the three major industrial blocs -- Western Europe, North America, and industrialized Asia -- from developing a common monetary standard to prevent exchange-rate fluctuations? One important reason is the differing theoretical perspectives of economic advisers. The first issue is whether or not a floating foreign exchange market -- where governments do not systematically target exchange rates -- is “efficient.” Many economists believe that exchange risk can be effectively hedged in forward markets so international monetary reform is unnecessary. Second, after a decade and a half of unremitting turbulence in the foreign exchange markets, economists cannot agree on “equilibrium” or desirable official targets for exchange rates if they were to be stabilized. The contending principles of purchasing power parity and of balanced trade yield very different estimates for the “correct” yen/dollar and mark/dollar exchange rates. Third, if the three major blocs can agree to fix nominal exchange rates within narrow bands, by what working rule should the new monetary standard be anchored to prevent worldwide inflation or deflation? After considering the magnitude of exchange-rate fluctuations since floating began in the early 1970s, I analyze these conceptual issues in the course of demonstrating how the central banks of Japan, the United States, and Germany (representing the continental European bloc) can establish fixed exchange rates and international monetary stability.

scholarly journals The Impact of Working Capital Management on Profitability: The Case of Small and Medium-Sized Export Companies in Tunisia

2011 ◽  
Vol 15 (3) ◽  
pp. 71-88 ◽  
Author(s):  
Meryem Bellouma
Keyword(s):  
Negative Relationship ◽  
Capital Management ◽  
Working Capital ◽  
Working Capital Management ◽  
Random Effects Models ◽  
Accounts Receivable ◽  
Cash Conversion Cycle ◽  
Fixed And Random Effects ◽  
Financial Decision ◽  
The Impact

Working capital is an important component in the financial decision of the company. An optimal working capital management is reached through a trade off between profitability and liquidity. This study aims to provide empirical evidence about the effects of working capital management on the profitability of 386 Tunisian export SMEs observed from 2001 to 2008. The results of fixed and random effects models show a negative relationship between corporate profitability and the different working capital components. This reveals that Tunisian export SMEs should shorten their cash conversion cycle by reducing the number of days of accounts receivable and inventories to increase their profitability.

Red for Ed Teacher Movements: Exploring Roles and Symbols in the Politics of the Superintendency

2021 ◽  
pp. 0013161X2110344
Author(s):  
Michael A. Szolowicz ◽  
R. Aaron Wisman
Keyword(s):  
Political Action ◽  
The United States ◽  
Instructional Leader ◽  
Political Strategy ◽  
New Wave ◽  
Symbolic Politics ◽  
Theoretical Frameworks ◽  
Semistructured Interviews ◽  
Embedded Case Study

Purpose: In recent years, a new wave of teacher-led political action has erupted resulting in work stoppages in several states across the United States. This study examines how superintendents navigated this Red for Ed movement in two representative states. Methods: Framed as a multisite, embedded case study, we drew from public documents and semistructured interviews with superintendents. We took a deductive approach to data analysis, seeking analytic generalization to the theoretical frameworks adopted herein. Findings: Red for Ed-motivated teacher job actions did create a political dilemma for superintendents. Superintendents addressed the dilemma by utilizing the roles of business manager, instructional leader, and politician as expressed through symbolic politics including assigning responsibility and vaguely supporting the Red for Ed cause. Superintendent responses are consistent with isomorphic tenants of sociological institutionalism. Implications: Considering the modern superintendency’s political nature, superintendents might benefit from preparation in political strategy and tactics.

scholarly journals Scholastics, Pabulum, Clans, Transformation: A Journey into Otherness

2017 ◽  
Vol 7 (3) ◽  
pp. 893-917
Author(s):  
David Lausch ◽  
Eric Teman ◽  
Cody Perry
Keyword(s):  
Higher Education ◽  
United States ◽  
United Kingdom ◽  
International Students ◽  
United Arab Emirates ◽  
Current Model ◽  
The United States ◽  
Business Economics ◽  
Semistructured Interviews ◽  
Medicine Education

International students’ identities are complex and so are their needs. Semistructured interviews with 13 of the lead researcher’s former students from Dubai, United Arab Emirates, who are multi-national, multi-lingual and pursuing degrees in law, business, economics, medicine, education, art and media, in the United States, United Kingdom and Australia elucidated this reality. Their experiences demonstrated scholastic and pabulum frustrations that were offset in part by constant communication with their clans in person and through various technologies. Though the current model of higher education often seeks to identify and categorize international students as a group, this study shows that international students are unique individuals. Recognizing their individuality, higher education institutions and policymakers can more appropriately respond to international students’ needs.

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