Customer Relationship Management Dimensions and Nigerian Banks’ Performance: Evidence from Zenith Bank Plc

Today, customers are looking for benefits from the bank, better service, lower transaction fees, higher interest rates, a sign of prestige, new products access from different channels. This study evaluates the influence of CRM dimensions on bank performance. Zenith Bank Plc was selected through purposive method, while judgmental sampling technique was also used to select Head of Operation, Accountant, Auditor, and Branch Manager from its 35 branches in Lagos, Nigeria, totaling 140 respondents as a sample size for the study. Multiple regression analysis, Ordinary Least Square (OLS) method of estimation was employed to analyze the data. Results revealed that CRM dimensions (customer involvement, long-term relationship with customers, joint problem-solving and information sharing) jointly and independently influence bank performance measured by customer satisfaction, deposit mobilization and profit level. Subsequently, the study recommended that management of Nigerian banks should be actively involved in changes in organization in order to spread positive vision of CRM concept and to support organizational change.

Download Full-text

PENGARUH VARIABEL EKONOMI MAKRO TERHADAP PEMBIAYAAN PERBANKAN SYARIAH PERIODE 2010-2018

Jurnal Ekonomi dan Bisnis ◽

10.24123/jeb.v24i1.4737 ◽

2021 ◽

Vol 24 (1) ◽

pp. 9-15

Author(s):

Jie Novita

Keyword(s):

Empirical Study ◽

Interest Rates ◽

Least Square ◽

Quantitative Approach ◽

Islamic Banking ◽

Macroeconomic Variables ◽

Ordinary Least Square ◽

Bank Financing ◽

Independent Variable ◽

Repo Rate

The purpose of the research is to examine and analyze the effect of macroeconomic variables GDP and inflation on Islamic banking financing in Indonesian. Islamic bank financing is the dependent variable, whereas GDP, reference interest rates, and inflation are the independent variable. The data used is Islamic banking financing, GDP, reference interest rates, and inflation in Indonesian from 2010-1018. This empirical study uses a quantitative approach and method of OLS (Ordinary Least Square). The results of this research indicate that the GDP variable has positive and statistically significant effect on Islamic banking financing, the variable reference interest rates (BI Rate and BI Rate 7days Repo Rate) have negative and statistically significant effect on Islamic banking financing, the inflation variable has positive and statistically significant effect on Islamic banking financing.

Download Full-text

PENGARUH VARIABEL MAKROEKONOMI TERHADAP DANA PIHAK KETIGA BANK UMUM SYARIAH DI INDONESIA

Jurnal Muara Ilmu Ekonomi dan Bisnis ◽

10.24912/jmieb.v4i1.7299 ◽

2020 ◽

Vol 4 (1) ◽

pp. 164

Author(s):

Muhammad Dzulfaqori Jatnika

Keyword(s):

Interest Rates ◽

Commercial Banks ◽

Random Effect ◽

Random Effect Model ◽

Least Square ◽

Third Party ◽

Ordinary Least Square ◽

Effect Model ◽

Per Capita ◽

The Right

Tujuan penelitian ini adalah menganalisis pengaruh faktor makroekonomi yaitu nilai tukar, inflasi, suku bunga, dan GDP per kapita terhadap dana pihak ketiga di bank umum Syariah. Penelitian ini merupakan penelitian kuantitatif dengan data sekunder yang berupa data panel. Teknik analisis yang digunakan adalah metode analisis linier berganda Ordinary Least Square (OLS). Hasil uji Hausman menunjukan model yang tepat dalam penelitian ini adalah random effect model. Semua variabel signifikan, variabel inflasi dan nilai tukar memiliki pengaruh positif sedangkan variabel suku bunga dan GDP per kapita memiliki pengaruh yang negatif terhadap dana pihak ketiga di bank umum Syariah. Hasil penelitian ini memiliki implikasi bagi para pelaku usaha perbankan untuk menentukan waktu yang tepat dalam menarik dan menyalurkan dana pihak ketiga dari masyarakat. Dan dapat menjadi acuan untuk mengeluarkan kebijakan terkait bisnisnya. Dan bagi peneliti selanjutnya dapat menjadi acuan untuk mengembangkan kembali penelitian berikutnya. Pada penelitian selanjutnya diharapkan dapat menambah variabel-variabel terkait lainnya selain variabel yang telah diteliti dalam penelitian ini. Kebaruan dalam penelitian ini adalah tambahan variabel yang mempengaruhi dana pihak ketiga dan juga tambahan sampel bank umum Syariah sehingga diharapkan penelitian ini lebih mendalam daripada penelitian sebelumnya. The purpose of this study is to analyze the influence of macroeconomic factors, namely the exchange rate, inflation, interest rates, and GDP per capita on third party funds in Islamic commercial banks. This research is a quantitative study with secondary data in the form of panel data. The analysis technique used is the Ordinary Least Square (OLS) multiple linear analysis method. The Hausman test results showed the right model in this study was the random effect model. All variables are significant, inflation and exchange rates have a positive effect while interest rates and GDP per capita have a negative effect on third-party funds in Islamic commercial banks. The results of this study have implications for banking businesses to determine the right time in attracting and channelling third party funds from the public. And can be a reference for issuing policies related to business. And for further researchers can be a reference to develop further research. In the next research, it is expected to be able to add other related variables besides the variables that have been examined in this study. The novelty in this study is the addition of variables that affect third party funds and also additional samples of Islamic commercial banks so that this research is expected to be more in-depth than previous research.

Download Full-text

Determinants of Common Bean (Phaseolus Vulagris L.) Marketed Surplus Among Smallholder Farmers in Humbo and Damot Gale Woredas, Southern Ethiopia

Journal of Food Industry ◽

10.5296/jfi.v2i1.13898 ◽

2018 ◽

Vol 2 (1) ◽

pp. 20

Author(s):

Besufekad Belayneh ◽

Tewodros Tefera ◽

Thomas Lemma

Keyword(s):

Common Bean ◽

Smallholder Farmers ◽

Sampling Technique ◽

Simple Random Sampling ◽

Least Square ◽

Primary Data ◽

Southern Ethiopia ◽

Cross Sectional ◽

Ordinary Least Square ◽

Multi Stage

This research was aimed to study the common bean (Phaseolus vulagris L.) marketed surplus among smallholder farmers in the Humbo and Damot Gale Woredas. A multi-stage sampling technique was used in order to determine the sample respondents. By using simple random sampling technique four sample Kebeles were selected. Cross sectional data were collected from 182 farm households who produced common bean in 2016 production season. Primary data were collected from sample households using structured questionnaire. Descriptive statistics and econometric model were employed to analyze the data. To identify determinants of marketed surplus of common bean, Ordinary Least Square (OLS) model was employed. The study suggest interventions such as intensification strategies which increase yields through proper management and use of inputs, rural infrastructure improvement increases the likelihood of market orientation and marketed surplus of common bean.

Download Full-text

Treasury Single Account and the Performance of Banking Sector: A Study of Selected Deposit Money Banks in Oyo State, Nigeria

Asian Journal of Advanced Research and Reports ◽

10.9734/ajarr/2018/v2i429778 ◽

2019 ◽

pp. 1-8

Author(s):

Oyedele, Oloruntoba ◽

Oyewole, Olabode Michael ◽

G. T. Ayo-Oyebiyi

Keyword(s):

Economic Activity ◽

Banking Sector ◽

Banking System ◽

Sampling Technique ◽

Least Square Method ◽

Study Data ◽

Least Square ◽

Ordinary Least Square ◽

Data Collection Instrument ◽

Structured Questionnaire

The banking sector in any country plays a fundamental role in increasing the level of economic activity. However, the implementation of treasury single account has been devilled its performance. This study therefore investigates the implication of treasury single account on the performance of Nigerian Deposit Money Banks. Quantitative analysis was used in this research, with data collected by the researchers. Five banks (Zenith Bank, First Bank Plc, UBA, Access Bank and Guaranty Trust Bank) were selected through purposive method. Judgmental sampling technique was also used to select Head of Operation, Accountant and Branch Manager from 10 branches each of the selected bank in Oyo State, Nigeria, totaling 150 respondents as a sample size for the study. Data collection instrument used was a structured questionnaire and data analysis was performed with the aid of Ordinary Least Square method of estimation. Result shows that implementation of Treasury Single Account has significant relationship with closure of branches, withdrawal syndrome from the banking system, liquidity crisis and unemployment crisis in Deposit Money Banks. Subsequently, the study recommends that banks should focus on their core banking operations rather than feeding on government idle funds kept into various accounts by Government Ministries, Departments and Agencies (MDAs). Also, banks should sensitize people on the importance of baking culture instead of them keeping their money under their pillow, inside their farms and underground.

Download Full-text

PENGARUH INFLASI, SUKU BUNGA DAN NILAI TUKAR RUPIAH TERHADAP HARGA SSAHAM PERUSAHAAN SEKTOR PROPERTI DAN REAL ESTATE YANG TERCATAT DI BURSA EFEK INDONESIA

Manajemen Bisnis ◽

10.22219/jmb.v6i1.5392 ◽

2018 ◽

Vol 6 (1) ◽

Author(s):

Fitri Ramadani

Keyword(s):

Exchange Rate ◽

Data Analysis ◽

Interest Rates ◽

Stock Prices ◽

Stock Price ◽

Least Square ◽

Ordinary Least Square ◽

Analysis Techniques ◽

Negative Effect ◽

The Exchange Rate

Thepurpose of this research is to knowthe influence of inflation,interestrates, and the exchange rate of the rupiah against the stock price. This research wasconducted on 30 companies secto rproperty and real estatelisted onthe IndonesiastockexchangePeriod 2012 – 2014. Data analysis techniques used in research namely OLS (Ordinary Least Square)through the help of multiple software SPSS version 18.0. Research results indicate that simultaneous inflation, interest rates, the rupiah exchanger ateand effect on stock prices. Research partially indicate that inflation is not a negative and apositive effect against the stock price, while the negative effect of interest rates significantly to the stock price and the exchange rate of rupiah apositive significant effect against the stock price.

Download Full-text

The Factors Affecting Islamic Financing for Homeownership

Accounting and Finance ◽

10.33146/2307-9878-2021-3(93)-48-54 ◽

2021 ◽

pp. 48-54

Author(s):

Neva Sunba Dena ◽

◽

Suhel Suhel ◽

Imam Asngari ◽

◽

...

Keyword(s):

Household Income ◽

Negative Impact ◽

Least Square ◽

Islamic Banks ◽

Significant Positive Effect ◽

Short Term ◽

Ordinary Least Square ◽

Study Results ◽

Positive Effect

Indonesia has a significant and growing shortfall of housing. Existing supply is in poor condition and demand is rising for new units. Meanwhile, people's purchasing power to buy a house is still relatively low. Government overcomes added stock housing availability by collaborating with private developers to help meet the demand for housing needs. Islamic banks can provide funds to buy houses for the community. This study analyzes the effect of third-party fund (TPF), margin of homeownership financing (PPR), inflation, and household income on Islamic financing for homeownership. The analytical model used in this research is the ordinary least square with the Error Correction Model (ECM) method. The Ordinary Least Square (OLS) method in this study is used to see the relationship between the short-term and long-term effects of the independent variables on the dependent variable. The analytical tool used in this research is Econometric Views (EViews 10 Standard Edition for Windows). The study results show that in the short term, the TPF, PPR margin, inflation, and household income variables have a significant positive effect on homeownership financing in Islamic banks in Indonesia. The long term TPF, inflation, and household income variables have a significant positive effect on homeownership financing in Islamic banks in Indonesia, but the variable of PPR margin has a significant negative impact on sharia financing for homeownership.

Download Full-text

Determinan Suku Bunga dan Likuiditas Bank Terhadap Pertumbuhan Kredit di Indonesia

Jurnal Ecogen ◽

10.24036/jmpe.v3i2.8762 ◽

2020 ◽

Vol 3 (2) ◽

pp. 200

Author(s):

Yeniwati Yeniwati

Keyword(s):

Interest Rate ◽

Interest Rates ◽

Commercial Banks ◽

Secondary Data ◽

Least Square ◽

Bank Credit ◽

Credit Growth ◽

Ordinary Least Square ◽

Banking Community ◽

The Interest Rate

This study aims to determine the effect of the interest rate (BI rate) on bank credit growth in Indonesia, liquidity on bank credit growth in Indonesia and determine the effect of interest rates and liquidity on bank credit growth in Indonesia. The method used in this study is Ordinary Least Square (OLS) using secondary data from 2009 Quarter I to 2018 Quarter IV. The results of the analysis showed that there was an influence between interest rates on bank credit growth in Indonesia, there was an influence between liquidity on bank credit growth in Indonesia. Together there is an influence between interest rates and bank liquidity on the growth of bank credit in Indonesia. The policy implication of this research is that Bank Indonesia must maintain the benchmark interest rate set in order to trigger an increase in bank credit growth. In addition, Bank Indonesia must monitor the liquidity of commercial banks in Indonesia so that the trust of the banking community is even greaterKeywords : interest rate, Liquidity, Credit

Download Full-text

Does banking sector performance promote economic growth? Case study of Jordanian commercial banks

Problems and Perspectives in Management ◽

10.21511/ppm.15(2).2017.05 ◽

2017 ◽

Vol 15 (2) ◽

pp. 55-64 ◽

Cited By ~ 4

Author(s):

Ayman Mansour Khalaf Alkhazaleh

Keyword(s):

Economic Growth ◽

Commercial Banks ◽

Banking Sector ◽

Positive Association ◽

Political Stability ◽

Commercial Banking ◽

Least Square ◽

Bank Performance ◽

Significant Positive Association ◽

Ordinary Least Square

Spurred by the need to evade possible parameter bias associated with earlier works, this study intended to address the subject of whether performance of commercial banking contributes to economic growth. With the aim of answering this question, the present review concentrates on analyzing the association between profitability, deposit and credit facilities as proxy for performance of commercial banks while gross domestic product proxies economic growth. The population of the study is characterized by the Jordanian banking industry; the study enclosed a period of six years from 2010 to 2015 constructed on the annual report of thirteen chosen banks. Using Ordinary Least Square, the regression outcomes found a significant positive association between measures of bank performance and economic growth. Findings demonstrate that measures of bank performance in particular profitability deposits credits have positive relationship with economic growth as measured by GDP. The empirical results suggest that the policy creators should make arrangements to augment and prompt the banking sector in Jordan on account of its key significance in making and advancing development of the economy. It additionally can be inferred that not only commercial banking performance but also other movables such as political stability and technology may assume essential part in the economic prosperity in Jordan.

Download Full-text

DUKUNGAN PEMERINTAH DAERAH, OPTIMALISASI ASSET DAN PROFESIONALISME UNTUK MENINGKATKAN PENDAPATAN ASLI DAERAH (PAD)

Jurnal Riset Akuntansi Dan Bisnis Airlangga ◽

10.31093/jraba.v4i1.145 ◽

2019 ◽

Vol 4 (1) ◽

Author(s):

Komang Adi Kurniawan Saputra ◽

A.A Ketut Jayawarsa ◽

Putu Budi Anggiriawan

Keyword(s):

Local Government ◽

Linear Regression ◽

Asset Management ◽

Sampling Technique ◽

Least Square ◽

Government Support ◽

Theoretical Research ◽

Ordinary Least Square ◽

Factors Influencing ◽

The Village

The aim of this research is to examine the factors influencing the original income level of the villages by taking the research location in the villages managing the village fund in Buleleng-Bali Regency. Total number of 129 villages. The number of samples used in this study is equal to the number of population, The sampling technique in this study was total sampling. Meanwhile, to test the hypothesis using multiple linear regression with OLS model (Ordinary Least Square). The results obtained in this study indicate that Local Government Support, Optimalization of Village Asset Utilization and Professionalism of Village Asset Management have a significant effect on original income of the village. The contribution of this theoretical research is to contribute theoretical enrichment that underlies the increase of village original income and its practical contribution, this research can be one of reference for village apparatus, village counselor, and local government in making policy related to asset management or village property

Download Full-text

Effect of Capital Structure on the Profitability of Listed Insurance Firms in Nigeria

American International Journal of Economics and Finance Research ◽

10.46545/aijefr.v1i2.164 ◽

2019 ◽

pp. 36-45

Keyword(s):

Capital Structure ◽

Least Square ◽

Short Term ◽

Financial Reports ◽

Ordinary Least Square ◽

Least Square Regression ◽

Multiple Regression Technique ◽

Insurance Firms ◽

Ordinary Least Square Regression

This study examined the effect of capital structure on profitability of listed insurance firms in Nigeria for the period 2013-2017 The study used correlation research design. The source of data which were collected from the published annual financial reports of studies listed insurance firms in Nigeria. The population of the study comprised of the 28 listed insurance firms. The sample size was fifteen (15) listed insurance firms in Nigeria. The data collected were analyzed with the aid of OLS multiple regression technique. Using 75 firm-year paneled observations, the result of the ordinary least square regression showed that short-term debt has a negative and significant effect on the profitability of listed insurance firms in Nigeria. In addition, long-term debt has a positive and significant effect on profitability. Finally, premium growth has positively significant effect on profitability of listed insurance firms. Based on the findings, the study recommends that the management of listed insurance firms should strive towards having optimum capital structure by increasing their equity level and reducing dependence on debts so as to avoid being cash strapped and debt ridden.

Download Full-text