Factors Affecting Individual Customers’ Online Savings Deposit Behaviours at Vietnamese Commercial Banks

The paperaims at detecting factors affecting individual customers' online savings deposit behaviours at Vietnamese commercial banks based on theoretical frame works such as the Theory of Planned Behavior (TPB), Technology Acceptance Model (TAM), and Theory of Perceived Risk (TPR). The survey was sent to the respondents via Google Forms and direct questionnaire. Based on response of 430 valid questionnaires were included in the analysis. Data were analyzed according to the process from testing reliability scale to factor analysis, correlation analysis, and regression analysis. The results showed that Perceived usefulness is the most influencing factor, followed by Brand reputation and Financial benefits. In which, Perceived risk has a negative influence on transacting behaviours. Accordingly, recommendations were proposed to enhance online saving deposit of individual clients at banks

Response of Deposit Money Banks to Monetary Policy Dynamics in Nigeria

This study examined how banks react to the monetary policies transmission mechanisms of the central bank of Nigeria. The data employed were collected from Nigerian Deposit Insurance Cooperation and Central Bank of Nigeria and subjected to various finametric techniques. The major findings are that cash reserve ratio negatively and significantly affects the performance of deposit money banks in Nigeria, while other monetary policy variables exert insignificantly to the performance of deposit money banks. It was also found that apart from banks own shock; banks respond negatively to shocks from major monetary policy instruments. It was observed that Monetary Policy Rate causes bank performance in both in the short run and long run. While, Cash Reserve Ratio, Liquidity Ratio and Saving Deposit Rate do not cause bank performance in the short run but in the long run. It was also found that monetary policy instruments jointly cause bank performance in the short and long run as opposed by individual instruments in Nigeria. The researchers therefore suggest among others that central bank of Nigeria reduce the cash reserve ratio to enable deposit money banks extend more loans to their potential customers, thereby enhance performance.

Rural Investor’s Behavior and Satisfaction Level of Financial Saving Schemes towards Post Office

Post office saving bank has been emerging with new pattern of schemes to attract every investors. It provides an opportunity and habit for the poor and rural surrounding people to invest in saving. The study starts with the primary objectives of investor’s level of satisfaction towards post office Financial Services. The study focused on the rural investor’s behavior with various investment avenues available in the post bank. The study identify that investors were overall satisfied with the post office financial saving schemes like post office saving deposit, Post office Recurring Deposit and Post office Monthly Income Scheme.

EVALUASI PRAKTEK PERBANKAN SYARIAH DI INDONESIA : INTEREST RATE FREE?

The aim of this study is to evaluate Islamic Banking practice truly interest rate free on determining funding and financing pricing. The object of this study are Islamic and Conventional Banking in Indonesia 2014-2018. Variables used in the study consists of equivalent rate (interest rate) of demand deposit, saving deposit, time deposit, working capital financing (loan) and financing (loan) in Islamic and Conventional Banking. VAR / VECM Modelling and Granger Causality Test applied on these 5 Models. The evidence shows that at that time there are only Model 2 and Model 5 were Granger Cause at one way in the short run. On the other hand, pricing on funding and financing product at islamic banking were determined by its time lag of pricing on funding and financing products at islamic and conventional banking , vice and versa. The shocks at the short run will be adjusted as its shocks response into long run equilibrium. It means the practicing Islamic banking in Indonesia is not truly interest rate free. Keywords : Pricing on funding and financing products, Islamic Banking, Conventional Banking, VAR/VECM Modelling, Granger Causality.

Liquidity and Capital of Islamic Banks in Indonesia

This study is aimed to analyzed the factors that affect the liquidity and capital of Islamic banks in Indonesia. The method is used multiple linear regression. This result shows that the main problem of Islamic banks in Indonesia is how to increase equity in line with increasing third party fund. Another problem is that Islamic bank face difficulties to find debt for solving liquidity problem due to lack of instruments for liquidity derivative. Therefore Islamic banks rely on third party funds, which are high cost of funds due to time deposit fund, rather than using current deposit and saving deposit fund. Another result, negative coefficient of Gross Domestic Product (GDP) to Quick Ratio (QR) indicate that if macroeconomics of Indonesia is stable and good environment, Islamic banks will expansive the market, meanwhile Islamic banks have now low level of liquidity buffer. This means Islamic banks face high level of risk, if core depositors withdraw money rushly it became defaultDOI: 10.15408/sjie.v6i1.4405

Analisis Portofolio Sumber Dana PT Bank X Sebagai Instrumen Optimalisasi Budgeting dan Pengambilan Strategi

The rising of credit expansion by PT Bank X has an implication to the high needs of fund. The fund source of PT Bank X derived from third party fund account and transfer fund among offices. Every funding source has advantages, disadvantages and cost which must be examined because it can affect the bank’s income. The purposes of this research are: (1) to identify the funding structure of PT Bank X, (2) to analyze the effect of every funding source to the PT Bank X, and (3) to analyze how the portfolio funding structure can be used to the budgeting process and strategy formulation. The funding source of PT Bank X consists of third party fund account and transfer fund among offices. In 2005-2007 period, transfer fund among offices gave the biggest contribution in the funding source portfolio. The demand deposit gave the biggest impact in the income. Saving deposit also gave the positive affect and significant. The cost of saving deposit is quite low. Although demand deposit and saving deposit are included as the unstable fund in the asset portfolio of PT Bank X, the potential and the growth level which are very high can help PT Bank X to provide fund with low cost. Interest from the use of transfer fund among offices is quite big that give the negative impact to the income.

THE EFFECT OF FUNDING AND RISK ON FINANCING DECISION Empirical Study of Islamic Banks in Indonesia

The purpose of this study was to analyze the effect of funding decisions and risk to financing decisions on Islamic banking in Indonesia. Funding decisions consists of variable wadia demand deposits (GWD), mudaraba saving deposit (TAB), and mudaraba time deposits (DEP). Risk is proxied by capital risk (CAR), liquidity risk (RR and FDR), and financing risk (NPF). While the financing decisions consists of murabaha financing, mudaraba financing, and Musharaka financing. Samples were taken from all Islamic banks operating in Indonesia by 11 Islamic banks, and quarterly data using multiple regression analysis. The results showed that DEP and TAB significant and positive impact on all of financing, while GWD significant and positive impact on murabahafinancing is however negatively affect to mudaraba and musharaka financing. CAR and RR a significant and negative effect on all of financing. NPF non significant effect on all financing decisions, while FDR significant and negative effect on mudaraba and musharaka financing, but no significant effect on murabaha financing

PENGARUH PENDAPATAN BAGI HASIL MUDHARABAH, MUSYARAKAH DAN MURABAHAH TERHADAP BAGI HASIL TABUNGAN (STUDI PADA KSU BMT TAMAN SURGA JAKARTA)

This study aims to see whether the effect mudharabah and musyarakah income share, and also murabahah margin income at mudhabahah saving deposit product at BMT Taman Surga Jakarta. The method analysis that used in this study is linier regression, with each variabel tested both concurrently (simultaneously) or separately (partial). The result from this study is there is an positive and significat effect of mudharabah revenue sharing, musyarakah revenue sharing, and murabahah margin whether simultaneously and partial to mudharabah saving deposit share. BMT is expected to increase revenue for the results to further attract customers.DOI: 10.15408/etk.v13i1.1879

Evaluating the Banking Sector Recapitalization for Economic Growth in Nigeria

The purpose of this chapter is to assess the contribution of the banking sector’s recapitalization to economic growth. Secondary data of all banks in Nigeria for 1980-2006 from Central Bank of Nigeria were used for the study. The findings of the study revealed higher mean GDP (N86.229 trillion) at post-recapitalization era compared to pre-recapitalization era (N56.860 trillion). Furthermore, 37% and 25% growth in GDP were recorded at post- and pre-recapitalization era, respectively. Selected indicators (bank credit, asset, saving deposit, and total loan) were all higher in the post recapitalization era. The result of t-test showed that there was a significant difference in GDP at pre and post recapitalization era at 5% significance level holding inflation constant. Bank asset had significant effect on GDP in the post-recapitalization era. Bank performance indicators could not fully account for growth and development in Nigeria’s economy though growth was recorded. Under subsequent initiatives, bank asset and total loan increased massively, while bank credit and saving deposits were stepped up via credit and savings incentives provisions for greater impact on growth in Nigeria.