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Journal articles on the topic 'Banking location factors'
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Sucháček, Jan, Jolana Skaličková, and Jan Široký. "Managerial decision-making on the location of banking headquarters in the Czech Republic." GeoScape 11, no. 2 (December 1, 2017): 76–83. http://dx.doi.org/10.1515/geosc-2017-0006.
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AbstractLocation decision-making constitutes one of pivotal tasks for banking managements, which applies to both banking headquarters and affiliates. The main objective of this article consists in analysis and interpretation of location factors that stay behind location-decision making of banking managements and subsequent collocation of banking head offices in the Czech Republic. In doing so, cluster analysis was utilised appropriately and it turned out, initial 18 location factors can be decreased to final three mutually similar groups, which satisfactorily embody location criteria banking managements take into account. As it has been proven banking landscape in the Czech Republic is still influenced by traditional hard factors of location, nonetheless their soft counterparts should be increasingly considered.
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M. Ganesan and Dr. K. Prabhakar Rajkumar. "Measuring the Rural Customers’ Attitude: Knowledge and Influencing Factors of Internet Banking Usages." GIS Business 15, no. 2 (February 9, 2020): 31–45. http://dx.doi.org/10.26643/gis.v15i2.18896.
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Internet banking refers the systems that enable the customers to access their accounts and general information on bank products and service through the use of a bank’s website, without the intervention or inconvenience of sending letter, faxes original signatures. Internet banking as an “internet portal, through which customers can use different kinds of banking service ranging from bill payment to making investment”. Thus internet banking is the use of internet by bank customers for transacting their banking transactions. In other words, it is the use of internet by banks to deliver banking transaction. In other words, it is the use of internet by banks to deliver banking services to customers irrespective of their geographical location.
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Kilonzo, Eric Muendo, Jared Ariemba, and Joash Migosi. "Factors Influencing the use of Agency Banking by Bank Customers in Makueni Sub-Country." International Journal of Finance & Banking Studies (2147-4486) 6, no. 4 (February 14, 2018): 28. http://dx.doi.org/10.20525/ijfbs.v6i4.823.
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<p><em>This study focused on the factors influencing the use of agency banking by the residents of Makueni Sub-County, Kenya. The researcher was guided by four objectives; firstly, to determine the influence of agent characteristics on the use of agency banking by the residents of Makueni Sub-County, secondly, to determine the influence of the banking products offered by bank agents on the use of agency banking by the residents of Makueni Sub-County, thirdly, t</em><em>o establish the influence of agents’ operating hours on the use of agency banking by the residents of Makueni Sub-County and fourthly, to determine the influence of the banks’ location on the use of agency banking by the residents of Makueni Sub-County. </em><em> The study used descriptive survey design and the target population was 276 bank customers in Makueni Sub-County. The respondents were selected using stratified and convenience sampling. Data was collected 255 respondents using questionnaires. Data analysis was done using both descriptive and inferential statistics with the help of statistical package for social scientists (SPSS). Qualitative data was analyzed thematically according to the study objectives. The findings of the study revealed that there was a strong positive correlation and a significant relationship between the agency characteristics and use of agency banking, agency banking products and use of agency banking, operating hours and use of agency banking and location of mainstream bank and the use of agency banking. The multiple regression analysis results showed that the banking products had a significant prediction of the use of agency banking by the residents of Makueni Sub-County. This study recommends that diversification of the products and services provided by the banking agencies in the study area as well as further research in the area to find out other factors influencing the use of agency banking.</em></p>
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Githae, Lilian, James Gatauwa, and Felix Mwambia. "Factors Affecting Uptake of Agency Banking Services Among Customers in Rural Kenya: A Case of Narok County." European Scientific Journal, ESJ 14, no. 16 (June 30, 2018): 224. http://dx.doi.org/10.19044/esj.2018.v14n16p224.
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The objective of this study was to analyze factors affecting uptake of agency banking services among customers in rural Kenya. Specifically, the study sought; to examine the effect of fraud on uptake of agency banking services among customers in Kenya; to determine the extent to which skills of agents affect uptake of agency banking services among customers in Kenya; To establish the effect of location on uptake of agency banking services among customers in Kenya and to find out how confidentiality affect agency banking services uptake among rural customers in Kenya. A multivariate regression model was applied to determine the relative importance of each of the four variables. The findings indicated that bank agent skills, location and confidentiality were found to be statistically significant in explaining uptake of agency banking services. Banks should create awareness to the public that the bank agent’s premises adheres to standard security measures and should also hire security services from security firms to transport cash to and from the agents where necessary. Banks should also train the agency banking agents on how to detect fake money and fraud. The study revealed that agents’ skills affected uptake of agency banking services by rural community in Narok County. The study recommends banks to offer training to agents before they start providing specific services on behalf of the banks to improve their customer handling skills and increase the uptake of the agency banking services.
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Karim, Kasnaeny, and Ibrahim Dani. "Customers' Switching Barrier on Switching Behavior from Conventional Banks to Sharia Banks." Hasanuddin Economics and Business Review 4, no. 2 (October 22, 2020): 44. http://dx.doi.org/10.26487/hebr.v4i2.2397.
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This study aims to explore the reasons why conventional bank customers have not yet shifted to Islamic (sharia) banking in South Sulawesi, as well as identify the obstacles that have caused customers to remain conventional banks. The research subjects numbered 110 people. The research method uses Mixed Methods with sequential exploratory design. The first stage is a qualitative method to obtain data that is variable because the community has not yet switched to sharia banking. The second stage of the quantitative method is using Factor Analysis, to deepen the data and test the data so that the findings can be generalized. Data were collected by open and closed questionnaires and interviews, validity and reliability tests were carried out based on the analysis model used. The results of the analysis show that the factors that constrain people to move to Sharia banking are Fee Interest Factor, Information Factor, Location Factor, Relationship and Reputation Factor, Religiosity Factors, Product Factor, and Financial Risk Cost Factor. There are four findings of new factors as novelty of this study, namely Fee Interest Factors, Location Factors, Religiousity Factors, and Product Factors, as barriers to switch for the service industry, especially Sharia banking.
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Herdinata, Christian. "Credit Policy Planning in Medium Scale Business." Mediterranean Journal of Social Sciences 8, no. 1 (January 26, 2017): 14–19. http://dx.doi.org/10.5901/mjss.2017.v8n1p14.
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Abstract In dealing with the factors affecting credit policy, a management should consider external and internal information before creating a policy. Internal factors include the structure and the amount of available bank assets and liabilities, and the type, state, and composition of available banking facilities and personnels. Meanwhile, external factors include the atmosphere of the business world in general and banking sector in particular, bank location, and others. The factors that need to be considered in credit policy cannot be separated from the problems that exist in banking activities. Since the factors affecting credit policy act as a guideline which influences credit management, it is important to analyze these factors. This research maps out some important factors in credit management and recommends certain practical steps that can be taken in credit management.
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Wu, Wen-Tsung, Chie-Bein Chen, and Chiao-Chen Chang. "Applying the Analytic Hierarchy Process Decision Analysis to Better Understand Adoption Intentions of Mobile Banking." Business and Economic Research 6, no. 1 (June 16, 2016): 431. http://dx.doi.org/10.5296/ber.v6i1.9621.
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<p class="ber"><span lang="EN-GB">The purpose of this study was to examine the influencing factors of the adoption intention of mobile banking from a bank perspective. The survey data were conducted from a selection of mobile banking, and were analyzed by the analytic hierarchy process (AHP) decision analysis to explore adoption intentions in the context of mobile banking. The results of the AHP decision analysis revealed that the “convenience” and the “personalization” were the most important factors for mobile banking from a bank’s perspective. Furthermore, the research findings illustrated theoretical and practical implications for mobile banking development and indicated how to reinforce the “location-based benefits” and the “transaction speed” in order to create customer adoption intentions via a bank perspective.</span></p>
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Nigh, Douglas, Kang Rae Cho, and Suresh Krishnan. "The Role of Location-Related Factors in U.S. Banking Involvement Abroad: An Empirical Examination." Journal of International Business Studies 17, no. 3 (September 1986): 59–72. http://dx.doi.org/10.1057/palgrave.jibs.8490804.
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Gunther, Irina Nikolaevna, and Svetlana Yurievna Shirokaya. "THE ECONOMIC CRISIS IN RUSSIA: WHY BANKS ARE DEPRIVED OF LICENSES." Chronos 6, no. 3(53) (March 13, 2021): 71–73. http://dx.doi.org/10.52013/2658-7556-53-3-14.
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The banking sector is very sensitive to changes in the field of both the world economy and the economy of our country. At any time, the banking sector is exposed to different types of risks, depending on many factors: a decrease in the economic activity of citizens, a slowdown in the growth of the country’s economy, the geographical location of the facility, various types of services offered, etc.
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Hindun, Roro, and Izzul Fatchu Reza. "Understanding Indonesian People Borrowing Money from Banks and Non-Banking Institutions." Shirkah: Journal of Economics and Business 1, no. 3 (December 31, 2016): 285. http://dx.doi.org/10.22515/shirkah.v1i3.51.
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People’s borrowing behaviours are influenced by the need to fulfil their basic needs which always change in maintaining their lifestyles. This thesis analyzes the tendency of Indonesians to borrowing money, either from banks or non-banking institutions. This research was carried out using quantitative data analysis with secondary data from the Indonesian Family Life Survey panel data versions 3 and 4. The data was analyzed using STATA 12.0 software. The results of the study show that the significant factors that affect people’s behaviour in borrowing from either banks or non-banking institutions are amount of debt, assets, income, and location; while the insignificant factors are age, religion, and number of householders. Keywords: money borrowing, borrowing behaviour, debt, IFLS, STATA
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SARDIANA, ANNA. "ANALISIS PENGETAHUAN DAN KRITERIA PEMILIHAN BANK SYARIAH." Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan 4, no. 2 (December 20, 2019): 159. http://dx.doi.org/10.15548/al-masraf.v4i2.265.
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This study aims to analyze the selection criteria considered by students in choosing a Sharia bank; know the level of student knowledge of Islamic banking products; and analyzing consumer attitudes towards Islamic banks. The research subjects were students who used the services of Islamic banks or those who did not use Islamic banks in Jakarta. Data analysis methods are statistical descriptive and factor analysis. The analysis concluded that there were six factors that were considered by students in choosing a Sharia bank, including: perception and process, physical condition, price, human resources, relationships and location factors. Consumer perception is the most influential factor on consumer decisions in choosing a Sharia bank. In general, the majority of respondents have limited knowledge about Islamic banking. Religion is not the main reason for students to choose a Sharia bank. Students consider Sharia bank service friendliness more than other factors
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Khan, Yadgar Hama. "A Short Review of the Electronic Banking System." Regional and Business Studies 10, no. 1 (July 5, 2019): 13–37. http://dx.doi.org/10.33568/rbs.2333.
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The necessity of E-Banking services with the new generation’s lifestyle today is reached at different levels of technology innovations. This paper aims at directing and contributing to E-Banking by exploring and analyzing the current situation of commencement on E-Banking and its acceptance confidently. This paper presents an intensive summary review of a doctorate research by the author about E-Banking acceptance in the Kurdistan Region of Iraq in which 38 studies among 110 published papers were selected on E-Banking between 2002-2016. The studies seek to draw reliable conclusions from their data to identify the influenced factors on the acceptance and adopting of E-Banking system. To analyze the capacity and results of these studies, an analysis was conducted on the most influenced factors, powerful acceptance theories employed in these studies, thesample unit, respondent size and the location of the investigation. The results showed that the factors of security, perceived ease of use and trust had the higher frequencies among the others. The most used model in these studies was TAM model with a great satisfaction results by the researchers and bank institutions. The respondents of these studies were between 44 and 3000 and the major sample unit is bank customers and the majority of studies were from Iran, which are 13 studies. It was found that other theories (UTAUT and UTAUT 2) were less attractive to researchers in their studies. Therefore, the most results are based on the outcomes of TAM models. However, there are limitations of the outcomes by this study for reviewing limited papers, someshortcomings in constructing the links between the E-Banking channels with the influenced factors and there is supremacy of the higher frequency of using TAM on the results. Further works are recommended to study security, perceived ease, and trust using (UTAUT and UTAUT 2) in the countries with large population strata.
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Khalil, Fareeha, and Muhammad Farhan . "Slow Infusion of Information Technology in Master Bank of Pakistan – A Case Study." Information Management and Business Review 5, no. 1 (January 30, 2013): 37–57. http://dx.doi.org/10.22610/imbr.v5i1.1026.
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E-Banking is now a well know phenomenon in the industry and amongst the banking users in Pakistan. This paper addresses the issues encountered and lessons derived by largest Pakistani bank while developing its e-banking capabilities. The paper explores some burning issues hindering key decisions of shifting to e-banking, e-banking delivery channel choice, enticing customers, and managing e-channel conflict to be made by bank. The findings indicated that the obstacles related to e banking customer location, customer satisfaction and the Bank’s software’s and communication infrastructure capabilities are influential factors in motivating the decision for shifting to a high-tech bank. The bank's E-channel choice is influenced by competence of application and software technologies that the bank acquires and the nature of diffusion of information and communications among its stakeholders. Technological development in Banking practices and awareness in customers due to presence of foreign and domestic banks in Pakistani financial market influenced the Master Bank to switch over to complete automated banking system. The sophistication of ebanking services and the further rapid improvement appears to influence strategies to entice E-channel conflict issues. The paper concludes by suggesting the Bank to optimally utilize its resources by deploying efficient applications and software’s and third party alliances and partnerships required to offer customized technology enabled banking services and develop appropriate e-banking risk mitigation strategies that bring the bank into a win-win position.
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Katircioglu, S., S. Fethi, D. Unlucan, and I. Dalci. "Bank selection factors in the banking industry: An empirical investigation from potential customers in Northern Cyprus." Acta Oeconomica 61, no. 1 (March 1, 2011): 77–89. http://dx.doi.org/10.1556/aoecon.61.2011.1.5.
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This study investigates the bank selection criteria of undergraduate students who are future potential customers of banks from different regions of the world in a small island economy by comparing the selection factors of international students for the first time. Survey results of 258 respondents show that there are not huge differences in the bank selection factors between Turkish and non-Turkish international students in the case of a state university in North Cyprus. “Availability and convenient location of ATM services” and “speed and quality of service” are the most important factors for considering banks and their services for both Turkish and non-Turkish undergraduate students.
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Masocha, Reginald, and Tafadzwa Matiza. "The Role of E-Banking on the Switching Behaviour of Retail Clients of Commercial Banks in Polokwane, South Africa." Journal of Economics and Behavioral Studies 9, no. 3(J) (July 20, 2017): 192–201. http://dx.doi.org/10.22610/jebs.v9i3(j).1758.
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This study focused on investigating the role of E-banking on the switching behaviour of retail bank clients in Polokwane, South Africa. Recently, studies have shown that people are switching banks more often than in the past. Circumstances that are beyond control cause people to switch. This has become a challenge in the banking industry as many banks lose their clients. However, newly developed technologies have brought many changes in the operation of banks. The new E-banking services have enabled bank clients to have access to their bank account for 24 hours without visiting the physical branch. A sample of 98 respondents was surveyed in Polokwane, South Africa using the convenience sampling technique. The cronbach alpha test was used to ascertain reliability of the findings. The findings reveal that demographic characteristics have much impact on the switching behaviour of commercial bank clients and acceptance of e-banking services. Switching factors such as bank charges, low interest rates on savings, promotion activities, location and switching costs were the major reasons for bank customers to switch banks.
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Masocha, Reginald, and Tafadzwa Matiza. "The Role of E-Banking on the Switching Behaviour of Retail Clients of Commercial Banks in Polokwane, South Africa." Journal of Economics and Behavioral Studies 9, no. 3 (July 20, 2017): 192. http://dx.doi.org/10.22610/jebs.v9i3.1758.
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This study focused on investigating the role of E-banking on the switching behaviour of retail bank clients in Polokwane, South Africa. Recently, studies have shown that people are switching banks more often than in the past. Circumstances that are beyond control cause people to switch. This has become a challenge in the banking industry as many banks lose their clients. However, newly developed technologies have brought many changes in the operation of banks. The new E-banking services have enabled bank clients to have access to their bank account for 24 hours without visiting the physical branch. A sample of 98 respondents was surveyed in Polokwane, South Africa using the convenience sampling technique. The cronbach alpha test was used to ascertain reliability of the findings. The findings reveal that demographic characteristics have much impact on the switching behaviour of commercial bank clients and acceptance of e-banking services. Switching factors such as bank charges, low interest rates on savings, promotion activities, location and switching costs were the major reasons for bank customers to switch banks.
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Sanil, Siddartha, and Phadindra Kumar Paudel. "Determinants of bank selection among working people in Kathmandu Valley." International Research Journal of Management Science 2 (December 4, 2017): 118–34. http://dx.doi.org/10.3126/irjms.v2i0.28050.
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The major objective of the study is to know the determinant of bank selection among working people in Kathmandu Valley. The study has explored seven factors which are core service delivery, external and internal aesthetics of bank, convenience, financial benefit, technology, recommendation by peers and staff. The study developed the questionnaire considering these seven factors and to confirm the reliability, questionnaire was distributed to 10 people which revealed questionnaire was fairly reliable for research administration. Arithmetic Mean, ANOVA and correlation analysis are basis for statistical analysis. The study finds that convenience significantly impacts the banking decisions among working people in Kathmandu Valley which includes item like convenient location, close to home, adequate number of location, security, convenience, reputation of organization and proximity. Bank should focus more on items like accurate account information and pleasant bank atmosphere. Working people are more sensitive in cost rather than benefit and they are more sensitive to interest rate in fixed deposit to saving in banking decision. Correlation analysis in study asserts that recommendation by peers is weekly correlated with other factor which research found that banks need to improve in faster service, queue management, front desk employee, ATM and mobile service and information sharing.
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Amendola, Alessandra, Alfonso Pellecchia, and Luca Sensini. "Factors Driving the Credit Card Ownership in Italy." International Business Research 9, no. 6 (April 18, 2016): 131. http://dx.doi.org/10.5539/ibr.v9n6p131.
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<p>The aim of this paper is to explore the main determinants of credit card ownership by analyzing the variables that may affect the decision to hold a credit card. Using the 2012 Survey on Household Income and Wealth provided by the Bank of Italy as main source, we estimated count data models in order to identify the socio-economic, demographic and territorial variables affecting the credit card accounts held by households. Our estimates give evidence of the significance of the considered factors. In particular, we find that geographical location is an important determinant of families behavior in line with the socio-economic gap between the North and the South of Italy. Other relevant variables acting on the number of credit cards held are age, income, municipality size, gender, education and marital status. The reached results are interesting in depicting the main characteristics of cardholders and in helping the implementation of a segment-specific marketing program in the banking services industry.</p>
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Singh, Ranjit, Sankharaj Roy, and Bhartrihari Pandiya. "Antecedents of Financial Inclusion: Evidence from Tripura, India." Indian Journal of Finance and Banking 4, no. 2 (September 3, 2020): 79–92. http://dx.doi.org/10.46281/ijfb.v4i2.745.
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The present research assesses the determinants of financial inclusion of members of Self Help Groups (SHGs). The research work is done with primary data collection from around 380 members who are beneficiaries of 95 SHGs in Tripura, India. After performing factor analysis, six major factors named Physical Infrastructure, Financial Awareness, IT Infrastructure, Suitability of Financial Products, Ease of Banking and Economic Status of members of SHGs were identified as major factors that play a pivotal role in bringing financial inclusion of the members of SHG. In these 6 factors, some other factors were also added such as age, income, education, landholding, the regularity of income, earning members count, gender, caste, location, religion, etc. Fitting ordinal logistic regression model, it was found that, the important factors that have an impact on financial inclusion on the members of the SHGs are financial awareness, ease of banking and economic status of the members, the relevance of financial products, physical infrastructure, monthly income, landholding, education, age and their status with respect to the BPL category. The decision-makers in power should collaborate with financial institutions should consider and apply this finding during the disbursement of loans.
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Goker, Nazli, and Mehtap Dursun. "MCDM Approach for Locating Automatic Teller Machines: An Application in Turkish Banking Sector." WSEAS TRANSACTIONS ON COMPUTERS 20 (April 15, 2021): 10–16. http://dx.doi.org/10.37394/23205.2021.20.2.
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Although there is an increase in the use of alternative channels through which the service offered by bank ATMs (Automated Teller Machine) can be met due to technological developments, branching remains important for banks in terms of increasing the loyalty of existing customers to the bank, acquiring new customers and maintaining communication with all customers. The location to be determined for ATM placement may vary depending on many factors. In this study, a simple and easily usable method is presented to find the most suitable location for bank branches. The purpose of this study report is to compare the solutions of the case analysis with PROMETHEE II method used in the selected article and the other method which is ELECTRE II. PROMETHEE II method was solved by the authors of the selected article, ELECTRE method by the authors of this report. The case study was conducted with data from the decision maker in a transformer manufacturing organization in India. Methods give different results for 3 identified sustainable concepts (S1, S2, S3).
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Iswadi, Iswadi. "PENGARUH BI RATE, INFLASI, KURS, DAN PDB RIIL TERHADAP DANA PIHAK KETIGA (DPK) SERTA DAMPAKNYA TERHADAP PEMBIAYAAN BERDASARKAN PRINSIP BAGI HASIL PADA PERBANKAN SYARIAH DI INDONESIA PERIODE 2009-2014." Studia Economica : Jurnal Ekonomi Islam 1, no. 2 (July 2, 2015): 37. http://dx.doi.org/10.30821/se.v1i2.240.
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<p>Financial institutions, especially banking institutions have a strategic role for driving the economy of country. To give financing, the bank must obtain the fund in order to give the financing. There are two factors that affect the bank's ability to obtain funds from the public, namely internal and external factors. Internal factors that affecting in obtaining third-party funds are; bank products, interest rate policy, quality of service, the atmosphere of the office, location of offices, and the reputation of the office. While external factors, such as economic conditions, the activity and the condition of the government, the condition of money market, capital markets, government policies and regulations of Bank Indonesia.</p>
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Chan, Leslie Soon-Lim. "Best Practice of Selecting Strategic International Agency Banking." Nang Yan Business Journal 3, no. 1 (December 1, 2014): 17–27. http://dx.doi.org/10.1515/nybj-2015-0002.
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Abstract International agency or correspondent banking (corbanking) is cross border bank to bank businesses that agent banks act on behalf of principals. Despite drastic changing banking environment, corbanking remains from doing business by mainly fee based, packaging reciprocal products and services, and so on. Corbanking is therefore identified as an alternative to serve clients worldwide in a strategic low cost way. Best practice to identify for entering corbanking relationships and selecting their correspondents are the themes of this paper, which are useful for financial institutions to make strategic and operational decisions for their expansion. Eighteen determinant factors to establish corbanking relationships and nineteen selection criteria of correspondents were identified through literature reviews, case studies, and exploratory surveys. Empirical surveys were conducted on 43 sample banks in Australia, which were further categorized in ten bank groups. Analytical methods included descriptive statistics and stepwise least square regression with case studies. The findings were: the most significant factor for financial institutions to enter correspondent banking systems was the bank size and a lower ranking factor was location not physically present, whereas there was different consensus for different bank groups about the selection criteria for agents overseas.
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Purmiyati, Atik, Madeline Berma, Basri Abdul Talib, and Marta Sabila Rakhima. "The Role of Banking Capital in Industrial Sector Micro Enterprises for Poverty Alleviation: A Study in East Java, Indonesia." Foundations of Management 11, no. 1 (January 1, 2019): 131–42. http://dx.doi.org/10.2478/fman-2019-0011.
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Abstract This study examines the micro enterprises of industrial sectors that receive Kredit Usaha Rakyat (People’s Business Credit/KUR) or Commercial Credit (KK) in seven cities in East Java. Firstly, this study aims to measure the technical efficiency of micro enterprises in the industrial sector in East Java that accept KUR and KK using the Data Envelopment Analysis method; secondly, to examine the factors that influence the technical efficiency of micro enterprises, which receive KUR and KK with Tobit Regression. Unlike others’ researches, this paper attempts to determine the influence of technical efficiency and other factors on the poverty status of micro entrepreneurs using logistic regression. The average technical efficiencies of KUR and KK recipient micro businesses using the assumptions of the DEA VRS model are 0.94 and 0.77. While the average technical efficiencies of KUR and KK recipient micro businesses using the assumptions of the DEA CRS model are 0.88 and 0.71. The factors that influence the technical efficiency of micro enterprises recipients of KUR and KK are profit, experience, geographical location, amount of credit, KUR access, the credit realization period, and dummy variable of food and beverage products. The factors that influence the poverty status of micro-entrepreneurs are technical efficiency, income, KUR access, gender, number of household member, and geographical location. The results of this research can be a material consideration for the government in formulating policies.
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Lam, Terence Y. M., and Malvern Tipping. "A case study of the investment yields of high street banks." Journal of Property Investment & Finance 34, no. 5 (August 1, 2016): 521–34. http://dx.doi.org/10.1108/jpif-03-2016-0019.
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Purpose – Sale-and-leaseback has become an increasingly common approach during the last two decades in the investment of high street banks (banking-halls) in the UK. One measure commonly used in making property investment decisions is the all risks yield (ARY) which is associated with the level of rental income. Investors and their advisors need to know which factors are likely to result in the highest ARY when assembling investment portfolios of such properties. The purpose of this paper is to identify those yield influences. Design/methodology/approach – A qualitative multiple-case study was adopted. A literature review generated a hypothesis which was tested by a qualitative study, based upon semi-structured interviews and a questionnaire, to establish the influencing factors. Expert interviews were held with the heads of those three major auction-houses dealing with auctions of all retail bank premises in the Great Britain market, whilst the questionnaire survey involved investment professionals from within the auction-houses. Findings – The study confirmed that the four factors influencing yields and investors’ decision-making when purchasing retail banking premises were tenant banking company (brand names), regional location (north and south super-regions), lot size (hammer price), and tenure (freehold or leasehold). Research limitations/implications – This investigation focuses on Great Britain’s geographical and political area which includes England, Scotland and Wales, but excludes Northern Ireland. This research focuses on banking-halls as a sub-class of retail property investment. The findings form a baseline upon which further research can be conducted on other sub-types of retail property such as high street shops and retail parks. The results will also underpin the development of a quantitative yield predictive model based on regression analysis. Practical implications – To maximize the returns on property investments, investors and their professional advisors can use those factors having the greatest influence on yields to make informed investment decisions for the building of property portfolios. Originality/value – As a sub-sector, bank premises do not necessarily correlate to the generic retail sector. This research consolidates the broad systematic drivers of retail yields into specific factors influencing the ARY of banking-halls. The findings provide better understanding of an active but sparsely analysed sub-market of banking hall investments, and by so-doing help investors to maximize their investment returns.
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van Loon, Eric, and Jakob de Haan. "Location of banks and their credit ratings." Journal of Risk Finance 16, no. 3 (May 18, 2015): 220–32. http://dx.doi.org/10.1108/jrf-11-2014-0161.
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Purpose – This paper aims to examine whether credit ratings of banks are related to their location, i.e. inside or outside the Euro Area. Design/methodology/approach – The authors estimate a multilevel ordered probit model for banks’ credit ratings in 2011 and control for bank-specific factors. They use the overall ratings and the external support ratings provided by Fitch as the dependent variable. Findings – Banks located in Euro Area member countries, on average, receive a higher credit rating from Fitch than banks located outside the Euro Area. Evidence for a “too-big-to-fail” and a “too-big-to-rescue” effect was also found. Research limitations/implications – The monetary union effect on banks’ credit ratings may be affected by the period under investigation. The ratings refer to August 2011, when the European sovereign debt crisis was at its height. This implies that, if anything, the Economic and Monetary Union (EMU) effect is underestimated. Practical implications – Large banks in the Euro Area receive higher credit ratings, so they have a competitive advantage over small banks located outside the Euro Area. Social implications – The present evidence suggests that small European countries with an extensive banking sector will be better off if they are member of the European EMU. Originality/value – The relationship between location of banks and their credit ratings has hardly been researched before. The present evidence is directly related to a debate in the literature on this issue.
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Lazarides, Themistokles. "Performance of European banks: Crisis, corporate governance and convergence." Corporate Governance and Sustainability Review 1, no. 2 (2017): 43–49. http://dx.doi.org/10.22495/cgsrv1i2p6.
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Financial performance as a phenomenon in the European banking sector is an issue of a wide debate. The paper is seeking to detect the variables that have an impact on performance. Ratios and stratification variables are used in panel data regressions and the time period of the study is from 2004 to 2013. The results show that performance (ROAA) is dependent on four categories of ratios (Asset quality, Capital ratios/risk and solvency ratios, Operations ratios, Liquidity ratios). Corporate governance system and the geographic location (political and macroeconomic factors) of the bank seem to effect significantly the factors that have an impact on performance.
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Chepkwony, Kenneth, Hillary Bett, and Kenneth Waluse Sibiko. "Determinants of Table Banking Loan Utilization among Micro Agri-Enterprises Owners in Bomet County, Kenya." International Journal of Current Aspects 3, no. II (May 15, 2019): 145–58. http://dx.doi.org/10.35942/ijcab.v3iii.12.
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Micro Agri-enterprises (MAEs) play a key role in economic development of Kenya. However, without finance they need to invest, their performance is stifled. Table banking (TB) strategy is an avenue through which MAE owners pool finances together, access credit and business development services. The study objective was to determine factors influencing utilization of table banking loans among MAE owners participating in table banking in Bomet County. Multi-stage sampling technique was used to select a sample of 382 MAE owners who borrowed long-term loans between 2015 and 2016 from TB groups promoted by Joyful women organization (JoyWO). Semi-structured questionnaires were used to collect primary data. Utilization of TB loans was measured by the amount of TB loan invested in MAE to the total amount of loan borrowed from TB within the study period. Two-limit Tobit model was used to analyse data. Entrepreneurship training received from TB program officers was found to have a positive and significant influence on utilization of TB loans. Location of agri-enterprise, agri-enterprise age and size were other factors found to influence utilization of TB loans positively and significantly. However, gender of MAE owners was found to have a negative and significant influence on utilization of TB loans. To boost utilization of table banking loans among MAE owners, table banking programme officers should tailor entrepreneurship and agribusiness trainings to meet the specific needs required by MAEs owners operating at different stages in the agricultural value chain.
This is an open-access article published and distributed under the terms and conditions of the Creative Commons Attribution 4.0 International License of United States unless otherwise stated. Access, citation and distribution of this article is allowed with full recognition of the authors and the source.
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Razuli, Muhammad, Sugiarto Sugiarto, and Taufiq Saidi. "FAKTOR-FAKTOR KEPUTUSAN PENDUDUK MASUK DALAM PEMILIHAN LOKASI PERUMAHAN DI KOTA BANDA ACEH." Jurnal Arsip Rekayasa Sipil dan Perencanaan 3, no. 1 (April 17, 2020): 378–86. http://dx.doi.org/10.24815/jarsp.v3i1.16450.
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The housing complex in Banda Aceh City has been built up and spread to the suburbs. The condition of one housing with another housing is different. Each consumer has its own consideration in determining the housing location, type of house built, facilities provided, and the price and manner of ownership of the house. This study aims to identify consumer decision factors in choosing housing locations, and identify dominant consumer decision factors in choosing housing locations in Banda Aceh City. Respondents in this study were residents entering the city of Banda Aceh. The number of samples in this study was set at 150 people. The sampling technique used was proportionate stratified random sampling, which is the determination of samples in proportionally non-homogeneous and stratified populations. The factors evaluated are accessibility factors, completeness of infrastructure and facilities, facilities, environmental conditions, prices and services, and buildings. Data processing used validity test, and reliability test, while data analysis used descriptive analysis and factor analysis of Principle Component Analysis (PCA). The results showed that factors that became consumer decisions in choosing housing locations were accessibility and service factors, infrastructure and facilities, facilities and home ownership, environmental conditions, price and design, road conditions, and price conformity factors. The dominant consumer decision factor in choosing housing locations is accessibility and service factors with a variance of 24.798%. Indicators of accessibility and service factors are proximity to the workplace, proximity to the main road, proximity to the city center, proximity to trade facilities, proximity to educational facilities, proximity to banking service facilities, proximity to government offices, proximity to recreational/entertainment places, proximity to sports venues, proximity to terminals, ease of reaching locations without significant obstacles, prices according to facilities and infrastructure offered, speed of developers receiving complaints, DP fees and ease of DP payments, discounts, and gift bonuses.
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Pandya, Jigar V., and Vikram M. Patel. "Evaluating Critical Factors Impacting Real Estate Development Decisions." Real Estate Management and Valuation 28, no. 1 (March 1, 2020): 112–26. http://dx.doi.org/10.1515/remav-2020-0010.
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AbstractWe find that critical factors affecting real estate project decisions can vary while market changes in the city of Ahmedabad have led to the majority of landmark buildings facing obsolesce, redevelopment and spatial redundancy. Case studies can assist in data collection in the cultural context and accommodate indirect observations of the variables analyzed in the early stages of research (Teegavarapu & Summers, 2008; Rowley, 2002). Decisions have led to capital losses for some, while bringing about profitable opportunities for developers who take timely risks.We also find that the land pooling technique used by the State in city development has successfully promoted land banking for public purpose but has also contributed to speculative land price appreciation. AHP rankings show that the surveyed practicing developers prioritized location factors such as neighborhood character and availability of land above land use zones and land auctions. Among project factors, FAR (Floor Area Ratio), abutting road width and road frontage of the land ranked higher compared to building design. In the professional practice category, the availability of finance, the timing of project announcement and past project experience of the developers ranked higher compared to brand value and speculation.
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Turkoglu, Derya Celik, and Mujde Erol Genevois. "An Analytical Approach for Evaluation of ATM Deployment Problem Criteria." International Journal of Information Technology & Decision Making 16, no. 05 (September 2017): 1247–78. http://dx.doi.org/10.1142/s0219622017500249.
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Automated Teller Machines (ATMs) are one of the most important key touch-points to reach the customers. The investment in ATMs and the impact on the banking industry is growing steadily. Therefore, in order to increase the profitability, banks seek to make their investments in the right places for ATMs. Banks have to take into consideration many factors such as traffic flow, competition, cost and safety in order to determine the optimum locations of ATMs. This paper proposes a decision support system that determines the importance value of ATM deployment decision criteria which can be used to decide the best ATM locations afterwards. Fuzzy Analytic Network Process (FANP) methodology is preferred to evaluate the importance levels of deployment criteria and Chang’s extent analysis is employed for eliminating the vagueness of the decisions from the evaluation process. The decision-makers are asked to express their opinions on the comparative importance of various factors in linguistic terms. These linguistic variable scales are then converted into fuzzy numbers, since it becomes more meaningful to quantify a subjective measurement into a range rather than an exact value. Finally, the relative importance of the criteria is obtained. The decision process includes the identification of 17 criteria grouped into 5 clusters which are named financial, commercial, traffic, demographic and strategic. The application of the proposed method was performed for Turkish banking industry. Number of Bank’s ATMs, Expected Level of Commission Income and Expected Level of Transaction Income were found as the three most significant criteria that should be analyzed deeply by the decision makers in ATM location selection decision. The results of the proposed method considered applicable and valid by the experts who included in the decision process and this analysis demonstrated by their responses to a set of questions.
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Mashingaidze, Sivave. "Customer experience management: New game strategy for competitiveness." Journal of Governance and Regulation 3, no. 3 (2014): 52–60. http://dx.doi.org/10.22495/jgr_v3_i3_p6.
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The main objective of this article was to do an extensive literature review of articles on customer experience management to explain the relationship between customer experience management and its factors which are supply chain management, location experience, packaging and labeling experience, atmosphere, service mix experience, promotion, customer experience, brand experience, and price experience for recommendation to the banking sector in Zimbabwe. Five modules of customer experience management which are sense, feel, think, act, and relate have also been reviewed and explored in the literature review. Findings showed that customer experience management factors contribute very much as a strategy to competitiveness in business. The article concluded by suggesting and recommending the adopting of customer experience management as a new game strategy
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Yusaini, Yusaini, Ismail Fahmi Arrauf Nasution, and Miswari Miswari. "Non-Muslim in The Islamic Economy Arena: Factors Affecting Savings Options at Islamic Bankings in Langsa Aceh." Al-Ulum 20, no. 1 (June 6, 2020): 252–73. http://dx.doi.org/10.30603/au.v20i1.819.
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This article aims to analyze the factors that influence the interest of non-Muslims in Langsa Aceh to save in sharia banks. This study with non-Muslim samples in Langsa Aceh uses field research with a focus on interviews and observations to find data. Furthermore, the data is reduced and processed with rules that have been determined in the field research system. The findings of this study indicate four important factors that influence the interest of non-Muslims in Langsa Aceh to save in sharia banks. First is knowledge factor, second is location factor, third is promotion factor, and fourth is environmental factor. An important recommendation from this research is that sharia banks realize the enthusiasm of non-Muslims to save in sharia banks so that they become a focus of promotion and socialization. Sharia banks must offer an objective system of the advantages of the Islamic banking system.
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Hassan, Rusni, and Zulfahmi Zulfahmi. "Participatory Banking (PB) Taking Measures Against Covid-19 in Turkey: Issues and Proposed Strategies." Turkish Journal of Islamic Economics 8, Special Issue (June 15, 2021): 445–67. http://dx.doi.org/10.26414/a2379.
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Not much research has been carried out to examine Participatory Bank (PB) in Turkey. This is despite the fact that Turkey has a long history in Islamic civilisation. The legacy of strong Islamic law, the majority Muslim population, and the strategic location of the country have failed to serve as a catalyst to boost the market share of participatory banking in the country. The present study aims to explore problems, solutions, and strategies for developing PBs in Turkey. This research also captures the condition of PBs in facing the Covid-19 pandemic. The study adopts a qualitative method that uses library research benefitting from various sources of literature, namely books, journals, and other sources. Semi-structured interviews were conducted with experts including practitioners, regulators, and academicians who have direct involvement in PB. The findings are presented in the form of Strength-Weakness-Opportunity-Threat (SWOT) of PBs in Turkey. Interestingly, the preliminary finding shows that the problems of PBs in Turkey stem from both internal and external factors. Lack of understanding and skills, and lack of good Shariah governance practices are the main internal factors. Lack of regulatory support, lack of public literacy, lack of academic research and educational institutions, and a regulatory system are the primary external factors. The study suggests two main solutions, namely internal and external solutions, as well as strategies to address the problems. This study could serve as a reference point for the regulator in formulating appropriate policy strategies to increase the market share of PB in Turkey.
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KACHMARYK, Zlata. "HUMAN-GEOGRAPHICAL FACTORS OF FINANCIAL INFRASTRUCTURE DEVELOPMENT IN THE WESTERN REGION OF UKRAINE." Ekonomichna ta Sotsialna Geografiya, no. 84 (2020): 55–66. http://dx.doi.org/10.17721/2413-7154/2020.84.55-66.
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The article provides a brief analysis of socio-geographical factors that have a decisive influence on the formation of financial infrastructure in the Western region of Ukraine. Traditional and innovative factors that are stimulating and limiting are highlighted. Among the main factors, emphasis is placed on geographical location, historical and geographical features, economic and geographical, socio-geographical, international cooperation and investment flows. The development of the financial network is not only under the influence of regional factors, but also in line with national and global trends. Despite the fact that the financial infrastructure of the state began to form with independence in 1991, and in the Western region the first prototype network of financial infrastructure began to form in the XVII century, today it is still in its infancy. However, this makes it possible to build the financial infrastructure in accordance with today’s challenges. For the sake of balanced development it is necessary to take into account the factors that not only promote development, but also inhibit it. The financial infrastructure is characterized by significant diversification, so special attention is paid to the factors that are inherent in each component. Banking, credit infrastructure and the infrastructure of mutual investment institutions are more developed in contrast to other components. Socio-geographical factors affect each individually and together, thus showing a synergistic effect. The peculiarity of these factors is also their multiplier effect, which is traced in the chain changes during the transformation of the factor itself. The geographical location of the region has a positive impact on the development of financial infrastructure, which is reflected in the developed network of international and national transport corridors, which provides trade growth, as well as strong international, including cross-border, cooperation in many sectors.
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Tucker, Mark, and Christine Jubb. "Bank and product selection – an Australian student perspective." International Journal of Bank Marketing 36, no. 1 (February 5, 2018): 126–46. http://dx.doi.org/10.1108/ijbm-10-2016-0151.
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Purpose The purpose of this paper is to investigate and comment on the factors used by Australian students to select their bank and the products and services they utilise, based on responses to an online questionnaire. Design/methodology/approach A mixed-methods approach, incorporating both qualitative and quantitative methods, was used to investigate this research issue. Convenience sampling resulted in 276 completed online responses. Mean ranking and factor analysis methods were employed to identify the key factors used in selecting a bank and frequency analysis used to examine the products and services utilised by students. Findings The key factors used by students to select a bank in Australia were bank competence, recommendations and outside influences, bank costs, returns and services, and finally location. The main bank products and services used by students were automated teller machines (ATMs), savings accounts, internet and telephone banking, and debit cards. Research limitations/implications The use of an online survey which limits the pool of respondents to internet users and, the sample size limits generalisability of the findings. Practical implications Banks can better target and understand the key determinants used by students in selecting a bank and the products and services this group values. This will allow Australian banks to develop programs to better attract and retain student customers. Originality/value Provides insight to and understanding of the determinants used by students to select their bank and the products and services they utilise. Furthermore, this study fills a gap in the literature by focusing on the banking behaviour of Australian students, an important segment of bank customers previously under-researched.
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Dewi, Putu Purnama, Ni Putu Eni Suwantari, and I. Putu Dharmawan Pradhana. "Faktor-Faktor Pencegahan Fraud pada Lembaga Perbankan." E-Jurnal Akuntansi 31, no. 6 (June 26, 2021): 1592. http://dx.doi.org/10.24843/eja.2021.v31.i06.p19.
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The purpose of this study is to identify the factors that influence the prevention of fraud in banking institutions including the implementation of good corporate governance, the application of the tri hita karana culture and the existence of a whistleblowing system. The location of this research is the Regional Development Bank (BPD) Bali with a population of all staff of BPD Bali Renon branch with a total sample of 96 respondents and using the saturated sample method. The analysis technique applied is multiple linear regression analysis. The findings in this study illustrate that the implementation of good corporate governance, the application of the tri hita karana culture, and the whistleblowing system in the company illustrates a significant positive effect on fraud prevention efforts at Bank BPD Bali.
Keywords: Good Corporate Governance; Tri Hita Karana Culture; Whistleblowing System; Fraud Prevention.
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Miguel Dávila, José Ángel, and Marcela Flórez Romero. "Calidad del servicio percibida por clientes de entidades bancarias de Castilla y León y su repercusión en la satisfacción y lealtad a la misma." Pecvnia : Revista de la Facultad de Ciencias Económicas y Empresariales, Universidad de León, no. 2008 (December 1, 2008): 105. http://dx.doi.org/10.18002/pec.v0i2008.790.
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El propósito de la investigación está enmarcado en el estudio de la calidad del servicio que prestan las entidades bancarias. El objetivo de la investigación ha sido el de identificar los factores que determinan la calidad del servicio que perciben los clientes de las entidades bancarias de Castilla y León, y de cómo la calidad influye en su satisfacción. Así mismo, se trata también de identificar cómo la satisfacción de los clientes por el servicio prestado afecta a su lealtad hacia la entidad.<br />Mediante un análisis factorial de componentes principales, se encontraron los factores que influyen en la calidad: i) aspectos físicos (estructura física, ubicación conveniente, equipamiento moderno, vigilancia, aspecto limpio, etc.); ii) aspectos de la prestación del servicio (operaciones y servicios convencionales que realiza y ofrece la entidad, confianza y conocimiento que transmite el personal, atención personalizada, tiempos de respuesta, reputación de la entidad); y iii) nuevas tecnologías (cajeros, Internet o banca telefónica). Posteriormente, los resultados del modelo de ecuaciones estructurales, muestran una gran influencia de los aspectos de la prestación del servicio en la calidad del servicio, así como la demostración de la calidad como antecedente de la satisfacción y la influencia que ejerce la calidad en la satisfacción y ésta en la lealtad del cliente a la entidad bancaria.<br /><br />The aim of this paper is to analyze the quality of the services offered by banking entities. The objective of the research has been to identify the key factors determining the service quality as perceived by the clients of banking entities in Castilla y León; it is important to note the way in which quality influences the customers' satisfaction. Others goals of the research focus on how the clients' satisfaction on the perceived service affects their loyalty to the entity.<br />Through a factor analysis of the main components, the key features influencing quality were found: i) physical aspects (physical structure, conveniente location, modern equipment, etc.), ii) aspects of service's performance (conventional operations and services which the bank offers and performs, personalized service, reputation of the entity, etc.), and iii) new technologies (cash dispenser, internet or phone banking). Afterwards, the results of the structural equations model indicate a great influence of the aspects of service's performance in the service quality. They also demonstrate that quality appears as an antecedent of satisfaction and that there is an influence of quality in satisfaction and of satisfaction in the loyalty of the customer to the banking entity.<br />
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Miguel Dávila, José Ángel, and Marcela Flórez Romero. "Calidad del servicio percibida por clientes de entidades bancarias de Castilla y León y su repercusión en la satisfacción y lealtad a la misma." Pecvnia : Revista de la Facultad de Ciencias Económicas y Empresariales, Universidad de León, Monogr (December 1, 2008): 105. http://dx.doi.org/10.18002/pec.v0imonogr.790.
Full textAbstract:
El propósito de la investigación está enmarcado en el estudio de la calidad del servicio que prestan las entidades bancarias. El objetivo de la investigación ha sido el de identificar los factores que determinan la calidad del servicio que perciben los clientes de las entidades bancarias de Castilla y León, y de cómo la calidad influye en su satisfacción. Así mismo, se trata también de identificar cómo la satisfacción de los clientes por el servicio prestado afecta a su lealtad hacia la entidad.<br />Mediante un análisis factorial de componentes principales, se encontraron los factores que influyen en la calidad: i) aspectos físicos (estructura física, ubicación conveniente, equipamiento moderno, vigilancia, aspecto limpio, etc.); ii) aspectos de la prestación del servicio (operaciones y servicios convencionales que realiza y ofrece la entidad, confianza y conocimiento que transmite el personal, atención personalizada, tiempos de respuesta, reputación de la entidad); y iii) nuevas tecnologías (cajeros, Internet o banca telefónica). Posteriormente, los resultados del modelo de ecuaciones estructurales, muestran una gran influencia de los aspectos de la prestación del servicio en la calidad del servicio, así como la demostración de la calidad como antecedente de la satisfacción y la influencia que ejerce la calidad en la satisfacción y ésta en la lealtad del cliente a la entidad bancaria.<br /><br />The aim of this paper is to analyze the quality of the services offered by banking entities. The objective of the research has been to identify the key factors determining the service quality as perceived by the clients of banking entities in Castilla y León; it is important to note the way in which quality influences the customers' satisfaction. Others goals of the research focus on how the clients' satisfaction on the perceived service affects their loyalty to the entity.<br />Through a factor analysis of the main components, the key features influencing quality were found: i) physical aspects (physical structure, conveniente location, modern equipment, etc.), ii) aspects of service's performance (conventional operations and services which the bank offers and performs, personalized service, reputation of the entity, etc.), and iii) new technologies (cash dispenser, internet or phone banking). Afterwards, the results of the structural equations model indicate a great influence of the aspects of service's performance in the service quality. They also demonstrate that quality appears as an antecedent of satisfaction and that there is an influence of quality in satisfaction and of satisfaction in the loyalty of the customer to the banking entity.<br />
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ADNAN, Yasmin Mohd, Md Nasir DAUD, and Muhammad Najib MOHAMED RAZALI. "A MULTI-CRITERIA FRAMEWORK FOR OFFICE TENANTS' PREFERENCES AT OFFICE BUILDINGS." International Journal of Strategic Property Management 19, no. 3 (October 9, 2015): 271–82. http://dx.doi.org/10.3846/1648715x.2015.1052586.
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In order to mitigate the anticipated oversupply of office space, it is necessary to gauge the preference of office occupiers, namely tenants of purpose built office buildings, since these tenants form the indicator of demand for space. In this study, a multi-criteria decision making method (MCDM) – the Analytic Hierarchy Process (AHP) procedure was employed to analyse the relative importance of the main factors chosen by the main sectors of tenants at top grade office buildings in Kuala Lumpur city centre. This study had identified the elicitation of experts’ opinion and tenants’ selection comprises twenty-six important factors for office occupation in Kuala Lumpur city centre, grouped under four main categories: Location, Lease, Building and Financial/Cost. This study then employed AHP to assess the relative importance placed on each category, revealing the varying patterns of preferences when tested on tenants from three main business sectors occupying top grade office buildings. The findings showed that, between the three sectors (Finance/Banking, ICT & Media and Oil & Gas), differences in preference were only slight for most factors but were significant for a few. The findings from this study are insightful in informing decisions on future office provision, particularly in the context of working towards satisfying office tenants’ requirements.
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Chan, Wai-wan. "Performing Work: Locality, Embodied Practice and Career Mobility of Chinese Women Bankers in Hong Kong." Cosmopolitan Civil Societies: An Interdisciplinary Journal 8, no. 1 (March 23, 2016): 40–62. http://dx.doi.org/10.5130/ccs.v8i1.4369.
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Women are emerging as significant actors in international financial industries concentrated in metropolitan cities which function as national and international business hubs. Based on 17 in-depth interviews with Chinese women bankers in Hong Kong, where one finds the highest concentration of banking institutions in the world, this paper examines the interplay between locality, gender performance and the career mobility of women bankers. The author argues that branch location is embedded within hierarchical fields of power and leads to different client groups, and ultimately, to different opportunities for upward mobility. Women bankers in Hong Kong are skilled in displaying multiple identities by using differentiated styles of language and different tongues, or languages, when interacting with different client groups in different branches. This strategy involves evaluative interpretation of perception because clients themselves make class distinctions according to different service settings. Although mid-level management teams in the banking industry have recently been rapidly feminised, this paper demonstrates that the glass ceiling is still real and continues to exert its invisible, negative impact. The upward mobility of Chinese women bankers is often blocked by informal barriers deeply embedded in the social structure and culture of both local society and international companies. These structural barriers and their resultant structured disadvantages for women are the consequence of the intersection, and sometimes the collusion, of ethnic politics, business or capitalist interests and social norms. Factors and structural forces such as race, ethnicity and gender are intertwined with and compounded to produce deep and far-reaching effects that are often beyond the control of the individual actor.
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Chalmers, Adam William, and Kevin L. Young. "Network effects in the formation of the financial industry's regulatory preferences in the European Union." Business and Politics 22, no. 1 (January 28, 2020): 52–84. http://dx.doi.org/10.1017/bap.2019.33.
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AbstractThis paper examines the determinants of financial industry actors’ regulatory preferences—examining why some financial industry actors prefer less stringent financial regulations while others prefer more stringent regulations. The determination of preferences, we argue, can be understood as mutually dependent. How an organization is connected to other organisations through network ties may help to explain its regulatory preferences. Our empirical point of focus is financial industry lobbying in the context of the European Union (EU). Using data from nearly nine hundred lobbying letters related to legislation on banking, insurance, and securities regulation, we map out a “socialization network” that models connections between financial industry firms, their associations, as well as a broad range of other organisations and actors that are auxiliary to this community of organizations. Using these data we find evidence that organizations’ preferences are informed by their location within this socialization network. Controlling for a range of other plausible factors, we find that 1) those connected via common associational ties, 2) those closer to one another in the network and 3) those more “embedded” in this network are all less likely to diverge in terms of their preferences from one another.
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Yilmaz, Ayse Altiok. "A Survey of Lending Relationship Between SMEs and Banks." International Journal of Business Administration and Management Research 3, no. 4 (December 29, 2017): 5. http://dx.doi.org/10.24178/ijbamr.2017.3.4.05.
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The aim of this study is to examine the lending relationships between banks and SMEs. Numerous authors have investigated the importance of banking relationships in lending to small businesses. A major issue is the relative difficulty in obtaining meaningful information and accurately assessing the credit worthiness of such borrowers. For this reason, many authors have examined the influence of this relationship on various aspects of line of credits made in different countries but up to date no studies has been conducted in lending relationship of SMEs with banks in Turkey. This may be because of the data insufficiency of SMEs. This research aims to fill that gap by looking at the determinants of SME lending conditions by using the survey results of SMEs.The factors that affect the dependent variables (the interest rate and the credit line volume) is tested by using the ordinary least squares (OLS) regression analysis. The data is obtained by the questionnaires conducted by 204 SMEs. The results for credit interest rate reveals that age, financial distress, duration of relationship, recent ownership change and location significantly affect the interest rate given by the most actively worked bank. The empirical results suggest that close and long-lasting relationship is desirable for firms. Firms with long-lasting bank relationships fare better than other enterprises in terms of interest rates, and credit availability.
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Koldovskiy, Artem, and Kateryna Chernega. "Modeling the Ukrainian consumption." Geopolitics under Globalization 2, no. 1 (December 24, 2018): 34–44. http://dx.doi.org/10.21511/gg.02(1).2018.05.
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Consumption is a fundamental determinant of the economic success. Consumer spending is approximately 70 percent of the Gross domestic product (GDP). It is common to divide consumer spending into nondurables (clothing and food), durables (“large” goods, which are not purchased very often), and of course services (day care, banking, medical). The way to identify how the economy influences consumption is to look at specific economic cycles. At the top of the economy (when the economy is strong), people reaction is physically powerful, and consumers spend money freely. When the economy falters, confidence falls; consumers cut back on the spending and conserve their money. They stop buying, getting out of debt and focus on saving money. Understanding consumption is vital to the implementation and development of marketing strategies. The purpose for this empirical research is to review main indicators, which influence on consumption and identify methodological issues in need of resolution, and present possible approaches that may prove helpful in resolving those issues. The growth of interest in modeling consumption has led to behaviorally conceptual models in which selection dynamics play a vital role. The authors introduce two empirical models, which demonstrate correlation between macroeconomic indicators, social factors and Consumer price index (CPI). The first conceptual model shows that the CPI is a straighter measure than per capita Gross domestic product of the standard of living in Ukraine. By including a wide range of thousands of services and goods with the basket (fixed), the CPI can obtain a precise estimate of the cost of living. The second empirical model shows the interdependence of economic indicators (CPI, GDP, and Average wage index (AWI)) and social factors (gender, age, location).
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Golovin, A. A., M. A. Parkhomchuk, and Ar A. Golovin. "SPECIFICITY OF REGIONAL INDUSTRIAL ENTERPRISES OPERATION AND THREATS TO THEIR ECONOMIC SECURITY." Proceedings of the Southwest State University 21, no. 4 (August 28, 2017): 109–17. http://dx.doi.org/10.21869/2223-1560-2017-21-4-109-117.
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The economic sanctions of the United States, Canada, Australia, the EU in banking and technological sectors jeopardized Russia's national security. Moreover, the break of traditional technological chains of industrial enterprises in Russia and Ukraine set the task of accelerated import substitution. The economic situation inside the country is depressed, since internal reserves are insufficient for quick solution of the import substitution problem. An important condition to increase the efficiency of industrial production is the search for internal reserves at the local level, as well as ensuring sustainable operation of enterprises. The concept of sustainable operation of an enterprise includes its economic security, determined both by internal and external factors. In this paper a number of specific features of industrial production such as strict regulation and control by the state, a high level of specialization, technical complexity, the need for highly qualified specialists, and complexity of spatial placement is defined. Features of industrial production determine threats to the enterprise economic security. A high degree of regulation and control by the state creates the following threats: pressure of public authorities in order to obtain benefits, use of administrative resources in trade wars and raidership, frequent and drastic changes of laws, the risk of falling into dependence on officials, shareholders and partners. The focused narrow specialization of production negatively affects the ability of an enterprise to react quickly to market changes, and, first of all, the market conjuncture. This feature forms the following threats: falling demand for manufactured products, stiffening competition in a certain territory, aggravation of competition with enterprises producing similar goods, monopolization of the market, unfair competition. Due to technical complexity of the production process, the following threats arise: high degree of wear and tear of equipment, industrial injuries and manufacturing defects. A significant need for highly qualified specialists is conditioned by the complexity of the technological process and forms the following threats: labour shortage, low personnel qualifications, flow of highly qualified specialists to competitors, and the risky investments in personnel. The location of a number of industrial productions is bound to the locations of resources and markets. Metallurgical production is heavily dependent on the location of deposits of iron ore and coal. A number of industries gravitates to the market channels. Relationship of business owners and local authorities also influences enterprise location. Depending on the form of relationship, the enterprise is provided with the most comfortable or complicated business conditions. The considered specific features of ensuring economic security of industrial enterprises determined the arising threats. If security threats are known, they can be quantified, which will facilitate continuous monitoring of the situation. The program for ensuring economic security of an industrial enterprise should include continuous monitoring, a set of measures to neutralize threats and tools to minimize losses.
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Korobko, A. V., and Yu Ye Balikhina. "ESTIMATION OF THE UNIT TORSIONAL RIGIDITY OF A CROSS-SECTION WITH A HYBRID DISK-EQUILATERAL POLYGON SHAPE." Proceedings of the Southwest State University 21, no. 4 (August 28, 2017): 6–12. http://dx.doi.org/10.21869/2223-1560-2017-21-4-6-12.
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The economic sanctions of the United States, Canada, Australia, the EU in banking and technological sectors jeopardized Russia's national security. Moreover, the break of traditional technological chains of industrial enterprises in Russia and Ukraine set the task of accelerated import substitution. The economic situation inside the country is depressed, since internal reserves are insufficient for quick solution of the import substitution problem. An important condition to increase the efficiency of industrial production is the search for internal reserves at the local level, as well as ensuring sustainable operation of enterprises. The concept of sustainable operation of an enterprise includes its economic security, determined both by internal and external factors. In this paper a number of specific features of industrial production such as strict regulation and control by the state, a high level of specialization, technical complexity, the need for highly qualified specialists, and complexity of spatial placement is defined. Features of industrial production determine threats to the enterprise economic security. A high degree of regulation and control by the state creates the following threats: pressure of public authorities in order to obtain benefits, use of administrative resources in trade wars and raidership, frequent and drastic changes of laws, the risk of falling into dependence on officials, shareholders and partners. The focused narrow specialization of production negatively affects the ability of an enterprise to react quickly to market changes, and, first of all, the market conjuncture. This feature forms the following threats: falling demand for manufactured products, stiffening competition in a certain territory, aggravation of competition with enterprises producing similar goods, monopolization of the market, unfair competition. Due to technical complexity of the production process, the following threats arise: high degree of wear and tear of equipment, industrial injuries and manufacturing defects. A significant need for highly qualified specialists is conditioned by the complexity of the technological process and forms the following threats: labour shortage, low personnel qualifications, flow of highly qualified specialists to competitors, and the risky investments in personnel. The location of a number of industrial productions is bound to the locations of resources and markets. Metallurgical production is heavily dependent on the location of deposits of iron ore and coal. A number of industries gravitates to the market channels. Relationship of business owners and local authorities also influences enterprise location. Depending on the form of relationship, the enterprise is provided with the most comfortable or complicated business conditions. The considered specific features of ensuring economic security of industrial enterprises determined the arising threats. If security threats are known, they can be quantified, which will facilitate continuous monitoring of the situation. The program for ensuring economic security of an industrial enterprise should include continuous monitoring, a set of measures to neutralize threats and tools to minimize losses.
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Bahadur Budha, Padam, Pawan Rai, Prem Katel, and Anu Khadka. "Vulnerability Assessment of Peoples Exposed to Landslides in Panchase of Nepal using Analytical Hierarchy Process." International Journal of Environment 9, no. 2 (October 29, 2020): 81–103. http://dx.doi.org/10.3126/ije.v9i2.32535.
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The occurrence of landslides in mountainous areas of Nepal is recurrent phenomena and this can be disastrous if occurred within human settlements. Proper research is required to manage and reduce the risks of the disaster in places where landslides had occurred frequently. In risk assessment estimation of vulnerability is one major component. This research was aimed to generate information on the vulnerability of people in the Panchase area of central Nepal. The method of analytical hierarchy process was used to define the weightage to be assigned for 4 factors and 26 indicators used in the research. 377 households were surveyed with a questionnaire designed to collect information on those indicators. The households sampled for the survey were made sure that they were near or around the landslide affected area. The response for each indicator was converted into scores which when summed up yielded the vulnerability score. This score for each household was used to categorize households into five levels of vulnerability from very low, low, moderate, high, to very high. The numbers of households in each category were 16, 92, 191, 75, and 3 respectively. Environmental and economic indicators were inflicting higher vulnerability in this research location. Remoteness and lesser number of facilities and/or services, lower numbers of governmental offices, absence of banking and financial institutions, lesser preferences for insurances and savings, degraded natural water sources were major determinants of higher vulnerability in Panchase. These indicators should be prioritized during disaster risk management in Panchase.
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Purtill, Duncan, Katherine M. Smith, Joann Tonon, Katherine L. Evans, Marissa N. Lubin, Courtney Byam, Doris M. Ponce, Andromachi Scaradavou, Cladd E. Stevens, and Juliet N. Barker. "Analysis Of 402 Cord Blood Units To Assess Factors Influencing Infused Viable CD34+ Cell Dose: The Critical Determinant Of Engraftment." Blood 122, no. 21 (November 15, 2013): 296. http://dx.doi.org/10.1182/blood.v122.21.296.296.
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Abstract Introduction The selection of CB units with a high engraftment potential is key to the success of single and double-unit CB transplantation (CBT). However, the best predictors of engraftment potential at the time of unit selection and prior to infusion are not established. Methods We analyzed determinants of engraftment in recipients of double-unit CBT at our transplant center (TC) who underwent myeloablative conditioning for hematological malignancies from 10/2005-5/2013. As infused viable CD34+ cell dose was critical to engraftment in this analysis, we then evaluated units thawed at our center for the two determinants of infused viable CD34+ cell dose: post-thaw CD34+ cell recovery and CD34+ cell viability. CD34+ cell recovery was calculated as TC CD34+ cell count/Bank CD34+ cell count. Post-thaw viability was evaluated by flow cytometry using modified ISHAGE gating and 7-AAD exclusion to assess the percentage of viable CD34+ cells (of total present). Results The cumulative incidence of neutrophil engraftment in the 128 myeloablative double-unit CBT recipients was 96% (95%CI: 93-100%). Reported Bank total nucleated cell (TNC) dose, Bank CD34+ cell dose, TC infused TNC dose, TC infused total CD34+ cell dose, TC infused viable CD34+ cell dose, and TC CFU dose were all significantly associated with neutrophil engraftment on univariate analysis. However, only the infused viable CD34+ cell dose was significant on multivariate analysis [HR=1.95 (1.33-2.86), p = 0.001, Figure]. Platelet engraftment was also strongly associated with infused viable CD34 cell dose (data not shown). To evaluate the reliability of CD34+ cell counts and determinants of viability, 402 units (302 domestic and 100 international) from 43 Banks thawed at our TC between 10/2005-5/2013 were then analyzed. For 7 selected Banks accounting for 135 (33%) units, there was strong correlation between Bank and TC CD34+ cell counts (r2 = 0.8, p < 0.001) with a median 92% CD34+ cell recovery at the TC (range 44-189%). However, for the remainder, there was greater variation in CD34+ cell recovery (range 12-1480%, median 107%) with a weaker (but still significant) correlation between CD34+ cell counts (r2 = 0.5, p < 0.001). In 40 (10%) units the recovery was less than 66%. Finally, while the median post-thaw CD34+ cell viability was 92%, it ranged 34-99%, and 33 units (8%) had <75% viable CD34+ cells. Unit characteristics significantly associated with CD34+ cell viability are shown in the Table. Bank location (domestic vs. international), shipping distance (New York vs. Australia), processing method (manual vs. automated or semi-automated) and unit hematocrit did not correlate with viability. In multivariate analysis, Bank FACT accreditation, year of cryopreservation, and cryovolume were associated with viability. Conclusion Infused viable CD34+ cell dose was the critical determinant of neutrophil and platelet engraftment. Although correlation between Bank and TC CD34+ cell counts was excellent for some banks and post-thaw CD34+ cell viability was satisfactory for the majority of units, 17% of units had <66% CD34+ cell recovery and/or <75% CD34+ cell viability post-thaw. The variability in CD34+ cell recovery and viability was not random but linked to known differences in banking practice and at least one independent measure of Bank quality (FACT accreditation). These findings have significant implications to CB banking and transplantation. Although units can be selected based on CD34+ cell dose, TC must be able to react to lower than expected post-thaw CD34+ cell counts and/or low CD34+ cell viability. Thus, methods to measure the infused viable CD34+ cell dose on transplant day (or other rapidly available measures of potency) should be employed to ensure the delivery of a graft with optimal engraftment potential and a back-up strategy in case of a compromised unit. This is even more important in single-unit CBT in which, unlike double-unit CBT, engraftment is solely dependent on a single unit. Disclosures: No relevant conflicts of interest to declare.
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Kvashnin, Yury D. "The Republic of Cyprus as a Transit Point for Foreign Capital." Outlines of global transformations: politics, economics, law 11, no. 1 (April 4, 2018): 170–84. http://dx.doi.org/10.23932/2542-0240-2018-11-1-170-184.
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The policy of the Cypriot authorities, aimed at attracting foreign capital, is deeply rooted in history. Having created a flexible tax system, since its first years as an independent state Cyprus has managed to attract numerous foreign shipping companies and in the 1970s it turned into a regional financial hub through which economic cooperation between the countries of the West and the Middle East was carried out. The Cypriot economy flourished in the 1990s – 2000s, when thanks to favorable taxation regime, transaction confidentiality, convenient geographical location, eased visa regime and a number of other factors it became the main transit point for capital from Eastern Europe, first of all – from Russia. However, the future of Cyprus as an international financial center is in question. Under the pressure of the EU, OECD and a number of individual countries, the Cypriot authorities are forced to bring their tax legislation in line with international standards. Negative impact on the investment image of the country was rendered by the national 2012-2013 banking crisis, followed by the collapse of the largest national banks, a sharp deterioration in macroeconomic indicators and the implementation by the government of a number of reforms that affected the attractiveness of Cyprus in the eyes of international business companies. In these circumstances, the Cypriot authorities have taken a number of measures aimed at preventing the outflow of foreign capital, including the abolition of the property tax in the housing stock, the extension of benefits for new tax residents and the introduction of a simplified procedure for the granting of Cypriot citizenship for investments. Thanks to these innovations, Cyprus managed not only to retain interest from TNCs of Russian origin, but also to attract investments of small and medium-sized companies, primarily those working in the field of information and communication technologies.
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Alexander Masharsky and Ivan Skvortsov. "CRYPTOCURRENCY MARKET DEVELOPMENT IN LATVIA AND THE BALTIC STATES." European Cooperation 1, no. 49 (January 31, 2021): 7–22. http://dx.doi.org/10.32070/ec.v1i49.104.
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The use of digital money creates not only threats, but also opportunities for economic development, but in Latvia and the Baltic countries, they are not sufficiently researched and not widely spread. The paper aims to identify the reasons for the lagging behind of the Baltic countries and Latvia in the development of the cryptocurrency market and to develop recommendations for improving its regulation and functioning. Based on the methods of cross-country, statistical and sociological analysis, the national factors of differences in the functioning and regulation of cryptocurrencies in Latvia, Estonia, and Lithuania have been identified and the risks of its use for illegal activities have been assessed. It is shown that the role of cryptocurrencies in the financial markets of the Baltic States is determined by the degree of their use for payments and investments, which depends on their recognition by the state and investors. It has been revealed that the definition of the concept of cryptocurrency in the EU and the Baltic countries, primarily in the money laundering and terrorist financing (ML/TF) directives, does not stimulate the use of its positive features. A correlation between the restrained attitude towards cryptocurrencies in Latvia and its large-scale business relations with the CIS countries with a higher proportion of shadow economy, caused by the peculiarities of its history and geographical location, has been revealed. The Latvian banking system, under the influence of international regulators, has become less appropriate for operations of non-residents from the East, which increases the risk of using cryptocurrency for ML/FT purposes. The factors of motivation, advantages and difficulties of the businessmen of the Baltic countries they face when dealing with cryptocurrency have been identified, and a discrepancy in the regulation of taxation of transactions with cryptocurrency and the respective activities in Latvia has been revealed. Recommendations are given to the state and private investors pertaining to the integration of cryptocurrencies into the economic space, the implementation of which will contribute to the development of the digital economy and growth of wealth of Latvian residents. The results of the study can be used to improve government regulation and private investments in the cryptocurrency market, as well as in the study and further research of this problem
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Ahmadi Danyali, Arezo. "Factors influencing customers’ change of behaviors from online banking to mobile banking in Tejarat Bank, Iran." Journal of Organizational Change Management 31, no. 6 (October 1, 2018): 1226–33. http://dx.doi.org/10.1108/jocm-07-2017-0269.
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Purpose The purpose of this paper is to study the influential factors in changing customers’ behaviors from online banking to mobile banking based on Tiller and Tad model. Design/methodology/approach A quantitative method was used. This study is a practical research work by using 400 people, among whom 384 participants were selected based on simple random sampling. Findings The results indicated that the perceived advantage of using mobile banking, the influence of peer groups, source facilitator conditions as well as technology had the highest correlation. Among the influential components on attitude, the highest level belongs to perceived advantage of using mobile bank. Among the effective factors on behavioral control, source facilitator conditions and technology facilitator conditions had the highest correlation. Research limitations/implications It is suggested that the provided services be expanded via mobile banking and more customers be encouraged to use mobile banking services. For instance, the transaction of currency, stock, etc. via mobile banking is suggested. It is recommended that mobile banking software should be designed in a way that the process of mobile banking services is very easy for customers. Bank staff and employees should be trained to be active promoters of mobile banking services not only inside branch locations, but in other places and work environments as informers, messengers and models of using mobile banking. Practical implications It is recommended that bank managers should make use of the mass media such TV, billboard, radio, press, etc., in order to increase public awareness of mobile banking, and try to take effective steps in creating positive attitude in their customers on using mobile banking. Social implications Mobile banking has evolved as a wireless communication interface for producing value by customers in banking transactions. Todays, one of the substantially remarkable modern techniques in providing banking services is the provision of financial and banking services by using smart phones (mobiles). Although the life of using smart phones for banking and financial operations is not too long, significant advancements have been observed in this area within a short time, which could highly promise the extensive development of this modern electronic banking technique in future. Originality/value During the last decade, information technology has had tremendous impacts on banking industry through guiding and introducing new financial products with a specific delivering to its customers, enabling the banks to be able to provide distinguished products and special services to their customers safely and reliably. It is more than 200 years since banks have served their customers through their branch systems. However, with the emergence of various types of technology, the nature of providing financial services has greatly changed, with the increasing growth in electronic commerce.