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1
M. S. Nilam. "Bank Selection Criteria and Performance of Public and Private Banks of Sri Lanka: A Comparative Study." CenRaPS Journal of Social Sciences 2, no. 2 (July 15, 2020): 197–215. http://dx.doi.org/10.46291/cenraps.v2i2.27.
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Financial deregulation and technological advancement have led the sri lankan banking industry to highly competitive environment. In sri lanka, the competition is not only among the local banks, but also from foreign banks. To stay competitive and strong, a bank’s customer retention is crucial. In this context banking institutions would like to know how the customers select their bank and how they perceive the performance of banks in such competitive environment. The researcher selected sample of 468 banking customers from public and private banks of sri lanka. Responses were analyzed and presented through descriptive, correlation and regression analysis. The findings showed that the security and service quality were the two most crucial factors when selecting a bank in sri lanka. Significant gender and education level factors in bank selection were observed. Study concludes that sri lankan private banks perform better on those factors than the public banks in sri lanka.
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Liyanagamage, Champika. "Banking sector competitiveness." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 2 (March 21, 2021): 195–202. http://dx.doi.org/10.20525/ijrbs.v10i2.1062.
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Despite core banking, banks also engage in off-balance-sheet (OBS) market activities. In many developed banking industries, OBS activities have grown to be significant during the last two decades. This paper provides rather scarce evidence on the competitiveness among banks for OBS activities and its impact on the degree of banking sector competition in Sri Lanka. Panzar-Ross H statistic approach employing in this study to estimate bank competition used a comprehensive set of bank-level data of the whole commercial banking sector in Sri Lanka covering the period 1996-2018. The first-round analysis of the study uncovers substantial differences among banks concerning the OBS activities. EGLS panel estimation procedure applied in this study provides evidence for a lower level of competitiveness among Sri Lankan banks for OBS activities. More interestingly, the findings further reveal that the degree of competitiveness for OBS activities has a significant positive impact on the overall competitiveness of the banking sector in Sri Lanka. These results suggest banking institutions re-visit their business models with greater emphasis on nonconventional banking activities in enhancing bank-level efficiency and hence positively contributing to the overall competitiveness of the banking sector.
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Liyanagamage, Champika. "Examining the competitiveness of banking sector in Sri Lanka." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 3 (May 1, 2021): 320–27. http://dx.doi.org/10.20525/ijrbs.v10i3.1095.
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The banking sector in Sri Lanka has been portrayed by significant changes in the past few decades. It is widely perceived that competition in the Sri Lankan banking sector has improved since the introduction of the financial sector reforms in the 1990s. By applying Panzar-Rosse (PR) approach to test the degree of competitiveness, this paper assesses the validity of this claim in the context of the Sri Lankan banking sector during 1996-2018. The sample covers a broader set of bank-level panel data of the whole commercial banking sector which comprised of 25 licensed commercial banks. The EGLS procedure applied in this study revealed that during the stated period, the Sri Lankan banking sector had been moderately competitive. Further analysis also disclosed that there is no significant difference between the state-owned banks and private banks regarding their degree of competitiveness, as well as their temporal dynamics. Another striking observation revealed in this analysis is the lower level of competitiveness among foreign banks compared to the competitiveness of local banks. The Competitiveness of the Sri Lankan banking sector however is characterized by non-price competition, as on many occasions the interest rate depends on government policies. Hence, this study provides new insight into the nature of financial sector competitiveness in underdeveloped countries. The outcome of the research implies the necessity of attempts of all banks towards re-aligning their strategies to attract and retain customers. This would be the major challenge that banks face in accomplishing a higher level of competition in the banking industry in the future.
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Seelanatha, Lalith, and Weerasinghe Hilary Elmo Silva. "An assessment of relative efficiency of banks in Sri Lanka." Corporate Ownership and Control 9, no. 3 (2012): 357–72. http://dx.doi.org/10.22495/cocv9i3c3art3.
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This paper examines how the financial reforms introduced throughout last 30 year period have improved the managerial efficiency of firms in the banking industry in Sri Lanka. Using non-parametric data envelopment analysis (DEA), this study estimated relative efficiency of banking firms in Sri Lanka using a sample of data collected from 20 year cross section (1989-2008). The study found that the banks in Sri Lanka have recorded relatively higher level of efficiency. Both managerial decisions and scale of operation have been equally contributed to the recorded inefficiency. We found that large banks were relatively more efficient than small banks. However, medium size banks were recorded relatively lower levels of efficiency which were mainly contributed by the managerial factor.
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Weerasinghe, Salinda, Harshani Dedunu, and Chiranthani Jayani. "Factors Affecting to Job Satisfaction of Banking Employees in Sri Lanka Special Reference Public and Private Banks in Anuradhapura District." Business and Management Horizons 5, no. 1 (May 25, 2017): 62. http://dx.doi.org/10.5296/bmh.v5i1.10987.
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Employees are the backbone of any organization. They are the most precious and important asset among all the assets of any organization. Job satisfaction is a part of employee life satisfaction. So the employee job satisfaction becomes one of the top priority issues in the banking industry. Therefore, the study aims to identify the level of job satisfaction of banking employees’ in private and public banks in Sri Lanka with special reference to Anuradhapura District. All employees who are working in either public or private banks in Anuradhapura District were the population of the study and out of them 226 employees were selected as sample of the study based on stratified sampling technique. Data were processed through number of rigorous analysis to derive a robust conclusion. The findings of the study indicated higher level of job satisfaction in public sector banking employees than private sector employees in Sri Lanka. Further study regression result highlighted statistically significant impact of work itself, salary, job security and recognition on employee job satisfaction in baking sector Sri Lanka, however possibility of growth and working conditions no longer make significant impact on employee job satisfaction. Finally, study identified salary as a greatest explanatory variable of employee job satisfaction in banking sector Sri Lanka. Key words: Banking Sector, Job satisfaction, Salary, Job security
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Bandara, Herath Mudiyanselage Kasun Salitha, Ahamed Lebbe Mohamed Jameel, and Haleem Athambawa. "Credit Risk and Profitability of Banking Sector in Sri Lanka." Journal of Economics, Finance and Accounting Studies 3, no. 1 (April 14, 2021): 65–71. http://dx.doi.org/10.32996/jefas.2021.3.1.6.
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This paper aims to investigate the impact of credit risk on the profitability of the banking sector in Sri Lanka. The profitability is measured with and Return on Assets. At the same time, credit risk is quantified with four indicators: Non-performing loan Ratio (NPLR), Loan to Deposit Ratio (LDR), Net Charge off Ratio (NCOR), and Capital Adequacy Ratio (CAR). Data from thirteen banks over eight years from 2010 to 2017 was analyzed using panel data regression analysis. The finding shows that the Profitability of the Banking Sector in Sri Lanka has been determined by important determinants such as credit risk. The study further finds that non-performing loans have negative and significant return on assets. However, the net charge-off ratio and the loan to deposit ratio are not important variables for expanding the bank's profitability. On the other hand, the CAR positively impacts returns on assets. The study suggested the need to strengthen the management of credit risk in order to preserve Sri Lankan banks' current profitability.
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Kumarasinghe, Pivithuru Janak. "Determinants of Non Performing Loans: Evidence from Sri Lanka." International Journal of Management Excellence 9, no. 2 (August 31, 2017): 1113–21. http://dx.doi.org/10.17722/ijme.v9i2.932.
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In the recent past, the global financial crisis and the subsequent recession in many developed countries have increased households’ and firms’ defaults, causing significant losses to the banks. Case of Sri Lanka is no difference. The changes in the economic conditions are believed to have a critical role to play in determining the level of nonperforming loans. Regulators all over the world have started to pay more attention to the credit quality of the Banks and strengthened the regulatory frameworks. This paper attempts to study the macroeconomic determinants of banks’ loan quality in Sri Lanka by analyzing secondary data over the period 1998–2014. The methodology to be adopted for the study was arrived at upon careful review of the literature and following the empirical studies conducted on the determinants of the nonperforming loans. The finding of the analysis is that, out of the six determinants, GDP growth rate and the Export Growth are significant in determining the level of the NPLs in the Sri Lankan banking sector. The relationship of the GDP with the NPL is found to be positive which is not consistent with the majority of the empirical findings
Keywords: Nonperforming Loans, Macroeconomic Determinants,
In the recent past, the global financial crisis and the subsequent recession in many developed countries have increased households’ and firms’ defaults, causing significant losses to the banks. Case of Sri Lanka is no difference. The changes in the economic conditions are believed to have a critical role to play in determining the level of nonperforming loans. Regulators all over the world have started to pay more attention to the credit quality of the Banks and strengthened the regulatory frameworks. This paper attempts to study the macroeconomic determinants of banks’ loan quality in Sri Lanka by analyzing secondary data over the period 1998–2014. The methodology to be adopted for the study was arrived at upon careful review of the literature and following the empirical studies conducted on the determinants of the nonperforming loans. The finding of the analysis is that, out of the six determinants, GDP growth rate and the Export Growth are significant in determining the level of the NPLs in the Sri Lankan banking sector. The relationship of the GDP with the NPL is found to be positive which is not consistent with the majority of the empirical findings
Keywords: Nonperforming Loans, Macroeconomic Determinants,
In the recent past, the global financial crisis and the subsequent recession in many developed countries have increased households’ and firms’ defaults, causing significant losses to the banks. Case of Sri Lanka is no difference. The changes in the economic conditions are believed to have a critical role to play in determining the level of nonperforming loans. Regulators all over the world have started to pay more attention to the credit quality of the Banks and strengthened the regulatory frameworks. This paper attempts to study the macroeconomic determinants of banks’ loan quality in Sri Lanka by analyzing secondary data over the period 1998–2014. The methodology to be adopted for the study was arrived at upon careful review of the literature and following the empirical studies conducted on the determinants of the nonperforming loans. The finding of the analysis is that, out of the six determinants, GDP growth rate and the Export Growth are significant in determining the level of the NPLs in the Sri Lankan banking sector. The relationship of the GDP with the NPL is found to be positive which is not consistent with the majority of the empirical findings
Keywords: Nonperforming Loans, Macroeconomic Determinants,
In the recent past, the global financial crisis and the subsequent recession in many developed countries have increased households’ and firms’ defaults, causing significant losses to the banks. Case of Sri Lanka is no difference. The changes in the economic conditions are believed to have a critical role to play in determining the level of nonperforming loans. Regulators all over the world have started to pay more attention to the credit quality of the Banks and strengthened the regulatory frameworks. This paper attempts to study the macroeconomic determinants of banks’ loan quality in Sri Lanka by analyzing secondary data over the period 1998–2014. The methodology to be adopted for the study was arrived at upon careful review of the literature and following the empirical studies conducted on the determinants of the nonperforming loans. The finding of the analysis is that, out of the six determinants, GDP growth rate and the Export Growth are significant in determining the level of the NPLs in the Sri Lankan banking sector. The relationship of the GDP with the NPL is found to be positive which is not consistent with the majority of the empirical findings
Keywords: Nonperforming Loans, Macroeconomic Determinants,
In the recent past, the global financial crisis and the subsequent recession in many developed countries have increased households’ and firms’ defaults, causing significant losses to the banks. Case of Sri Lanka is no difference. The changes in the economic conditions are believed to have a critical role to play in determining the level of nonperforming loans. Regulators all over the world have started to pay more attention to the credit quality of the Banks and strengthened the regulatory frameworks. This paper attempts to study the macroeconomic determinants of banks’ loan quality in Sri Lanka by analyzing secondary data over the period 1998–2014. The methodology to be adopted for the study was arrived at upon careful review of the literature and following the empirical studies conducted on the determinants of the nonperforming loans. The finding of the analysis is that, out of the six determinants, GDP growth rate and the Export Growth are significant in determining the level of the NPLs in the Sri Lankan banking sector. The relationship of the GDP with the NPL is found to be positive which is not consistent with the majority of the empirical findings
Keywords: Nonperforming Loans, Macroeconomic Determinants,
In the recent past, the global financial crisis and the subsequent recession in many developed countries have increased households’ and firms’ defaults, causing significant losses to the banks. Case of Sri Lanka is no difference. The changes in the economic conditions are believed to have a critical role to play in determining the level of nonperforming loans. Regulators all over the world have started to pay more attention to the credit quality of the Banks and strengthened the regulatory frameworks. This paper attempts to study the macroeconomic determinants of banks’ loan quality in Sri Lanka by analyzing secondary data over the period 1998–2014. The methodology to be adopted for the study was arrived at upon careful review of the literature and following the empirical studies conducted on the determinants of the nonperforming loans. The finding of the analysis is that, out of the six determinants, GDP growth rate and the Export Growth are significant in determining the level of the NPLs in the Sri Lankan banking sector. The relationship of the GDP with the NPL is found to be positive which is not consistent with the majority of the empirical findings
Keywords: Nonperforming Loans, Macroeconomic Determinants,
In the recent past, the global financial crisis and the subsequent recession in many developed countries have increased households’ and firms’ defaults, causing significant losses to the banks. Case of Sri Lanka is no difference. The changes in the economic conditions are believed to have a critical role to play in determining the level of nonperforming loans. Regulators all over the world have started to pay more attention to the credit quality of the Banks and strengthened the regulatory frameworks. This paper attempts to study the macroeconomic determinants of banks’ loan quality in Sri Lanka by analyzing secondary data over the period 1998–2014. The methodology to be adopted for the study was arrived at upon careful review of the literature and following the empirical studies conducted on the determinants of the nonperforming loans. The finding of the analysis is that, out of the six determinants, GDP growth rate and the Export Growth are significant in determining the level of the NPLs in the Sri Lankan banking sector. The relationship of the GDP with the NPL is found to be positive which is not consistent with the majority of the empirical findings
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Liyanagamage, Champika. "Determinants of Financial Sustainability of Financial Intermediaries." International Journal of Finance & Banking Studies (2147-4486) 10, no. 1 (January 11, 2021): 01–10. http://dx.doi.org/10.20525/ijfbs.v10i1.996.
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This paper provides interesting insights into the practices of banks and institutional setting in Sri Lanka. The sustainability and stability of banks that makes up an economy’s banking system should be sound at all time. This paper aimed at analyzing the determinants of banking sector stability in Sri Lanka. The study used a broad set of macro and bank level data covering 22 commercial banks for the period 1996-2016. The fixed effect GLS panel data model tested in this paper sets the relationship between bank stability measure; Z-score and business environment which includes bank characteristics and the elements of macro environment. The analysis of the study revealed lower level of Z-scores and thus lower level of bank stability, indicating a higher risk associated with the commercial banking sector in Sri Lanka. From among the variables tested, strong evidence was found for a positive effect of bank efficiency on bank stability and a negative effect of credit growth on bank stability. At macro level, bank stability is promoted at a higher rate when the economy is more developed and stable. The results imply that efficiency of commercial banks needs to be further improved and regulatory and policy environment should be strengthened to manage the credit growth at the bank level. Further, it is suggestive to strengthening bank supervision and other financial infrastructure in order to ensure sustainability of the banking sector. Thus, the present paper contributes the current banking literature by unveiling the explicit and unforeseen economic implications associate with individual bank operations and macro imbalance which are particularly unique in underdeveloped countries.
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Khan, Muhammad Arshad, and Ather Maqsood Ahmed. "Conducting Monetary Policy in South Asian Economies: An Investigation." Pakistan Development Review 55, no. 3 (September 1, 2016): 161–90. http://dx.doi.org/10.30541/v55i3pp.161-190.
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Monetary policy which until recently aimed at targeting monetary aggregates has quietly given way to adjusting interest rates. Most of the Central Banks now focus on money reaction function that directly targets inflation or price level. This paper examines the way monetary policy is being conducted in the four major South Asian economies, namely, Bangladesh, India, Pakistan and Sri Lanka. The analysis is based on a variant of the Taylor rule framework. Using quarterly data over the period 1990Q1 to 2012Q4, the study finds that the monetary authorities in India, Pakistan and Sri Lanka have accommodated some degree of inflationary pressure, whereas Bangladesh has continuously smoothened interest rate while setting its monetary policy. Besides pursuing a mild monetary policy stance against inflation, India, Pakistan and Sri Lanka are also giving importance to foreign interest rate and real exchange rate movements to justify their relevance in monetary policy setting. However, the same has not been found to be true for Bangladesh. JEL Classification: E52, E58, E60 Keywords: Monetary Policy Rule, Central Banks, SAARC Countries
10
Perera, W. S. Navin. "An Analysis of the Behaviour of Prime Lending Rates in Sri Lanka." Asian Journal of Economics and Empirical Research 5, no. 2 (December 5, 2018): 121–38. http://dx.doi.org/10.20448/journal.501.2018.52.121.138.
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The prime lending rate is the rate at which commercial banks loan funds to their most creditworthy customers, and hence, is usually lower than other market lending rates; reason why it is considered a “base or reference rate”. In Sri Lanka, the Central Bank of Sri Lanka (CBSL) has been compiling the Average Weighted Prime Lending Rate (AWPR) since January 1986. This paper examines the determinants of prime lending rates in Sri Lanka using weekly data from January 2004 to June 2013, while attempting to capture any asymmetries in prime rate changes to monetary policy decisions. Empirical evidence suggests that the prime rate is highly persistent, while the call money rate also remains a key determinant. However, domestic liquidity was statistically insignificant and even if it was, it has only a marginal impact in determining the prime lending rate. Furthermore, there is also evidence of asymmetric adjustment in AWPR.
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H.M.R.S.S., Gunawardana, D. Kulathunga, and W. L. M. V. Perera. "Impact of Self Service Technology Quality on Customer Satisfaction: A Case of Retail Banks in Western Province in Sri Lanka." Gadjah Mada International Journal of Business 17, no. 1 (April 27, 2015): 1. http://dx.doi.org/10.22146/gamaijb.6147.
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Rapid technological advancement in the banking environment drives Sri Lankan banks to adopt self-service technologies to deliver services via SMS banking, Internet banking and telephone banking facilities, Automated Teller Machines (ATM) etc. This study explored the perceived quality of the self-service technology of these services and its effect on customer satisfaction. The literature survey and in depth interviews helped to formulate quality dimensions: security, efficiency, eases of use, reliability and convenience and those dimensions were assessed through a questionnaire. This study surveyed 215 customers from branches of six dominating commercial banks located in Western Province of Sri Lanka. Data were subjected to Principal Component Analysis and retained factors were regressed using multiple regressions to assess the impact of quality dimensions on customer satisfaction. The results revealed that reliability and convenience have positive impacts on customer satisfaction but efficiency has a negative effect.
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Imran Hunjra, Ahmed, Qasim Zureigat, Tahar Tayachi, and Rashid Mehmood. "Impact of non-interest income and revenue concentration on bank risk in South Asia." Banks and Bank Systems 15, no. 4 (October 30, 2020): 15–25. http://dx.doi.org/10.21511/bbs.15(4).2020.02.
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Banks not only rely on the traditional way of generating income, they also opt for non-interest income (NII) to survive in a competitive environment. Banks in South Asia are diversifying their income from interest to non-interest sources in order to reduce risk and generate high returns. This study examines the impact of non-interest income (NII) and revenue concentration on banks’ risk in South Asian countries such as Pakistan, Sri Lanka, India and Bangladesh. Panel data for eighty-five banks from 2009 to 2018 is used. Generalized Method of Moments (GMM) is employed to analyze the data. The study finds that non-interest source income and revenue concentration significantly affect bank risk in the overall analysis. The study finds different results depending on the regulations and application of the regulatory system in each country. Non-interest income reveals a significant impact on bank risk for Pakistan, India and Bangladesh, but insignificant for Si Lanka. Revenue concentration has a significant effect on bank risk in Pakistan and India, however, it does not affect bank risk in Sri Lanka and Bangladesh. This study recommends that bank managers focus on different sources of revenue generation in order to minimize their level of risk through a diversification strategy to enhance efficiency. This study contributes to the banking sector literature of South Asian markets.
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Arasyid, Harun, and Rinda Siaga Pangestuti. "Pengukuran Risiko Sistemik di Negara-negara Berkembang ASIA-7." Ekonomis: Journal of Economics and Business 4, no. 1 (March 19, 2020): 183. http://dx.doi.org/10.33087/ekonomis.v4i1.85.
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The research on systemic risk is important to carry out in view of the alleged repetition of the eight-year crisis cycle affecting the market. The data of average stock returns calculation in almost all sample countries was negative in 2011 and repeated again in 2019 that the average banking stock returns in Malaysia, Thailand, the Philippines, Pakistan, and Sri Lanka showed a negative value. Even since 2018, the Philippines, Pakistan and Sri Lanka have consistently been shown to experience negative average returns. Systemic risk measurement is done by two methods, namely ΔCoVaR and MES. Furthermore, this research is very supportive and has been in line with the research roadmap of Islamic University 45 which states that in 2018-2026 the academic research is more focused on the application of regional technology and social engineering models that instead the products in the form of policies to then develop international standard research. In this study, the sample of countries used covers the Asian region, the topic discussed is a very important issue in the financial sector considering that systemic risk cannot be eliminated. In general, there are three findings that are explained from the results of the ΔCoVaR calculation that: (a) most developing countries experienced a decrease in their contribution to systemic events after the 2008 global crisis period; (b) large banks make the biggest contribution to systemic events, except for banks in Malaysia both small and large banks make equal contributions to systemic events; (c) There is a potential for systemic event to increase after 2019 that the contribution to systemic events by individual banks in the Philippines, Indonesia, Sri Lanka show an upward trend in the past year so that risk mitigation measures need to be taken in the form of policies and analysis of banking financial performance and global economic conditions. Based on the overall MES calculation the bank contributes more than 50% of potential systemic events to the system.
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Fernando, H. E. K., and T. M. J. A. Cooray. "Determinants of Banking Performance of Licensed Specialised Banks in Sri Lanka: A Time Series Analysis." International Journal of Scientific and Research Publications (IJSRP) 9, no. 12 (December 24, 2019): p9668. http://dx.doi.org/10.29322/ijsrp.9.12.2019.p9668.
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Ajanthan, Dhanushanthini. "Customers’ adoption and use of E-Banking Services: A study in public commercial Banks, Sri Lanka." SAARJ Journal on Banking & Insurance Research 7, no. 2 (2018): 29. http://dx.doi.org/10.5958/2319-1422.2018.00008.5.
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Konalingam, Kajenthiran, Umanakenan Ratnam, Achchuthan Sivapalan, and Miresh Naveen. "Enhancing Customer Loyalty Through E-Banking Practices." Business Management and Strategy 8, no. 2 (October 25, 2017): 45. http://dx.doi.org/10.5296/bms.v8i2.12054.
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Enhancing customer loyalty serves as a basic strategy for gaining competitive advantage in the banking industry and enables bankers to make a loyal customer base. The purpose of this work is to propose and empirically investigate a comprehensive mechanism for enhancing customer loyalty to banks via e-banking practices. A questionnaire derived from previous studies and the relevant literature was completed by 472 bank customers in Jaffna city, Sri Lanka. Multiple regression analysis was performed to test hypotheses. The results indicated that customer loyalty was influenced by content & website layout, privacy & security, and accessibility. The findings of this paper contribute to previous research by adding to existing knowledge relating to e-banking practices and customer loyalty in banking industries.
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Gul, Shah, Wasar Khan, and Syeda Anam Hassan. "Performance Analysis of Public Sector Banks: A Comparative Study of Major SAARC Countries." Journal of Economic Info 1, no. 3 (July 31, 2014): 1–5. http://dx.doi.org/10.31580/jei.v1i3.108.
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Sustainable financial development is crucial for the development of the economy as a whole Banking is a major component of the financial system. The financial sector plays a role in facilitating investment and long term economic growth, and currently accounts for about eight percent of gross domestic product (GDP). This study attempts to analyze the efficiency of public banks of four major SAARC countries. For this purpose data from 2007 to 2011 have been taken. The main objective of this comparative study is to analyze the financial performance of public banks of major countries (Pakistan, India, Bangladesh and Sri Lanka) of South Asian Association Regional Cooperation (SAARC) from the period 2007-2011.The results show some conclusive remarks along with sound policy implication in the context of SAARC region.
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Kandeepan, Visvanathan, Ramakrishnan Vivek, and Tharani Seevaratnam. "Impact of Organizational Citizenship Behaviour on Service Quality in Banking Sector, Vavuniya District." Shanlax International Journal of Management 7, no. 2 (October 3, 2019): 1–13. http://dx.doi.org/10.34293/management.v7i2.636.
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Purpose: The purposes of this research is to analyze the impact of Organizational Citizenship Behaviour on the Service Quality in the Banks in Vavuniya District, Sri Lanka.
Design/Methodology/Approach: Closed questionnaires were used for measuring the Organizational Citizenship Behaviour and Service Quality of banking sector. Questionnaire were distributed and collected in Vavuniya district. The conclusion were drawn from Regression analysis, ANOVAs and Pearson correlation.
Findings: Result revealed that although Organizational Citizenship Behaviour had significantly positive relationship with Service Quality it had not exerted significant impact on Service Quality.
Practical implication: The research has implications in the efforts taken by the Banks in improving the service quality and organizational performance through employees.
Originality/ value: The bank managers , government and the other stakeholders are expected to realize the importance of Organizational Citizenship Behaviour (OCB) and build a good customer relationship and improve the service quality in the current context of emerging many new financial institutions.
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Dayarathna, Dushar Kamini, Peter John Dowling, and Timothy Bartram. "The effect of high performance work system strength on organizational effectiveness." Review of International Business and Strategy 30, no. 1 (December 11, 2019): 77–95. http://dx.doi.org/10.1108/ribs-06-2019-0085.
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Purpose This paper aims to examine the implications of high performance work system (HPWS) strength from a managerial perspective and the impact of economic, cultural, political, legal and technological factors on the operationalization of HPWSs in the banking industry in Sri Lanka. Design/methodology/approach The data for this study were collected from three licensed commercial banks in Sri Lanka. This research used a case study approach for data collection with archival analysis of records and semi-structured interviews with the CEO, head of HR, two board members and three focus groups (top, middle and lower level managers across various functional areas) in each bank which altogether covers 66 key informants. Findings The findings supported the research proposition that to gain positive outcomes on organizational effectiveness, there should be a strong HPWS, resulting in a positive attitudinal climate among employees. Further, the findings provide evidence of the global applicability of HPWSs, although more research is needed to clearly specify the contextual boundaries of HPWS effectiveness. Originality/value Contemporary research provides ample evidence to endorse the contribution of high performance work systems toward organizational effectiveness. However, there is a dearth of literature on how high performance work systems are operationalized across the management hierarchy and support the achievement of organizational effectiveness. Few studies have been conducted on high performance work system strength and organizational effectiveness in emerging economies.
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Abeygunawardana, Kishan, Chandranath Amarasekara, and C. D. Tilakaratne. "Macroeconomic Effects of Monetary Policy Shocks." South Asia Economic Journal 18, no. 1 (March 2017): 21–38. http://dx.doi.org/10.1177/1391561416673507.
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This study examines the impact of monetary policy shocks on output, prices and interest rates in Sri Lanka during the period 2003–2012. It finds a strong transmission of policy rate shocks onto the money market rates and the government securities market yields. However, banking sector interest rates exhibit a smaller and slower impact compared to money and government securities market rates. The study also finds a weak policy interest rate transmission onto the real sector and prices. The direction of relationships between variables and policy shocks is in conformity with the existing theoretical and empirical priors. The existence of a large informal economy, volatile excess market liquidity, shallowness of financial markets, relatively less flexible interest rates on deposit and loan products, and fiscal accommodation by monetary policy at times are identified as reasons for weak transmission.
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Alvi, Muhammad Amir, Amir Rafique, and Khurram Shehzad. "Financial inclusion and bank stability controversy: Evidence from South Asian region." International Journal of Financial Engineering 07, no. 04 (September 29, 2020): 2050038. http://dx.doi.org/10.1142/s2424786320500383.
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Despite a substantial growth in efficiency and profitability, South Asian region’s well-established banking system is likely to be incapable to grasp wide sections of the population, particularly the deprived ones. Numerous studies revealed that financial inclusion impact bank stability, but no significant empirical study has been made on the economies of South Asian region. The aim of the study is to explore the impact of financial inclusion on bank stability across South Asian region using data from 88 commercial banks from four economies (Bangladesh, India, Pakistan and Sri Lanka) over the period of 2012–2018. Results using two-step system GMM suggest that an increase in financial inclusion enhances bank stability across economies of South Asian region. This study contains some significant policy implications to generate real opportunities for financial inclusion to improve bank stability.
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HAMEED, MUHAMMAD REEHAN, GHULAM SARWAR, and MUHAMMAD ABDULLAH. "Impact of Public Debt, Lending Interest Rate, Public Spending and Money Supply on Private Consumption in South Asian Countries: An Econometric Analysis." International Review of Management and Business Research 9, no. 4 (December 7, 2020): 402–10. http://dx.doi.org/10.30543/9-4(2020)-34.
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The public debt of South Asian countries has witnessed a continuous increase from the last three decades which has badly affected the household private consumption expenditures. High public debt can lead to steep losses for banks, both domestic and international, undermines the stability of financial systems in both the crisis-hit country and others. This can hit economic growth as well as private consumption. The purpose of this study is to examine the impact of public debt on private consumption in South Asian countries i.e. Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan, and Sri Lanka. Besides public debt, the impact of some other important macroeconomic, fiscal, and monetary variables like lending interest rate, public spending and money supply have also been examined. For this purpose, 31 years of panel data from 1990 to 2020 of South Asian countries have been taken. The study has used a variety of econometric techniques like Robust Least Square Regression, Panel Cointegration, Error Correction Model (ECM), Wald test, and Panel Fully Modified Least Squares (FMOLS) approach to examine the short-run and long-run relationship among the variables. The results of Robust Least Square Regression indicate that public debt discourages private consumption. The lending interest rate also badly affected private consumption. The other variables like public spending and money supply have a favorable impact on private consumption. The results of the Kao Residual Panel Cointegration Test and the Johansen Fisher Panel Cointegration Test indicate that there exists a long run relationship among the variables. The results of the ECM and Wald Test reveal that a long run and short-run causality is running from independent variables to the dependent variable respectively. The study recommends that by using monetary and fiscal policies effectively the private consumption and economic growth can be stimulated in the economy. Keywords: South Asia, Public Debt, Private Consumption, Lending Interest Rate Public Spending, Money Supply, Robust Least Square Regression, ECM, FMOLS, Wald Test.
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W.M.K.T, Dharmarathna, and Kumari D.A.T. "Factors Affecting Young Customers’ Saving Intention: An Integrative Review in Sri Lankan Context." Asian Journal of Interdisciplinary Research, April 12, 2021, 1–14. http://dx.doi.org/10.34256/ajir2121.
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Savings in banks or any other financial institution will be a key factor in raising the capital of any economy in the world. It will boost the economic growth when there is a higher savings portfolio in an economy. As a developing country, Sri Lanka looks forward to expanding the economy through the financial system to invest in development programs to mitigate financial shortages. The Central Bank of Sri Lanka is the principal financial institution that controls and oversees the entire financial system of the country through a variety of banking and financial institutions. The Sri Lankan financial system can be categorized as the banking sector, the non-bank finance and leasing sector, key traders, the micro-credit sector and the money brokerage industry. The banking industry in the financial system plays a major role in attracting client’s savings into the economy. Savings can be regarded as income for one person as well as an investment for future benefits. In this paper concentrating mainly on the savings intention of young people or clients in the Licensed Specialized Banks and affecting the factors concerning their intention to save. This study will pay attention on the impact of factors on savings intention of young customers in the given population to identify which factors have more or less effects on each factor. Identifying the impact of each is important to generalize the results of research virtually into the actual working environment. This will be useful for policy-makers, decision-makers or banking strategists to implement new plans and even alter their vision statements.
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Hapuarachchi, Chathura, and Ajantha Samarakoon. "Drivers Affecting Online Banking Usage of Private Commercial Banks in Sri Lanka." Asian Journal of Economics, Business and Accounting, December 3, 2020, 1–10. http://dx.doi.org/10.9734/ajeba/2020/v20i130314.
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Online banking is the compulsory condition to develop e-business within the world. The key objective of the study is to examine drivers affecting online banking facility usage of the private commercial banks in Sri Lanka. The researcher has selected five factors namely perceived risk, customers’ concern for privacy, customers’ value for online personalization, e-trust, and e-loyalty after considering previous studies and expert idea in the field. Five hundred questionnaires were distributed among the customers who attached to the seven main private commercial banks and living selected three prominent provinces of three prominent cities namely Kandy, Colombo & Galle in Sri Lanka. Although only two hundred fifteen questionnaires received from the online customers. One hundred ninety-six complete questionnaires used to the final data analysis. Descriptive statistics, correlation analysis and Multiple regression analysis utilized to analysis the data.
Data analysis result of the study shows that perceived risk, customers’ concern for privacy and entrust show the significant positive effect on online bank usage in Sri Lanka. E-loyalty and customers’ value for privacy also positively influence on online bank usage, however these two factors didn’t show the significant influence on online bank usage. Sri Lankan commercial banks should promote online bank usage by considering risk, customers’ concern for privacy and entrust. Moreover, online program designers should concern innovations and significant factors when they develop online bank platforms. Further, the researchers should conduct further research base on different cultures to identify the issues and significant factors that may influence on online banking usage.
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"Does Meaningful Work Fuel the Altruistic Behavior of Employees in the Contemporary World of Work? Evidence from Private Sector Banks in Sri Lanka." Journal of International Business and Management, June 21, 2021. http://dx.doi.org/10.37227/jibm-2021-05-831.
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In the modern era, infinite selfless behavior patterns of employees play a central role in founding a great place of work. But it is hard to expect altruistic behaviors from employees as the game of business is frolicked in a dynamic and competitive arena. Surprisingly, most employees were concerned only about themselves and over-utilized the COVID-19 catastrophe to rationalize their egotistic behaviors. However, scholars found that employees who demonstrate altruistic behaviors are more likely to be optimistic and cheerful than egocentric employees. Hence, employers need to discover appropriate strategies to nurture altruistic behaviors at the workplace. Nowadays, employees have an inner desire to accept tasks, duties, and responsibilities which add more meaning to their work lives. No matter what the situation is, meaningful work can maintain the employee’s momentum even during a crisis. Scholars have proved that meaningful work is a significant contributor to altruistic behavior in the workplace. Hence, this study investigated the impact of meaningful work on altruistic behavior with special reference to private sector banking employees in Sri Lanka. Researchers conducted this study in a quantitative perspective along with the positivism philosophy, deductive approach, and survey strategy. Through convenience sampling, data were collected from 149 private sector banking employees in Sri Lanka. Based on the regression analysis, researchers proved that meaningful work could create 34.1% of an effect on employee’s altruistic behavior. Hence, it is evidenced that when employees receive meaningful work, they are intrinsically inspired to exhibit altruistic behaviors at the workplace. Keywords: Altruistic Behavior, Meaningful Work, Private Sector Banking Employees, Sri Lanka
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Siyambalapitiya, P., and V. Sachitra. "Role of Occupational Stress and Organizational Stress towards Job Satisfaction: A Study Based on Banking Sector Employees in Sri Lanka." Asian Journal of Education and Social Studies, March 6, 2019, 1–12. http://dx.doi.org/10.9734/ajess/2019/v3i330100.
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Aims: Occupational stress, organizational stress, common occurrences among various professions worldwide, is regarded as a major psychological problem for banking employees. The aims of the study were to identify the relationship between occupational stress and job satisfaction among employees in banking sector of Sri Lanka, to identify the relationship between organizational stress and job satisfaction among employees in banking sector of Sri Lanka and to ensure whether there any differences of the occupational stress, organizational stress and job satisfaction with respect to private and public banks, gender and working experience.
Methodology: A non-experimental correlational design was used in the study. A total of 200 banking employees from 6 banks completed the banking employees Stress Index, the Job Satisfaction Survey.
Results: Study findings demonstrated that there were significant positive relationships between organizational stress and job satisfaction and between occupational stress and job satisfaction there was no any significant relationship. There were significant differences in levels of job satisfaction, between male and female banking employees. Male banking employees reported higher levels of job satisfaction. Working experience wise and sector wise, there was not any significant level of differences among organizational stress and occupational stress.
Conclusion: Future research is needed to examine best practices for human resource managers to improve banking employee motivation and job satisfaction of banking employees.
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De Chickera, G. K. Suren W., and Liu Qi. "Small Earnings Changes by Using Fair Value Measurement: Evidence from the Banking Industry of Sri Lanka." Asian Journal of Economics, Business and Accounting, March 16, 2019, 1–13. http://dx.doi.org/10.9734/ajeba/2019/v10i430111.
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One of the most serious concerns presently facing the accounting profession is the growing complexity, extension, and significance of issues adjoining fair value measurements. The fair value accounting is liable for enhancing financial destruction. This research study the samples of licensed commercial banks and the financial institution listed under Colombo stock exchange to examine the association between the fair value accounting and the small earnings increase reported by the banks attributable to earnings management. We used the statistical methodology follow by Beatty et al. [1] to test the banks reported fair value assets and liabilities associated with bank report small earnings increase. We use both the current year and one-year ahead data after controlling discretionary provision for loan loss, discretionary security gains and losses and other features of banks. We found evidence that; banks reported fair value assets and liabilities are positively associate with bank reported small earnings increase. We further use the fair value hierarchy; to identify which level of fair value assets and liabilities associated with bank reported small earnings increase and we found the evidence that the level 2 fair value assets and liabilities are a predominant determination for the association between banks reported fair value assets and liabilities associated with bank report small earnings increase. The assets available-sales report under fair value is the primary use of item earnings management and the level 2 fair value assets and liabilities to reporting smooth earnings over the periods. Therefore, consistent with past research and present us, banks use the fair value measurements to manage the earnings.
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C, Kuruppu, Jayawardena A, Weerasinghe S, Samarathunga D, and Mihipal R. "Senior Citizens’ Intention to use Digital Banking (With special reference to selected Commercial Bank in Sri Lanka)." Global Journal of Management and Business Research, October 17, 2019, 25–29. http://dx.doi.org/10.34257/gjmbrcvol19is6pg25.
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This paper examines Senior Citizens’ intention towards using digital banking in a context where there is a rapid development in online banking systems in Sri Lanka. It was revealed that most of the Senior Citizens are away from the digital banking platform even though bank has made huge investments for the implementation of the digital banking systems. Therefore, the aim of this research is to investigate the impact of perceived usefulness and perceived ease of use, on the behavioral intention of Senior Citizen to use the digital banking system with the application of Technology Acceptance Model (TAM). The structured questionnaire used as the main instrument in gathering primary data from 200 respondents from 20 branches of the selected commercial banks using convining sampling method. This study investigated that there is a positive relationship between perceived usefulness and beheviroal intention, also between perceived ease of use and beheviroal intention.
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de Mel, Suresh, Craig McIntosh, Ketki Sheth, and Christopher Woodruff. "Can Mobile-Linked Bank Accounts Bolster Savings? Evidence from a Randomized Controlled Trial in Sri Lanka." Review of Economics and Statistics, August 10, 2020, 1–45. http://dx.doi.org/10.1162/rest_a_00956.
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We introduce a new mobile money interface that permits Sri Lankans to deposit mobile airtime balances directly into a formal bank account. Randomizing access and prices, we find a small increase in savings deposits with the partner institution and formal banks more generally, but no change in overall savings. When the deposit transaction costs are completely removed, only 26 percent use the mobile deposit service, and only 7 percent use it frequently. Our results imply that deposit transaction costs are not a significant barrier to increasing savings, limiting the potential gains of mobile-linked savings products for financial inclusion.
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Mohamed Haniffa Mohamed Nairoos, RM. Risly, and Uthuman Kandu Mohammed Muhees. "APPLICATION OF AGRICULTURAL LOAN IN MUSLIM COMMUNITY: A STUDY BASED ON KEKIRAWA DIVISIONAL SECRETARIAT OF ANURADHAPURA IN SRI LANKA." EPRA International Journal of Multidisciplinary Research (IJMR), September 13, 2021, 142–48. http://dx.doi.org/10.36713/epra8442.
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Agriculture plays most important role in Sri Lankan economy like some other developing nations in South Asia such as India, Bangladesh, Pakistan, Nepal and Bhutan. In this way, the agricultural farming sector is identified as a key tool for the economic development in Sri Lanka and it helps to effectively utilize the invaluable resources of the country such as green lands and appropriate climate as it should be and to significantly boost the wealth of the country as well. Furthermore, as it helps to expand the level of GDP, the Interest rates as well as the inflation rates are mostly estimated at present depending on the level of agricultural cultivation sector in the country. It is noteworthy to point out at this occasion that as Sri Lanka is mainly an agricultural nation the most people are involving in individual and joint venture farming activities. At the same time, it is also very important to mention here that most people who involve in agricultural cultivation reach the banks and financial institution for the purpose of getting loans to meet their agricultural financial needs. In this context, this research aims to identify the loan systems which are implemented in agricultural sector among the Muslim community, especially among Muslim farmers who are living in Kekirawa divisional secretariat in Anuradhapura district. The research would be extremely significance due to there is no sufficient previous studies find concerning with agricultural loan systems among Muslim community in particular research area in Sri Lanka. This research is designed as mixed method with the inclusion of qualitative and quantitative data which collected in term of finding the correct solutions and providing appropriate recommendations. The findings of the research reveals that the farmers who live in Kekirawa divisional secretariat of Anuradhapura do not depend and connect with banks or other financial institutions to get any advances, but they use to fulfil their needs of capital for farming from money lenders, shopkeepers, friends relatives and NGOs. Therefore, the system should be introduced under the Islamic banks and financial institutions to promote the Shariah compliance products and interest free loan systems not only for Muslim farmers but also to all citizens who wish to involve in agricultural cultivations. Moreover, NGOs and shopkeepers who provide agricultural credit services should be adapted in accordance with the Islamic Shariah compliance. KEY WORDS: Agriculture, Loan Systems, Farmers, Kekirawa. Shariah Compliance, Islamic Banks
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De Chickera, G. K. Suren W., and Liu Qi. "Accounting Rules on Loan Losses and Security Gains Contribute to Earnings Management for the Banking Industry in Sri Lanka." South Asian Journal of Social Studies and Economics, April 24, 2019, 1–16. http://dx.doi.org/10.9734/sajsse/2019/v3i330104.
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One of the most serious concerns presently facing the accounting profession is the growing complexity, extension, and significance of issues adjoining fair value measurements. Many researchers and practitioners criticized the fair value accounting and blame for it causing economic failure. This paper studies licensed commercial banks and the financial institution listed under the Colombo stock exchange to examine the association between fair value accounting and earnings management. In this research, we are examining the provisions for loan loss and discretionary security gains and losses by introducing the fair value assets and liabilities. We used the statistical methodology followed by Beatty et al. (2002) to test the banks reported fair value assets and liabilities associated with provisions for loan loss. We test several robustness tests and sensitivity analysis for our research design. We use both the current year and one-year ahead data test the provision for loan loss, discretionary security gains, and losses after controlling bank-specific features. We found evidence that; banks reported fair value assets and liabilities are positively associate with provision for loan loss. We found the evidence that the level 2 fair value assets and liabilities are a predominant determination for the association between provisions for loan loss. Our evidence is consistent with past research and persuades us that banks use fair value measurements to manage the earnings.
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A. S. A. A, Hussaien, Sivathmajasarma J, Abeysekara A. M. K, Hansani H. L. U, S. Thelijjagoda, and W. D. N. Madhavika. "Service Quality and Customer Satisfaction in Banking Sector during COVID-19 – An Empirical Analysis of Sri Lanka." Global Journal of Management and Business Research, November 23, 2020, 23–29. http://dx.doi.org/10.34257/gjmbrbvol20is11pg23.
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The study is an out breaking study in the context of COVID-19; since this examined the gap between customer perception and service quality of banking sector of Sri Lankan during the COVID-19. As community spread of the coronavirus (COVID-19) proliferates, alternatives to in-person banking and physical exchanges are looking more and more attractive. Further; the World Health Organization (WHO) has advised people to use contactless payment and avoid handling banknotes as much as possible, since the coronavirus may continue to live on banknotes for days, accelerating spread of the disease(World Health Organization, 2020). The study employed the SERVQUAL model (Parasuraman et al. 1985),which is used to measure customer satisfaction, and the effect of these dimensions (tangibles, responsiveness, empathy, assurance and reliability, access) on customer satisfaction was measured. For each dimension how the banks had ensured the quality during the pandemic was identified using primary and secondary sources and its relationship to the customer satisfaction was empirically tested.
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Sandanayaka, S. T. D., and E. A. G. Sumanasiri. "Does Gender Representation at Decision Making Levels Matter for Better Financial Performance of Local Licensed Commercial Banks in Sri Lanka?" Asian Journal of Economics, Business and Accounting, May 31, 2021, 32–49. http://dx.doi.org/10.9734/ajeba/2021/v21i730400.
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Aim: Female representation in top corporate positions has been discussed widely around the world over the last decade, mainly due to the significant gap observed between the number of females with higher educational qualifications and the number of females in employment. Accordingly, this study aims to identify the relationship between the female presence within boardrooms and top management teams of local licensed commercial banks and the financial performance of those banks, which is a timely concern.
Place and Duration of Study: Amana Bank PLC, Commercial Bank of Ceylon PLC, DFCC Bank PLC, Hatton National Bank PLC, National Development Bank PLC, Nations Trust Bank PLC, Pan Asia Banking Corporation PLC, Sampath Bank PLC, Seylan Bank PLC, and Union Bank of Colombo PLC were studied during the time period 2011 to 2019.
Methodology: The time series data analysis method has been used for 10 local licensed commercial banks in Sri Lanka, excluding one bank which was not a PLC. The annual reports of the respective banks were used to gather the secondary data required for the study.
Results: The regression analysis explained that female presence within boardrooms is positive and significant with respect to ROE and positive and insignificant with respect to ROA, whereas females in top management has a positive but insignificant relationship to ROA and a negative but insignificant relationship to ROE. The percentage changes in ROE and ROA explained by the two independent variables are relatively low. Accordingly, no significant relationships between female presence within boardrooms and top management teams and firm financial performance were identified.
Conclusion: The insignificant relationships between the variables indicate that it is not necessary for these banks to employ females in order to prosper in their financial performance. However, the banks could still consider employing females in the boardroom to empower gender equality since such a presence does not have a negative impact on financial performance.
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Priyangika, R. D., M. S. S. Perera, and D. P. Rajapakshe. "An Empirical Investigation on Customer Attitude and Intention Towards Internet Banking: A Case of Licensed Commercial Banks in Colombo District, Sri Lanka." SSRN Electronic Journal, 2016. http://dx.doi.org/10.2139/ssrn.2910306.
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Hunjra, Ahmed Imran, Asad Mehmood, Hung Phu Nguyen, and Tahar Tayachi. "Do firm-specific risks affect bank performance?" International Journal of Emerging Markets ahead-of-print, ahead-of-print (November 4, 2020). http://dx.doi.org/10.1108/ijoem-04-2020-0329.
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PurposeThe authors examine the impact of credit, liquidity and operational risks on the financial performance of commercial banks of South Asia.Design/methodology/approachData are extracted from DataStream of 76 commercial banks of four countries, i.e. Pakistan, India, Bangladesh and Sri Lanka for the period 2009–2018. The generalized method of moments (GMM) is used to analyze the results.FindingsAll three risks are significantly associated with financial performance. The authors find that Z-score positively affects the bank performance, whereas the nonperforming loans (NPLs) ratio has a negative impact on financial performance of bank. Liquidity risk analyses show the current and loan-to-deposit (LTD) ratios positively and negatively, respectively, affect financial performance. While operational risk positively affects financial performance. The authors further present the significant effects of joint occurrence of credit and liquidity risks on financial performance.Practical implicationsFor managing credit risk, banking management should ensure the policies for granting loans and timely reimbursement of the loan installments from customers. Bank managers should regularly monitor the liquidity position by maintaining the necessary levels of loans and deposits. Management should retain a healthy capital charge to meet operational risks.Originality/valueCredit, liquidity and operational risks are considered the most important categories of risk which are faced by financial institutions. To the best of the authors’ knowledge, this is the first study which investigates the impact of these risks on banks’ financial performance in selected South Asian countries. The results of this study have relevance and probable generalizability about the impact of risks on the performance of banks in emerging markets.
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"Mobile Apps Business Design and Development for Integrated Waste Management." International Journal of Recent Technology and Engineering 8, no. 3 (September 30, 2019): 7091–99. http://dx.doi.org/10.35940/ijrte.c6078.098319.
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The conditions in Indonesia are specifically described in the research results of Jenna R Jambeck and friends [1] stated that Indonesia was in second place contributing plastic waste to the sea after China, followed by the Philippines, Vietnam and Sri Lanka. Waste Bank is local wisdom initiative from Indonesia for the waste management. Waste banks are established in a special environment for around 1,000 residents and are usually managed by people and targeted to people who want to increase their income. Bank customers bring all non-organic waste to banks that are treated as deposits. Transactions are recorded preferably in the bank book that the customer keeps or alternates in the list stored by the bank. Many banks also accept organic waste while the rest support composting at home. Waste banks sell materials stored to agents or ultimately to waste bank central developed by government and supplied to company for reuse or recycling. So, waste deposits are converted into money that can be withdrawn when needed after a contribution of around 10% to 15% is reduced for bank operational costs. Community empowerment through the concept of a waste bank still needs the support of infrastructure and information technology facilities and profitable partnerships. The empowerment program for the citizens were conducted through counseling, education, training with as well as dialogue with the citizens in the targeted community. The community waste bank will not have the potential to grow without the involvement and support from the stakeholders. It becomes important to develop model and implement the partnerships, networking and institutional cooperation mechanism between the community, waste bank management, institution, business and government. The integrated partnership on waste management with system information support can generate creativity and innovation as well as to improve the welfare of the community. This paper discuss about designing mobile apps business development for integrated waste management system. It’s a proposed design model for apps and business model for waste management in Indonesia and other developing country.