To see the other types of publications on this topic, follow the link: Banks and banking – Zimbabwe.
Journal articles on the topic 'Banks and banking – Zimbabwe'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 journal articles for your research on the topic 'Banks and banking – Zimbabwe.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.
1
Abel, Sanderson, Alex Bara, and Pierre Le Roux. "Evaluating Bank Cost Efficiency Using Stochastic Frontier Analysis." Journal of Economics and Behavioral Studies 11, no. 3(J) (July 18, 2019): 48–57. http://dx.doi.org/10.22610/jebs.v11i3(j).2868.
Full textAbstract:
The study seeks to assess the cost efficiency of the commercial banks in Zimbabwe using the stochastic frontier analysis. The cost efficiency of the Zimbabwean banks is estimated using the trans-log stochastic frontier approach. The Stochastic Frontier Analysis methodology is among the host of methods that has been used to measure banking sector efficiency. The analysis of cost efficiency of commercial banks has important implications for the economy since an efficient banking system has potential to reduce interest rates which can lead to increased investment and growth for the economy. The cost of doing business in Zimbabwe is perceived to be high hence improved bank efficiency has the potential to reduce the cost of doing business. The average cost efficiency scores for the Zimbabwean banks over the study period show that the banking sector in Zimbabwe experiencing 17 percent inefficiency. The efficiency levels have been declining over the years reflecting increased resource wastage in the system. The study recommends that the banking institutions should continue to innovate so as to reduce their inefficiencies.
2
Chitimira, Howard, and Elfas Torerai. "The Nexus between Mobile Money Regulation, Innovative Technology and the Promotion of Financial Inclusion in Zimbabwe." Potchefstroom Electronic Law Journal 24 (June 29, 2021): 1–33. http://dx.doi.org/10.17159/1727-3781/2021/v24i0a10739.
Full textAbstract:
The advent of mobile money innovations has given people in rural areas, informal settlements and other poor communities an opportunity to participate in Zimbabwe's mainstream financial economy. However, the technology-driven money services have presented some challenges to the traditional banking sector in general and the regulation of financial services in particular. Firstly, most mobile money services are products of telecommunication corporations, which are not banks. Telecommunication companies use their network reach to provide mobile money services via mobile devices at a cheaper cost than banks across the country in Zimbabwe. As such, banks face unprecedented competition from telecommunications companies that are venturing into financial services. It also appears that prudential regulation of banks cannot keep up with the fast pace at which technological innovations are developing and this has created a disjuncture between the regulation and the use of technological innovations to promote financial inclusion in Zimbabwe. The Banking Act [Chapter 24:20] 9 of 1999, the Reserve Bank of Zimbabwe Act [Chapter 22:15] 5 of 1999 and the National Payment Systems Act [Chapter 24:23] 21 of 2001 have a limited scope in terms of the regulation of mobile money services in Zimbabwe. The Ministry of Finance and Economic Development launched the National Financial Inclusion Strategy (NFIS) 2016-2020 to provide impetus to the financial inclusion of the poor, unbanked and low-income earners in Zimbabwe. However, the NFIS appears to push more for bank-led financial inclusion than it does for innovation-driven initiatives such as mobile money services. This article highlights the positive influence of mobile money services in improving financial inclusion for the poor, unbanked and low-income earners in Zimbabwe. The article also seeks to point out gaps and flaws in the financial services regulatory framework that may limit the potential of mobile money services to reach more people so that they actively participate in the Zimbabwean economy. It is submitted that the Zimbabwean mobile money services regulations and the financial regulatory framework should be carefully amended in line with the recent innovations in mobile money to adequately regulate the use of mobile money services and innovative technology to address the financial exclusion of the poor, unbanked and low-income earners in Zimbabwe.
3
Dzomira, Shewangu. "Plastic Money and Electronic Banking Services Espousal vis-a-viz Financial Identity Theft Fraud Risk Awareness in a Developing Country." Journal of Economics and Behavioral Studies 9, no. 5 (October 21, 2017): 255–64. http://dx.doi.org/10.22610/jebs.v9i5.1928.
Full textAbstract:
Exploitation of plastic money coupled with electronic banking services has come as expediency to financial establishment customers in Zimbabwe. This paper sought to analyze plastic money and electronic banking services espousal vis-a-viz financial identity theft fraud risk awareness in Zimbabwe banking sector via banks’ websites. The theoretical underpinning for this study is Routine Activity Theory. The study used qualitative content analysis research technique for examination of the text content data through the consistent taxonomy process of coding and classifying themes or patterns to submit a painstaking considerate of financial identity theft fraud awareness by the banking sector in Zimbabwe. A sample size of 14 banks (including commercial, merchant and building societies) was used and the banks were arbitrarily chosen on the basis of website accessibility and ease of use of the data. The study findings suggest that there is very little financial identity theft awareness in Zimbabwe by the banking sector through their websites to the general public whilst there is amplified adoption of plastic money and electronic banking adoption. This study proposes a need to amplify the information and inform plastic card and electronic banking customers of the types of financial identity theft fraud. Plastic card and electronic banking is an urgent area to focus on for banking institutions and should inexorably capitalize in it. Financial identity theft information should be easily retrievable and conveyed in a manner that makes reasonableness to the varied customers.
4
Mugobo, Virimai, and Misheck Mutize. "The effects of shadow banking on the traditional banking system in Zimbabwe." Journal of Governance and Regulation 4, no. 4 (2015): 605–11. http://dx.doi.org/10.22495/jgr_v4_i4_c5_p5.
Full textAbstract:
The growth of shadow banks changed the face of banking in Zimbabwe. Their inconsistent product nature and complexity of form has been a cause for concern to regulatory authorities. The interrelationship between their financial intermediary role and that of formal banks has made them good substitutes to formal banking. This study conducts a statistical analysis of the country’s monetary aggregates and the total formal bank loan-to-deposits balances. The findings of this analysis show that the shadow banking system has always been a critical element of the formal banking sector which resulted from market needs and it completes the banking system. The shadow banking system does not pose direct threat to the formal banking system but it was a result of failure to attract savers who found shadow banks as a good alternative.
5
Mutize, Misheck, and Virimai Victor Mugobo. "Development of the shadow banking system in Zimbabwe: A blessing from the shadows?" Journal of Governance and Regulation 4, no. 4 (2015): 323–26. http://dx.doi.org/10.22495/jgr_v4_i4_c2_p4.
Full textAbstract:
The rising of shadow banking institutions in Zimbabwe has been very quick for formal banking institutions and regulators to strategise against the threats that came with their development. This study applied qualitative data analysis and find that, the growth of a shadow banking system was market driven. Lack of confidence and financial innovation on the mainstream banking system to structure financial products that improve intermediation gave space for shadow banking growth. In response to this development, the researcher recommended that regulatory focus should be on the functions of shadow banks rather than institutions; this will be more inclusive and efficient in avoiding innovative creation of new entities that perform the same shadow banking functions. Also, the Zimbabwean formal banking system should be innovative in-line with the development of the international banking models
6
Maune, Alexander. "Competitive intelligence as an important contributor to the growth of banks: A Zimbabwean perspective." Journal of Governance and Regulation 3, no. 3 (2014): 81–95. http://dx.doi.org/10.22495/jgr_v3_i3_c1_p2.
Full textAbstract:
This paper explores how competitive intelligence has been an important contributor of growth in banks in Zimbabwe and how the banks are making use of competitive intelligence for such growth. The paper used a descriptive cross-sectional research methodology. Data was collected through questionnaires and interviews. Purposive and stratified sampling methods were used. The paper found that most Zimbabwean banks have undertaken competitive intelligence in one way or another for strategic planning and better understanding the competitive business environment and competitors. The findings from this research will assist the entire banking sector and will be of great academic value.
7
Makanyeza, Charles. "Determinants of consumers’ intention to adopt mobile banking services in Zimbabwe." International Journal of Bank Marketing 35, no. 6 (September 4, 2017): 997–1017. http://dx.doi.org/10.1108/ijbm-07-2016-0099.
Full textAbstract:
Purpose The purpose of this paper is to investigate the determinants of consumers’ intention to adopt mobile banking services in Zimbabwe. Design/methodology/approach A survey of 232 bank customers was conducted in Chinhoyi, Zimbabwe, using a structured questionnaire with Likert-type questions. Customers were randomly intercepted as they walked out of five major banks. Structural equation modelling, independent-samples t-test and one-way ANOVA were used to test research hypotheses. Findings The study found that perceived usefulness, perceived self-efficacy, social influence, relative advantage and perceived compatibility all have a positive effect, whilst perceived risk has a negative effect on behavioural intention to adopt mobile banking services in Zimbabwe. Perceived ease of use, facilitating conditions, perceived complexity, perceived trialability, awareness-knowledge and demographic factors (gender, age, education and income) did not significantly influence behavioural intention to adopt mobile banking. Perceived ease of use was found to positively influence perceived usefulness, while perceived self-efficacy was found to have a positive effect on perceived ease of use. Behavioural intention was found to positively influence usage of mobile banking services in Zimbabwe. Research limitations/implications Data were collected from bank customers in Chinhoyi, one of the emerging towns in Zimbabwe. Future research should be expanded to include other major cities in Zimbabwe and other countries. More similar studies should be conducted to test the factors identified in literature in different contexts and markets and on other innovations. Practical implications The study advises banks to pay particular attention to perceived usefulness, perceived self-efficacy, social influence, relative advantage, perceived compatibility and perceived risk when designing new mobile banking services. Originality/value There is not a unified position regarding factors influencing mobile banking adoption. Factors vary with contexts, markets, time and types of innovations. The study tested some major factors identified in literature in the context of Zimbabwe.
8
Makoni, Patricia Lindelwa. "From financial exclusion to financial inclusion through microfinance: the case of rural Zimbabwe." Corporate Ownership and Control 11, no. 4 (2014): 447–55. http://dx.doi.org/10.22495/cocv11i4c5p2.
Full textAbstract:
This paper sought to shed light on the status of rural banking and financial exclusion in Zimbabwe. Various reasons put forth by existing commercial banks were examined to understand why a large population of the country remains unbanked. These ranged from perceptions of the rural communities being too poor to need financial services to real economic and business decisions. Various literature on banking the poor and success stories from other countries were discussed in the literature. To meet the objectives of the study, data gathered from various individuals, commercial banks and microfinance institutions based in Matabeleland North was analysed. It was found that the rural population is in fact largely bankable. However, due to inadequate basic infrastructure in the rural areas, it did not make business sense for established banks to service that population. Banks exist to make a profit and the burden of ensuring financial inclusion of the rural population was left mainly to microfinance institutions which however faced a serious of challenges ranging.
9
Makanyeza, Charles, and Lovemore Chikazhe. "Mediators of the relationship between service quality and customer loyalty." International Journal of Bank Marketing 35, no. 3 (May 15, 2017): 540–56. http://dx.doi.org/10.1108/ijbm-11-2016-0164.
Full textAbstract:
Purpose There is a dearth of studies that have investigated mediators of the effect of service quality on customer loyalty under the conditions prevailing in Zimbabwe; where bank customers’ confidence in the banking system has been dented by bank failures. Therefore, the purpose of this paper is to investigate the mediators of the effect of service quality on loyalty among bank customers in Zimbabwe. Design/methodology/approach A cross-sectional survey of 310 bank customers was conducted in Chinhoyi, Zimbabwe. A questionnaire with Likert type questions was used to collect data. Customers were randomly intercepted as they walked out of five major banks. Structural equation modelling was used to test the proposed relationships. Findings The study found that service quality, satisfaction and corporate image all have positive direct effects on loyalty. It was also found that satisfaction and corporate image all mediate the effect of service quality on loyalty. Research limitations/implications The study was conducted in Chinhoyi, one of the emerging towns in Zimbabwe. There is a need to conduct more similar studies in other parts of the world in future in order to have a better understanding of this subject. Practical implications Banks are advised to address issues to do with service quality, customer satisfaction and corporate image when designing marketing programmes intended to increase customer loyalty. Originality/value Studies that have investigated mediators of the relationship between service quality and customer loyalty in banking environments such as in Zimbabwe are scarce. This study was conducted to address this knowledge gap. Relationships among customer loyalty and its antecedents are not likely to change due to conditions prevailing in a particular banking environment.
10
Tsaurai, Kunofiwa. "An analysis of the sufficiency of credit risk management framework in the banking sector in Zimbabwe." Corporate Ownership and Control 10, no. 1 (2012): 515–20. http://dx.doi.org/10.22495/cocv10i1c5art3.
Full textAbstract:
The research investigates sufficiency of credit risk management policies of banks in Zimbabwe from 2000 to 2007 using the E-Views statistical software package. The regression model suggests that high non performing loans were due to inefficient management of the banks’ credit risk activities. An inverse relationship between non performing loans and credit risk management competency was also detected. The t-statistic for size of the bank was found to be closer to 1.5 and that shows the size of the bank has a bearing on both the level of non performing loans and the sufficiency of credit risk management frameworks. The author therefore recommends enough credit risk management frameworks be instituted in Zimbabwe banking sector to ensure financial sector stability.
11
Dzomira, Shewangu. "Electronic fraud (cyber fraud) risk in the banking industry Zimbabwe." Risk Governance and Control: Financial Markets and Institutions 4, no. 2 (2014): 17–27. http://dx.doi.org/10.22495/rgcv4i2art2.
Full textAbstract:
The paper explores forms of electronic fraud which are being perpetrated in the banking industry and the challenges being faced in an attempt to combat the risk. The paper is based on a descriptive study which studied the cyber fraud phenomenon using content analysis. To obtain the data questionnaires and interviews were administered to the selected informants from 22 banks. Convenience and judgemental sampling techniques were used. It was found out that most of the cited types of electronic fraud are perpetrated across the banking industry. Challenges like lack of resources (detection tools and technologies), inadequate cyber-crime laws and lack of knowledge through education and awareness were noted. It is recommended that the issue of cyber security should be addressed involving all the stakeholders so that technological systems are safeguarded from cyber-attacks.
12
Bara, Alex, and Pierre LeRoux. "Technology, Financial Innovations and Bank Behavior in a Low Income Country." Journal of Economics and Behavioral Studies 10, no. 4(J) (September 14, 2018): 221–34. http://dx.doi.org/10.22610/jebs.v10i4(j).2423.
Full textAbstract:
Technology has enabled banks to introduce new products that integrate markets, simplify operations and enable expansion of business at low cost, expand to new markets, take new risks and deepen their markets. Zimbabwe registered significant growth in adoption and diffusion of financial innovations over the past two decades, which coincided with a shift in the structure of credit portfolios of banks, and growth in credit as well as risk appetite. This study empirically evaluates the impact of financial innovations in influencing bank behaviour, specifically, portfolio structure risk appetite and delivery channels of banks in Zimbabwe. The study applied co-relational analysis, Fully Modified OLS and the Dynamic OLS estimation models as well as Autoregressive Granger causality approaches. Empirical results show that technology has the capacity to influence activities of banks in risk management, credit and delivery of banking service in lowincome countries. Precisely, financial innovation influences increase in credit towards previously high-risk areas, compositions of credit portfolios in banks and support growth in number of bank accounts. Causality was found to run from financial innovation to bank behaviour, and only in the long run.
13
Mlambo, Courage, David Mapondera, and Morris Tenderere. "Barriers And Challenges Restraining Zimbabwean Banks In Going Multinational." International Business & Economics Research Journal (IBER) 14, no. 2 (March 2, 2015): 297. http://dx.doi.org/10.19030/iber.v14i2.9111.
Full textAbstract:
This paper investigates the barriers and challenges restraining Zimbabwean banking institutions in going multinational. The paper drew attention from the fact that although multinational banking had increased drastically in the last two decades, Zimbabwean banks have failed to go multinational. Findings from this study indicate that cultural distance, government policy, information asymmetry, level of technology, legal and regulatory barriers and barriers to entry are the main challenges that restrain Zimbabwean banks from going multinational. The paper also examines policy options to address the challenges faced by Zimbabwean banks when going multinational.
14
Dzomira, Shewangu. "Digital forensic technologies as e-fraud risk mitigation tools in the banking industry: Evidence from Zimbabwe." Risk Governance and Control: Financial Markets and Institutions 4, no. 2 (2014): 116–24. http://dx.doi.org/10.22495/rgcv4i2c1art4.
Full textAbstract:
The paper investigates digital analytical tools and technologies used in electronic fraud prevention and detection, used in the banking industry. The paper is based on a descriptive study which studied digital forensics and cyber fraud phenomenon using content analysis. To obtain the data questionnaires and interviews were administered to the selected informants from 22 banks. Convenience and judgemental sampling techniques were used. It was found out that fraud detection and prevention tools and technologies would be most effective way of combating e-fraud if they can be utilized. It is concluded that banking institutions should reshape their anti-fraud strategies to be effective by considering fraud detection efforts using advanced analytics and related tools, software and application to get more efficient oversight.
15
Abel, Sanderson, and Pierre Le Roux. "Evaluating Market Power in the Zimbabwean Banking Sector." Journal of Economic and Financial Sciences 10, no. 2 (November 6, 2017): 274–91. http://dx.doi.org/10.4102/jef.v10i2.17.
Full textAbstract:
The study evaluates the nature of market structure, and the degree and determinants of market power in the Zimbabwean banking sector during the period 2009-2014. The study employs the Lerner Index approach method to assess the market power of banks. The Lerner Index approach assists in measuring the extent to which a bank has market power to set its price above marginal cost. The study results established that the banking sector operates under monopolistic competition, confirming that banks possess some market power in pricing their products. This is a result of the nature of products sold by the banking sector, which are differentiated but close substitutes. The study found that the market power of banks increased during the period and was derailed by the memorandum of association which was signed between banks and the central bank. The study established that market power is determined by capital adequacy, non-performing loans, liquidity risk, cost income ratio, economic growth, and regulatory interventions. The study recommends that the government should ensure that it puts in place measures that enhance economic growth and should desist from interfering with the operations of market forces.
16
Osifo, Osagie, and Esther Ikavbho Evbayiro-Osagie. "FOREIGN DIVERSIFICATION AND PERFORMANCE OF QUOTED DEPOSIT MONEY BANKS IN SELECTED SUB-SAHARA AFRICAN COUNTRIES." Oradea Journal of Business and Economics 5, Special (June 2020): 82–93. http://dx.doi.org/10.47535/1991ojbe099.
Full textAbstract:
Foreign diversification offers prospective market opportunities which afford firms prospects for greater growth and penetration of global markets. This study investigated the effect of foreign diversification on performance of quoted deposit money banks in selected Sub-Sahara African countries; Botswana, Ghana, Kenya, Malawi, Mauritius, Namibia, Nigeria, South Africa, Uganda, Zimbabwe and Zambia. The study employs secondary data collected and computed from sampled deposit money banks annual audited financial statements. Employing the use of descriptive statistics, correlation analysis, panel unit root analysis, co-integration test, multivariate panel data analysis and the system- GMM for a period of 2007 – 2017, the data were estimated with the aid of Eviews 9.0 econometric statistical package. Using dependent variables (Net interest margin and Tobin Q), explanatory variables of foreign diversification, bank’s size and bank’s age respectively. The findings revealed that foreign diversifications have negative and significant effect on all the performance indicators (NIM and TOBIN Q) used in the study. The explanatory variable (foreign diversification) was significant at 1% significance level. The findings from robustness check showed that the coefficients of foreign diversification are also largely negative for most of the banks. This study therefore recommends, amongst others, banks should consider diversification as a long run strategy for promoting growth and other forms of expansions. This can be achieved by promoting more regional banking integration within the sub-region. Given that formalities are already on the ground to facilitate entry and establishment within economies in the regional blocs, diversification in this direction will involve less institutional obstacles
17
Dube, Cinderella, and Victor Gumbo. "Diffusion of Innovation and the Technology Adoption Curve: Where Are We? The Zimbabwean Experience." Business and Management Studies 1, no. 1 (June 20, 2017): 34. http://dx.doi.org/10.11114/bms.v3i3.2500.
Full textAbstract:
The introduction of the Internet has led to the development of new technologies and applications that have been adopted by organisations and their users to enable them to survive in this age of technology. Online technologies have penetrated Zimbabwe, particularly in the retail industry, however, little research has been done to link the research results to theory particularly the technology adoption theories. Therefore the objective of this study was to explore the current extent of adoption of online transaction platforms in the retail industry in Zimbabwe. Furthermore, this paper purposed to determine the extent of this adoption on the Technology Adoption Curve. The online transaction platforms studied were Internet banking, Automated Teller Machines, Mobile banking, Point of Sale and Mobile money. The study took a mixed method approach where both qualitative and quantitative strategies were used. A three-sample dataset comprising of 268 bank and supermarket customers, 56 bank managers and 31 supermarket managers was used. The resultant adoption rates were plotted on Moore’s Technology Adoption Curve. The results indicated that although the retail industry had made great strides to adopt online technology platforms, but the adoption by customers was relatively low at a market penetration of 14.5%. The study thus concluded that Zimbabwe’s online technologies were in their infancy stage on the maturity model adoption curve and were inside Moore’s chasm on the technology adoption curve. The study recommended to customers to use the adopted online technologies in order to keep abreast with the digital era. On the other hand, banks and supermarkets were urged to devise marketing strategies in an effort to cross the chasm in the Technology Adoption Curve.
18
Dzomira, Shewangu. "Analysis of bank failures during financial tumult in Africa-Zimbabwe: A historical review." Journal of Governance and Regulation 3, no. 3 (2014): 75–80. http://dx.doi.org/10.22495/jgr_v3_i3_c1_p1.
Full textAbstract:
The paper describes the analysis of the bank failures phenomenon in Africa with a deep analysis of Zimbabwe scenario. The paper is based on historical research design which used analytical and comparative research approaches to study the bank failures phenomenon. To obtain the historical evidence the researcher consulted primary sources, secondary sources and running records. It was discovered and concluded that the failing of banks was attributed to liquidity and solvency problems as a result of flawed corporate governance standards, inadequate risk management, high levels of non-performing loans and speculative activities among a confluence of factors. It was therefore recommended that enterprise-wide risk management framework should be implemented without failing and adoption of Basel II/III on banking supervision and surveillance.
19
Worthington, Steve, and Peter Welch. "Banking without the banks." International Journal of Bank Marketing 29, no. 2 (March 2011): 190–201. http://dx.doi.org/10.1108/02652321111107657.
Full text
20
Albanna, Hasan. "vulnerability of islamic banking." Global Review of Islamic Economics and Business 5, no. 2 (December 7, 2017): 094. http://dx.doi.org/10.14421/grieb.2017.052-03.
Full textAbstract:
The recent global financial crisis has renewed the focus on the resistance of Islamic banks in order to confront the crisis. While several empirical studies show that Islamic banks have no resist from the crisis. thus, Islamic banks run their business side by side with their counterpart and play the game under the same umbrella and the rules of game. In case of Indonesia, which implement dual banking system, Islamic banks have potential to be effected by the variables of conventional banks. Which mean, this condition led the Islamic banks have the vulnerable spot in economic life. This paper aim to examine the stability of Islamic banks and to discern dynamic behavior of Islamic banks to the macroeconomic variables such as GDP, inflation rate, exchange rate and interest rate. the measure of stability of Islamic banks formulated as z-score. Then, We use VAR/VECM analysis in order to see the dynamic behavior and the vulnerability of Islamic banks. the paper found several findings, first, during the global financial crisis, Islamic banks more stable than the conventional banks, while after the global financial crisis conventional banks tend to be more stable than Islamic banks. Second, From the IRF test display that Islamic banks react sensitively to the shock of interest rate. however, Islamic banks prohibit the practice of interest rate. even though, in practical reason, Islamic bank use interest rate as benchmarking to determine the price. This condition put the Islamic Banks in vulnerable condition. Third, the FEVD test showed that the stability of Islamic banks mostly contribute by its own stability then followed by GDP, interest rate, exchange rate and Inflation. At the seventh period the stability of Islamic banks mostly contribute by its stability then followed by Inflation rate, GDP, exchange rate and interest rate.
21
Butzbach, Olivier, and Kurt E. von Mettenheim. "Alternative Banking and Theory." Accounting, Economics and Law - A Convivium 5, no. 2 (July 1, 2015): 105–71. http://dx.doi.org/10.1515/ael-2013-0055.
Full textAbstract:
AbstractUnlike business models of private banks based on profit maximization and shareholder-oriented governance, alternative banks (such as cooperative banks, government savings banks, and special purpose banks) share business models based on sustainable returns with longer time horizons, corporate missions that include social and public policy goals, and stakeholder-oriented governance. Strong evidence from recent research suggests that alternative banks often equal or outperform joint-stock banks in terms of efficiency, profitability, and risk management. This counters core ideas in contemporary banking theory and expectations of regulators about the superiority of private ownership and market-based banking. Concepts and theories from banking studies help explain how alternative banks outperform private banks in core functions such as creating and managing liquidity, pooling deposits, and reducing information asymmetries and agency costs. However, heterodox theories of the firm and institutional approaches to competitive advantage broaden the scope of analysis to explain further historical, social, and organizational advantages (and risks) in alternative banking. Alternative banks therefore require, and may inspire, alternative theories of banking and new approaches to bank regulation.
22
Nisha, Nabila, Mehree Iqbal, and Afrin Rifat. "Green Banking Adoption." International Journal of Technology and Human Interaction 16, no. 2 (April 2020): 69–89. http://dx.doi.org/10.4018/ijthi.2020040106.
Full textAbstract:
Today, commercial banks of the most environmentally affected countries invest voluntarily in social and environmental activities that targets socially-responsive business in the form of green banking. However, state-owned banks often encounter challenges in doing so since they operate in centralized manner and often lack in resources, government support and client base compared to commercial banks. Moreover, green banking initiates major changes in working environment and alters the provision of banking services for bankers in developing countries like Bangladesh. Given such challenges, it is important to examine the attitude of bankers working in state-owned banks towards the adoption of green banking. Findings claim that central bank regulations, followed by facilitating conditions and environmental concerns, are some of the factors that influence bankers' overall perceptions. Results indicate that bankers are fairly pragmatic in developing general attitudes towards the use of green banking as part of their work activities in all state-owned banks.
23
Kumar Basu, Udayan. "Banking in India." Foreign Trade Review 40, no. 2 (July 2005): 24–35. http://dx.doi.org/10.1177/0015732515050202.
Full textAbstract:
Commercial banks play a very important role in the economy of any country. They constitute the most useful intermediary in the financial markets, who have a vital role in ensuring the efficacy of all monetary and fiscal measures. Their continued good health and sustained viability are therefore of immense significance for any economy. Measures to ensure their well-being are of paramount importance in order to maintain a high level of investor confidence. In India, financial liberalization has opened up new vistas for the commercial banks and they can now operate as universal banks offering, under one roof, all kinds of financial services including project financing and leasing. Besides, banks are allowed to go in for investment in securities also. However, the guidelines for direct lending have not been touched so far. Consequently, there are restrictions on the ways in which banks in India can deploy their available resources. In this article, an analysis has been carried out to show how such structural restrictions translate into what is often termed as interest rate rigidities for banks. How the loan losses impact on their interest spread as well as the urgent need to improve the framework for recovery of banks' NPAs has also been gone into. Moreover, the scope for moral hazards in banks, which are limited liability entities, has been explored and need for efficient risk management as well as effective risk-based supervision for ensuring their sustained viability has been analyzed and commented upon. A cut-off risk for bankable projects has also been worked out. The findings are interesting because the analysis takes into account the real life constraints faced by the banking sector and the results reflect the realities of this sector.
24
Brilliant, Richard. "Banking on the Data Banks." Art Bulletin 74, no. 3 (September 1992): 374. http://dx.doi.org/10.2307/3045888.
Full text
25
Asquith, Maria Teresa. "Milk Banks and Milk Banking." Journal of Human Lactation 2, no. 2 (September 1986): 74–75. http://dx.doi.org/10.1177/089033448600200208.
Full text
26
Hughes, Vergie. "Milk Banks and Milk Banking." Journal of Human Lactation 3, no. 2 (June 1987): 47–48. http://dx.doi.org/10.1177/089033448700300207.
Full text
27
Sia, Concepcion G., and Judith E. Palsgraf. "Milk Banks and Milk Banking." Journal of Human Lactation 3, no. 3 (September 1987): 100–101. http://dx.doi.org/10.1177/089033448700300305.
Full text
28
Vdovin, A. "Russian-Chinese Banking Cooperation." World Economy and International Relations, no. 6 (2015): 28–38. http://dx.doi.org/10.20542/0131-2227-2015-6-28-38.
Full textAbstract:
The article considers current status and trends of Russian-Chinese cooperation in the banking sector. Firstly, it examines scope of activities and main results of specialized inter-state mechanism of deepening inter-bank cooperation between Russia and China. Secondly, a detailed analysis of Chinese banking institutions’ operations in the Russian market is given. The author points out that until now the main reasons for the Chinese banks’ activities in the Russian market have political nature while purely commercial considerations are of secondary importance. The client base mainly consists of Chinese companies and enterprises doing their business in Russia. The revenues of Chinese banks here are primarily generated by interest income. Chinese banks demonstrate low-key approach to searching of new and expansion of existing areas of their business. There is no evidence of major expansion in investment and lending to local businesses, deepening work in the retail sector, etc. Chinese banks retain limited geographical presence in Russia. Thirdly, the scope and trends of Russian banks’ activities in China are analyzed. The author explains extremely weak presence of Russian banks in China (including Hong Kong) and lack of dynamism in their operations in the local market. The key problems are singled out. Mostly, they are determined by the specifics of the Chinese banking sector functioning. In particular, tangible complexity persists in attracting funding from Chinese banks. The documentary operations (letters of credit, factoring) are not yet actively used in the work with the Chinese market. The commercial incentives to work with China remain small for the Russian banks. A general conclusion is drawn that in short term one should not expect any serious penetration of Russian banks into the PRC.
29
Ahmed, Sarwar Uddin, Ashikur Rahman, Samuel Parvez Ahmed, and Wali Ullah. "Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh." International Journal of Finance & Banking Studies (2147-4486) 3, no. 4 (July 21, 2014): 84–97. http://dx.doi.org/10.20525/ijfbs.v3i4.193.
Full textAbstract:
Islamic banking is based on profit and loss mechanism where the use of interest is prohibited. Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing. However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits. On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.
30
Ordoñez, Guillermo. "Sustainable Shadow Banking." American Economic Journal: Macroeconomics 10, no. 1 (January 1, 2018): 33–56. http://dx.doi.org/10.1257/mac.20150346.
Full textAbstract:
Banking regulation is beneficial because it constrains banks' portfolios to prevent excessive risk taking. But given that regulators usually know less than a bank about its investment opportunities, regulation comes at the cost of foregoing profitable investments. I argue that shadow banking improves welfare because it provides a channel to escape excessive regulation that is asymmetrically more valuable for banks with access to efficient investment opportunities. I propose a novel intervention that improves welfare further by taxing shadow activities, subsidizing regulated activities and allowing banks to self-select into being regulated or not. (JEL D82, G21, G28, G31, G32, L25)
31
Ismail, Naima, and Mohamad Sabri bin Haron. "Islamic Banks." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 10, no. 1 (June 25, 2014): 1754–61. http://dx.doi.org/10.24297/ijmit.v10i1.647.
Full textAbstract:
Islamic banks has development in many aspects in practical performance of banks function, this was a limited activity in service Banks and commercial processes. Later, it came to They possess financial power and ability to create Islamic loans. They possess financial power and ability to create Islamic loans. Economical union supported by banks is not restricted to a domestic sphere, but has expanded internationally as its operations enjoy fidelity and fulfillment between banking organizations in different countries. As banking systems Islamic banks had developed, they are no longer restricted to role of being financial and service organizations, but have become money market within public sector. Furthermore, they follow up monetary flows and banking securities, by playing positive role of providing the organized money market with enough information about commercial activities. In addition, as a financial mediator who has adequate statistics about other economical units, besides its main role in creating successful development plans and riskless investment.
32
Ahmed, Sarwar Uddin, Ashikur Rahman, Samuel Parvez Ahmed, and G. M. Wali Ullah. "Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh." International Journal of Finance & Banking Studies (2147-4486) 3, no. 4 (January 19, 2016): 84. http://dx.doi.org/10.20525/.v3i4.193.
Full textAbstract:
<p><em>Islamic banking is based on profit and loss mechanism where the use of interest is prohibited. Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing. However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits. On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.</em></p>
33
Swanson, Kara W. "Body Banks: A History of Milk Banks, Blood Banks, and Sperm Banks in the United States." Enterprise & Society 12, no. 4 (December 2011): 749–60. http://dx.doi.org/10.1017/s1467222700010661.
Full textAbstract:
My dissertation traces the invention and development of a new form of banking, body banking. Today, the body bank as an institution that collects, stores, processes, and distributes a human body product is a taken-for-granted aspect of medicine in the United States. We donate to blood banks, we cherish sperm bank babies, and we contemplate many sorts of banks, including cord blood banks, gene banks, and egg banks. Such institutions have existed for the past century in the metaphorical shadow of financial banks, and like those better-studied banks have stirred considerable controversy. The driving question behind my dissertation is simply, why banks? How did we come to use “bank” to apply to bodies as well as to dollars? More intriguingly, what does this analogy show us and what is it hiding?
34
Pambuko, Zulfikar Bagus, Nur Ichsan, and MB Hendrie Anto. "Islamic Banks’ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia." IQTISHADIA 11, no. 2 (September 27, 2018): 371. http://dx.doi.org/10.21043/iqtishadia.v11i2.3346.
Full textAbstract:
<p><em>The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. </em><em>The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is </em><em>more stable and safe way of financing</em><em> than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. </em><em>Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.</em></p>
35
Benston, George J. "Universal Banking." Journal of Economic Perspectives 8, no. 3 (August 1, 1994): 121–43. http://dx.doi.org/10.1257/jep.8.3.121.
Full textAbstract:
Universal banks can offer the entire range of financial services within the bank or through subsidiaries. Most countries permit universal banking. In contrast, the United States is served only by specialized banks. Universal banking, particularly in Germany, is contrasted with specialized banking with respect to their effect on financial stability, economic development, other financial institutions, concentration of political and economic power, consumer choice, and conflicts of interest. This examination, including a review of relevant empirical studies, leads to the conclusion that universal banking offers many benefits and few costs to U.S. consumers.
36
Abubakar, Abbas Said, and Dr Josiah Aduda. "ISLAMIC BANKING AND INVESTMENT FINANCING: A CASE OF ISLAMIC BANKING IN KENYA." International Journal of Finance 2, no. 1 (January 23, 2017): 66. http://dx.doi.org/10.47941/ijf.42.
Full textAbstract:
Purpose: The purpose of this study was to establish the effect of Islamic banking on investment financing in Islamic banks in Kenya.Methodology: This study employed descriptive survey design. The population of this research consisted of 8 commercial banks offering Shariah compliant products. The study used secondary data for the period 2009 to 2012. Data was analyzed using Statistical Package for Social Sciences (SPSS) and results were presented in frequency tables and figures. The data was then analyzed in terms of descriptive statistics like frequencies, means and percentages.Results: The study findings indicated that there were various Islamic banking products that Islamic banks used to finance their investments. This included motor vehicle financing, mortgage financing, asset financing, real estate financing, trade financing and SME financing. The study also indicated that there were various modes of financing used by Islamic banking such as profit and loss sharing, Ijara and murahaba. Regression results revealed that motor vehicle financing was statistically significant in explaining loans advanced to customers in Islamic banks. However mortgage financing, asset financing, real estate financing, trade financing and SME financing were not statistically significant in explaining loans advanced to customers in Islamic banks but they were positively correlated.Unique contribution to theory, practice and policy: The study recommends that the management of the banks to get well equipped and competent employees on Islamic banking products as most Islamic banks are currently managed by people who have been educated and trained in the conventional banking system. Thus, more time may be required for the unique characteristics of Islamic financial instruments to be completely accepted and understood by both bank personnel and customers. It is also recommended that the terms and conditions of acquiring a loan be made more appealing and considerate for more investors to approach the banks for assistance as the Shari`ah restricts the type of businesses for which Islamic banks can provide financing.
37
Easa, Nasser Fathi. "Knowledge Management at Banking Industry." International Journal of Customer Relationship Marketing and Management 10, no. 2 (April 2019): 21–34. http://dx.doi.org/10.4018/ijcrmm.2019040102.
Full textAbstract:
The present research reviews the literature had been done on knowledge management (KM) in the banking industry in different countries and provides further guidelines to ensure successful implementation of KM in banks. The findings indicated that the application of KM in banks started at the World Bank in 1996 and was followed by banks in several developed countries then spread out to different places in developing counties. The majority of banks in Western developed countries such as the UK and USA, Canada and Germany, are both human- and technology-oriented in terms of managing knowledge. The majority of KM studies in developing counties were exploratory using quantitative data to investigate to what extent these banks were aware of the importance of KM and how they practiced KM. Additionally, little research had been done to link KM in banks to different topics such as innovation, customer relation management and risk management. Finally, literature provided considerable conclusion to enhance effective KM implementations in banks.
38
Hwa, Erh-Cheng, and Yang Lei. "China's Banking Reform and Profitability." Review of Pacific Basin Financial Markets and Policies 13, no. 02 (June 2010): 215–36. http://dx.doi.org/10.1142/s0219091510001925.
Full textAbstract:
Just as the worse global financial crisis since the Second World War threatens the survival of many global financial giants, the strong financial performance of the Chinese banks stands out. The record profits of Chinese banks are commendable considering that they were considered insolvent not too long ago. The paper reviews the reform strategy of Chinese state commercial banks and its implementation, as well as their strong financial performance in 2007 based upon the four largest listed state commercial banks. Even though a strong economy may have boosted performance, banking reform should have played a significant role in turning around Chinese banks.
39
Nduta, Rosemary Wangari, and Jane Wanjira. "E-Banking Strategy and Performance of Commercial Banks in Kenya." International Journal of Current Aspects 3, no. V (October 24, 2019): 147–65. http://dx.doi.org/10.35942/ijcab.v3iv.68.
Full textAbstract:
Technological innovations in the aspect of electronic banking (e-banking) have progressively advanced and changed the manner in which banks offer services. The use of varied forms of technological innovations has become a key strategy that influences the competitiveness and performance of commercial banks. Subsequently, banks are investing more in adopting and implementing innovative e-banking strategies. Although numerous studies have inspected the effect of e-banking on banks across the world, the knowledge gap is that few studies have examined the impact of e-banking strategies on commercial banks’ performance in Kenya. The objectives of this study were to predict the impact of agency banking, mobile banking, the use of ATMs, and internet banking on the commercial banks’ financial performance in Kenya. Agency theory, contingency theory, diffusion of innovations theory, and technology acceptance theory formed the theoretical basis of this study. In its research design, the study used the descriptive approach. The target population comprised managers of 40 commercial banks and the study utilized the purposive sampling method to select 100 respondents comprising of 40 senior managers and 60 operations managers. Descriptive statistics, correlation, and regression analysis were used to analyze data. Correlation analysis indicated that mobile banking (r = 806, p = 0.000), agency banking (r = 0.737, p = 0.000), internet banking (r = 0.466, p = 0.000), and ATM banking (r = 0.547, p = 0.000) have statistically significant relationships with the commercial banks’ performance. Findings indicate that e-banking accounts for 71% (R2 = 0.710) of the variation in the commercial banks’ performance. Moreover, the study found out that e-banking strategies of agency banking and mobile banking are statistically significant predictors (p<0.01, while internet banking and ATM banking are statistically insignificant predictors (p>0.01). Based on these findings, the study concludes that rely on e-banking strategies in enhancing their performance, particularly mobile banking and agency banking. Furthermore, the study concludes that ATM banking and internet banking contribute minimally to the commercial banks’ performance in Kenya. Thus, the study recommends banks to optimize mobile banking and agency banking because they are statistically significant predictors while increasing awareness of internet banking and addressing insecurity issues of ATM banking. Thus, further research should consider establishing factors that account for the unexplained variances of 29% in the performance of commercial banks.
40
Latifah, Luluk, and Ahmad Zahro. "AMANAH'S PHILOSOPHICAL VALUE IN SHARIA BANKING." Advanced International Journal of Banking, Accounting and Finance 2, no. 2 (March 13, 2020): 21–30. http://dx.doi.org/10.35631/aijbaf.22003.
Full textAbstract:
The philosophical value of the security is a very great value, which comes from Allah SWT, which is given to his creatures, and humans as the bearer of the highest mandatory value to carry out, maintain and implement it, with security between humans there will be a belief and this trust will ultimately cultivate an inner calm or soul. To find out and measure philosophical values of the trust in both conventional and Islamic banking, then in this study will present the results of the study with respondents divided into two groups, the first group is those with a bachelor's degree in general and the second group is those who have S2 degrees and doctoral candidates for Islamic Economics. Quantitative research methods, with frequency distribution and cross-tabulation of selected variables with data analysis using SPSS. Based on the results of the study, the values of security from the highest to the lowest are: In the first group of respondents, the values of security from the highest to the lowest are: (1) Value of Maintaining Trustworthiness, Islamic Banks get a value of 4.42 and a conventional bank of 3.67. (2) The value of responsible Islamic banks is 4.00 and conventional banks are 3.08. (3) The value of maintaining bank secrets, Islamic Banks is 3.92 and conventional banks are 3.83. (4) The trust value of Islamic Banks is 3.58 and conventional banks are 2.42. (5) Honest Value, carrying out the assignment of 2.17 for Conventional Banks and (6) Trust value in delivering messages 3.33 for Conventional Banks at Islamic Banks has the same value of 3.42. In the second group of respondents (1) The value of safeguards of customer secrets, Islamic banks get the highest value of 4.70. whereas Conventional Bank 4.0. (2) The value of guarding the customer's trust, Islamic banks get a value of 4.50 and Conventional Bank 3.60. (3) Value of liability, Islamic banks 4.40 and Conventional Banks 3.90. (4) Value can be trusted, Islamic banks get a value of 4.20, and Conventional Banks 3.40. (5) The value of honesty and ability to perform tasks, Islamic banks get a value of 4.10, while in conventional banks is the lowest value of 1.70.
41
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.
Full textAbstract:
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.
42
Татар, М. С., Ю. А. Нужнова, and К. М. Рябус. "ВПЛИВ ІНОЗЕМНОГО КАПІТАЛУ НА БАНКІВСЬКУ СИСТЕМУ УКРАЇНИ В УМОВАХ ГЛОБАЛІЗАЦІЇ." TIME DESCRIPTION OF ECONOMIC REFORMS, no. 3 (October 18, 2019): 66–75. http://dx.doi.org/10.32620/cher.2019.3.08.
Full textAbstract:
Formulation of the problem. In the last five years the number of insolvent banking institutions was reduced, however, the percentage of banks with foreign capital in the total number of banks was increased, which may affect the banking system stability and require a research of the positive and negative effects of foreign banks on Ukraine banking system. The aim of the research is analizing trends of the foreign capital presence in Ukraine banking sector and determination its positive and negative impact on Ukraine banking system. The subject of the research is the activity of foreign banks in Ukraine. The methods of the research: logical and meaningful method, method of comparison, methods of induction and deduction, etc. The hypothesis of the research. Existence of significant influence of foreign capital on Ukraine banking system. The statement of basic materials. The main tendencies of development of Ukrainian banks and place in ratings of state-owned banks and banks of foreign banking groups are analyzed. It has been found that according to different ratings, banks of foreign banking groups occupy the first leading five positions in the rating, while banks with state-owned shares occupy mostly middle positions. The positive and negative influence of the presence of foreign banks in the territory of Ukraine on the banking system of Ukraine is analyzed. The originality and practical significance of the research is determination the positive and negative impact of foreign capital banks on Ukraine banking system. Conclusions and perspectives of further research. Positive and negative influence of presence of foreign capital banks on the Ukraine banking system is analyzed, which is the basis for further research, in which it is planned to quantify the power of influence of individual banks with foreign capital on Ukraine banking system development, to determine the effectiveness of attracting foreign banking capital in Ukraine, to form a mechanism for admission of banks with foreign capital to the domestic banking services market.
43
Yuksel, Serkan. "The causality between returns of interest-based banks and Islamic banks: the case of Turkey." International Journal of Islamic and Middle Eastern Finance and Management 10, no. 4 (November 13, 2017): 519–35. http://dx.doi.org/10.1108/imefm-12-2013-0133.
Full textAbstract:
Purpose This paper aims to shed light on the risk structure in the presence of Islamic banking. The author concentrates on the relationship between Islamic banking and conventional banking in Turkey. Islamic banking and conventional banking are considered to be different kinds of sources for funding. Returns in the conventional banking are expected to be heavily influenced by the interest rate in the money market. However, Islamic banking returns are interest-free so that interest rate changes are not expected to affect the deposit returns in Islamic banks. Interest rates in the economy are a proxy to highlight the general risk level of the economy. By looking at the causal relationship between the deposit returns of both Islamic banks and conventional banks, it is possible to address the different types of banking in the general risk structure of the economy. This is one of the first studies to address the mentioned difference in banking sector in Turkish economy. Design/methodology/approach This paper tries to identify the direction of causality between Islamic and conventional banking term deposit rates by means of Granger Causality. Also, Granger Causality test results will guide to explore the Islamic and conventional banking deposit return linkages. The author has extended the study with vector autoregressive analysis to understand the correlation structure between conventional deposit rates and the profit–loss sharing ratio of Islamic Banks. The author has also extended this study with impulse response functions to see whether the shocks hitting into the conventional banking affect Islamic banking and vice versa. Findings The results suggest that there is no significant clear relationship between both banking sectors. This result can be interpreted, as Islamic banks do not adjust their profit–loss sharing (PLS) ratios pegged to the interest rate offered by conventional banks. Also, conventional banks determine their interest rate without any connection to the Islamic banking PLS ratios. Overall results of this study contradict the findings of studies which conclude that Islamic banking might not be different from the conventional banking. It is reported that inferences from pair-wise Granger causality alone might be spurious, as the analysis based on non-stationary series can be a consequence of time functional characteristics of the time series. Social implications The results can be taken as counter evidence to the hypothesis “Islamic banks determine their PLS ratios based on the interest rates offered by conventional banks”. This address that the Islamic banks may offer alternative financing methodology which has different procedure. Hence, Islamic finance can be taken as an alternative method with its asset-based healthier structure. Originality/value This is one of the first studies to address the Islamic versus interest-based banking difference in banking sector in Turkish economy. This paper tries to identify the direction of causality between Islamic and conventional banking term deposit rates by means of Granger causality.
44
Rosyadi, Imron. "KOMPARASI EFISIENSI PERBANKAN SYARIAH DAN PERBANKAN KONVENSIONAL DI INDONESIA." Riset Akuntansi dan Keuangan Indonesia 2, no. 1 (April 14, 2017): 61–74. http://dx.doi.org/10.23917/reaksi.v2i1.3683.
Full textAbstract:
The purpose of this study was to: (i) acknowledge and examine the differences between the financial performance of Islamic banking with conventional banking, (ii) to analyze and explain the differences in efficiency levels between Islamic banking and conventional banking (iii) analyze and compare the efficiency of Islamic banking with banks conventional. The population used in this study is a commercial bank in Indonesia with 124 banking institutions with the details of five state banks and 119 private banks. sample of banking institutions in this study are 5 government-owned banking institution (s) and 12 institutions of Islamic banks. The method of analysis used in quantitative research is descriptive (analytic). Measurement and test efficiency and efficiency ratio of the difference of Islamic banking from conventional banking to use Supplier Data Analysis (DEA) and two different test mean (t-test). The results showed during the observation period 2012-2016, economic activities (banking) of Islamic banks are relatively more efficient than conventional banks Keywords: comparative, efficiency, financial performance
45
Barid, Miftah, Siswanto Siswanto, and Masyhuri Masyhuri. "EXPLORING ISLAMIC BANKING SWITCHING INTENTION." El Dinar 9, no. 1 (April 30, 2021): 33–43. http://dx.doi.org/10.18860/ed.v9i1.11637.
Full textAbstract:
Islamic banking is developing quite rapidly, but its market share is still far behind conventional banks. The movement of customers from conventional banks to Islamic banks must be continuously improved. The transfer of conventional bank customers to Islamic banks is determined by the intention to move (Switching intention). Switching intention is an individual's desire or intention to switch services and is described as a signal and opportunity for customers to switch to new services. This study aims to analyze the factors that affect the switching intention of customers of Islamic banks in Malang City with a theory of planned behavior. This study uses a quantitative approach. The number of samples is 100 respondents. Data analysis using confirmatory factor analysis (CFA). The analysis results show that attitude, subjective norm, and perceived behavior control influence the switching intention of Islamic banks in Malang City. The attitude variable is the dominant factor affecting switching intention.
46
Matunhu, Jephias, and Stephen Mago. "Rural Banking for Rural Development in Zimbabwe." Studies of Tribes and Tribals 11, no. 1 (July 2013): 43–48. http://dx.doi.org/10.1080/0972639x.2013.11886664.
Full text
47
Sumra, Sana Haider, Mohammad Khurram Manzoor, Hassan H. Sumra, and Momina Abbas. "The Impact of E-Banking on the Profitability of Banks: A Study of Pakistani Banks." Journal of Public Administration and Governance 1, no. 1 (June 2, 2011): 31. http://dx.doi.org/10.5296/jpag.v1i1.692.
Full textAbstract:
The proliferation and penetration of internet has opened new horizons and scenarios for the retail banking industry. The retail banks are now providing their products and services through the electronic medium; e-banking. E-banking is considered to have a substantial impact on banks’ performance. The aim of this paper is to examine the impact of e-banking on the profitability of Pakistani banks, in particular. This paper covers twelve banks across Pakistan. The study is qualitative in nature which examines different objectives which determine the performance of banks mainly in terms of profitability. It also discusses the effect of customers’ literacy on provision of services from banks’ perspective. It also discusses the basic motive of banks to adopt e-banking services. The study is done through taking interviews from the managers of these banks.The results show that e-banking has increased the profitability of banks, it has enabled the banks to meet their costs and earn profits even in the short span of time. The illiteracy of customers is not regarded as a major impediment in provision of their products and services. For banks, the main motive to adopt e-banking is to increase their clientage and to retain their customers. The profitability of banks has augmented in transitioning to e-banking medium.
48
Bohlin, Erik, Aijaz A. Shaikh, and Payam Hanafizadeh. "Social Network Banking." International Journal of E-Business Research 14, no. 2 (April 2018): 1–13. http://dx.doi.org/10.4018/ijebr.2018040101.
Full textAbstract:
Social media is widely recognized as a challenging new communication technology in both economic and social contexts. The present article explores how banks have exploited this technology in the range of consumer retail banking services offered by 100 leading global banks on the three major social networking sites (SNS): Facebook, Twitter, and YouTube. Viewing social network (SN) banking as a separate delivery channel and offering a working definition of SN banking, the article shows that banks have been more cautious than other businesses in using SNS. The available services are classified on nine main dimensions: marketing, financial education and advice, information support, customer support, sales representativeness, customer engagement, online recruitment, survey and polling, and other services. The scope of these SN banking services is for the most part non-cash-based. Conclusions, implications, and recommendations are discussed and future research priorities are identified.
49
Dzombo, Gift Kimonge, James M. Kilika, and James Maingi. "The Mediating Effect of Financial Inclusion on the Relationship between Branchless Banking Strategy and Performance of Commercial Banks in an Emerging market Context: The Case of Kenya." International Journal of Economics and Finance 10, no. 7 (June 25, 2018): 161. http://dx.doi.org/10.5539/ijef.v10n7p161.
Full textAbstract:
Since 1990 to date, a lot of banking innovation has taken place in order to improve commercial banks financial performance. Branchless banking which involves the use of agency banking and electronic banking channels in the distribution of banking products and services is one such innovation. This study investigated the role of financial inclusion on the relationship between branchless banking strategy and financial performance of commercial banks in Kenya. The specific objectives of the study were to analyze the effect of agency banking and electronic banking channels on the financial performance of commercial banks in Kenya. The study also aimed at determining the mediating effect of financial inclusion on the relationship between branchless banking and financial performance of commercial banks in Kenya. The study adopted a correlational research design. A survey of all the 42 licensed commercial banks in Kenya was done. Both primary and secondary data on branchless banking and financial performance of banks was obtained from the commercial banks and Central Bank of Kenya banking annual supervision reports respectively. Return on Assets (ROA) was used as the main indicator of commercial banks financial performance. The amount of investment in agency and electronic banking was used as indicators for agency and electronic banking. Data analysis was done using SPSS and STATA statistical software. Study findings indicated that when used in isolation; both agency and electronic banking had a significant negative effect on the financial performance of commercial banks. However when agency and electronic banking channels were used together as a multichannel strategy, the effect on bank’s financial performance was found to be positive and significant at the 95 percent significance level. Study findings also indicate that the strength of the relationship between branchless banking strategy and financial performance of commercial banks in Kenya depends on the level of financial inclusion. The study recommends that for positive returns, commercial banks should invest in both agency and electronic banking as a multichannel strategy since these channels are complimentary to each other and calls on the government to come up with policies to foster financial inclusion within the banking industry in order for the industry to achieve maximum returns from branchless banking strategies.
50
Korobov, Yury. "Banking competition and its development in Russia." SHS Web of Conferences 61 (2019): 01009. http://dx.doi.org/10.1051/shsconf/20196101009.
Full textAbstract:
The article discusses theoretical issues of banking competition as well as its ifluences on the development of banking system (transformation of the essence of a bank; change of the target setting in banking; transfer of emphasis from operations to services; universalization of banking; transition from individual services to integrated banking products; change of priority from price to non-price methods of competition; transition from extensive to intensive type of network development; increasing the role of near-banks and nonbank banks). Factors influencing banking competition in Russia are shown: both restraining (reduction in the number of banks; concentration of assets at the largest banks; uneven territorial distribution of banks; local character of banking markets) and strengthening (financial globalization; digitalization of economy; forming of new banking culture).