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Journal articles on the topic 'Loan size and its determinants'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

Quayes, Shakil. "Determinants of Microfinance Interest Rates." Economic Analysis Letters 4, no. 2 (2025): 1–7. https://doi.org/10.58567/eal04020001.

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Microfinance loans have long been associated with relatively high interest rates. There is a wide variation of interest rates charged by microfinance institutions (MFIs) across countries, as well as some dispersion of interest rates across MFIs within the same country. The source of interest rate variation can result from institution specific characteristics such as, average loan size and the composition of female borrowers. The dispersion in prevailing interest rates in the formal financial sector across countries may partially contribute to the variation of microfinance interest rates across

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ONUORAH, A.C. (PhD; F, CIFIAN). "DIVIDEND PAYOUT AND ITS DETERMINANTS IN THE NIGERIAN BANKING SECTOR." International Journal of Applied Research in Social Sciences 5, no. 3 (2023): 40–50. http://dx.doi.org/10.51594/ijarss.v5i3.471.

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The study examined determinants of dividend payout (DP) in the context of the Nigeria banking sector between the periods of 2009-2018. A sample of eight (8) banks was drawn out of the 21 deposit money banks (DMBs) for the study. The study made used of secondary which was sourced from the annual reports and accounts of the various banks and analyzed with descriptive statistics, correlation analysis and multiple regression analysis using OLS method by using the pooled model with the aid of E-VIEW computer software. The findings revealed that Profitability (PROF) and Bank Size (BS) have significa

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Widiarti, Astoeti Wahjoe, Hermanto Siregar, and Trias Andati. "THE DETERMINANTS OF BANK'S EFFICIENCY IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 18, no. 2 (2015): 129–56. http://dx.doi.org/10.21098/bemp.v18i2.520.

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This paper measures the efficiency of the banks using the intermediation approach and the Data Envelopment Analysis (DEA) on quarterly data of 108 conventional banks in Indonesia during the period of 2012Q1 to 2014Q4. The results shows that the Indonesian banking industry is inefficient in its intermediation function, which is in line with their financial indicators namely the total increasing asset, stable ROA of around 2-3%, and their Operating to Income Cost ratio of about 66-83%. Furthermore, we apply data panel estimation to estimate the determinant of this efficiency; the result shows th

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Fombang, MccPowell, and Richard Wamalwa Wanzala. "Mozambican commercial bank liquidity and its determinants." EUREKA: Social and Humanities, no. 6 (November 30, 2023): 61–72. http://dx.doi.org/10.21303/2504-5571.2023.003245.

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Despite the Central Bank of Mozambique's best efforts to assist commercial banks through a range of policies and regulations, the majority of these banks have been unable to satisfy their liquidity obligations on time, resulting in unacceptably large losses that have forced mergers or necessary resolutions. Thus, the purpose of this study was to determine the factors that affect Mozambican commercial banks' liquidity using bank-specific and macroeconomic data from 2013 to 2022. Data was analysed using unbalanced panel regression analysis (PRA). Specific bank data were gathered from a sample of

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Giang, Mai Huong, Tran Dang Xuan, Bui Huy Trung, and Mai Thanh Que. "Total Factor Productivity of Agricultural Firms in Vietnam and Its Relevant Determinants." Economies 7, no. 1 (2019): 4. http://dx.doi.org/10.3390/economies7010004.

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In Vietnam, agriculture is a key sector that promotes economic growth and poverty reduction. Therefore, improving productivity in agriculture is indispensable to the sustainability of the country. This research examined productivity and its determinants from 420 enterprises operating in agriculture. Productivity was measured as the total factor productivity (TFP) obtained from fixed and random effects models. The determinants of TFP including size and age, share of state and foreign ownership, export, accessibility to Internet and bank loan of firms, controlled for year fixed effects, were ana

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Alharthi, Majed. "A comparative study of efficiency and its determinants in Islamic, conventional, and socially responsible banks." Corporate Ownership and Control 13, no. 4 (2016): 470–82. http://dx.doi.org/10.22495/cocv13i4c3p6.

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This study empirically estimates efficiency and its determinants in 190 Islamic (IBs), conventional (CBs), and socially responsible banks (SRBs) in 22 countries during the period 2005-2012. The study first uses non-parametric approaches to estimate the efficiency measures (scale efficiency (SE), technical efficiency-constant returns to scale (CRS), and technical efficiency-variable returns to scale (VRS)) and second employs ordinary least squares, fixed effects, random effects, and TOBIT models to get the efficiency determinants. The findings indicate that the average efficiency is 0.966, 0.95

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Bosire, Millicent Kerubo, Grace Wamue-Ngare, and Grace Bonaneri Okong’o. "Uptake and Utilisation of the Constituency Women Enterprise Scheme (C-WES) Fund among Women Beneficiaries in Nyamira County- Kenya." East African Journal of Arts and Social Sciences 5, no. 2 (2022): 221–38. http://dx.doi.org/10.37284/eajass.5.2.1002.

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Globally, women's economic empowerment has been identified as a prerequisite to enhancing their economic development participation. It accelerates economic development and improves women's economic independence by creating job opportunities. Additionally, their social, educational and health standards both at the individual and family level improve. The government of Kenya introduced the women Enterprise Fund to empower women economically through the provision of credit and business support services. However, Women Enterprise Fund has experienced challenges in its extension of services. One of

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Firmansyah, Irman. "DETERMINANT OF NON PERFORMING LOAN: THE CASE OF ISLAMIC BANK IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 17, no. 2 (2015): 241–58. http://dx.doi.org/10.21098/bemp.v17i2.51.

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This paper analyzes the non-performing loan and its determinant. Using the monthly data of Islamic banks during 2010-2012, this paper found that size and efficiency of the banks do not affect the non-performing loan. On the other hand, GDP and inflation negatively affect the non-performing loan, while the liquidity of the bank positively affects the non-performing loan. The liquidity of also does not mediate the relationship between the size of the bank, their efficiency, the GDP and the inflation to the non-performing loan. Keywords: non-performing loan, liquidity, bank size, efficiency, sobe

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Sigdel, Kamal, and Kirti Deswal. "Effects of Non-Performing Loans on Profitability of Commercial Banks in Nepal." Lumbini Journal of Business and Economics 13, no. 1 (2025): 88–101. https://doi.org/10.3126/ljbe.v13i1.80258.

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Purpose: This study examines the impact of non-performing loans on the profitability of Nepalese Commercial Banks. Methods: The data were analyzed using a multiple regression, descriptive, and correlational model. Up until February 2024, the combined data of five commercial banks with the lowest paid-up capital out of the twenty commercial banks was examined. Return on equity and return on assets are the study’s dependent variables, while the capital adequacy ratio, non-performing loan ratio, cash reserve ratio, and bank size are its independent factors. Results: The results show that several

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Onyeagocha, S. "Loan Size and Its Determinants as Critical Growth Factors for Rural Farmers in Imo State, Southeast Nigeria." American Journal of Experimental Agriculture 2, no. 2 (2012): 256–68. http://dx.doi.org/10.9734/ajea/2012/975.

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Romdhane, Syrine Ben, and Emna Jebali. "Determinants of Bank-Tunisian SMEs Funding in a Context of Information Asymmetry." Journal of Accounting, Business and Finance Research 13, no. 1 (2021): 1. http://dx.doi.org/10.20448/2002.131.1.14.

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This paper explores the determinants of access to finance for small and medium enterprises (SMEs) in the context of asymmetric information. Our sample consisted of 250 Tunisian SMEs financed by Arab International Bank of Tunisia, broken down by sector of activity, size and region. The results of multiple linear regressions showed that size, interest rate, trade credits and profitability have a significant influence on the total volume of credit. The bank considers the size of commercial and industrial SMEs, and those located in the District of Tunis and the Center-East, as a positive signal wh

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Anto, Randi, Irene Rini Demi Pangestuti, Sugeng Wahyudi, and Eriesta Novia Purwandari. "Determinants of the Commercial Bank’s Efficiency in ASEAN." Research in World Economy 12, no. 2 (2021): 77. http://dx.doi.org/10.5430/rwe.v12n2p77.

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The purpose of this study is to analyze the influence of capitalization, bank size, bank age, and loan to asset ratio (LAR) to bank efficiency in ASEAN-5 countries (Singapore, Indonesia, Thailand, Malaysia, and the Philippines). Net interest margin (NIM) and non-net interest income (Non-NIM) were used as control variables. There was a total of 58 banks used as a sample using a purposive sampling technique. There were two stages of the analytical method used: data envelopment analysis (DEA) approach – to provide estimates of bank efficiency, and multiple regression linear – consists of the stat

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Anto, Randi, Irene Rini Demi Pangestuti, Sugeng Wahyudi, and Eriesta Novia Purwandari. "Determinants of the Commercial Bank’s Efficiency in ASEAN." Research in World Economy 12, no. 2 (2021): 77. http://dx.doi.org/10.5430/rwe.v12n2p77.

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The purpose of this study is to analyze the influence of capitalization, bank size, bank age, and loan to asset ratio (LAR) to bank efficiency in ASEAN-5 countries (Singapore, Indonesia, Thailand, Malaysia, and the Philippines). Net interest margin (NIM) and non-net interest income (Non-NIM) were used as control variables. There was a total of 58 banks used as a sample using a purposive sampling technique. There were two stages of the analytical method used: data envelopment analysis (DEA) approach – to provide estimates of bank efficiency, and multiple regression linear – consists of the stat

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Chikeya, Cloudio Kumbirai, and Lungile Ntsalaze. "Determinants of Household Debt: A Systematic Review of the Literature." Economies 13, no. 3 (2025): 76. https://doi.org/10.3390/economies13030076.

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Household debt plays a crucial role in influencing the performance of the economy and its vulnerability to shocks. This study synthesises studies on this topic. We used the systematic literature review technique to analyse 97 studies from the EBSCO, Google Scholars, Sabinet African Journals, SAGE, ScienceDirect, Scopus, Springer Link, Taylor and Francis, and Web of Science databases from 2004 to 2024. The results reveal that country-level and household-specific factors are important in explaining debt. We delineate supply-side and demand factors that drive debt. Country-level factors that expl

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Lalon, Raad Mozib, Anika Afroz, and Tasneema Khan. "Impact of Bank Liquidity and Macroeconomic Determinants on Profitability of Commercial Banks in Bangladesh." International Journal of Economics and Financial Issues 13, no. 6 (2023): 177–86. http://dx.doi.org/10.32479/ijefi.15228.

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This paper aims at investigating the relationship between profitability and liquidity of the State-Owned Commercial Banks of Bangladesh. An important motive of this study is to provide valuable insights into how liquidity influences profitability. There are various research papers on liquidity exposure and the profitability relationship of banks in Bangladesh. But those researches are separately conducted for conventional or Islamic banks or there is a comparative analysis of both banks. But there is little research on the state-owned banking industry. During the Pandemic the banking industry

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Haji Md Isa, Intan Suhaila Maulad, Raziah Bi Mohamed Sadique, Norhayati Alias, and Noor Hasniza Haron. "Factors Affecting Non-Performing Loans of Commercial Banks in Malaysia." Accounting and Finance Research 12, no. 4 (2023): 32. http://dx.doi.org/10.5430/afr.v12n4p32.

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With the economy’s growth, the banking industry expands, and the competitiveness intensifies with the increased number of banks. Nevertheless, its non-payment also leads to huge losses for banks and the country. One of the critical determinants of the banking sector's performance is the loans advanced to get the profit. Therefore, the loans and their repayments are used as the comparison. Specifically, banks note their repayments seriously, and those default loans are declared non-performing loans (NPLs). Thus, NPL indicates a country’s banking system’s health. This study investigates the fact

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Kleshcheva, Olga. "Determinants of housing affordability in the region." E3S Web of Conferences 274 (2021): 05005. http://dx.doi.org/10.1051/e3sconf/202127405005.

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The issue of providing the population with affordable housing is one of the most pressing social concerns. Each region necessitates a distinct approach. The purpose of this article is to identify the factors that influence a housing affordability level in the region, analyze the impact mechanisms inherent in them, and assess the quantitative impact of these factors on the housing affordability index. The following factors have a direct impact on housing affordability: the rate of inflation, the population size, the cost of housing, the loan interest rate, the rate of housing construction, the

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Zeb, Shumaila, and Abdul Rashid. "Determining Systemic Risk of Banks, Financial Services, and Insurance Firms of Pakistan." JISR management and social sciences & economics 16, no. 1 (2018): 45–62. http://dx.doi.org/10.31384/jisrmsse/2018.16.1.4.

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This paper contributes on the literature of systemic risk by investigating the extent of financial distress injected by banks, financial services, and insurance firms in the financial system of Pakistan. Furthermore, the paper aims to investigate the empirical determinants of systemic risk. The systemic risk is calculated by using the Delta Conditional Value at Risk (∆CoVaR) methodology. The panel regression is used to investigate the determinants of systemic risk for the period 2000- 2015. We find that top most systemically important financial institutions of Pakistan are National Bank of Pak

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Natufe, Oritsegbubemi Kehinde, and Esther Ikavbo Evbayiro-Osagie. "Credit Risk Management and the Financial Performance of Deposit Money Banks: Some New Evidence." Journal of Risk and Financial Management 16, no. 7 (2023): 302. http://dx.doi.org/10.3390/jrfm16070302.

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This study examined credit risk management and return on equity of Nigerian deposit money banks (DMBs) twelve (12) years (2010–2021) post-adoption of the common accounting year-end as mandated by the Central Bank of Nigeria (CBN) in 2009. Our data set comprises independent variables of capital adequacy ratio (CAR), liquidity ratio (LQR), loan-to-deposit ratio (LDR), risk asset ratio (RAR), non-performing loans ratio (NPLR), loan loss provision ratio (LLP), and size (SZ). Our dependent variable is the return on equity (ROE). Using a panel data regression analysis, we found that CAR, RAR, NPLR,

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Mbugua, Keziah Njoki, and George Kosimbei. "Determinants of Loan Repayment of Government Funding to Vulnerable Groups; A Case of Biashara Fund in Kiambu County, Kenya." International Journal of Current Aspects 3, no. VI (2019): 83–100. http://dx.doi.org/10.35942/ijcab.v3ivi.80.

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In an attempt to alleviate poverty and empower the vulnerable population, many non- governmental organizations and government line agencies have provided revolving funds to its citizens. The County Government of Kiambu introduced Biashara Fund to empower its youth. The major challenge has been identifying the most deserving beneficiary and minimizing the risk of loan non-repayment. Such, has however not been possible as at times, the rate of defaulters has been reported to be substantially high, leading to writing off such debts at the expense of the revolving funds. The role of the government

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Menicucci, Elisa, and Guido Paolucci. "The determinants of bank profitability: empirical evidence from European banking sector." Journal of Financial Reporting and Accounting 14, no. 1 (2016): 86–115. http://dx.doi.org/10.1108/jfra-05-2015-0060.

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Purpose The purpose of this paper is to investigate the relationship between bank-specific characteristics and profitability in European banking sector to find the role of internal factors in achieving high profitability. Design/methodology/approach A regression analysis is built on an unbalanced panel data set comprising 175 observations of 35 top European banks over the period 2009-2013. To this end, the empirical data are collected from Bankscope and a comprehensive set of internal characteristics is examined. Findings All the determinant variables included in the model have statistically s

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Krishna, Meher, and Majhi Muralidhar. "Determinants of Rural Credit in Odisha: A Case Study in Bijepur Block of Bargarh District." Journal of Studies in Dynamics and Change -JSDC 10, no. 2 (2023): 19–26. https://doi.org/10.5281/zenodo.8103497.

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<em>This study has been designed to examine the determinants of rural credit in Odisha. In rural India, most of people take loans from the various formal as well informal sources. The amount of credit depends upon its determinants such as the size of households, rate of interest, size of landholdings, and size of own residential plots basing on these determinants rural people draw credit, but because of not good return from their field, they are unable to repay on time.</em>

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Ge, Wenxia, Tony Kang, Gerald J. Lobo, and Byron Y. Song. "Investment decisions and bank loan contracting." Asian Review of Accounting 25, no. 2 (2017): 262–87. http://dx.doi.org/10.1108/ara-03-2016-0027.

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Purpose The purpose of this paper is to examine how a firm’s investment behavior relates to its subsequent bank loan contracting. Design/methodology/approach Using a sample of US firms during the period 1992-2011, the authors examine the association between overinvestment (underinvestment) and three characteristics of bank loan contracts: loan spread, collateral requirement, and loan maturity. Findings The authors find that overinvesting firms obtain loans with higher loan spreads. Additional tests show that the effect of overinvestment on loan spreads is generally more pronounced in firms wit

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Ahmed, Shakeel, M. Ejaz Majeed, Eleftherios Thalassinos, and Yannis Thalassinos. "The Impact of Bank Specific and Macro-Economic Factors on Non-Performing Loans in the Banking Sector: Evidence from an Emerging Economy." Journal of Risk and Financial Management 14, no. 5 (2021): 217. http://dx.doi.org/10.3390/jrfm14050217.

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The current study examines macro-economic and bank specific determinants of non-performing loans (NPLs) for commercial banks from 2008–2018. The Pakistani banking sector has observed a significant increase in NPLs. In addition, the current study is undertaken to fill this gap in the literature as most of the prior studies focus on the developed markets. In the current study, we prefer the system GMM estimator. Its reliability depends on the validity of the instruments. To testing the second-order serial correlation, we apply the J test for testing the validity of the instruments and the Arella

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Nyanumba, Victor Machuki, and Hellen Araka. "Influence of Joint Liability on Enterprise Development of Rural Women in Nyamache Sub-County, Kisii County, Kenya." East African Journal of Business and Economics 6, no. 1 (2023): 233–41. http://dx.doi.org/10.37284/eajbe.6.1.1341.

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Group lending has received great attention from economists and policymakers for its successful credit delivery to poor borrowers and its role in alleviating poverty in developing countries. The success of group lending in providing credit to poor borrowers has been attributed to its ability to mitigate the asymmetry of information and enforcement problems in credit markets. The ability of group lending institutions to overcome the asymmetry of information and enforcement problems has been theorised to be the driving force behind their outreach to the poor, their sustainability, and their repay

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Nabende, Robert, Ibrahim Mukisa, and Edward Bbaale. "Determinants of Interest Rate Spreads In Uganda’s Commercial Banking Sector: A Panel Data Analysis." Tanzanian Economic Review 9, no. 2 (2019): 1–32. http://dx.doi.org/10.56279/ter.v9i2.44.

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Uganda’s interest rate spreads have persistently remained high despite the financial liberalisation undertaken in the 1990s. Using data for 24 banks, we assess the determinants of interest rate spreads in Uganda’s commercial banking sector for the period 2005-2015. Results show that, among the bank-specific factors, interest rate spreads increase with increase in credit risk, liquidity risk, and capital adequacy ratio. Contrary to most studies and a priori expectations, non-interest income is shown to be positively related to bank spreads. Bank size is shown to be negatively related to interes

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Hossain, Akash, and Raad Mozib Lalon. "An Empirical Investigation on the Determinants of Interest Rate Spread of Commercial Banks in Bangladesh." International Journal of Economics and Financial Issues 14, no. 6 (2024): 97–103. http://dx.doi.org/10.32479/ijefi.16854.

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This paper aims to investigate the determinants or factors affecting the interest rate spread of private commercial banks in Bangladesh from 2013 to 2022. For the purpose of the study, the interest rate spread (IRS) of banks has been considered as a dependent variable while bank-specific factors and macroeconomic factors have been considered independent variables. Bank-specific factors are credit risk, bank size, operating cost ratio, liquidity risk, net interest income as a ratio of total income, capital adequacy ratio, and loan to deposit ratio while macroeconomic factors are Inflation and G

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Bohara, Indra Bahadur. "Internal determinants of profitability in Nepali commercial banks." Shanti Journal 4, no. 1 (2024): 129–47. http://dx.doi.org/10.3126/shantij.v4i1.70564.

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Bank is the financial institutions, which collects the deposit from the general public and institutions and provides loan to mobilize the resources in the economy that support to develop the stable economy in the country. The stable economy of the country depends on the successful operation and better financial performance of the banking industry. The stability and growth of the bank have direct relationship with its profitability. There are several internal and external determinants of measuring profitability of the bank. The main objective of this study is to examine the relationship between

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K Ozili, Peterson. "BANK PROFITABILITY DETERMINANTS: COMPARING THE UNITED STATES, NIGERIA AND SOUTH AFRICA." Vol. 16, Number 1, 2021 16, Number 1 (2021): 55–78. http://dx.doi.org/10.32890/ijbf2021.16.1.4.

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This study investigates the determinants of banking sector profitability in South Africa, Nigeria and the United States. The findings reveal that cost efficiency, the size of non-performing loans and overhead cost to total asset ratio are significant determinants of the banking sector profitability. In the comparative analysis, the findings from South Africa show that the cost efficiency ratio, overhead cost to total asset ratio and non-performing loans are significant determinants of the banking sector profitability. In the United States, capital adequacy ratio and the size of non-performing

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Ghosh, Amit. "Do real estate loans reflect regional banking and economic conditions?" Journal of Financial Economic Policy 8, no. 1 (2016): 37–63. http://dx.doi.org/10.1108/jfep-09-2015-0050.

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Purpose Using state-level data, the purpose of this paper is to examine state banking-industry specific as well as region economic determinants of real estate lending of commercial banks across all 51 states spanning the period 1966-2014. Design/methodology/approach Using both fixed-effects and dynamic-generalized method of moments (GMM) estimation techniques the study compares the sensitivity of different categories of real estate loans to regional banking and economic conditions. Finally, it provides a comparative perspective by comparing the results for real estate loans with other categori

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Yuni, Denis Nfor, Kenneth U. Nnadi, and Uzochukwu Amakom. "Credit Access and Productivity of Green Small and Medium Size Enterprises in Rural Nigeria." Journal of Developing Areas 58, no. 1 (2024): 39–53. http://dx.doi.org/10.1353/jda.2024.a924514.

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ABSTRACT: Small and Medium size Enterprises (SMEs) have played critical roles in developing great economies over the years but are being stalled in African economies. Literature posits that the variation is largely due to limited finance for SMEs in Africa. SMEs in Nigeria have not performed credibly well over the years with its contribution to the GDP still below 5%. The consequences of climate change on agro-based firms further creates the need for credit to boost productivity. As relevant as this might be, existing empirical research seldom examined the effect of credit access on productivi

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Joshua, Adewale ADEJUWON, and Abiodun Fasunle Fashina. "Cost of Fund as a Determinant of Customers Loan Preference between Federal Mortgage Bank of Nigeria and Primary Mortgage Banks." International Journal of Management Sciences and Business Research 10, no. 06 (2021): 29–37. https://doi.org/10.5281/zenodo.5066731.

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<em>High cost of fund has constituted a serious issue that discourages borrowers from accessing funds for housing development. The main objective of this study is to examine finance cost as determinant of customer loan preference between Federal Mortgage Bank of Nigeria (FMBN) and Primary Mortgage Banks (PMBs). The study employed survey design method. The population size was 329,826 and the sample size of 400 respondents from the total population was determined using Yomens (2000) formula. The study adopted questionnaire as a primary source for data collection. The data obtained were analysed

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Do Doan Trang, Dao Le Kieu Oanh, Le Ngoc Thuy Trang, and Wing-Keung Wong. "The Determinants of Non-traditional Activities of Vietnamese Commercial Banks: The Role of Women, Private Sector and Foreign Investors." Asian Academy of Management Journal of Accounting and Finance 21, no. 1 (2025): 123–52. https://doi.org/10.21315/aamjaf2025.21.1.5.

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This study investigates the determinants and their influence on non-traditional banking activities among commercial banks in Vietnam, measured by non-interest income. Using a panel dataset of 23 listed Vietnamese commercial banks from 2010 to 2021, the research applies various panel data estimation techniques, including OLS, FEM, REM and GLS, to address potential model specification issues. However, the two step Generalised Method of Moments (GMM) estimator is ultimately employed due to its robustness in handling endogeneity and dynamic relationships. The results reveal that operational effici

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Thapa, Bhim Kumar, Rajesh Kumar Chaulagain, and Ramesh Rasik Paudel. "Capital Adequacy in Nepalese Commercial Banks: The Role of Size, Profitability and Credit Risk." International Research Journal of MMC 6, no. 1 (2025): 143–56. https://doi.org/10.3126/irjmmc.v6i1.77931.

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Purpose: The research investigates the factors affecting Capital Adequacy Ratio (CAR) in Nepalese commercial banks through an analysis of bank size in addition to Return on Equity (ROE), Return on Assets (ROA), and Non-Performing Loans (NPLs). These factors show their impact on financial stability together with regulatory compliance according to the research findings. Design/methodology/approach: The research used explanatory and descriptive statistics with quantitative approach. The research analyzed 19 Nepalese commercial banks through their data collected over ten years from 2015 to 2024. T

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Gautam, Madhusudan. "Perception towards Firm Value in Nepalese Banking Sector." Management Dynamics 24, no. 1 (2021): 95–106. http://dx.doi.org/10.3126/md.v24i1.47548.

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Determining firm value in commercial banks is challenging because its value is affected by various internal and external determinants. Using a structured questionnaire, this study aims to assess a survey on the perception of firm value in Nepalese commercial banks. Three hundred questionnaires were distributed equally among depositors and investors. Among them, 183 questionnaires were collected into usable form. The findings revealed that depositors and investors perceive that deposit, profitability, capital adequacy and good governance affect bank value. Publication of financial reports is on

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Wijantini, Wijantini. "The Indirect Costs of Financial Distress in Indonesia." Gadjah Mada International Journal of Business 9, no. 2 (2007): 157. http://dx.doi.org/10.22146/gamaijb.5599.

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This paper presents quantitative estimates of the indirect cost of financial distress and its determinants. In order to measure the cost, this study estimates the annualized changes in industry-adjusted operation profit and sales from a year before the onset of distress to the resolution year. Using those approaches, the median of indirect financial distress cost is estimated between three and 11 percent annually. To the extent that the direct cost of financial distress reduces reported operating income, the estimated costs are overstated. The simple regressions analysis suggest that the indir

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Klepková Vodová, Pavla. "Determinants of Solvency in Selected CEE Banking Sectors: Does Affiliation with the Financial Conglomerate Matter?" Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 67, no. 2 (2019): 493–501. http://dx.doi.org/10.11118/actaun201967020493.

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The aim of this paper is to describe the development of bank solvency in six selected Central and Eastern European countries (Bosnia and Herzegovina, Bulgaria, Croatia, Romania, Serbia and Slovenia) and to find out if the share of equity in total assets is influenced by the affiliation of banks with financial conglomerate or if other determinants are more important. The data cover the period from 2011 to 2017. The highest level of capital buffers hold Serbian banks, solvency of Croatian and Slovenian banks is below average. The results of the panel data regression analysis showed that the affi

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Oke FO, FO, IA Kareem IA, SA Bamigbade-Sanni, D. Akerele, and MO Oose. "Impact assessment of cooperatives on food security among catfish farming households in Oyo State, Nigeria." African Journal of Food, Agriculture, Nutrition and Development 23, no. 04 (2023): 23081–98. http://dx.doi.org/10.18697/ajfand.119.21765.

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Lack of agricultural credit has remained a major constraint to production in agriculture. The role of cooperatives particularly among farming households in expanding productivity and eventually ensuring food security cannot be overstated. This study examined food security status and its determinants among catfish farming households in Oyo State, Nigeria. A multistage sampling technique was employed to select 120 catfish farming households. Primary data was collected using a structured questionnaire and analyzed using descriptive statistics, the United States Department of Agriculture (USDA) ho

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Sari, Imelda, and Suparno Suparno. "PENGARUH DANA PIHAK KETIGA PERBANKAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA: A Theoritical Approach." JAE (JURNAL AKUNTANSI DAN EKONOMI) 9, no. 1 (2024): 43–53. http://dx.doi.org/10.29407/jae.v9i1.21828.

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Economic growth is an important determinant of individual income levels and the growth rate of a particular region, measured through GDP. The NPF ratio serves as a metric to assess credit quality or the bank's competence in managing credit risk. DPK includes funds obtained from the public in the form of investment products. The methods used in this article include a qualitative approach involving a literature study or library-based research. The purpose of this investigation involves analyzing the prevailing theories through a comparative examination of the literature pertaining to the researc

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Staněk, Rostislav. "Determinants of Bank Efficiency: Evidence from Czech Banking Sector." Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 63, no. 3 (2015): 1005–11. http://dx.doi.org/10.11118/actaun201563031005.

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The paper identifies bank-specific determinants of Czech commercial bank efficiency during the period 2000–2012. The paper employs a panel version of a stochastic efficiency frontier model with time variant efficiency to identify the impact of bank size and the structure of bank’s portfolio on the bank’s cost and profit efficiency. The results of the estimation show that bank size has no impact on cost efficiency but it negatively influences the bank’s ability to generate revenue. Cost efficiency increases with deposit-to-assets ratio and profit efficiency increases with loans-to-assets ratio.

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Dogba, Kollie, Willis Oluoch Kosura, and Chepchumba Chumo. "Stochastic meta-frontier function analysis of the regional efficiency and technology gap ratios (TGRs) of small-scale cassava producers in Liberia." African Journal of Agricultural and Resource Economics 16, no. 1 (2021): 64–79. http://dx.doi.org/10.53936/afjare.2021.16(2).05.

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To enrich agriculture reform and reap its benefits, policy makers need to localise policy issues within and across their domestic zones. Using a stochastic meta-frontier function, this study analysed the production efficiency of the cassava subsector of cassava growers from Bomi and Nimba counties in Liberia. The paper contributes to the domestication of agriculture policy issues within a country. The study found different scales of production returns for cassava growers in Bomi and Nimba counties. Farmer age, gender, household size and access to credit were key determinants of the technical g

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Arifin, Agus, FX Sugiyanto, and Wahyu Widodo. "Measuring Moral Hazard Behaviour and its Determinants Within Credit Installment." Economics Development Analysis Journal 7, no. 4 (2018): 493–502. http://dx.doi.org/10.15294/edaj.v7i4.25976.

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Non performing loans (NPL) is an indicator of debtor’s inability in credit repayment which indicates the presence of asymmetric information that might cause moral hazard. This research aims to measure the level of moral hazard and its determinants of micro and small enterprises debtors of Bank Jateng which have NPL. The data were collected from 58 debtors who were selected using simple random sampling. Rating scale method was used to measure the level of moral hazard while regression was used to analyze variables determining moral hazard. The research found that (1) the level of debtor’s moral

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Quy, Vo Thi, and Pham Dang Tuan. "Determinants of a bank's profitability with the mediating role of interest rate spread: A case of Vietnam." Asian Economic and Financial Review 14, no. 5 (2024): 339–55. http://dx.doi.org/10.55493/5002.v14i5.5041.

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Considering the fundamental function of commercial banks in the economy, which involves the facilitation of fund transfers from lenders to borrowers, it is imperative for these institutions to carry out this task in a manner that is both efficient and effective. This is crucial to fostering economic growth and enhancing social welfare. A bank's profitability has been a subject of scrutiny by researchers in many countries for decades. This study aims to analyze the impact of interest rate spread (IRS) and its mediating role in the relationship between bank-specific factors and the bank's profit

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Barik, S. S., and Nishita Raje. "Net Interest Margins of Banks in India." Margin: The Journal of Applied Economic Research 13, no. 2 (2019): 192–207. http://dx.doi.org/10.1177/0973801018812545.

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Net interest margin (NIM) is the raison d’être of banking. It is an important measure of efficacy of the banking sector. At the system level, it is indicative of the cost of financial intermediation, health of the banking sector and its pricing power. In recent years, the Indian banking sector has experienced a major metamorphosis, with increasing competition and changing norms of liquidity, income recognition and capital. The end of regulatory forbearance and asset quality review (AQR) unearthed significant non-performing assets. This article traces the influence of various factors on the NIM

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Kovacova, Maria, Vladimir Krajcik, Lucia Michalkova, and Roman Blazek. "Valuing the Interest Tax Shield in the Central European Economies: Panel Data Approach." Journal of Competitiveness 14, no. 2 (2022): 41–59. http://dx.doi.org/10.7441/joc.2022.02.03.

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Capital structure is one of the most frequently discussed issues within Corporate Finance Theory. Optimizing the capital structure and value of the tax shield through the evaluation of its interests can lead to the increasing value of the enterprise, followed by the rising competitiveness and flexibility. The aim of this study is to provide a novel look at the value of the interest tax shield and its determinants in the emerging economies of the Visegrad Four. The model was created on a net sample of nearly 7,000 profitable enterprises between 2015 and 2019 using a one-way fixed effects model

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Debnath, Rahman, Acharjee, Latif, and Wang. "Empowering Women through Microcredit in Bangladesh: An Empirical Study." International Journal of Financial Studies 7, no. 3 (2019): 37. http://dx.doi.org/10.3390/ijfs7030037.

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The present study was carried out to identify the determinants of microcredit accessibility by rural women households and its impact on rural women empowerment in Bangladesh. A face-to-face survey was conducted during 2018, interviewing 300 women households in two locations in Bangladesh. Descriptive statistics and econometric modeling were used to achieve the objectives. The results of the study showed that the higher annual income inversely related with the accessibility to the microcredit program, whereas family size (P <0.05) was positive and significantly influenced the accessibility t

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Yahaya, Adamu, Jibrin Nuhu Shagari, and Ahmed Mohammed. "BANK SIZE AND FINANCIAL PERFORMANCE IN SUB-SAHARAN AFRICA." Malaysian Management Journal 26 (July 31, 2022): 1–30. http://dx.doi.org/10.32890/mmj2022.26.1.

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Bank size is one of the vital internal determinants of banking performance, although scholars hold contradictory views on bank size and its influence on performance. The aim is to examine the effect of bank size on quoted deposit money banks (DMBs) in the region of sub-Saharan Africa (SSA). The sample, collected over a period of nine years (2011-2019) included fifty listed commercial banks drawn from across the six sub-Saharan African countries, namely Nigeria, Ghana, South Africa, Zambia, Kenya, and Tanzania. The data were analyzed using a two-step system generalized method of moment (GMM). T

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Chune, Midamba Dick. "Determinants of Maize Production Income in Western Uganda." East African Journal of Agriculture and Biotechnology 5, no. 1 (2022): 1–13. http://dx.doi.org/10.37284/eajab.5.1.532.

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Many smallholder farmers produce maize for both consumption and income purposes. Despite the role played by maize, its income production is low, especially in developing countries. In order to formulate policies targeting maize productivity, it was necessary to have knowledge of the determinants of maize production income. As such, this study aimed at determining the level of income and its determinants from maize farmers. Consequently, data was collected from 220 maize farmers using structured questionnaires. The ordinary least squares model was used to determine the determinants. The results

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Tania Parvin, Mst, Kanij Fatema, and Sadika Haque. "Factors Determining the Credit Accessibility by the Small-Scale Entrepreneurs: A Case of Handloom Weaving in Bangladesh." International Journal of Business and Management 15, no. 8 (2020): 93. http://dx.doi.org/10.5539/ijbm.v15n8p93.

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This study examines the determinants of access to credit by the handloom weavers in Bangladesh. Using the multistage sampling technique, the primary data for the analysis were collected from 311 randomly selected handloom weavers from Sirajganj district of Bangladesh during July to December 2015. The data are analyzed by using the Logit model. The model identifies several individual, household, community, and institution-specific factors as the significant determinants of credit access. Among them, family size, farm size, work experience, saving and the flexibility in the terms and conditions

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Mafirakurewa, Tariro, Abbyssinia Mushunje, and Siphe Zantsi. "Factors Influencing Smallholder Farmers’ Decisions to Participate in Loan-Based Farming in Mutare District, Zimbabwe—A Double-Hurdle Model Approach." Agriculture 13, no. 12 (2023): 2225. http://dx.doi.org/10.3390/agriculture13122225.

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Agriculture is an important sector in Zimbabwe’s economy. More than 70% of the population are smallholders relying on agriculture. To support agriculture, Zimbabwe’s government introduced a Targeted Command Agriculture Programme (TCAP), in terms of which the state provides production inputs like seeds, fertilisers, protection chemicals, and extension services. In turn, the farmer is expected to produce 5 tonnes of maize per hectare for the Grain Marketing Board. The cost of inputs that the state provided is then deducted from the 5-tonne maize yield, and the farmer is paid the balance. Numerou

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