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Bank-specific & Macroeconomic Determinants of Profitability: Empirical Evidence from Bangladeshi Private Commercial Banks
Mosaddak Ahmed Chowdhury,
Md. Abdul Gaffar Salman
Issue:
Volume 7, Issue 4, December 2021
Pages:
72-80
Received:
6 August 2021
Accepted:
20 August 2021
Published:
30 October 2021
Abstract: This paper tries to investigate the determinants of profitability for Bangladeshi private commercial banks. The return on assets (ROA) and return on equity (ROE) are two important variables that have been used in this study to indicate profitability. The study considered a set of independent variables such as bank-specific factors that comprise bank size, capital adequacy, asset quality, liquidity, deposits, asset management, operational efficiency; and macroeconomic factors such as GDP growth rate, inflation rate, interest rate and exchange rate. The data for 25 private commercial banks from Bangladesh over the period of 2012 to 2019 have been analyzed. Overall, the findings are satisfactory. The capital adequacy ratio, asset management ratio and GDP growth rate are found to have significant positive impact on ROA and ROE of the private commercial banks in Bangladesh. The asset quality, liquidity and deposit ratios also have a significant positive impact on ROE; and an insignificant positive impact on ROA. The cost to income ratio and bank size both have a negative association with ROA and ROE. These imply some sort of scale inefficiencies and problems in minimizing costs associated with increasing equity. The conclusion prioritizes that the financial sector authority in Bangladesh should continue their current role towards having a sustainable banking industry and thus having the economic growth, welfare and prosperity of the nation.
Abstract: This paper tries to investigate the determinants of profitability for Bangladeshi private commercial banks. The return on assets (ROA) and return on equity (ROE) are two important variables that have been used in this study to indicate profitability. The study considered a set of independent variables such as bank-specific factors that comprise ban...
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A Process Mining Approach for Studying Traveller’s Behaviour in Cuba by Means of Customer Journey Analysis
Fidel Pineda Bravo,
Patricia Gonzalez Perez,
Waldo Perez Garcia
Issue:
Volume 7, Issue 4, December 2021
Pages:
81-89
Received:
2 October 2021
Accepted:
26 October 2021
Published:
30 October 2021
Abstract: Nowadays it is essential for tourism companies to provide increasingly personalized services, and to do so, the quality of the customer experience at an end-to-end level must be improved in every possible way. Customer journey mapping has become one of the most innovative and effective techniques to increase companies' knowledge of their customers. While traditional approaches provide an incomplete view of what actually happens during the journey and the inflection points that determine customer behaviour, a new technique has now been developed that, coupled with CJM, addresses all these limitations: process mining. Process mining techniques use the event logs that store customer decision information and provide a comprehensive map that describes customer behaviour during the stages of the customer lifecycle more effectively than previously employed approaches, not only in terms of the end result, but also in terms of resource savings. This paper shows the application of process mining to analyze a sales web logs to map the customer journey. By means of a case study, in a receptive travel agency, the results of the use of these techniques are presented, discovering the processes that better describe the traveller's behaviour and finding useful insights to improve the customers experiences during they stay in the destination Cuba.
Abstract: Nowadays it is essential for tourism companies to provide increasingly personalized services, and to do so, the quality of the customer experience at an end-to-end level must be improved in every possible way. Customer journey mapping has become one of the most innovative and effective techniques to increase companies' knowledge of their customers....
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Factors that Affect Successful Implementation of Development Projects in Amhara Region: A Case of Amhara Building and Menkorer Construction Enterprises
Zewdu Eskezia Gelaye,
Birhanu Daba Chali,
Solomon Asfaw,
Kidane Alemu Ago,
Bazezew Endalew Abegaz
Issue:
Volume 7, Issue 4, December 2021
Pages:
90-97
Received:
29 July 2021
Accepted:
27 September 2021
Published:
5 November 2021
Abstract: All most all projects that are development oriented in different areas and different countries, even if they are completed, they will not be successfully implemented on the scheduled time or may not be on the budgeted time frame or they will not be on the expected quality due to different factors. The major objective of this study is to determine factors that affect the successful implementation of development projects in Amhara national regional state. To come up with this objective the raw data was collected from Amhara building construction enterprise, Menkorer constriction enterprise and Amhara national regional state administration office. The researcher used a mixed research approach which is both quantitative and qualitative research approaches. The sampling technique used was Stratified judgmental non probability method to select proportional number of samples from the target population of the study. The raw data was analyzed by using multiple linear regression analysis method. The findings of the research output were identified as problems which are related with the release of project funds on time, shortage of raw materials during construction and poor project planning and preparation negatively affects the successful implementation of development projects within the region. After identifying the problems based on the output of the study, the researcher suggests the most possible ways to alleviate the problems.
Abstract: All most all projects that are development oriented in different areas and different countries, even if they are completed, they will not be successfully implemented on the scheduled time or may not be on the budgeted time frame or they will not be on the expected quality due to different factors. The major objective of this study is to determine f...
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Analysis of Rural Poverty at Household Level in Silte Wereda, Southern Ethiopia
Issue:
Volume 7, Issue 4, December 2021
Pages:
98-104
Received:
19 March 2021
Accepted:
5 July 2021
Published:
5 November 2021
Abstract: Poverty is getting a serious social problem in the world and drawing attention of the international community for global solution. It remains challenging particularly in Developing Countries. Ethiopia is among the countries which, striving toward alleviating the problem for many years; however the problem has still persisted and caused many suffering. This study was carried out in Silte Wereda of South Nations Nationalities Regional State (SNNPRS); specifically, the study aim at measuring the magnitude and identifying determinants of poverty in the Wereda. Thus, to meet these objectives, primary data was collected by structured interview from 365 selected sample household. Thus applied descriptive statistics and econometric (logit) model in order to identify the poor and non-poor; analyze the incidence, depth and severity of poverty; and associating livelihood capital with rural poverty have been made. In setting poverty line, Cost Benefit Necessity approach was employed. This has been done by using basket of food items actually consumed by the households and converted to calorie. Based on this, the total poverty line was estimated to Birr 4,380.00 adult equivalent per year, out of this Birr 2,989.50 for food poverty line and Birr 1,390.50 for non-food. The Foster-Greer-Thorbecke (FGT) Poverty Index result shows 41.1% of the sample households have lived under the poverty line, the total consumption required to lift up the poor households to the poverty line is 11.3%, and poverty severity is 4.3%. The binary logit regression econometric model result indicated that out of the twelve variables which included in the model, seven explanatory variables were found significant up to less than 5% probability level. Accordingly, off-farm and non-farm income, educational level, access to credit and contact of agricultural extension worker, ownership of livestock and cultivated land were found as theoretical expectation statistically significant and had negatively association and family size positively associating with the status of poverty of rural households in surveyed area. Thus, promoting education, family planning, diversification credit accessibility, linkage between rural and urban, strengthens research extension-farmer linkage and productivity of land suppose to be policy intervention for targeting rural poverty.
Abstract: Poverty is getting a serious social problem in the world and drawing attention of the international community for global solution. It remains challenging particularly in Developing Countries. Ethiopia is among the countries which, striving toward alleviating the problem for many years; however the problem has still persisted and caused many sufferi...
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Green Tea Consumption and Its Determinants in Taraba State of Nigeria
Oladokun Yetunde Olasimbo Mary,
Oluyole Kayode Akanni
Issue:
Volume 7, Issue 4, December 2021
Pages:
105-111
Received:
22 June 2021
Accepted:
5 July 2021
Published:
10 November 2021
Abstract: Green tea is obtained from unfermented tea leaves. This product is typical of the use of tea in China and Japan. This study examined the green tea consumption and its determinants in Taraba State, Nigeria. Respondents were selected in the study area using Multistage sampling technique. Three villages were randomly selected; they are Mayo-kusuku, Kakara and Kasalasah. Information was obtained from the respondents using well structured questionnaire. Information was collected from 128 respondents and the information collected was used for analysis. Analytical techniques used in the study are descriptive statistics, composite score analysis and ordered probit regression. Sixty seven percent of the respondents that consume green tea are above 30years. The mean age of the respondents is 41years. Majority of green tea consumers are male (92.2%). Majority (89.8%) of green tea consumers in Taraba State are farmers. Also, in the study, 94.1% of the respondents said that they consumed green tea while 6% of the respondents do not consume green tea. The reasons why they do not consume green tea are: they do not like it (2.2%), they do not have money to buy it (13.2%), they do not know where to buy it (7.4%), other reasons (0.7%). Eighty six percent of respondents reported that they consumed between 1 and 7 sachets per week, 8% consumedbetween 8 and 14 sachets per week while 6% consumed more than 15 sachets per week. Sixty two percent of the respondents are in the low level meaning they consume between 1and 2 sachets. Twenty seven percent are in the medium/intermediate level. Respondents in this level consume between 3 and 10 sachets. Twelve percent of the respondents are in the high level meaning they consume between 11 and 36 sachets of green tea. Age (β=0.03), sex of respondent (female: β=1.07), location (Kakara β=1.03; Kasalasah β=1.27) improved green tea consumption while occupation (technical/craftsmanship: β=-2.92), price of green tea (β=-0.29) reduced green tea consumption. This study recommended that appropriate measures should be put in place for farmers to reduce price of green tea so that more people can buy and consume green tea.
Abstract: Green tea is obtained from unfermented tea leaves. This product is typical of the use of tea in China and Japan. This study examined the green tea consumption and its determinants in Taraba State, Nigeria. Respondents were selected in the study area using Multistage sampling technique. Three villages were randomly selected; they are Mayo-kusuku, Ka...
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Assessing the Impact of Procurement Activities in Achieving Quality at Nestle Ghana Limited in the Manufacturing Sector in Ghana
Issue:
Volume 7, Issue 4, December 2021
Pages:
112-117
Received:
7 June 2021
Accepted:
25 June 2021
Published:
17 November 2021
Abstract: The study sought to address the various impacts of procurement activities in achieving quality in manufacturing companies in Ghana and beyond. Purchaser’s contribution in helping the organizations to implement these quality strategies is key to the sustainability, survival and performance improvement of these manufacturing companies in general. The research was aimed at identifying the challenges associated with implementation of quality standards at Nestle Ghana, to identify how procurement can help in ensuring quality of products at Nestle Ghana Limited, identify the role of quality management in procurement at Nestle Ghana Limited, to find out the quality management systems that has been put in place at Nestle Ghana Limited and to assess how quality control and quality assurance has helped improve the performance of Nestle Ghana Limited. This has proved beneficial enough to the extent that, data collected was analyzed and conclusions was drawn based on the responses gathered which showed that Nestlé’s hindrance in implementing robust quality frameworks was due to lack of commitment and ignorance on the part of the organization in general. After the relevant data has been collected and analyzed evidences proved beyond reasonable doubt that inadequate funds, lack of organizational support, low knowledge on the quality practices, returns from customers, noncompliance to the standards, the expensive nature of implementing these quality strategies on the part of the company poses inherent reputational risk to the company.
Abstract: The study sought to address the various impacts of procurement activities in achieving quality in manufacturing companies in Ghana and beyond. Purchaser’s contribution in helping the organizations to implement these quality strategies is key to the sustainability, survival and performance improvement of these manufacturing companies in general. The...
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Exploring Socio Economic Determinants of Attitude Towards Female Managers in Private and Public Banks: A Case of Bahir Dar City
Issue:
Volume 7, Issue 4, December 2021
Pages:
118-126
Received:
19 October 2021
Accepted:
8 November 2021
Published:
17 November 2021
Abstract: Businesses and organizations that fail to fully understand attitudes towards female as managers will limit their success. For organizations, uncovering employee’s attitudes about the ability of female to serve in managerial positions will affect the extent to which female are trained and developed for managerial positions or are assigned to supervisors who will encourage them and serve as mentors. Thus, the study aimed to examine socio economic determinants of attitude towards female mangers in private and public banks: a case of Bahir Dar city. The demographic information of employees was independent variables and attitudes towards female mangers was the dependent variable of the study. A total sample of 238 employees was selected by employing probability random sampling method. Enumerator administered schedule that has three sections was distributed to all the selected employees to collect the necessary primary data. Stratified sampling technique was used at the time of data collection. Descriptive and inferential statistical tools such as; frequency tables, percentages, means, standard deviations, and multiple regression were used to data analysis. The value of adjusted R Square obtained were 0.663, demonstrates that 66.3 percent of attitude variation towards female managers can be explained by the independent variables. Based on the statistical analysis, the variables namely gender, age, education level, and direct experience have found a significant influence on attitude towards female managers. The result indicates that significant differences were found on the basis of the above mentioned variables. However, no significant influence on attitude towards female managers were found on the basis of marital status and sector type of the employees.
Abstract: Businesses and organizations that fail to fully understand attitudes towards female as managers will limit their success. For organizations, uncovering employee’s attitudes about the ability of female to serve in managerial positions will affect the extent to which female are trained and developed for managerial positions or are assigned to supervi...
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Challenges and Opportunities of Satranji Shilpa in Rangpur, Bangladesh
Issue:
Volume 7, Issue 4, December 2021
Pages:
127-136
Received:
28 August 2021
Accepted:
1 November 2021
Published:
24 November 2021
Abstract: This paper aimed to study the creative evolution of Satranji Shilpa, Satranji Palli, artisans (Satranji Palli people). This study is about the socio-economic context issues that empirically do the challenges and opportunities areas of work. A descriptive type of study uses a set of questionnaires for the entrepreneurs to know the actualities of opportunities and challenging factors. The purposive sampling technique helped the study to make it more comprehensive. There use both primary and secondary data. To analyses the data, there use SPSS-V-23. To facilitate the analysis of issues and criteria. It has been found that there are related factors like finance, economics, workforce, marketing, and raw materials to the challenges and opportunities issues. These factors impact entrepreneurship in a different pathway. There are many weaknesses in this study by keeping many potentialities. Already the government took many initiatives to promote this type of industry. It is suggested that there needs more care to attain sustainable development goals as per the locale's development scale economically.
Abstract: This paper aimed to study the creative evolution of Satranji Shilpa, Satranji Palli, artisans (Satranji Palli people). This study is about the socio-economic context issues that empirically do the challenges and opportunities areas of work. A descriptive type of study uses a set of questionnaires for the entrepreneurs to know the actualities of opp...
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Nonlinear Effect of Human Capital on Economic Growth
Issue:
Volume 7, Issue 4, December 2021
Pages:
137-145
Received:
23 November 2021
Accepted:
6 December 2021
Published:
11 December 2021
Abstract: Under the “new normal”, China's economic development mode has shifted from scale and speed to quality and efficiency, and the development driving force has shifted from mainly relying on factor inputs such as resources and low-cost labor to innovation driven. Therefore, it is particularly important to correctly understand the different promoting effects of human capital on economic growth in different stages of human capital development. Consequently, the panel smooth transition regression model was used to study the threshold characteristics and regional differences for human capital of mental quality and physical quality to the economic growth from 1982 to 2019 in China. The results shown that, the mental quality and physical quality of urban and rural have nonlinear effects on economic growth, in addition to the model of physical quality of urban has two system, the other three models are three system. Except the effect of mental quality of rural on the economic growth inhibited the transformation of restrain to promote, the effect of rest of the models always shows promotion performance, along with the promotion of mental quality and physical quality of urban and rural, the promoting effect of economic growth is gradually strengthened. The stimulating effect of mental quality and physical quality of human capital on economic growth exits regional difference, the role of human capital on economic growth is more obvious especially in the eastern coastal areas and relatively developed areas of economy.
Abstract: Under the “new normal”, China's economic development mode has shifted from scale and speed to quality and efficiency, and the development driving force has shifted from mainly relying on factor inputs such as resources and low-cost labor to innovation driven. Therefore, it is particularly important to correctly understand the different promoting ef...
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