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South Asian Journal of Macroeconomics and Public Finance最新文献

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Predictors of Consumer Creditworthiness: Evidence from Personal Loan Borrowers of a Leading Public Bank in Sri Lanka 消费者信誉度的预测因素:来自斯里兰卡一家领先公共银行的个人贷款借款人的证据
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2023-07-04 DOI: 10.4038/sajf.v3i1.48
R. P. S. Nadeesha, P. Madhushani
{"title":"Predictors of Consumer Creditworthiness: Evidence from Personal Loan Borrowers of a Leading Public Bank in Sri Lanka","authors":"R. P. S. Nadeesha, P. Madhushani","doi":"10.4038/sajf.v3i1.48","DOIUrl":"https://doi.org/10.4038/sajf.v3i1.48","url":null,"abstract":"Purpose: The motivation of this study is to explore the significant determinants of consumers’ creditworthiness which support the development of a credit scoring model as non-performing loans are a major problem in lending institutions.Design/Methodology/Approach: Data were collected from four branches of a leading Commercial Bank in the Gampaha District under the convenience sampling technique with 130 personal loan borrowers as the study sample.Findings: The logit model test resulted that age, level of education, and monthly income, are positively influencing the creditworthiness of the borrowers. Increasing the number of dependents and the tenure of the loan have more chances of default. 39% to 56% of the dependent variable was explained by the independent variables in the regression model and the model predicted default correctly by 85.4%.Originality: The study contributes to the existing literature in terms of identifying important predictors for developing a credit-scoring model while helping lenders to assess the creditworthiness of personal loan applicants. Hence the study will assist in taking effectual measures to enhance the quality of the credit approval process and ultimately reduce the losses of lending institutions from bad debt.","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"16 1","pages":""},"PeriodicalIF":0.9,"publicationDate":"2023-07-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81644567","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Ownership Structure, Firm Size and the Operational Risk Management of Domestic Commercial Banks in Sri Lanka 股权结构、公司规模与斯里兰卡国内商业银行的操作风险管理
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2023-07-04 DOI: 10.4038/sajf.v3i1.51
S. Rathnayake, K. Nanayakkara
{"title":"Ownership Structure, Firm Size and the Operational Risk Management of Domestic Commercial Banks in Sri Lanka","authors":"S. Rathnayake, K. Nanayakkara","doi":"10.4038/sajf.v3i1.51","DOIUrl":"https://doi.org/10.4038/sajf.v3i1.51","url":null,"abstract":"Purpose: The banking sector is a crucial player in any economy, often affected by economic and social crises. Thus, it is vital to identify the intrinsic weaknesses of banks to manage their operational risk. The recent COVID-19 pandemic also severely affects the global financial sector, irrespective of the development status. Accordingly, this study is an attempt to find out the evidence on operational risk management and its relationship with bank size and ownership structure of the banking sector in one of the developing countries in the world, Sri Lanka.Design/Methodology/Approach: Financial data of eight out of thirteen commercial banks in Sri Lanka were analyzed over 13 years using panel data regression analysis. Sri Lankan banks' operational risk management practices are measured by excess capital (over the required minimum capital for operational risk). Deposits plus advances are used to calculate the size of a bank.Findings: It is revealed a significant positive relationship between firm size and operational risk management. A significant relationship between the ownership and excess capital held by banks for managing operational risk is also identified. This result leads to the conclusion that the larger commercial banks hold higher excess capital over the required minimum as per Basel accords. Moreover, government-owned banks are recognized to have more excess capital for operational risk management.Implications: Given the high amount of losses from bad loans and the central bank's implementation of Basel III regulations, the study has implications for Sri Lankan banks.Originality: When considering Sri Lankan context there can be found only a little amount of evidence on operational risk management practices and its relationship with size and ownership.","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"29 1","pages":""},"PeriodicalIF":0.9,"publicationDate":"2023-07-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82261384","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Banks’ Level Factors Affecting the Effective Implementation of Anti-Money Laundering Practices in Nepalese Banks: An Employee and Customer Perspectives 影响尼泊尔银行有效实施反洗钱措施的银行层面因素:员工和客户视角
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2023-07-04 DOI: 10.4038/sajf.v3i1.53
G. Biswakarma, P. Bhusal
{"title":"Banks’ Level Factors Affecting the Effective Implementation of Anti-Money Laundering Practices in Nepalese Banks: An Employee and Customer Perspectives","authors":"G. Biswakarma, P. Bhusal","doi":"10.4038/sajf.v3i1.53","DOIUrl":"https://doi.org/10.4038/sajf.v3i1.53","url":null,"abstract":"Purpose: Money laundering can affect global macroeconomic projections, currency markets, and financial stability by fueling shadow economies. Thus, the efficiency of the Anti-Money Laundering (AML) procedure must be investigated. Understanding such elements may help prevent money laundering. This necessitates studies to raise awareness and emphasize its importance. This study sought to assess customer understanding and examine the factors that affect the efficient application of AML regulations in Nepalese banks.Design/Methodology/Approach: This study includes responses from 201 bank consumers and 156 bank employees. The study focused on customers' AML awareness and how bank employees implement AML regulations in their respective banks.Findings: According to the study, consumers apprehend money laundering, terrorist financing, and their implications. According to bank employees, customers are unaware of money laundering and its consequences. Banking and financial institutions should prioritize education and awareness to improve the implementation of anti-money laundering regulations. Control over company sophistication, business ethics, customer awareness, and the AML system all have a favorable influence on Nepali banks' AML policies. The analysis reveals that business sophistication control is quite important.Originality: The study focused on consumer and employee AML knowledge, revealing ground-level perspectives. The study found the variables related to the bank's management and compliance department's views on AML policy implementation. This research assists government agencies and policymakers in developing national anti-money laundering measures and aids academics in AML procedure implementation.","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"35 1","pages":""},"PeriodicalIF":0.9,"publicationDate":"2023-07-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80915109","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Identifying Inflation Dynamics in India in the Post Reform Period 识别后改革时期印度的通货膨胀动态
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2023-06-01 DOI: 10.1177/22779787221097782
Haroon Rasool
{"title":"Identifying Inflation Dynamics in India in the Post Reform Period","authors":"Haroon Rasool","doi":"10.1177/22779787221097782","DOIUrl":"https://doi.org/10.1177/22779787221097782","url":null,"abstract":"The present study aims at examining the inflation dynamics in Indian context with a particular focus on its determinants from 1991–1992Q1 to 2017–2018Q4. The purpose of this study is to investigate the role of monetary, fiscal, structural and external variables in explaining inflationary tendencies in India in the post economic reform period. To identify the determinants fuelling the inflationary tendencies, the study employs ARDL bounds testing procedure followed by the VECM Granger causality test. The findings indicate that interest rate shock and output growth mitigates inflation while rupee depreciation, money supply generate inflationary pressures in the economy. Moreover, fiscal deficit has inflationary impact only in the short run. The positive link between inflation and openness refutes the applicability of Romer’s hypothesis in the Indian context. VECM based Granger causality indicates that money supply and interest rate causes both output and inflation, which suggests monetary policy in India has an important role to play in the process of economic growth and price stability. JEL Classification: E3, E4, F6, E620","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"12 1","pages":"53 - 82"},"PeriodicalIF":0.9,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48593341","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Reflections on Climate Finance in India and the Way Forward 对印度气候融资的思考及未来之路
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2023-03-03 DOI: 10.1177/22779787221147992
Vimal Pant, P. Pathak
{"title":"Reflections on Climate Finance in India and the Way Forward","authors":"Vimal Pant, P. Pathak","doi":"10.1177/22779787221147992","DOIUrl":"https://doi.org/10.1177/22779787221147992","url":null,"abstract":"Climate Change has acquired centre stage in all business and economic decisions globally after numerous studies have warned of its catastrophic impacts on humankind. The article is a commentary on the state of climate finance around the world and the key issues in India. It draws the latest data from credible sources to form the narrative. This analysis reflects on recent developments and trends in climate or green finance across the world as well as its impact on India. It aims at finding possible solutions to address the impediments in boosting the prospects of a vibrant green finance landscape. ESG finance has gained momentum around the world due to policy support, investor enthusiasm and innovative funding options as economic growth policies are being integrated with environmental sustainability. However, the pie is still small and a lot needs to be done to catapult it into mainstream business finance. The article also includes recommendations for rejuvenating the green finance landscape so that the market can reach its full potential for all stakeholders and help India fulfil its international commitments to reduce greenhouse gas emissions. JEL Classification: E44, E66, G1","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"12 1","pages":"111 - 128"},"PeriodicalIF":0.9,"publicationDate":"2023-03-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41408755","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The Effect of Household Debt on the Stability of the Banking System in Vietnam 家庭债务对越南银行体系稳定性的影响
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2022-12-29 DOI: 10.4038/sajf.v2i2.45
D. T. Thuong, P. Minh
{"title":"The Effect of Household Debt on the Stability of the Banking System in Vietnam","authors":"D. T. Thuong, P. Minh","doi":"10.4038/sajf.v2i2.45","DOIUrl":"https://doi.org/10.4038/sajf.v2i2.45","url":null,"abstract":"","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"11 1","pages":""},"PeriodicalIF":0.9,"publicationDate":"2022-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86487379","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The Dilemma of Information Overload: A Review of Literature from Accounting and Finance Related Studies 信息超载的困境:会计与金融相关研究文献综述
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2022-12-29 DOI: 10.4038/sajf.v2i2.43
A. Regina, M. Munasinghe
{"title":"The Dilemma of Information Overload: A Review of Literature from Accounting and Finance Related Studies","authors":"A. Regina, M. Munasinghe","doi":"10.4038/sajf.v2i2.43","DOIUrl":"https://doi.org/10.4038/sajf.v2i2.43","url":null,"abstract":"","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"25 1","pages":""},"PeriodicalIF":0.9,"publicationDate":"2022-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89772739","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Investment Behavior among Accounting / Finance Professionals in Sri Lanka 斯里兰卡会计/金融专业人士的投资行为
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2022-12-29 DOI: 10.4038/sajf.v2i2.47
L. Alles, A. Lokeshwara, D. L. N. Y. Liyanage, C. M. Edirisinghe, P. Siriwardhana
{"title":"Investment Behavior among Accounting / Finance Professionals in Sri Lanka","authors":"L. Alles, A. Lokeshwara, D. L. N. Y. Liyanage, C. M. Edirisinghe, P. Siriwardhana","doi":"10.4038/sajf.v2i2.47","DOIUrl":"https://doi.org/10.4038/sajf.v2i2.47","url":null,"abstract":"","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"4 1","pages":""},"PeriodicalIF":0.9,"publicationDate":"2022-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72583252","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Tax Implication on Recurrent Expenditure and Internally Generated Revenue: Analysis on Southwestern States, Nigeria 税收对经常支出和内部收入的影响:对尼日利亚西南部各州的分析
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2022-12-29 DOI: 10.4038/sajf.v2i2.49
T. Adegbite, S. Ishola
{"title":"Tax Implication on Recurrent Expenditure and Internally Generated Revenue: Analysis on Southwestern States, Nigeria","authors":"T. Adegbite, S. Ishola","doi":"10.4038/sajf.v2i2.49","DOIUrl":"https://doi.org/10.4038/sajf.v2i2.49","url":null,"abstract":"","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"2 1","pages":""},"PeriodicalIF":0.9,"publicationDate":"2022-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90575385","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Financial Literacy and Investment Decisions: Evidence from Pakistan 金融知识和投资决策:来自巴基斯坦的证据
IF 0.9
South Asian Journal of Macroeconomics and Public Finance Pub Date : 2022-12-29 DOI: 10.4038/sajf.v2i2.46
A. Hussain, P. Kijkasiwat, H. K. Ur Rehman, M. Z. Ullah
{"title":"Financial Literacy and Investment Decisions: Evidence from Pakistan","authors":"A. Hussain, P. Kijkasiwat, H. K. Ur Rehman, M. Z. Ullah","doi":"10.4038/sajf.v2i2.46","DOIUrl":"https://doi.org/10.4038/sajf.v2i2.46","url":null,"abstract":"","PeriodicalId":40308,"journal":{"name":"South Asian Journal of Macroeconomics and Public Finance","volume":"98 4 1","pages":""},"PeriodicalIF":0.9,"publicationDate":"2022-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88462755","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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