Journal of Corporate Finance Management and Banking System最新文献

Determining Spatial Distribution of the BSP Supervised Banks in the Philippines: A Multivariate Cluster Analysis 确定菲律宾中央银行监管银行的空间分布：多元聚类分析

Journal of Corporate Finance Management and Banking System Pub Date : 2024-04-08 DOI: 10.55529/jcfmbs.43.1.15

Vivian Sesgundo, Peter John Aranas

{"title":"Determining Spatial Distribution of the BSP Supervised Banks in the Philippines: A Multivariate Cluster Analysis","authors":"Vivian Sesgundo, Peter John Aranas","doi":"10.55529/jcfmbs.43.1.15","DOIUrl":"https://doi.org/10.55529/jcfmbs.43.1.15","url":null,"abstract":"The goal of this study was to determine the significant variables that contribute to the number of Bangko Sentral ng Pilipinas (BSP) Supervised banks in the Philippine regions. A model that can predict the number of banks needed in the region was also presented. Spatial distribution of the banks was also analyzed. These analyses determined if the current number of banks in the region is sufficient to provide the financial services needed by the people. The ArcGIS Pro was used to perform Ordinary Least Square Regression, Global Moran’s I and Multivariate Clustering Analyses to the Regional Distribution of BSP Supervised banks in the Philippines and the categorized economic, demographic, labor market and potential market variables from the Philippine Statistics Authority (PSA) in 2020. Results of this study show that the population density, economically active population, functional literacy rate, and families’ ownership of personal computer are the significant factors, which represent every category of the independent variable, that contributed to the number of banks in the region. Using the chosen passing model, the difference between the actual and estimated number of banks was used as the indicator by which regions need more physical banks to promote financial inclusion. Regions X, CAR, and BARMM are the best locations for the future physical bank to be established. Furthermore, the results from Global Moran’s I analysis showed that there is a clustering of high number of banks in the Philippines. There were 7 clusters formed for the number of banks based on population density, economically active population, functional literacy rate, and families’ ownership of personal computer. Among these explanatory variables, population density is the greatest contributor in forming the clusters.","PeriodicalId":484720,"journal":{"name":"Journal of Corporate Finance Management and Banking System","volume":"19 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140729851","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 Impacts of Ethical Sales Behaviour on Customer Loyalty in the Life Insurance Industry in Pakistan 道德销售行为对巴基斯坦人寿保险业客户忠诚度的影响

Journal of Corporate Finance Management and Banking System Pub Date : 2024-04-08 DOI: 10.55529/jcfmbs.43.50.61

Dildar Khan Jadoon, Awais Qasim, Dr. Asia Bibi

{"title":"The Impacts of Ethical Sales Behaviour on Customer Loyalty in the Life Insurance Industry in Pakistan","authors":"Dildar Khan Jadoon, Awais Qasim, Dr. Asia Bibi","doi":"10.55529/jcfmbs.43.50.61","DOIUrl":"https://doi.org/10.55529/jcfmbs.43.50.61","url":null,"abstract":"The life insurance industry in Pakistan is highly competitive, with customer loyalty playing a crucial role in long-term success. Ethical sales behaviour emerges as a key differentiator, potentially fostering trust and driving positive customer experiences. This research investigates the relationship among ethical sales behaviour, customer trust in company and trust in sales agent, which directly affect customer loyalty in the life insurance industry.\u0000\u0000The quantitative survey targets customers of five major life insurance companies, ensuring a representative sample across diverse demographics. The questionnaires were sent to all companies customer on a random basis. The questionnaires are distributed with the help of office employee of the companies.The finding of the study shows that there is a direct and positive relation between sales agent ethical sales behaviour and customer loyalty. Furthermore, the trust of the customer in the sales agent and trust of the customer in a company has direct positive mutual relation and customer trust both affect customer loyalty. By demonstrating the tangible benefits of ethical sales behaviour, the study can encourage companies to implement and prioritize ethical practices. The identified key drivers of customer loyalty can guide training programs and performance evaluations for insurance agents, ultimately fostering a culture of ethical conduct within the industry.","PeriodicalId":484720,"journal":{"name":"Journal of Corporate Finance Management and Banking System","volume":"38 13","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140728309","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

Bank Competition and Financial Stability in Nepal 尼泊尔的银行竞争与金融稳定

Journal of Corporate Finance Management and Banking System Pub Date : 2024-04-05 DOI: 10.55529/jcfmbs.43.38.49

Bandana Khanal

{"title":"Bank Competition and Financial Stability in Nepal","authors":"Bandana Khanal","doi":"10.55529/jcfmbs.43.38.49","DOIUrl":"https://doi.org/10.55529/jcfmbs.43.38.49","url":null,"abstract":"This paper examines the casual relationship between bank competition and financial stability in Nepal. The relationship between competition and financial stability in banking system can be explain by two hypothesis: The \"competition-fragility\" theory holds that increased bank competition weakens profit margins, undermines market power, and lowers franchise value—the continuing concern or market worth of the banks above their book values and “competition-stability” view contends that financial institution stability may benefit from competition. The study used descriptive and causal research design. The random effect panel data of 6 commercial banks of Nepal over the period of 2014-2019. All the data are obtained from NRB monthly statistic and bank annual report. The HHI and n-bank concertration ratio are used as a measure of bank competition while Z-Index and non-performing loan ratio are the proxies of financial stability. The findings confirm the\"Competition-frangility\" theory by showing a negative association between bank competition and financial stability in Nepal. It states that bank tends to take excessive risks when the competition level increases. It is discovered that competition in the banking industry raises credit risk and reduces capital levels. Riskier policies enhance the likelihood of increased bank bankruptcies and non-performing loan ratios, which adds to fragility and financial instability. Thus, less concentrated banking systems are prone to experiences crisis.","PeriodicalId":484720,"journal":{"name":"Journal of Corporate Finance Management and Banking System","volume":"27 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140739751","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

Investors’ Perception towards Mutual Fund 投资者对共同基金的看法

Journal of Corporate Finance Management and Banking System Pub Date : 2024-04-05 DOI: 10.55529/jcfmbs.43.27.37

Sushmita Malla

引用次数: 0

Impact of Soundbox by Third Party Application Providers (UPI) on Retailers, with Special Reference to Greater Chennai Corporation 第三方应用程序提供商（UPI）的声音邮箱对零售商的影响，特别是对大钦奈公司的影响

Journal of Corporate Finance Management and Banking System Pub Date : 2024-04-01 DOI: 10.55529/jcfmbs.43.16.26

Denny Jones B, Dr. M. Muruganandam

引用次数: 0

Investor’s Intention to Adopt Online Stock Trading in Nepal 尼泊尔投资者采用网上股票交易的意向

Journal of Corporate Finance Management and Banking System Pub Date : 2024-02-06 DOI: 10.55529/jcfmbs.42.47.57

Srijana Gyawali

引用次数: 0

Investor’s Intention to Adopt Online Stock Trading in Nepal 尼泊尔投资者采用网上股票交易的意向

Journal of Corporate Finance Management and Banking System Pub Date : 2024-02-06 DOI: 10.55529/jcfmbs.42.47.57

Srijana Gyawali

引用次数: 0

Analysis of Asset Management Ratio and Solvency Management Ratio 资产管理比率和偿付能力管理比率分析

Journal of Corporate Finance Management and Banking System Pub Date : 2024-02-01 DOI: 10.55529/jcfmbs.42.35.46

Saut Maruli Tua Pandiangan, Hotbona Novandi Tambunan, Josua Alexander Gultom, T. Hutahaean

{"title":"Analysis of Asset Management Ratio and Solvency Management Ratio","authors":"Saut Maruli Tua Pandiangan, Hotbona Novandi Tambunan, Josua Alexander Gultom, T. Hutahaean","doi":"10.55529/jcfmbs.42.35.46","DOIUrl":"https://doi.org/10.55529/jcfmbs.42.35.46","url":null,"abstract":"Profit is total income after deducting company costs or what can be called net profit. Profits generated by a company can be a benchmark for a company's success. To gain large profits, a company must be able to manage assets effectively and efficiently, because this can show that the company has good financial performance. One of the ratios that investors most often consider is the total assets turnover ratio. However, often a high asset management ratio does not indicate the company's effectiveness in managing high assets, but because inventory levels are low. A company is said to be insolvent when its debt position is greater than the total assets owned by the company. To find out whether it is solvable or not, it can be calculated using the debt to equity ratio. PT FKS Food Sejahtera Tbk (IDX: AISA) is a food producing company headquartered in Jakarta, Indonesia. This company was founded in 1990, with the main products being various types of ready-made food. The purpose of this research is to analyze asset management ratio and solvency management ratio PT FKS Food Sejahtera Tbk. The type of research in this research uses qualitative descriptive research. The subject of this research is PT FKS Food Sejahtera Tbk whose financial report data is from 2015 to 2021. The object of this research is asset management ratio and solvency management at PT FKS Food Sejahtera Tbk. The analysis method in this research uses a time series analysis approach. The results of this research show that the average fixed asset turnover of PT FKS Food Sejahtera Tbk is 1.15 times. The average total asset turnover of PT FKS Food Sejahtera Tbk is 0.7 times. The average debt ratio at PT FKS Food Sejahtera Tbk from 2015 to 2017 has a value of 1.38 which becomes unsafe in 2017, 2018, and 2019. The multiple that received the highest profit was in 2019 with a multiple of 12.15.","PeriodicalId":484720,"journal":{"name":"Journal of Corporate Finance Management and Banking System","volume":"154 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139824648","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

Behavioral Biases Influencing Individual InvestorsDecision Making in Bearish Trend at Nepse 影响个人投资者的行为偏差Nepse看跌趋势中的决策制定

Journal of Corporate Finance Management and Banking System Pub Date : 2024-02-01 DOI: 10.55529/jcfmbs.42.11.24

Pandey Anshu

{"title":"Behavioral Biases Influencing Individual Investors\u0000Decision Making in Bearish Trend at Nepse","authors":"Pandey Anshu","doi":"10.55529/jcfmbs.42.11.24","DOIUrl":"https://doi.org/10.55529/jcfmbs.42.11.24","url":null,"abstract":"The discipline of financial economics has seen a paradigm shift over the past 25 years, moving from traditional finance to a new area of the study known as behavioral finance. Due to a multitude of behavioral biases and emotional attachments, professional investors make bad financial decisions that hinder their investing performance. Due to the increase in individual investors over the past several years, which is predicted to continue in the years to come, the problem of behavioral biases may become more and more important. Overconfidence bias, representativeness bias, disposition bias, loss aversion bias, herding bias and market factors are the independent variables, whereas investment decision making is the dependent variable. Questionnaires were used to collect primary data. 200investors were sampled using the convenience sampling technique, and data obtained was subjected to regression analysis. The SPSS was used to analyze data collected in order to generate descriptive statistics for the study. The extent to which the dependent variables could be explained by the independent variable was described using regression analysis. The study thus suggests that individual investors be educated how to avoid poor investment outcomes caused on by behavioral biases. Furthermore, individual investors should seek the advice of stock brokers/fund managers to guide them accordingly in terms of performance of a specific security in which an investor would wish to invest in.","PeriodicalId":484720,"journal":{"name":"Journal of Corporate Finance Management and Banking System","volume":"263 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139828831","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

Analysis of Asset Management Ratio and Solvency Management Ratio 资产管理比率和偿付能力管理比率分析

Journal of Corporate Finance Management and Banking System Pub Date : 2024-02-01 DOI: 10.55529/jcfmbs.42.35.46

Saut Maruli Tua Pandiangan, Hotbona Novandi Tambunan, Josua Alexander Gultom, T. Hutahaean

{"title":"Analysis of Asset Management Ratio and Solvency Management Ratio","authors":"Saut Maruli Tua Pandiangan, Hotbona Novandi Tambunan, Josua Alexander Gultom, T. Hutahaean","doi":"10.55529/jcfmbs.42.35.46","DOIUrl":"https://doi.org/10.55529/jcfmbs.42.35.46","url":null,"abstract":"Profit is total income after deducting company costs or what can be called net profit. Profits generated by a company can be a benchmark for a company's success. To gain large profits, a company must be able to manage assets effectively and efficiently, because this can show that the company has good financial performance. One of the ratios that investors most often consider is the total assets turnover ratio. However, often a high asset management ratio does not indicate the company's effectiveness in managing high assets, but because inventory levels are low. A company is said to be insolvent when its debt position is greater than the total assets owned by the company. To find out whether it is solvable or not, it can be calculated using the debt to equity ratio. PT FKS Food Sejahtera Tbk (IDX: AISA) is a food producing company headquartered in Jakarta, Indonesia. This company was founded in 1990, with the main products being various types of ready-made food. The purpose of this research is to analyze asset management ratio and solvency management ratio PT FKS Food Sejahtera Tbk. The type of research in this research uses qualitative descriptive research. The subject of this research is PT FKS Food Sejahtera Tbk whose financial report data is from 2015 to 2021. The object of this research is asset management ratio and solvency management at PT FKS Food Sejahtera Tbk. The analysis method in this research uses a time series analysis approach. The results of this research show that the average fixed asset turnover of PT FKS Food Sejahtera Tbk is 1.15 times. The average total asset turnover of PT FKS Food Sejahtera Tbk is 0.7 times. The average debt ratio at PT FKS Food Sejahtera Tbk from 2015 to 2017 has a value of 1.38 which becomes unsafe in 2017, 2018, and 2019. The multiple that received the highest profit was in 2019 with a multiple of 12.15.","PeriodicalId":484720,"journal":{"name":"Journal of Corporate Finance Management and Banking System","volume":"137 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139884548","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