Current Issue : October - December Volume : 2014 Issue Number : 4 Articles : 5 Articles
This research empirically studies the factors that influence the intention of SME owners and managers to adopt m-banking in rural Bangladesh. The study specifically focuses on business oriented m-banking, such as paying suppliers or receiving payments from customers, and on person-to-person use of m-banking. Although over the last ten years a wide spectrum of m-banking frameworks has emerged in various countries, very few research have focused on SMEs m-banking adoption and acceptance of the service. Another rationale for undertaking such a study is that m-banking has not yet been extended to rural Bangladesh. To fill the gap this research surveyed 550 SMEs owners/managers in four (4) rural villages. The survey indicates that poor banking facilities, cost, credibility, gender, education and SME business type are the main factors that significantly influence the intention to adopt m-banking. The analysis focuses on the three factors that have been largely overlooked in prior literature, that are banking satisfaction, m-banking advantages for SMEs, and SME business type. The study broadens our understanding of m-banking and provides insights into developing m-banking strategies in Bangladesh. This research will be of potential value in accelerating the development of m-banking in Bangladesh....
Data envelopment analysis (DEA) has been applied in many studies in the banking industry but deficiency of empirical studies in Iranian banking sector that incorporate time factor into the efficiency, have still remained. Previous studies measured the efficiency of bank branches in a single period within cross-sectional data. They did not considered effect of interconnecting activities (links) between two consecutive terms. The main contribution of this paper is to evaluate the efficiency of an Iranian bank using dynamic SBM model in DEA during three consecutive terms considering net profit as a good link and loan losses as a bad link. In order to realize most important variables (inputs-outputs), relative to our case, we made a checklist and distributed them among headmen of branches and arranged an interview with the CEO of bank. Dynamic SBM efficiency is compared with its static efficiency to check the validity of described model. In addition, input-bad link excesses and output-good link shortfalls (slacks) are analyzed and further suggestions to the management are provided....
One of the most important subjects of DEA area is efficiency analysis and classification of firms. It is\nimportant that stock holders know all information about stocks. Efficiency of stock market plays a\nsignificant role in transfer of invests The most important goal of the present paper is to evaluate the\nefficiency of automotive and parts manufacturing branch in Tehran Stock Exchange (TSE), to select a\ngroup of desirable securities from a list of 31. We applied data envelopment analysis for ranking and\nevaluating the units. First, the efficiency of units presented in three different types: technical, management\nand scale efficiency, and inefficient units were identified. So, peer groups, their weights and grade of units\nintroduced. Finally, optimal amounts of inputs calculated for some of inefficient units. The Results show\nthat the units (7, 8, 14, 18, 19, 20, 21, 23, 24, 25 and 29) are known as superior units. Unit 7 obtained the\nfirst rank of 29 units because this DMU get the efficient rank in three types and was introduced 5 as the\npeer unit for the others so called the stronger unit. 19 of the firms are classified in efficient scale.The units\n3,10, 11, 13, 16 & 17 have surplus inputs, it means that these units have used more inputs rather than the\nother units which are in the same level and suggested reduce the surplus amount for achieving the same\nefficiency....
Small and Medium Scale Enterprises (SMEs) play significant role in\nsustainable economic growth and development, especially in developing\neconomies. In Nigeria, SMEs are facing financing problems which hinder\ntheir survival as a result they could not play the expected roles in the\neconomy. The objective of this paper is to explore the use of Islamic\nFinancing in solving SMEs financing problems. The study is exploratory;\nhence various literatures were sourced, reviewed and discussed. It was found\nthat the conventional sources of financing SMEs are grossly inaccessible,\ncostly and not feasible. As a new source of financing in the country, Islamic\nfinancing is feasible, though inadequate but relatively accessible and\ncostless. One of the recommendations is that financial institutions should be\nadopting Islamic mode of finaning when financing SMEs in the country as it\nwill go a long way in solving SMEs financing problems....
In the most common utilization of Data Envelopment Analysis (DEA), the existing models used to in\norder to obtain efficiency score. However, trough real cases, efficiency are a factor of different share\nresources in Decision Making Units (DMUs). Indeed, in classical models, a DMU had its own inputs\nand outputs and could only be effective in its own efficiency, but in the model, which introduced\nhere, some of the inputs are used for some of the components in common and the whole component\nmakes outputs. In this article, the efficiency of four insurance companies in six periods is examined\nand indices in question include debt ratio, flow of capital resources ratio, profit margin, capital output\nof insurance companies, and the components of capital structure, profitability, and growth are known\nas those using the specific and common indices. In this article, in order to calculate efficiency of a\ndecision making unit we have used four components and determined the specific efficiency of each\nsingle component individually. In this procedure, the efficiency of each component is calculated\nwithout the effect of those indices, which are not used. Moreover, the aggregate efficiency of all\ncomponents will be recognizing. With this method, we will find inefficient components in an efficient\nDMU and we can determine exactly which of the inefficient components make the DMU inefficient.\nFinally, the relative efficiency of units will be calculating in financial component....
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