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Refine your searchBank specific and macroeconomic determinants of loan loss provisions: a case of Nepalese commercial banks / Sudeep Nepal
Title : Bank specific and macroeconomic determinants of loan loss provisions: a case of Nepalese commercial banks Material Type: printed text Authors: Sudeep Nepal, Author Publication Date: 2017 Pagination: 101p Size: GRP/Thesis Accompanying material: 6/B Languages : English Descriptors: Macroeconomics Class number: 332.632 Abstract: In today’s fast-moving business environment, banks are exposed to a large number of risks: credit risk, liquidity risk, market risk, operational risk, interest rate exchange risk, etc. Due to such exposure to various risks, efficient risk management is required. Managing risk is one of the basic tasks to be done, once it has been identified and known. Shafiq & Nasr (2010) argued that managing a risk in advance is far better than waiting for its occurrence. The focus of good risk management is the identification and treatment of risks. Its objective is to add maximum sustainable value to all the activities of the organization.
The loan loss provision increase with the riskiness that bank makes on the loan. A bank making a small number of risky loans will have a low loan loss provision compared to a bank taking higher risks. The high quality loan requires low loan loss provision, whereas bad loan requires high loan loss provision. A loan loss provision is considered as an adjustment of the bank value of a loan which regards future changes in the loan’s value due to default events (Hlawatch & Ostrowski, 2010).
Managerial discretion in the use of loan loss provision (LLP) has attracted considerable attention from both regulators and academics for a long time. Earlier studies focused on the use of LLP for capital management (Ahmed et al., 1999). More recently, the study focuses on the timeliness of LLP over the business cycle and the associated effects on banks' lending behavior and financial stability (Laeven & Majnoni, 2003; Bikker & Metzemakers, 2005 and Beatty & Liao, 2011). If banks account for the fact that the latent credit risk in their loan portfolios rises during upswings when competition between banks increases and monitoring efforts decrease, they should increase their provisioning level during upswings and lower it during downturns as losses occur, thus build and release provisions in a countercyclical fashion.
The major purpose of this study is to analyze the impact of bank specific and macroeconomic factors on loan loss provisions in Nepalese commercial banks. The specific objectives of this study are: a) To analyze the structure and pattern of dependent (LLP1 and LLP2) and independent variables (capital adequacy ratio, loan growth, bank size and non-performing loan), b) To examine the relationship between macroeconomic variable like GDP growth rate, inflation rate and interest rate with loan loss provision, c)To identify the effect of capital adequacy ratio, loan growth and bank size on loan loss provision, d) To examine the relationship between non-performing loan and loan loss provision of the bank.
The study is based on the secondary data which were gathered for a sample of 18 commercial banks of Nepal within the time period from 2008 to 2015, leading to the total of 144 observations. This study employs descriptive and causal comparative research design to deal with bank specific and macroeconomic determinants of loan loss provision of Nepalese commercial banks. More specifically, the study examines the effect of capital adequacy ratio, loan growth, bank size, non-performing loan, GDP growth rate, inflation rate and interest rate on loan loss provision. The main sources of data are various issues of banking and financial statistics, World Bank, bank supervision reports of NRB and various annual reports of selected commercial banks.
The average loan loss provision to total loan is highest for NBB (9.88 percent) and lowest for SCBL (1.34 percent).CZBL has the highest average loan loss provision to non-performing loan of 7.29 times and HBL has lowest of 1.25 times.The average capital adequacy ratio is highest for SCBL (15.18 percent) and lowest for SBL (10.76 percent).The analysis of loan growth indicates that average loan growth is highest for GBIME (38.33 percent) and lowest for SCBL (11.73 percent).The average bank size is highest for NABIL (83695.83 million) and lowest for NCC (22907.86 million).NBB has the highest average non-performing loan of 6.39 percent and EBL has lowest of 0.51 percent.
The descriptive statistics for the variables are used in this study. Clearly, The average loan loss provisions to total loan and loan loss provision to non-performing loan for 18 sample banks is 2.62 percent and 2.85 times respectively. Similarly, average capital adequacy ratio is 12.31 percent; loan growth is 23.71 percent. Similarly, the mean proportion of bank size is 45266.58 million, non-performing loan is 1.73 percent, GDP growth rate is 3.86 percent and inflation rate is 9.53 percent. Furthermore, the average interest rate is of 3.25 percent.
From the analysis, non-performing loan, inflation rate and interest rate are positively correlated with loan loss provision to total loan. This study reveals that capital adequacy ratio, loan growth, bank size and GDP growth rate are negatively correlated with loan loss provision to total loan. It indicates that higher the capital adequacy ratio, loan growth,Bank specific and macroeconomic determinants of loan loss provisions: a case of Nepalese commercial banks [printed text] / Sudeep Nepal, Author . - 2017 . - 101p ; GRP/Thesis + 6/B.
Languages : English
Descriptors: Macroeconomics Class number: 332.632 Abstract: In today’s fast-moving business environment, banks are exposed to a large number of risks: credit risk, liquidity risk, market risk, operational risk, interest rate exchange risk, etc. Due to such exposure to various risks, efficient risk management is required. Managing risk is one of the basic tasks to be done, once it has been identified and known. Shafiq & Nasr (2010) argued that managing a risk in advance is far better than waiting for its occurrence. The focus of good risk management is the identification and treatment of risks. Its objective is to add maximum sustainable value to all the activities of the organization.
The loan loss provision increase with the riskiness that bank makes on the loan. A bank making a small number of risky loans will have a low loan loss provision compared to a bank taking higher risks. The high quality loan requires low loan loss provision, whereas bad loan requires high loan loss provision. A loan loss provision is considered as an adjustment of the bank value of a loan which regards future changes in the loan’s value due to default events (Hlawatch & Ostrowski, 2010).
Managerial discretion in the use of loan loss provision (LLP) has attracted considerable attention from both regulators and academics for a long time. Earlier studies focused on the use of LLP for capital management (Ahmed et al., 1999). More recently, the study focuses on the timeliness of LLP over the business cycle and the associated effects on banks' lending behavior and financial stability (Laeven & Majnoni, 2003; Bikker & Metzemakers, 2005 and Beatty & Liao, 2011). If banks account for the fact that the latent credit risk in their loan portfolios rises during upswings when competition between banks increases and monitoring efforts decrease, they should increase their provisioning level during upswings and lower it during downturns as losses occur, thus build and release provisions in a countercyclical fashion.
The major purpose of this study is to analyze the impact of bank specific and macroeconomic factors on loan loss provisions in Nepalese commercial banks. The specific objectives of this study are: a) To analyze the structure and pattern of dependent (LLP1 and LLP2) and independent variables (capital adequacy ratio, loan growth, bank size and non-performing loan), b) To examine the relationship between macroeconomic variable like GDP growth rate, inflation rate and interest rate with loan loss provision, c)To identify the effect of capital adequacy ratio, loan growth and bank size on loan loss provision, d) To examine the relationship between non-performing loan and loan loss provision of the bank.
The study is based on the secondary data which were gathered for a sample of 18 commercial banks of Nepal within the time period from 2008 to 2015, leading to the total of 144 observations. This study employs descriptive and causal comparative research design to deal with bank specific and macroeconomic determinants of loan loss provision of Nepalese commercial banks. More specifically, the study examines the effect of capital adequacy ratio, loan growth, bank size, non-performing loan, GDP growth rate, inflation rate and interest rate on loan loss provision. The main sources of data are various issues of banking and financial statistics, World Bank, bank supervision reports of NRB and various annual reports of selected commercial banks.
The average loan loss provision to total loan is highest for NBB (9.88 percent) and lowest for SCBL (1.34 percent).CZBL has the highest average loan loss provision to non-performing loan of 7.29 times and HBL has lowest of 1.25 times.The average capital adequacy ratio is highest for SCBL (15.18 percent) and lowest for SBL (10.76 percent).The analysis of loan growth indicates that average loan growth is highest for GBIME (38.33 percent) and lowest for SCBL (11.73 percent).The average bank size is highest for NABIL (83695.83 million) and lowest for NCC (22907.86 million).NBB has the highest average non-performing loan of 6.39 percent and EBL has lowest of 0.51 percent.
The descriptive statistics for the variables are used in this study. Clearly, The average loan loss provisions to total loan and loan loss provision to non-performing loan for 18 sample banks is 2.62 percent and 2.85 times respectively. Similarly, average capital adequacy ratio is 12.31 percent; loan growth is 23.71 percent. Similarly, the mean proportion of bank size is 45266.58 million, non-performing loan is 1.73 percent, GDP growth rate is 3.86 percent and inflation rate is 9.53 percent. Furthermore, the average interest rate is of 3.25 percent.
From the analysis, non-performing loan, inflation rate and interest rate are positively correlated with loan loss provision to total loan. This study reveals that capital adequacy ratio, loan growth, bank size and GDP growth rate are negatively correlated with loan loss provision to total loan. It indicates that higher the capital adequacy ratio, loan growth,Hold
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Barcode Call number Media type Location Section Status + 332.632 NEP Maps and Plans BBA_BI Junction Philosophy & Psychology Not for loan 343/D NEP Thesis/Dissertation Uniglobe Library Social Sciences Available
Title : Basics of management accounting Material Type: printed text Authors: Bajracharya, Pushakar, Author ; Khagendra Ojha, Author Publisher: Ashmita books Publication Date: 2015 Pagination: 488p. Size: Books ISBN (or other code): 978-9937-615-72-3 Price: Rs. 595 Languages : English Class number: 657 Basics of management accounting [printed text] / Bajracharya, Pushakar, Author ; Khagendra Ojha, Author . - Kathmandu : Ashmita books, 2015 . - 488p. ; Books.
ISBN : 978-9937-615-72-3 : Rs. 595
Languages : English
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Barcode Call number Media type Location Section Status 9789937300940 657 BAJ Maps and Plans BBA_BI Junction Philosophy & Psychology Not for loan 77BBA8 77BBA8657 BAJ Maps and Plans BBA_BI Junction Philosophy & Psychology Not for loan 5485 657 BAJ Books Uniglobe Library Technology Available 5484 657 BAJ Books Uniglobe Library Technology Available 7780 657 BAJ Books Uniglobe Library Technology Due for return by 04/16/2019 7781 657 BAJ Books Uniglobe Library Technology Available 5565 657 BAJ Books Uniglobe Library Technology Due for return by 08/28/2024 5486 657 BAJ Books Uniglobe Library Technology Available 5487 657 BAJ Books Uniglobe Library Technology Available 5488 657 BAJ Books Uniglobe Library Technology Available 5564 657 BAJ Books Uniglobe Library Technology Available 10526 657 BAJ Books Uniglobe Library Technology Available 8929 657 BAJ Books Uniglobe Library Technology Available
Title : Business communication Material Type: printed text Authors: Raymond V. Lesikar, Author Edition statement: 11th ed Publisher: New Delhi: Tata Mc-Graw Hill Publication Date: 2009 Pagination: 737p Size: Books Price: Rs.1040 Languages : English Descriptors: Business communication
Business writing
Communication in organizationsKeywords: 'business communication business writing communication in organizations Class number: 658.45 Business communication [printed text] / Raymond V. Lesikar, Author . - 11th ed . - [S.l.] : New Delhi: Tata Mc-Graw Hill, 2009 . - 737p ; Books.
Rs.1040
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Descriptors: Business communication
Business writing
Communication in organizationsKeywords: 'business communication business writing communication in organizations Class number: 658.45 Hold
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Barcode Call number Media type Location Section Status xx 658.45 LES Maps and Plans BBA_BI Junction Philosophy & Psychology Not for loan 4699 658.45 LES Books Uniglobe Library Technology Due for return by 01/15/2025 4700 658.45 LES Books Uniglobe Library Technology Available 4701 658.45 LES Books Uniglobe Library Technology Available 4702 658.45 LES Books Uniglobe Library Technology Available 4703 658.45 LES Books Uniglobe Library Technology Available 4704 658.45 LES Books Uniglobe Library Technology Due for return by 03/31/2022 4705 658.45 LES Books Uniglobe Library Technology Available 4706 658.45 LES Books Uniglobe Library Technology Available 4707 658.45 LES Books Uniglobe Library Technology Available 4708 658.45 LES Books Uniglobe Library Technology Available 4709 658.45 LES Books Uniglobe Library Technology Available 4710 658.45 LES Books Uniglobe Library Technology Available 4711 658.45 LES Books Uniglobe Library Technology Available 4712 658.45 LES Books Uniglobe Library Technology Available 4713 658.45 LES Books Uniglobe Library Technology Due for return by 10/06/2024 4714 658.45 LES Books Uniglobe Library Technology Available 4715 658.45 LES Books Uniglobe Library Technology Available 4716 658.45 LES Books Uniglobe Library Technology Available 4717 658.45 LES Books Uniglobe Library Technology Available 4718 658.45 LES Books Uniglobe Library Technology Available
Title : Consumer's perceptions of e-service quality on online shopping in Kathmandu valley Material Type: printed text Authors: Bishal Bhatta, Author Publication Date: 2018 Pagination: 119p. Size: GRP/Thesis Accompanying material: 13/B Languages : English Abstract: The advent of the Internet and e-commerce has brought a new way of marketing and selling many products. There are evidences indicating that the e-service quality is an essential strategy to a success, probably more important than a low price and a good web presence. In the era of globalization electronic marketing is a great revolution. Over the last decade maximum business organization are running with technological change. Online shopping or marketing is the use of technology (i.e. computer) for better marketing performance. And retailers are devising strategies to meet the demand of online shoppers; they are busy in studying consumer behavior in the field of online shopping, to see the consumer perceptions towards online shopping.
In the context of Nepal, the online purchasing behavior is increases day to day. Because this is time of advance technology which has tremendous affect on the business, education and sciences. Consumer behavior is influenced by many factors. If E-commerce know the factors affecting online consumer behavior, and the relationships between these factors and the type of online buyers, then can further develop their marketing strategies to convert potential customers into active ones, while retaining existing online customers.
This project is a part of study, and focuses on factors which online consumers keep in mind hole shopping online. This study found that website design, reliability, responsiveness, trust and personalization are the five dominant factors which influence consumer perceptions of online shopping. Consumer behavior is said to be an applied discipline as some decisions are significantly affected their behavior or expected actions. The two perspectives that seek application of its knowledge are micro and societal perspectives. The online purchasing behavior of online shoppers and factor influencing online shopping behavior and its future perspective, internet is changing the way consumers shop and buy goods and services, and has rapidly evolved into a global phenomenon. Many companies have started using internet with the aim of cutting marketing costs, thereby reducing the price of their products and services in order to stay ahead in highly competitive markets.
Consumer purchase intention and satisfaction is selected as dependent variable and website design, reliability, responsiveness, trust and personalization the independent variables. The major objective of the study is to examine the factors influencing consumer purchase intention and satisfaction on online shopping Kathmandu Valley. The specific objectives of the study are to analyze the impact website design, reliability, responsiveness, trust and personalization services on customer purchase intention and satisfaction on online business in Kathmandu Valley.
The respondents of the study are online buyers in Kathmandu valley. The opinions of 400 respondents were analyzed in order to know the perception of customer regarding factor influencing consumer purchase intention and satisfaction on online shopping in Kathmandu Valley. The weighted mean of the each variable used to examine the impact of factor influencing consumer purchase intention and satisfaction on online shopping. For the fact finding of the study primary data was analyzed by using percentage frequency distribution and methods such as descriptive analysis, correlation analysis, independent sample t-test analysis, Kruskal Wallis test analysis and regression analysis.
The result shows that website design, reliability, responsiveness, trust and personalization has positive relation with consumer purchase intention and satisfaction on online shopping in Kathmandu Valley. It indicates that higher the website design, reliability, responsiveness, trust and personalization, higher would be consumer purchase intention and satisfaction on online business in Kathmandu Valley.
The study shows that there are significant differences among male and female respondents on trust and personalization. The result shows that female respondents are more sensitive towards trust on online sites than male respondents. Similarly, the study shows that incomes level, occupation, and age have an effect on respondent’s view on website design, reliability, responsiveness, trust and personalization services on online business.
The study also indicated that the beta coefficients for website design, reliability, responsiveness, trust and personalization are positive with consumer purchase intention as well as satisfaction. It reveals that higher the website design, reliability, responsiveness, trust and personalization, higher would be the consumer purchase intention and satisfaction on online business. However, beta coefficient is significant for website design at 1 percent level of significance. The study also reveals that there is no difference in perception of website design, reliability, responsiveness, trust and personalization, and consumer purchase intention on the basis of gender. The study shows that website design, reliability, responsiveness, trust and personalization, these five factors are the major factor affecting consumer purchase intention on online shopping in Kathmandu Valley.
Recommendations are given on the basis of the findings of the study. The major conclusions of the study are that all the independent variables of online shopping have positive relation with consumer purchase intention and satisfaction. If the company has good website design, reliability, responsiveness, trust and personalization then it will tends to increase consumer purchase intention and satisfaction on online shopping on online business in Kathmandu Valley. The more the company focuses on the web quality and trust it leads to increase the consumer purchase intention as well as the satisfaction on online shopping in Kathmandu valley
Consumer's perceptions of e-service quality on online shopping in Kathmandu valley [printed text] / Bishal Bhatta, Author . - 2018 . - 119p. ; GRP/Thesis + 13/B.
Languages : English
Abstract: The advent of the Internet and e-commerce has brought a new way of marketing and selling many products. There are evidences indicating that the e-service quality is an essential strategy to a success, probably more important than a low price and a good web presence. In the era of globalization electronic marketing is a great revolution. Over the last decade maximum business organization are running with technological change. Online shopping or marketing is the use of technology (i.e. computer) for better marketing performance. And retailers are devising strategies to meet the demand of online shoppers; they are busy in studying consumer behavior in the field of online shopping, to see the consumer perceptions towards online shopping.
In the context of Nepal, the online purchasing behavior is increases day to day. Because this is time of advance technology which has tremendous affect on the business, education and sciences. Consumer behavior is influenced by many factors. If E-commerce know the factors affecting online consumer behavior, and the relationships between these factors and the type of online buyers, then can further develop their marketing strategies to convert potential customers into active ones, while retaining existing online customers.
This project is a part of study, and focuses on factors which online consumers keep in mind hole shopping online. This study found that website design, reliability, responsiveness, trust and personalization are the five dominant factors which influence consumer perceptions of online shopping. Consumer behavior is said to be an applied discipline as some decisions are significantly affected their behavior or expected actions. The two perspectives that seek application of its knowledge are micro and societal perspectives. The online purchasing behavior of online shoppers and factor influencing online shopping behavior and its future perspective, internet is changing the way consumers shop and buy goods and services, and has rapidly evolved into a global phenomenon. Many companies have started using internet with the aim of cutting marketing costs, thereby reducing the price of their products and services in order to stay ahead in highly competitive markets.
Consumer purchase intention and satisfaction is selected as dependent variable and website design, reliability, responsiveness, trust and personalization the independent variables. The major objective of the study is to examine the factors influencing consumer purchase intention and satisfaction on online shopping Kathmandu Valley. The specific objectives of the study are to analyze the impact website design, reliability, responsiveness, trust and personalization services on customer purchase intention and satisfaction on online business in Kathmandu Valley.
The respondents of the study are online buyers in Kathmandu valley. The opinions of 400 respondents were analyzed in order to know the perception of customer regarding factor influencing consumer purchase intention and satisfaction on online shopping in Kathmandu Valley. The weighted mean of the each variable used to examine the impact of factor influencing consumer purchase intention and satisfaction on online shopping. For the fact finding of the study primary data was analyzed by using percentage frequency distribution and methods such as descriptive analysis, correlation analysis, independent sample t-test analysis, Kruskal Wallis test analysis and regression analysis.
The result shows that website design, reliability, responsiveness, trust and personalization has positive relation with consumer purchase intention and satisfaction on online shopping in Kathmandu Valley. It indicates that higher the website design, reliability, responsiveness, trust and personalization, higher would be consumer purchase intention and satisfaction on online business in Kathmandu Valley.
The study shows that there are significant differences among male and female respondents on trust and personalization. The result shows that female respondents are more sensitive towards trust on online sites than male respondents. Similarly, the study shows that incomes level, occupation, and age have an effect on respondent’s view on website design, reliability, responsiveness, trust and personalization services on online business.
The study also indicated that the beta coefficients for website design, reliability, responsiveness, trust and personalization are positive with consumer purchase intention as well as satisfaction. It reveals that higher the website design, reliability, responsiveness, trust and personalization, higher would be the consumer purchase intention and satisfaction on online business. However, beta coefficient is significant for website design at 1 percent level of significance. The study also reveals that there is no difference in perception of website design, reliability, responsiveness, trust and personalization, and consumer purchase intention on the basis of gender. The study shows that website design, reliability, responsiveness, trust and personalization, these five factors are the major factor affecting consumer purchase intention on online shopping in Kathmandu Valley.
Recommendations are given on the basis of the findings of the study. The major conclusions of the study are that all the independent variables of online shopping have positive relation with consumer purchase intention and satisfaction. If the company has good website design, reliability, responsiveness, trust and personalization then it will tends to increase consumer purchase intention and satisfaction on online shopping on online business in Kathmandu Valley. The more the company focuses on the web quality and trust it leads to increase the consumer purchase intention as well as the satisfaction on online shopping in Kathmandu valley
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Barcode Call number Media type Location Section Status 530/D BHA Thesis/Dissertation BBA_BI Junction Philosophy & Psychology Available
Title : Human resource management Material Type: printed text Authors: David A. Decenzo, Author ; Robbins, Stephen P, Author ; VERHULST, SUSAN L., Author Edition statement: 11th ed. Publication Date: 2015 Pagination: 424p. Size: Books Languages : English Descriptors: Industrial management Class number: 658.303 Human resource management [printed text] / David A. Decenzo, Author ; Robbins, Stephen P, Author ; VERHULST, SUSAN L., Author . - 11th ed. . - 2015 . - 424p. ; Books.
Languages : English
Descriptors: Industrial management Class number: 658.303 Hold
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Barcode Call number Media type Location Section Status . .658.303 DEC Maps and Plans BBA_BI Junction Philosophy & Psychology Not for loan 5327 658.303 DEC Books Uniglobe Library Technology Available 5322 658.303 DEC Books Uniglobe Library Technology Available 5330 658.303 DEC Books Uniglobe Library Technology Available 5326 658.303 DEC Books Uniglobe Library Technology Due for return by 03/17/2022 5328 658.303 DEC Books Uniglobe Library Technology Available 5329 658.303 DEC Books Uniglobe Library Technology Available 5331 658.303 DEC Books Uniglobe Library Technology Available 5321 658.303 DEC Books Uniglobe Library Technology Due for return by 08/15/2024 5333 658.303 DEC Books Uniglobe Library Technology Due for return by 01/02/2025 5332 658.303 DEC Books Uniglobe Library Technology Available 5324 658.303 DEC Books Uniglobe Library Technology Available 5319 658.303 DEC Books Uniglobe Library Technology Due for return by 02/03/2022 5320 658.303 DEC Books Uniglobe Library Technology Due for return by 12/28/2022 5323 658.303 DEC Books Uniglobe Library Technology Available 5325 658.303 DEC Books Uniglobe Library Technology Available
Title : Internet banking and customer satisfaction in Nepalese commercial banks Material Type: printed text Authors: Usha Sharma, Author Publication Date: 2017 Pagination: 92p. Size: GRP/Thesis Accompanying material: 10/B Languages : English Descriptors: Customer satisfaction
Internet bankingClass number: 332.102 Abstract: Banks are one of the most important institutions for the development of the financial sector, economy and the country as a whole. Internet banking is defined as an internet portal, through which customers can use different kinds of banking services ranging from bill payment to making investments. Banking can be done literally from anywhere if one has a computer and net connectivity. Internet banking helps consumers in conducting fast and convenient financial transaction activities. Banks have used electronic channels to do banking operations with both domestic and international customers. Currently, banks are mostly using electronic channels to receive instructions and deliver their products and services to their customers. The increased availability of electronic banking modes in the banking industry has changed the way banks service their customers and improved customer satisfaction. There are varieties of different channels that provide easy mode to the customers as well as in decision making of their funds while sitting at home as it is just a click away (Saxena and Agrawal, 2016). Internet banking has significantly influenced on people’s life. Quality of service is important in the banking sector. Therefore, the sector has moved from a product centric to a customer centric position. Customer’s satisfaction is also of great interest to practitioners because of its important effect on customer retention. Obviously, it is evident that internet banking saves time of the customers and also provides convenience and accessibility (Moinuddin, 2013).
The major objective of the study is to determine the impact of internet banking service on customer satisfaction and adoption in Nepalese commercial bank. The specific objectives of the study are to examine the relationship of convenience, security, web design, responsiveness or speed of delivery and awareness on customer satisfaction and adoption, to examine the effect of convenience, security, web design, responsiveness and awareness on customer satisfaction and adoption, to examine the role of convenience, security, web design, responsiveness or speed of delivery and awareness in customer satisfaction and adoption of Nepalese commercial banks, to find out the most important internet banking and customer satisfaction and adoption of Nepalese commercial banks.
In order to achieve the objectives, primary data collection was performed by providing questionnaire to 155 customers of 18 commercial banks. The questionnaire were ranking Scale, Likert and other demographic information were used to collect primary data. The Likert scale on the different variables on internet banking service,customer satisfaction and adoption were measured in 5 point liker scale and weighted mean value of each variable were used to examine the relationship between independent and dependent variables as for the study purpose.
The result confirmed that convenience, web design, security, responsiveness and awareness are major factors affecting customer satisfaction and adoption of Nepalese commercial banks. Likewise, convenience, web design, security, responsiveness and awareness are ranked as the most important dimension of internet banking service affecting customer satisfaction and adoption of Nepalese commercial banks. The study revealed that convenience, web design, security, responsiveness and awareness have positive relationship with customer satisfaction and adoption indicating that higher the level of convenience, web design, security, responsiveness and awareness, higher would be the customer satisfaction and adoption.
Using correlation analysis, the study reveals that there is positive correlation of convenience with customer satisfaction and adoption. There is positive correlation between security, responsiveness and customer satisfaction and adoption. There is positive correlation between web design and customer satisfaction and adoption. There is positive correlation between awareness and customer satisfaction and adoption.
The regression analysis reveals that the beta coefficient is positive for convenience and responsiveness or speed of delivery when regressed with customer satisfaction and adoption. It means that more the internet banking services are convenient and responsive higher would be customer satisfaction and adoption. The beta coefficient is positive for design when regressed with customer satisfaction and adoption. It means that better the design higher would be customer satisfaction and adoption. The beta coefficient is positive for security when regressed with customer satisfaction and adoption. It means that more the internet banking services are secured higher would be the customer satisfaction. The beta coefficient is positive for awareness when regressed with customer satisfaction and adoption. It means that higher the level of awareness about internet banking services higher would be customer satisfaction and adoption. The beta coefficient is positive for convenience, security, web design, responsiveness or speed of delivery and awareness when regressed with customer satisfaction. They are significant at 1 percent level of significance. The beta coefficient is positive for convenience, security, web design, responsiveness or speed of delivery and awareness when regressed with customer adoption. Convenience is significant at 5 percent level of significance.
Internet banking and customer satisfaction in Nepalese commercial banks [printed text] / Usha Sharma, Author . - 2017 . - 92p. ; GRP/Thesis + 10/B.
Languages : English
Descriptors: Customer satisfaction
Internet bankingClass number: 332.102 Abstract: Banks are one of the most important institutions for the development of the financial sector, economy and the country as a whole. Internet banking is defined as an internet portal, through which customers can use different kinds of banking services ranging from bill payment to making investments. Banking can be done literally from anywhere if one has a computer and net connectivity. Internet banking helps consumers in conducting fast and convenient financial transaction activities. Banks have used electronic channels to do banking operations with both domestic and international customers. Currently, banks are mostly using electronic channels to receive instructions and deliver their products and services to their customers. The increased availability of electronic banking modes in the banking industry has changed the way banks service their customers and improved customer satisfaction. There are varieties of different channels that provide easy mode to the customers as well as in decision making of their funds while sitting at home as it is just a click away (Saxena and Agrawal, 2016). Internet banking has significantly influenced on people’s life. Quality of service is important in the banking sector. Therefore, the sector has moved from a product centric to a customer centric position. Customer’s satisfaction is also of great interest to practitioners because of its important effect on customer retention. Obviously, it is evident that internet banking saves time of the customers and also provides convenience and accessibility (Moinuddin, 2013).
The major objective of the study is to determine the impact of internet banking service on customer satisfaction and adoption in Nepalese commercial bank. The specific objectives of the study are to examine the relationship of convenience, security, web design, responsiveness or speed of delivery and awareness on customer satisfaction and adoption, to examine the effect of convenience, security, web design, responsiveness and awareness on customer satisfaction and adoption, to examine the role of convenience, security, web design, responsiveness or speed of delivery and awareness in customer satisfaction and adoption of Nepalese commercial banks, to find out the most important internet banking and customer satisfaction and adoption of Nepalese commercial banks.
In order to achieve the objectives, primary data collection was performed by providing questionnaire to 155 customers of 18 commercial banks. The questionnaire were ranking Scale, Likert and other demographic information were used to collect primary data. The Likert scale on the different variables on internet banking service,customer satisfaction and adoption were measured in 5 point liker scale and weighted mean value of each variable were used to examine the relationship between independent and dependent variables as for the study purpose.
The result confirmed that convenience, web design, security, responsiveness and awareness are major factors affecting customer satisfaction and adoption of Nepalese commercial banks. Likewise, convenience, web design, security, responsiveness and awareness are ranked as the most important dimension of internet banking service affecting customer satisfaction and adoption of Nepalese commercial banks. The study revealed that convenience, web design, security, responsiveness and awareness have positive relationship with customer satisfaction and adoption indicating that higher the level of convenience, web design, security, responsiveness and awareness, higher would be the customer satisfaction and adoption.
Using correlation analysis, the study reveals that there is positive correlation of convenience with customer satisfaction and adoption. There is positive correlation between security, responsiveness and customer satisfaction and adoption. There is positive correlation between web design and customer satisfaction and adoption. There is positive correlation between awareness and customer satisfaction and adoption.
The regression analysis reveals that the beta coefficient is positive for convenience and responsiveness or speed of delivery when regressed with customer satisfaction and adoption. It means that more the internet banking services are convenient and responsive higher would be customer satisfaction and adoption. The beta coefficient is positive for design when regressed with customer satisfaction and adoption. It means that better the design higher would be customer satisfaction and adoption. The beta coefficient is positive for security when regressed with customer satisfaction and adoption. It means that more the internet banking services are secured higher would be the customer satisfaction. The beta coefficient is positive for awareness when regressed with customer satisfaction and adoption. It means that higher the level of awareness about internet banking services higher would be customer satisfaction and adoption. The beta coefficient is positive for convenience, security, web design, responsiveness or speed of delivery and awareness when regressed with customer satisfaction. They are significant at 1 percent level of significance. The beta coefficient is positive for convenience, security, web design, responsiveness or speed of delivery and awareness when regressed with customer adoption. Convenience is significant at 5 percent level of significance.
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Barcode Call number Media type Location Section Status 332.102 SHA Maps and Plans BBA_BI Junction Philosophy & Psychology Not for loan 429/D 332.102 SHA Thesis/Dissertation Uniglobe Library Social Sciences Available
Title : Reward management, employee job satisfaction and profitability in Nepalese commercial banks Material Type: printed text Authors: Alina Uday, Author Publication Date: 2019 Pagination: 145p. Size: GRP/Thesis Accompanying material: 14/B Languages : English Abstract: Reward and their influence are becoming an issue of concern for all. Therefore, effective reward management deals with setting processes, policies and strategies. Such practices are required to ensure that the contribution of employees to the business is recognized by those responsible for the running of the organization. Reward is defined as all of the monetary, non-monetary, and psychological payments that an organization provides for its employees. Reward management has gained increased importance especially in the current dynamic and competitive environment. This is because it enables organizations to recruit and maintain employees as well as to increase organizational productivity. Employee satisfaction is an important variable that is able to give an opinion about general emotion and thinking forms of employees about their job and workplace. Thus, employee satisfaction refers to expectations of the employee about the workplace and his attitudes forward his job. Thus, job satisfaction is a function of the extent to which one's needs are satisfied in a job. In many cases, rewards management is closely related to motivation theories and job satisfaction. The term of job satisfaction has become a very significant one, now that managers seek for practices which are likely to make people more satisfied and therefore, more productive. Though several papers within the latest literature, it is easy to understand that job satisfaction is quite difficult to measure while it is considered as major determinant of organizational performance.
The study is based on both primary and secondary data which were gathered with 208 respondents and 2017/18 annual report of 19 commercial banks. The respondent’s views were collected through questionnaire on employee job satisfaction, promotion, compensation, development and training opportunities, recognition, employee empowerment. This study has employed descriptive research design and causal comparative research design to deal with issues associated with reward management on employee job satisfaction and profitability of Nepalese commercial banks.
The mean value of the statements of promotion ranges from 2.2 to 5.00. Among them, the most significant observation is “promotion is based on performance evaluation of employees.” The weighted average mean for promotion is 3.73. Similarly, the mean value of the statements of compensation ranges from 1.60 to 5.00. Among them, the most significant observation is “my bank has satisfactory salary level in relation to the nature of job.” The weighted average mean for compensation is 3.82. Likewise, the mean value of the statements of development and training opportunities ranges from 2.20 to 5.00. Among them, the most significant observation is “the training conducted in my bank uses up-to-date equipment, facilities and materials.” the weighted average mean for development and training opportunities is 3.77. Likewise, the mean value of the statements of recognition ranges from 2.00 to 4.80. Among them, the most significant observation is “executive management actively supports and participates in the recognition process.” The weighted average mean for recognition practices is 3.72. Similarly, the mean value of the statements of employee empowerment ranges from 1.80 to 4.80. Among them, the most significant observation is “I have the authority to correct customer problems when they occur.” the weighted average mean for communication is 3.75.
The result shows that promotion is positively correlated to employee job satisfaction and return on assets. It indicates that better the promotion practices, higher would be the employee job satisfaction and return on assets. Similarly, the study reveals that compensation is positively correlated to employee job satisfaction and return on assets. It indicates that higher the level of compensation, higher would be the employee job satisfaction and return on assets. Likewise, the result shows that development and training opportunities are positively correlated to employee job satisfaction. It shows that effective and timely development and training opportunities, higher would be the employee job satisfaction and return on assets. Similarly, recognition is also positively correlated to employee job satisfaction and return on assets. It states that better the recognition higher would be the employee job satisfaction and return on assets. In addition, the result shows that employee empowerment is also positively correlated to employee job satisfaction and return on assets. It indicates that higher employee empowerment practices, higher would be the employee job satisfaction and return on assets in Nepalese commercial banks.
The result shows that beta coefficients for promotion are positive and significant with employee job satisfaction and return on assets. It indicates that promotion has a positive impact on employee job satisfaction and return on assets. Similarly, the result reveals that beta coefficient for compensation in reward management is positive with employees’ job satisfaction and return on assets. It indicates that compensation have positive impact on employees’ job satisfaction and return on assets. Furthermore, the beta coefficients for development and training opportunities are positive with employee job satisfaction and return on assets. It indicates that development and training opportunities has a positive impact on employee job satisfaction and return on assets. Similarly, the result reveals that beta coefficients recognition is positive and significant with employee job satisfaction and return on assets. It indicates that recognition has a positive impact on employee job satisfaction and return on assets. Likewise, the beta coefficient for employee empowerment is positive with employee job satisfaction and return on assets. It indicates that employee empowerment has a positive impact on employee job satisfaction and return on assets.
Recommendations are given on the basis of the findings of the study. The major conclusion of the study is that promotion, compensation, recognition, development and training opportunities and employee empowerment have positive impact on employee job satisfaction and profitability in Nepalese commercial banks. It indicates that higher the promotion, compensation, recognition, development and training opportunities and employee empowerment higher would be employee job satisfaction and profitability. The study also concludes that the most influencing factor of reward management for employee job satisfaction are compensation and promotion in Nepalese commercial banks.
Reward management, employee job satisfaction and profitability in Nepalese commercial banks [printed text] / Alina Uday, Author . - 2019 . - 145p. ; GRP/Thesis + 14/B.
Languages : English
Abstract: Reward and their influence are becoming an issue of concern for all. Therefore, effective reward management deals with setting processes, policies and strategies. Such practices are required to ensure that the contribution of employees to the business is recognized by those responsible for the running of the organization. Reward is defined as all of the monetary, non-monetary, and psychological payments that an organization provides for its employees. Reward management has gained increased importance especially in the current dynamic and competitive environment. This is because it enables organizations to recruit and maintain employees as well as to increase organizational productivity. Employee satisfaction is an important variable that is able to give an opinion about general emotion and thinking forms of employees about their job and workplace. Thus, employee satisfaction refers to expectations of the employee about the workplace and his attitudes forward his job. Thus, job satisfaction is a function of the extent to which one's needs are satisfied in a job. In many cases, rewards management is closely related to motivation theories and job satisfaction. The term of job satisfaction has become a very significant one, now that managers seek for practices which are likely to make people more satisfied and therefore, more productive. Though several papers within the latest literature, it is easy to understand that job satisfaction is quite difficult to measure while it is considered as major determinant of organizational performance.
The study is based on both primary and secondary data which were gathered with 208 respondents and 2017/18 annual report of 19 commercial banks. The respondent’s views were collected through questionnaire on employee job satisfaction, promotion, compensation, development and training opportunities, recognition, employee empowerment. This study has employed descriptive research design and causal comparative research design to deal with issues associated with reward management on employee job satisfaction and profitability of Nepalese commercial banks.
The mean value of the statements of promotion ranges from 2.2 to 5.00. Among them, the most significant observation is “promotion is based on performance evaluation of employees.” The weighted average mean for promotion is 3.73. Similarly, the mean value of the statements of compensation ranges from 1.60 to 5.00. Among them, the most significant observation is “my bank has satisfactory salary level in relation to the nature of job.” The weighted average mean for compensation is 3.82. Likewise, the mean value of the statements of development and training opportunities ranges from 2.20 to 5.00. Among them, the most significant observation is “the training conducted in my bank uses up-to-date equipment, facilities and materials.” the weighted average mean for development and training opportunities is 3.77. Likewise, the mean value of the statements of recognition ranges from 2.00 to 4.80. Among them, the most significant observation is “executive management actively supports and participates in the recognition process.” The weighted average mean for recognition practices is 3.72. Similarly, the mean value of the statements of employee empowerment ranges from 1.80 to 4.80. Among them, the most significant observation is “I have the authority to correct customer problems when they occur.” the weighted average mean for communication is 3.75.
The result shows that promotion is positively correlated to employee job satisfaction and return on assets. It indicates that better the promotion practices, higher would be the employee job satisfaction and return on assets. Similarly, the study reveals that compensation is positively correlated to employee job satisfaction and return on assets. It indicates that higher the level of compensation, higher would be the employee job satisfaction and return on assets. Likewise, the result shows that development and training opportunities are positively correlated to employee job satisfaction. It shows that effective and timely development and training opportunities, higher would be the employee job satisfaction and return on assets. Similarly, recognition is also positively correlated to employee job satisfaction and return on assets. It states that better the recognition higher would be the employee job satisfaction and return on assets. In addition, the result shows that employee empowerment is also positively correlated to employee job satisfaction and return on assets. It indicates that higher employee empowerment practices, higher would be the employee job satisfaction and return on assets in Nepalese commercial banks.
The result shows that beta coefficients for promotion are positive and significant with employee job satisfaction and return on assets. It indicates that promotion has a positive impact on employee job satisfaction and return on assets. Similarly, the result reveals that beta coefficient for compensation in reward management is positive with employees’ job satisfaction and return on assets. It indicates that compensation have positive impact on employees’ job satisfaction and return on assets. Furthermore, the beta coefficients for development and training opportunities are positive with employee job satisfaction and return on assets. It indicates that development and training opportunities has a positive impact on employee job satisfaction and return on assets. Similarly, the result reveals that beta coefficients recognition is positive and significant with employee job satisfaction and return on assets. It indicates that recognition has a positive impact on employee job satisfaction and return on assets. Likewise, the beta coefficient for employee empowerment is positive with employee job satisfaction and return on assets. It indicates that employee empowerment has a positive impact on employee job satisfaction and return on assets.
Recommendations are given on the basis of the findings of the study. The major conclusion of the study is that promotion, compensation, recognition, development and training opportunities and employee empowerment have positive impact on employee job satisfaction and profitability in Nepalese commercial banks. It indicates that higher the promotion, compensation, recognition, development and training opportunities and employee empowerment higher would be employee job satisfaction and profitability. The study also concludes that the most influencing factor of reward management for employee job satisfaction are compensation and promotion in Nepalese commercial banks.
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Barcode Call number Media type Location Section Status 617/D ALI Thesis/Dissertation BBA_BI Junction Philosophy & Psychology Available
Title : You Can Achieve More Material Type: printed text Authors: Khera,Shiv, Author Publisher: Bloomsbury Publication Date: 2018 Pagination: 280.p Size: fiction ISBN (or other code): 978-93-86349-06-4 Price: 638.40 Languages : English You Can Achieve More [printed text] / Khera,Shiv, Author . - [S.l.] : Bloomsbury, 2018 . - 280.p ; fiction.
ISBN : 978-93-86349-06-4 : 638.40
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