Bank Officials Research Articles

Analisa Perbandingan Rumus Haversine Dan Rumus Euclidean Berbasis Sistem Informasi Geografis Menggunakan Metode Independent Sample t-Test

Comparative Analysis of the Haversine Formula and the Euclidean Formula based on Geographical Information Systems which aims to analyze and compare the measurement results of the two formulas whether there are significant differences to the distance measured based on geographic information systems. Research objects used to collect distance data are several bank offices in the city of Solo. The method used in this research is to create a geographic information system application using web-based programming using the PHP (Pearl Hypertext Prepocessor) programming language, with the MySQL database. Measurements were carried out on two formulas, namely the Haversine formula and the Euclidean formula and obtained data in the form of distances in kilometers (km) which were obtained from the program system, then the data was processed using Statistical Product and Service Solution (SPSS) 23 software. is the Independent Sample t-test method. From the data analysis, the conclusion is that there is no significant difference in the calculation of the distance between the Haversine formula and the Euclidean formula. The Independent Sample T Test method is able to analyze the comparison of distance measurements using the Haversine formula and the Euclidean formula does not have a significant difference, meaning that the variants of the two formulas are the same.
 
 Kata Kunci : Haversine formula, Euclidean formula , geographic 
 information system, Independent Sample t-Test Method

Population groups and banks: a comparative study on the survival analysis of Indian commercial banks

PurposeBanks in India have started opening their branches in different areas to make sure that their customers get a high-touch experience and they see them as a premier brand. This could be ensured only if the banks show a stable physical presence in the market as well as provide the recent high-tech services to their customers as per the population group. The purpose of this study is to examine the survival rates of the commercial banks in India across the four population groups along with the differences that exist in their survival rates in all the population groups.Design/methodology/approachThe analysis is based on the quarterly data of the number of functioning offices of the commercial banks in India as per the four population groups from March 2006 to December 2019. The survival is estimated using the Kaplan–Meier estimator.FindingsFrom the analysis, it is revealed that survival of the banks changes as per the population group. In addition to this, it is found that the survival time of each category of the bank varies in each population group.Research limitations/implicationsThis study focuses only on the commercial banks of India; a similar research could be done for other categories of Indian banks. Also, the results would have been different if the variables such as the size of the bank, bank risk, etc. are included and studied. Moreover, this study is done using the Kaplan–Meier estimator, i.e. time-to-event. Further, an advance study could be done after considering the financial parameters of banks using the Cox’s regression model, which explores the relationship between various predictors and the time-to-event.Social implicationsDue to the changes in the preferences of societies, the banks should also adopt different strategies to ensure that their products are understood and accepted by their customers. This will eventually increase the survival rate of the banks.Originality/valueThe work made in this study is completely new.

The significant role and impact of customer relationship management practices in the banks: A customers’ satisfaction survey

This paper was designed to explore the background of banking and retail consumer relations. It also aims at evaluating the impact on customer loyalty of customer relationship management. Five consumer interaction dimensions have been identified: Loyalty, Capacity, Special Consideration, Conflict Management and Ease. The customer's satisfaction with bank is influenced only by faith, special treatment and ease. This research will assist bank officials in implementing a proper client relationship management strategy.

How Customer-Centricity Approach Creates a Win-win Situation? An Analysis of Murabah ¯ . ah Product

Purpose: Financial inclusion, through the provision of financial products and services, for the Low Income Group (LIG) of the society is critical. The purpose of this study is to investigate how customer-centric mur¯abah. ah product created a win-win situation for all stakeholders. Methodology: A case study approach using personal interviews and analysing ke documents was used for in depth analysis. The main research questions of the study are: how the customer-centricity approach leads to a win-win situation for an Islamic Financial Institution (IFI) and the beneficiary LIG employees and their employer? And how operational and default risks can be minimized by modifying the existing product? Findings: The benefits for the bank are: minimized risk, reduced operational cost, improved profitability, and a sound banker-customer relationship. The employees are happy with social up-gradation, time-saving, and owned transportation facility. Organizational productivity is improved because of employees’ loyalty and satisfaction. More demand for the product from other organizations is also found. Significance: The in-depth investigation of a product through a case study research based on the personal interviews from bank officials, employer, and the beneficiary of the products (employees) is a unique feature of the research. Limitations: Generalization may not truly reflect the findings of this study as only one product and one bank is studied in this research. Practical and Social Implications: Uplifting the LIG status without loosing their self respect can attract more Islamic Financial Institutions to work for this social cause.

Measurement of the Effectiveness of Training Programs of Private Commercial Banks in Bangladesh

Training is essential to enhance the performance of employees in every organization, but it is essential to increase the performance of employees in private commercial banks in Bangladesh as they need to satisfy customers to conduct business activities successfully. The management of private commercial banks have provided various training to their employees to enhance their skills, knowledge, competency and so on. They have spent a substantial amount of budget in every year to conduct their training programs. They are continually trying to make their training program effective so that the employees can contribute more to the growth and development of their banks. Therefore, the main purpose of the study is to assess the effectiveness of the training programs of private commercial banks in Bangladesh. Structured questionnaire was used to collect the data/information from 97 bank officials randomly. Frequency distribution, correlation and multiple linear regression analysis were done to interpret the data and information in this study. The study findings show that there are some problems with the effectiveness of training programs of the private commercial banks in Bangladesh. Thus, the authors have conducted this study and provided some suggestions to the management of the banks to overcome these problems and make the training programs effective.

Branchless Banking Process in Rural Areas: A Price Barrier?

Branchless Banking is one of the programs of Indonesia's financial inclusion strategy. The programs' name is "Financial Service Without Office in the Framework of Inclusive Financial" which called “Laku Pandai.” This study aims to portrait the implementation of the Branchless Banking program concerning the obstacles that occurred to achieve program objectives. The research conducted using qualitative methods. The existence of Branchless Banking agents close to the community has fulfilled the program objective, to make an easy way for society to do financial transactions without having to go to the bank office. Therefore, the implementation of the Branchless Banking program met the criteria for eliminating non-price barriers in financial services in remote areas. However, delegation authority to the agent as an extension of the bank to provide limited financial services has encouraged agents to engage in moral hazard behaviors by charging the tariff that greater than the official rate set by the managing bank. It showed that the agent has taken the consumer surplus provided by the Branchless Banking technology. Although accepted by society since considerably cheaper than the fee to go to the nearest bank office, that condition becomes a price barrier for the future development of Branchless Banking.

Networking in Weak Institutions: When Is It Good for Small Business Investment? The Case of Vietnam

ABSTRACTThis study investigates the influence of business-specific, bank-specific, and political-specific networks on small firm investments in Vietnam. Also, I aim to explain how these social networks substitute the weaknesses of local institutions. Examining a set of more than 9,800 firm-year observations of small businesses in Vietnam from 2005–2015, I find that social ties with bank officials can boost firm investments; social ties with government officials can help firms overcome institutional voids; whereas social ties with businesspeople appear trivial to investment decisions. More importantly, I propose that networking, especially networks built upon connections with government officials, can substitute local institutions by addressing weaknesses in (1) inefficient legal enforcement, (2) corruption, (3) bureaucratic compliance, and (4) non-transparent governance system.

ANALYSIS OF THE EFFECTIVENESS AND IMPACT OF LESS HUMAN RESOURCES IN IMPROVING EMPLOYEE PERFORMANCE AT PT BANK SUMUT SYARIAH KCP KISARAN

In carrying out a job, it will be better if it is done together, this is so that the work is completed on time and more effectively. Human resources are an important factor in the success of a company to achieve the expected targets. Employees at Bank Sumut Syariah KCPsy The current range is still minimal so a lot of work is done in duplicate or can be made with multiple positions in order to complete the work in order to achieve the expected target. This is very influential on the performance that is carried out on all employees and really needs some employees (recruitment) to facilitate all activities at the North Sumatra Sharia bank office KCPsy Kisaran.

“The Department Was Buzzing with Activity Day and Night...»” from the History of the Temporary Branch of the State Bankin Verkhneudinsk, 1894-1905

The article examines the history of the temporary branch of the State Bank of the Russian Empire in Verkhneudinsk on the basis of archival documents found in the State Archive of the Republic of Buryatia and the State Archive of the Irkutsk Region, published sources and literature. The reasons for setting up a bank office on the territory of Western Transbaikal are identified, primarily due to the need to provide credit and financial services during the «most outstanding» Verkhneudinskaya Winter Fair with a turnover of more than two million rubles. The role of the director of the Irkutsk branch of the State Bank A. M. Mikhailovsky in the foundation and subsequent activities of the banking department is determined. The work of bank employees in providing typical banking services to the population of the region (lending, accounting for bills of exchange, making money transfers, accepting deposits) is analyzed, and the dynamics of credit and financial transactions is revealed. The influence exerted by the activities of the temporary branch on the economic development of Western Transbaikal and, in particular, on the formation of its banking system is established. The reasons for the short history of the branch and its closure are revealed, the main of which was the decline of the fair trade caused by the construction of the railway line.

Job Satisfaction of Private Banking Sector Employees in Bangladesh

The intention of this study is to explore the job satisfaction level in Private Banking Sector officers of Bangladesh. This study highlights the factors of job satisfaction of bank employees in our country also try to evaluate the influences of these factors on the ultimate job satisfaction. So, Private Banks employees are the target population of this research paper. This paper reveled some institutional factors like working environment, work condition, pay, fair treatment of employees, provision of loan, promotion policy and acknowledgement for good performance meaningfully effect on job satisfaction of private Bank employees. On the other hand, employee’s individual factors such as age and gender, marital status minorly effect job satisfaction of Bank employees. The study conveys the message to Bank management that they should give more attention to stimulate and uphold the human resources in banking sector in Bangladesh. For attaining decisive mission of the banking division, the Bank Administration should satisfy the bank officers and utilize their maximum effort by confirming comprehensive superiority of their institutions. We think the results and academic consultation of this research may assist the relevant people for additional research and formulation of plan.

The Effect of Financial and Non-Financial Indicators on the Profitability of Islamic Commercial Banks in Indonesia

This study aims to analyze the influence of financial indicators (CAR, FDR, BOPO, NIM, NPF) and non-financial (number of bank offices, market share, GCG, CSR) on profitability that is proxied by Return on Assets (ROA) of Islamic Banks in 2014 -2018. The data source used is secondary data from 2014-2018. Data analysis techniques used are descriptive analysis, multiple linear regression analysis and the classic assumption test. Findings. The results of the study are that CAR does not have a significant negative effect. FDR does not have a significant negative directional effect. BOPO has a significant negative effect. NIM has a positive positive significant effect. NPF has a significant negative effect. The number of bank offices has no significant positive effect. Market share does not have a significant negative directional effect. GCG does not have a significant negative effect. CSR has a significant negative effect. The adjusted R2 value is 73.21% while the remaining 26.79% is influenced by other variables outside the study so the researcher should further add other variables.

Pengaruh Biaya Diklat, Jumlah Kantor, dan Jumlah Tenaga Kerja pada Laba Perbankan Syariah

This paper analyzes how significant the internal company factors affecting the profit of the sharia banking industry. There are so many variables that can affecting profit, and profit is an important part of shariah banking for its business sustainability, so in this research, profit was selected as the dependent variable, its data was taken from monthly reports of sharia banking profit/Loss, the independent variables that were selected are the cost of education and training, the number of sharia banking offices, and the amount of the sharia banking labor. This research using 25 data starting from January 2018 to January 2020 with the results of the regression analysis indicates the difference of significance, the cost of training and education significantly affecting the profit of sharia banking, while the results of regression for the number of the office and the amount of labor indicates that both variables were not significantly affecting the profit of sharia banking.

Use of electronic payment facilities: A case study of the Siberian Federal District regions

Subject. This article assesses the development of electronic payment facilities in the context of the declining regional coverage of commercial bank offices. Objectives. The article aims to test a methodological approach to assessing the development of electronic payment facilities, considering the regions of the Siberian Federal District as a case study. Methods. For the study, we used the methods of statistical and comparative analyses. Results. The developed methodological approach to assessing the development of electronic payment facilities has been tested using the information data of the Siberian Federal District regions. The article describes the criteria for the development of electronic payment facilities. Relevance. The findings and proposed methodological approach can be used in the development of the theory of non-cash settlements, as well as in the practical activities of the country's financial institutions. The results of the study are applied by the Ministry of Finance of the Tyva Republic and by the Division – National Bank of the Tyva Republic of the Siberian Main Branch of the Central Bank of the Russian Federation.

Женский труд в Центральном управлении и в Санкт-Петербургской конторе Государственного банка Российской империи в конце XIX – начале XX века

Introduction. The article is devoted to a topic that has been insufficiently studied in Russian historiography – female labor in state institutions of Russia in the late 19th – early 20th centuries. The reader will find out how difficult it was to get into the ranks of the bank employees, what requirements were put forward by the leadership of this institution for candidates for a position at the Central Office and Saint Petersburg branch. Methods and materials. Based on archival materials the author examines the practice of recruiting women for service in the Central Office of the State Bank and its metropolitan branch. The author applies traditional methodological foundations: scientific objectivity, the systematic approach and historicism, as well as the general scientific method of structural and functional analysis. Analysis. The article focuses on the working conditions of women and their wages. It also provides some information about the social origin of women employees in the bank, their educational level. The author dwells on the changes in the practice of recruiting women in the early 20th century, especially during the First World War. It is important to note that the bank leadership’s requirements for women employed have undergone tangible changes over the thirty years since their first recruitment. If at the first stage relatives of bank officials were mainly recruited into the main credit institution of the country, then by the First World War these conditions had substantially softened. The defining requirements were the educational level, personal qualities and discipline of persons who were members of the bank staff. It was these qualities that convinced the bank leadership of the equivalence of female labor in relation to male labor, especially after the mass recruitment of the latter into the army. Results. The processes of staffing the State Bank by women employees, considered in the article, convincingly indicate a gradual revision of the relationship traditionally seen in Imperial Russia to women as subjects of socio-economic life in society. It is important to note that these changes largely occurred not due to the struggle of women for their rights, but as a result of the economic development of the country, in which labor resources of the male part of the empire were more and more exhausted. This factor played a key role in attracting women to public service.

PERBANDINGAN METODE NEAREST NEIGHBOR, WARD DAN K-MEANS DALAM MENENTUKAN CLUSTER DATA KINERJA KANTOR UNIT BANK ABC

Penelitian ini bertujuan untuk mengetahui langkah-langkah analisis cluster dengan metode Nearest Neighbor, Ward dan K-Means, serta membandingkan hasil analisis ketiga metode tersebut untuk mengklusterkan data kinerja unit Bank ABC.
 Analisis cluster dilakukan menggunakan Aplikasi IBM SPSS Versi 23. Hasil pengklusteran ketiga metode tersebut dibandingkan dengan menggunakan rasio simpangan baku dalam kelompok (Sw) dan simpangan baku antar kelompok (Sb). Pada penelitian ini berdasarkan nilai rasio simpangan baku dalam cluster dan simpangan baku antar cluster menunjukkan bahwa metode Ward memiliki kinerja yang lebih baik ketika digunakan pada clustering kinerja unit Bank ABC, hal ini ditunjukan dengan nilai rasio (Sw/Sb) yang terkecil diantara ketiga metode yang dibandingkan yaitu sebesar 0,353302.
 Dengan demikian maka hasil cluster yang akan digunakan sebagai acuan pada penentuan cluster data kinerja kantor unit Bank ABC adalah hasil analisis cluster menggunakan metode Ward.

OPTIMIZING BALANCE SHEET FOR BANKS IN INDIA USING GOAL PROGRAMMING

In earlier years, there was abundance of funds in banks in the form of demand and savings deposits. Hence, the focus of banks was mainly on asset management. But intense competition and volatility of interest rate due to banking reforms reduced the availability of low-cost funds and therefore, banks focused on liability management as well. These pressures call for structured and comprehensive measures and not just ad hoc action. This is how banks started to concentrate more on the management of both sides of the balance sheet. As a result, the concept of asset-liability management originated in India and introduced in the Indian banking industry since 1st April 1999 to administer the risk management aspects. This paper attempts to optimize assets and liabilities of banks using goal programming technique. Secondary data is collected from annual reports of Allahabad bank from 2010-2019 and RBI website is used for modelling. The findings show that in Allahabad bank, goal programming help in achieving optimization and increase profitability. The model incorporating constraints and set objectives. It model can support banks in decision making process, planning, budgeting, and forecasting. An attempt is made to use realistic goals and constraints after discussing with bank officials.
 JEL Classification Codes: C61, G21, G32.

ECB language and stock returns – A textual analysis of ECB press conferences

This paper examines the language used by central bank officials in public press conferences and how it influences stock returns in the euro area. By proposing a sentiment mining approach that accounts for grammatical and syntactical cues, a distinction is drawn between (i) the general tone, (ii) uncertainty, and (iii) constraint expressed by ECB officials. The results show that as constraining language is often used to express policy commitment, press conferences with higher fractions of constraining language are associated with positive intraday stock price movements in times of unconventional monetary policy. In addition, we conclude that in times of crises, intraday returns are more sensitive towards the general tone of ECB officials as market participants may find it harder to grasp the future path of monetary policy. In further analyses, a distinction is made between sections within the press conferences that specifically address either the monetary analysis or the economic outlook. The results indicate that market participants interpret uncertain language in the economic outlook as a signal of expansive monetary policy decisions going forward as indicated by positive intraday stock returns. Finally, by proposing a novel rule-based approach to identify forward-looking statements of ECB press conferences, first evidence is provided in this paper that forward-looking answers given by ECB officials in the Q&A Sessions significantly affect euro area stock returns.

ADOPTION OF KNOWLEDGE MANAGEMENT IN PAKISTAN: AN INVESTIGATION OF CRITICAL SUCCESS FACTORS

Although, knowledge has been recognized as a key business asset, firms are still in the infancy stages of comprehending the practical implications of knowledge management. Developing countries are widely believed to be falling far behind in competitiveness and socio-economic development, due to their inability to develop capacities to enable themselves to take part in the emerging global networks of knowledge creation. There is a dire need for a more organized and purposeful study, on critical success factors for knowledge management adoption in developing countries like Pakistan. However, no research, so far, has been conducted to empirically investigate a detailed list of CSFs for KM adoption in Pakistan. This paper evaluates and disseminates the findings of a self-administered survey to investigate the critical success factors for the implementation of KM in banking sector of Pakistan. A survey questionnaire having 11 factors, consisting 66 items is adopted in this study, which is statistically tested for its validity as well as reliability. Data are collected from banking officials. The level of importance, as well as the ranking list of the critical success factors for KM adoption is statistically examined. This paper provides a priority list of CSFs—figured out in order of their importance—for KM adoption in the banking sector of Pakistan. Human resource management, motivational aids, and processes and activities are found to be the most important, while measurement and organizational infrastructure are found to be the least important factors, perceived by the bankers.

Pengaruh CAR, NPF, FDR, Inflasi dan BI Rate terhadap Profitabilitas Perusahaan Perbankan Syariah di Indonesia Periode 2014-2018

This study aims to analyze whether internal and external factors can affect Sharia banks' profitability in Indonesia because data is viewed data that the profitability of Sharia banks in Indonesia is increasing. However, Sharia banks' development decreases from the number of Sharia bank offices in Indonesia that remain even declining annually. The population used in this study is 14 Islamic commercial banks in Indonesia which the Financial Services Authority registers (OJK) rather than those filtered using specific criteria as stipulated during 2014-2018 in Indonesia and published financial statements for all periods of study and finally gained ten banks, this type of research is a quantitative causal. The results showed that one of the internal factors of the Capital Adequacy Ratio (CAR) had a positive influence over Sharia banking profitability (ROA) and other variables such as Non-Performing Finance (NPF), Financing of Debt Ratio (FDR), inflation, and BI Rate had no effect on Return On Asset (ROA).

Risk Factors of Premature Coronary Artery Disease

Introduction: Coronary artery disease (CAD) is one of the commonest and leading causes of death throughout the world. It is becoming common in the younger age group as well. This study was carried out to analyze the risk factors present in young patients who presented with acute Myocardial Infarction (M.I).
 Materials and Methods: In this descriptive cross-sectional study, we included 120 patients of age 20-35 years of age who presented with the first episode of acute M.I. Study was conducted at Pakistan Institute Of Medical Sciences, Islamabad, department of cardiology for all patients with first MI from 1st February 2016 to 31st January 2018. Twelve risk factors were studied including Gender, Hypertension, Diabetes mellitus, dyslipidemia, sedentary lifestyle, family history of premature CAD, obesity, smoking, dietary habits, profession, socioeconomic stress, drug addictions. The frequency of risk factors was calculated.
 Results: Results showed that some of the risk factors were present in higher proportion e.g. smoking, sedentary lifestyle, poor dietary habits, and stressful socioeconomic conditions. Most of the patients in the younger age group were drivers. The results of our study showed that male patients were higher(93.3%) in proportion to female patients (6.7%). 33% of patients were drivers, 13% plumbers, 13% shopkeepers, 10% businessmen, 8% laborers, 5% policemen, 5% students, 5% bank officers, 3% engineers, 2% teachers, 1% doctors. 68.3% of patients were smokers. 58.3% of patients were having high-stress scores. 23.3% of patients were having moderate stress score.18.3% were having a low-stress score. 56% of patients were having dyslipidemia.48% of patients were obese. Family history was present in 26.7% of patients.
 Conclusion: For patients presenting with premature CAD, Some of the modifiable risk factors include hypertension, sedentary lifestyle, fatty dietary habits, obesity, smoking, diabetes, dyslipidemia. The profession also affects the development of IHD as is evident from our study. So primary preventive strategies need to be implied to prevent the development of IHD, especially in individuals who are at risk.