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Stress Testing on Private Commercial Banks in Bangladesh
Kaniz Habiba Afrin,
Md. Ashraful Islam,
Md. Nahid Hasan,
Md. Tota Miah
Issue:
Volume 10, Issue 4, December 2022
Pages:
89-99
Received:
28 July 2022
Accepted:
25 August 2022
Published:
11 October 2022
DOI:
10.11648/j.ijebo.20221004.11
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Abstract: One of the most reliable and well-liked methods for signaling bank management of negative repercussions associated to possible threats is stress testing. It also depicts how much capital adequacy ratio (CAR) may be required to absorb losses if any substantial shocks occur. As per Bangladesh Bank standards, researchers conducted load testing on 10 Bangladeshi private commercial banks' non-performing loans (NPL), non-performing loans in two key sectors, equity price risk, liquidity shocks, and interest rate shocks in this article. Data from the annual reports of the chosen banks for the years 2016, 2017, and 2018 were used in this analysis. According to the study, all 10 banks in the years 2016, 2017, and 2018 need more capital due to the indicator NPL. In 2016, 2017, and 2018, Prime Bank was able to withstand NPL shocks in two crucial industries. Bank Asia and Jamuna bank were also able to do so in those years. In 2016, 2017, and 2018, four out of ten banks were able to surpass the shock threshold when it comes to equity price risk. Under the liquidity indicator, none of them can sustain operations in three years without additional financing. Finally, out of 10 banks, six banks do not need any more capital when the indicator interest rate is taken into account. The study also highlights certain extra CAR that the banks might enhance to withstand shocks. Finally, several intriguing study implications are demonstrated in this paper, which may be useful to senior management, decision-makers, depositors, owners, and other bank stakeholders.
Abstract: One of the most reliable and well-liked methods for signaling bank management of negative repercussions associated to possible threats is stress testing. It also depicts how much capital adequacy ratio (CAR) may be required to absorb losses if any substantial shocks occur. As per Bangladesh Bank standards, researchers conducted load testing on 10 B...
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Impact of Economic Factors on Tax Compliance Among Tax Payers in Zanzibar: A Case of SME’s in Urban West Region
Asya Mbarak Tahir,
Salama Yusuf,
Abdalla Ussi Hamad
Issue:
Volume 10, Issue 4, December 2022
Pages:
100-105
Received:
18 October 2022
Accepted:
7 November 2022
Published:
22 November 2022
DOI:
10.11648/j.ijebo.20221004.12
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Abstract: In Zanzibar, tax compliance has been encouraging many years back. Several strategies are established and implemented in the islands purposely for the tax payer to comply with tax regulations. Therefore, the main concern of this study was to examine the economic factors affecting tax compliance among tax payers in Zanzibar: a case of SME’s in urban west region. The researcher has mainly employed quantitative research approach with appropriate method of analysis for this study. A simple random sampling techniques was used to select a sample size for this study which consists of 336 respondents and survey questionnaire was used as data collection instrument. To achieve a reliable study a regression analysis was used to analyses the collected data from relevant respondents. The study has revealed that economic factors; government services and burden of taxation seem to have stronger implication tax compliance in Zanzibar while detection and punishment does not show a significant impact on tax compliance. The study concluded that economic factors have significance influence on tax compliance. Finally, the study recommended that TRA and ZRB should use effective measures to mobilize and motivate small tax payers to register online for turnover tax, value added tax among other taxes in order to increase tax compliance.
Abstract: In Zanzibar, tax compliance has been encouraging many years back. Several strategies are established and implemented in the islands purposely for the tax payer to comply with tax regulations. Therefore, the main concern of this study was to examine the economic factors affecting tax compliance among tax payers in Zanzibar: a case of SME’s in urban ...
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Influence of Digital Marketing on Consumers’ Purchasing Decision in Tailoring Industries in Zanzibar: A Case of Special Department Industrial Development Unit (SDIDU)
Hawa Abdalla Omar,
Abdalla Ussi Hamad,
Salama Yusuf
Issue:
Volume 10, Issue 4, December 2022
Pages:
106-112
Received:
25 November 2022
Accepted:
12 December 2022
Published:
28 December 2022
DOI:
10.11648/j.ijebo.20221004.13
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Abstract: The main objective of this research was to examine the Influence of digital marking on consumers’ purchasing decision in Tailoring industry in Zanzibar. Specifically, the study examines the influence of Mobile App Marketing and Social Media Marketing on Consumers’ Purchasing Decision in Tailoring Industries in Zanzibar: A Case of Special Department Industrial Development Unit (SDIDU). A nature of this study is quantitative. Furthermore, questionnaires were given to the customer of SDIDU based on a simple sampling technique. About 269 questionnaires were distributed among customers of SDIDU, only 28 questionnaires were not returned, whereas 241 questionnaires were returned. From the descriptive analysis, the results indicate that over 60 percent of the total respondents were agree and strong agree that social media marketing and mobile apps are influencing consumers’ purchasing decision. The results from multiple regression revealed that social media marketing and mobile apps have positive and significant relationship with consumers’ purchasing decision. The study concluded that through digital marketing were already knows the product and is looking for more information to assess its diverse products and alternatives to complete the purchasing decisions. Finally, according to this result, the study recommended that it is necessary for the firm or company to have a clear strategic plan especial on advertisement of the firm product. This is the world of technology so it impossible for any firm not using a digital marketing tools to advertise their product or/and services especially social media and mobile appl.
Abstract: The main objective of this research was to examine the Influence of digital marking on consumers’ purchasing decision in Tailoring industry in Zanzibar. Specifically, the study examines the influence of Mobile App Marketing and Social Media Marketing on Consumers’ Purchasing Decision in Tailoring Industries in Zanzibar: A Case of Special Department...
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The Current Situation, Evolution and Trend of the Research on Educational Funds in China — Bibliometric Analysis of CSSCI Journals from 2001 to 2021
Issue:
Volume 10, Issue 4, December 2022
Pages:
113-124
Received:
2 December 2022
Accepted:
22 December 2022
Published:
29 December 2022
DOI:
10.11648/j.ijebo.20221004.14
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Abstract: Finance is the cornerstone of national governance, and education funding is an important basis for education development. Since the beginning of this century, Chinese scholars have made great progress in the research of education funds, and gradually developed towards professionalism, standardization and cutting-edge. Through bibliometric analysis of journal papers since the beginning of this century (2001-2021), it is found that Wang Shanmai and other scholars have maintained a high degree of activity in their research on China's education funds, and impurities such as Education Development Research have maintained a high degree of attention in their research on China's education funds. In the past 20 years, China's research on education funds has mainly focused on issues such as education funds, compulsory education, higher education, and education financial system, At the same time, education equity, basic education, rural education and other aspects are also hot spots in this century. The research on education funds in China has gone through three stages: exploration period, development period and vigorous development period, but there are deficiencies in interdisciplinary system, research methods and theoretical innovation. In the future, China's education funding research needs to look at education from the perspective of education, seek cross collaboration in multidisciplinary fields, standardize and improve the empirical research methodology system, and build an academic city-state with Chinese characteristics based on localized education funding practice.
Abstract: Finance is the cornerstone of national governance, and education funding is an important basis for education development. Since the beginning of this century, Chinese scholars have made great progress in the research of education funds, and gradually developed towards professionalism, standardization and cutting-edge. Through bibliometric analysis ...
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