JOURNAL ARTICLEChangjun Zheng · Md Mohiuddin Chowdhury · Md Abdul Mannan Khan · Anupam Das Gupta
International Journal of Research in Business and Social Science · 2023
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The financial performance of banks relies heavily on properly utilizing their capital. However, bank ownership can have varying effects on the relationship between financial performance and capital. This study delves into this relationship by examining the impact of ownership on financial performance and bank capital. The study analyzes data from 44 commercial banks in Bangladesh and uses a two-step system generalized method of moments to address heteroscedasticity and autocorrelation issues. Unlike previous studies, this study confirms the significant effect of ownership on the relationship between bank financial performance and bank capital. The study's main findings are: (1) an inverted U-shaped relationship exists between bank capital and financial performance, implying that increasing capital can improve and reduce financial performance. (2) Private and Islamic commercial banks perform better than state-owned and conventional banks. (3) private-owned and Islamic commercial banks with higher capital are more likely to achieve higher profitability and financial success, while state-owned and conventional commercial banks with higher capital show lower profitability and weaker financial performance. Overall, this study offers significant practical implications for academics, researchers, and regulators interested in leveraging these findings.
DOI 10.20525/ijrbs.v12i9.29874 Crossref citations4 OpenAlex citations
JOURNAL ARTICLEMd. Nazmul Hasan · Naznine Akter
International Journal of Research in Business and Social Science · 2023
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This paper aims to examine the determinants influencing students' choices of academic majors, with a specific focus on business programs at private universities in Bangladesh. It evaluates the relative impact of various factors including subject interest, perceived prestige of the major, faculty reputation, earning potential, and availability of the major. Additionally, this study seeks to analyze how these determinants align with broader socio-economic and institutional contexts. Employing a hybrid analytics method, the study utilizes both quantitative analysis and factor analysis techniques. A dataset of 276 students from three private universities in Bangladesh was surveyed using a structured questionnaire based on a Likert scale. This data was collected over a period that reflects the current trends and perceptions among students regarding their choice of academic majors. The main findings of the study demonstrate that (i) intrinsic interest in the subject significantly influences major choice, (ii) perceptions of economic outcomes associated with the profession, such as earning potential, play a crucial role, and finally, (iii) institutional factors like faculty reputation and the prestige of the major also significantly impact students' decisions. These findings underscore the complexity of factors that students consider when choosing their academic majors, highlighting the interplay between personal interests, economic considerations, and institutional attributes.
DOI 10.20525/ijrbs.v12i9.30323 Crossref citations3 OpenAlex citations
JOURNAL ARTICLEAtia Ahmed · Kaniz Habiba Afrin · Anima Karmakar · Tamal Chakrobortty
International Journal of Finance & Banking Studies · 2023
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This research examines domestic debt, private sector lending, and economic development in emerging countries, focusing on Bangladesh. This analysis uses 1960–2022 Bangladeshi secondary data, World Bank World Development Indicators and Bangladesh Ministry of Finance economic statistics. Domestic debt and private sector credit affect emerging nations' economic development, according to this study's theoretical approach. This research examines the link between two factors to add to the literature and provide Bangladesh-specific insights. It is quantitative research that examines domestic debt, private sector credit, and economic development using regression analysis and statistical testing. The conclusions aids Bangladesh's economic development policymakers, economists, and stakeholders. Understanding national debt, financing from the private sector, and the advancement of the country's economy helps policymakers manage debt, allocate credit, and set economic policy. The conducted study also improves theoretical understanding of economic development in underdeveloped countries and illuminates Bangladesh's unique conditions. It examined household debt, private sector lending, and Bangladeshi economic development as well as examines the patterns of economic growth in emerging nations to enhance policy debates and broaden knowledge.
DOI 10.20525/ijfbs.v12i2.27961 Crossref citations1 OpenAlex citations
JOURNAL ARTICLEMd. Khaled Bin Amir Amir · Nayeema Nusrat Choudhury
International Journal of Research in Business and Social Science · 2023
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The main objective of this study is to assess the impact of non-performing loans on bank lending behavior before and amid the COVID-19 pandemic. To do this research we have chosen fifteen private commercial banks in Bangladesh and data were taken from the year 2012 to the year 2021. Credit growth as a component of bank lending behavior was selected as the dependent variable and independent variables are non-performing loans to total loans, provision for loan losses to total loans, gross domestic product (GDP) rate, inflation rate, unemployment rate, total loans to total customer deposit, total equity to total asset, tier 1 ratio, growth of customer deposits, the dummy variables are used for incorporating the effect of covid-19. The paper suggests that NPL to total loan, provision for loan losses to total loan, total equity to total asset, and dummy variables (effect of covid-19 on NPL) are found statistically significant and inversely related to credit growth. Another three variables namely total loan to total deposit, deposit growth, and inflation variables are statistically significant and positively related to credit growth. All of the significant variables are consistent with general economic theory except the case for total equity to the total asset. To reduce non-performing loans, the banks may concentrate on improving corporate governance, maintaining strong loan review, thoroughly reviewing the KYC form, must ensure safety principles before approving a loan, collecting information from the CIB, accepting adequate collateral, examining the five C’s, name lending and connected party lending should be strictly prohibited which are quite related with behavioral and judgmental issues, would be a matter of further research.
DOI 10.20525/ijrbs.v12i3.24893 Crossref citations4 OpenAlex citations
JOURNAL ARTICLEMusammat Tahmina Khanom
International Journal of Research in Business and Social Science · 2023
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Today is the era of digitalization. Nowadays, people prefer to attach their lives to social media presence on Facebook, Instagram, Twitter, YouTube, and LinkedIn. Hence, manufacturers and producers use social media tremendously in this digital era to reach customers with their products and services. Thus, social media marketing has become famous for businesses to promote their products or services, engage with their customers, and build brand awareness. The present study focuses on reviewing the mediating role played by several social media platforms to gain the interest of consumers. This paper also aims to analyze the necessity of social media marketing compared to other marketing communication and promotion forms. This paper helps the reader decide whether to depend on social media only for marketing purposes or whether there can be a choice of another means. Without analyzing the pros and cons, relying heavily on social media platforms for marketing is not always a good idea. The author employed a qualitative and descriptive method for constructing the paper. This paper will review the literature regarding social media marketing compared to other means, try to recommend, and shed light on selecting the right marketing platform by different marketers. The study's main findings demonstrate that measures should be taken to enhance responsible use and limit some of its harmful effects. Furthermore, in providing insights into whether social media marketing is a necessity or a choice, the author suggests that productive utilization should be the main priority for all, whether social media or other platforms.
DOI 10.20525/ijrbs.v12i3.250752 Crossref citations75 OpenAlex citations
JOURNAL ARTICLEGazi Md. Shakhawat Hossain · Shihab Kabir Shuvo · Najmul Hasan · Israt Zahan
International Journal of Research in Business and Social Science · 2023
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This study aims to evaluate the impact of human resource management practices (HRMPs) on employee attitudes and behavior (EAB). The population of this study was all employees of cement manufacturing firms (CMC) in the southern region of Bangladesh. Data was gathered using structured questionnaires following convenient sampling technique. The data was analyzed using SPSS-23 statistical package program. A robust and significant linear association between HRMPs and EAB was found. Further, HRM practices, including compensation & rewards (CR) and motivation (MV) were discovered to be dominant predictors of EAB. According to the study, variations in EAB of 77.10% were caused by independent predictors such as recruitment and selection (RS), training and development (TD), performance appraisals (PA), compensation and rewards (CR), motivation (MV), and maintenance (MT) in CMC in the southern part of Bangladesh. Nevertheless, it is apparent from the study's findings that manufacturing organizations that have implemented progressive HRM practices in a systematic and integrated manner are having an enormous influence on EAB. This study only focused on one industry and one type of organizational structure. According to the study, findings should not be extensively generalized. Future research should incorporate other aspects, such as organizational learning and organizational capacity, to construct a new model of HRM practices.
DOI 10.20525/ijrbs.v12i2.23259 Crossref citations15 OpenAlex citations
JOURNAL ARTICLENafisa Rounok · Aimin Qian · Mohammad Ashraful Alam
International Journal of Research in Business and Social Science · 2023
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Whether investors take into account a company's environmental, social, and governance (ESG) issues when making investment decisions (ID), how they interpret corporate reputation (CR) as a result of ESG issues, and whether CR mediates the relationship between ESG issues and ID are the goals of this study. The theory of planned behavior (TPB) and the signaling theory are the bases of the framework. The study was based on a questionnaire survey that received 599 responses from active retail investors in two Bangladeshi cities, Dhaka and Chattagram. The PLS path modeling method was used to analyze the data and test the hypothesis. The empirical findings reveal that corporate ESG issues considerably impact ID and that CR mediates this relationship. This study contributes to behavioral finance by offering empirical proof of the relationship between company ESG issues and investment decisions. By examining the indirect effects of ESG issues on ID via CR, this study contributes to the body of knowledge. It is therefore advised that strategic managers be required to use ESG practices as it builds reputation. At the same time, the government should create public policies, orders, and rules for upholding the ESG issues that contribute to the sustainable development of the capital market and the economy.
DOI 10.20525/ijrbs.v12i2.235413 Crossref citations21 OpenAlex citations
JOURNAL ARTICLERejaul Karim · Md. Mustaqim Roshid · Farjana Bashar Shamme · Md. Mahmud Hasan
International Journal of Finance & Banking Studies · 2023
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This study aims to investigate the association between non-performing loans (NPLs) and the profitability of banks in Bangladesh. The data of twenty-five listed banks for the twelve years spanning from 2010 to 2021 have been analyzed to achieve the research objective. through the use of the ordinary least square (OLS) regression model, we found that the NPL has a negative significant impact on the profitability determined by the return on asset (ROA). In addition, the study revealed that the bank size, which is represented by banks’ total assets, is also inversely related to the profitability of the sample banks used in this research. The study concludes that the stakeholders, particularly the management of the banks, as well as the regulators, should be more cautious about NPLs and should try to lessen the level of NPLs because it can bring devastating results both on the microeconomic as well as on macroeconomic metrics of a developing country like Bangladesh.
DOI 10.20525/ijfbs.v11i4.231415 Crossref citations19 OpenAlex citations