IOSR-JEF   Volume-10 ~ Issue-6 ~ Nov. – Dec 2019

Abstract: The phenomenon of increasingly competitive competition between banks in disbursing credit funds to customers requires banks to pay attention to factors that can increase customer loyalty so as not to move to another bank. The purpose of this study was to determine and analyze the influence of interest rates, service quality, reputation on customer switching decisions by intervening customer commitment. This type of research is a quantitative approach, with a sample of 100 respondents. The sampling technique was purposive sampling. The results showed that partially interest rates, service quality and reputation had a positive effect on customer commitment, but partially interest rates, service quality, reputation and commitment had a negative and significant effect on customer switching decisions. The indirect effect shows that commitment can mediate the influence of interest rates, service quality, and bank reputation of PT. Bank Rakyat Indonesia (Persero) Tbk Semarang branch negatively and significantly. This means that if everything is improved supported by customer commitment, the decision to move will decrease.

Keywords: Interest Rates, Service Quality, Reputation, Commitment, Moving Decisions

Abstract: The rationale for this Research work is to establish the relationship between economic growth, external debt and internal debt in Nigeria. Debt has become inevitable phenomenon in Nigeria, despite its oil wealth. This paper therefore is set to investigate the empirical analysis of the impact of external debt and internal debt on economic growth in Nigeria between 1986-2013 through the application of Ordinary least square method to establish a simple relationship between the variables under study, Granger causality test of causation between GDP, external debt and domestic debt, chow break point. the results of Causality test suggest that there is a bi-directional causation between external debt and GDP while no causation existed between domestic debt and GDP as well no causation existed between external debt and domestic debt. Also the chow break point test revealed that there......

Keywords: Internal debt, external debt, GDP, OLS

Abstract: Manufacturing sector remains a critical force in both advanced and developing economies. Globally, production in the manufacturing sectors is estimated by gross value added, and it indicates that this output continues to grow by approximately 2.7 percent every year in advanced economies whereas developing countries experience 7.4 percent growth every year. In Kenya, despite the government's perception that the manufacturing sector would play a critical role in its long term objectives, especially in contributing to economic growth, financial results of listed manufacturing firms have indicated a declining trend in revenues and some companies have issued profit warnings, over the past few years. The general objective of the study was to establish effect of working capital management on profitability of firms listed under manufacturing and Allied sector at Nairobi Securities Exchange, Kenya. The specific objectives were to assess the effect of cash management, inventory management.....

Keywords: Words: Working capital management, profitability, Nairobi Securities Exchange, cash management, inventory management, accounts receivables management and accounts payable management.

Abstract: La definición correcta de cada uno de los conceptos de una ciencia es fundamental para la investigación científica y para la formulación de cualquier teoría científica. Muchas de las definiciones lingüísticas, incluso las de los conceptos básicos de dicha disciplina, no cumplen las condiciones para una buena definición y, por lo tanto, no son correctas1. Por ejemplo, si se define un «fonema» como «un sonido que es capaz de distinguir significados» y se define un «sonido» como «la realización física de un fonema», se están enunciando dos definiciones circulares que son inoperantes y, por tanto, incorrectas. Si el fonema se define como «un conjunto de rasgos distintivos capaces de diferenciar palabras», el problema se disimula, pero no se soluciona, ya que los rasgos distintivos se refieren en definitiva a un conjunto de sonidos; al no especificarse esta circunstancia en la definición, ésta es incompleta y, por tanto, incorrecta. Lo mismo ocurre si se define el «predicado» como «el verbo o sintagma verbal que figura en la oración» y luego se define el verbo» como «la palabra que funciona como predicado.......

Abstract: Call money market was developed in Bangladesh under a challenging environment but it could not develop that much as it was expected to be rather it experienced a higher fluctuations. This paper aims to examine the reasons of why the overnight money market rate (call money rate) changes in Bangladesh using several factors. Here to attain a sound outcome a regression analysis has done where the call money rate is used as a dependent variable and the bank lending rate, deposit rate, share market index, bank Rate, and treasury security rate are used as independent variable. The sample has collected for over the ten (2009-2018) years period. The summarized findings of this paper shows that bank rate and treasury security rate has less enough impact over the call money rate but the other the factors such as bank lending rate , deposit rate and share market index have a significant index over the call money market. The outcome of this paper suggests that if the regulatory authority becomes more concerned about these variable then the fluctuations will come to decrease and a stabilize condition of the market could have a significant contribution over the country's economy.....

Keywords: Call money market, call money rate, bank lending rate, deposit rate, share market index

Abstract: Sustainable development has been formally defined by the World Commission on Environment and Development (WCED) as "Development that meets the needs of the people today without compromising the ability of future generations to meet their own needs". When we talk about needs it is not limited to the basic survival needs but also includes cultural, intellectual and other social needs. The "three pillars" of sustainable development are:.....

Keywords: Sustainable development, WCED, Three pillars: Society, Economy and Environment

Abstract: Therelationshipbetweenthe concept of competencesthroughwhichtheacademyislinkedtotheworkcontextrequires, equally, thatanorganizationalso decides toworkbycompetenciesboth in themeasurement of itscomponents and byresortingtoalltypes of administrativeverificationinstrumentscorrespondstothepsychometric, including, as well as thecombination of theresults of thedifferentmethods of collectingmoderninformation, as they are basedonthepremises and forms of administrativeevaluation, differentfromeachother and complementarytothebenefit of human talent and theircapabilities ......

Abstract: To achieve the optimal real estate investment portfolio diversification benefits in any property market, the dominant diversification portfolio strategy should be adopted. As diversified as the property markets are so are the outcomes of different diversification strategies, hence to understand the most appropriate diversification strategy would require careful scrutiny of the relevant strategies. The study was executed to assess the dominant real estate diversification strategy in South East, Nigeria. Survey method was used in carrying out the study. Thirty one registered estate surveying firms were drawn from a total of sixty six estate Surveying firms located in the study area. Structured questionnaire was used to collect the primary data on the annual rents and capital values of residential and commercial properties from the study area. Mean variance analysis was used in determining the......

Keywords: portfolio diversification, property type diversification, economic specialization diversification, dominant diversification strategy.

Abstract: Promoting financial inclusion is considered as primary strategy in poverty alleviation efforts globally. However, the effectiveness of financial inclusion in achieving poverty free world is fairly inconclusive. This study examines the impact of financial inclusion on poverty in low and lower-middle income countries by employing multivariate OLS and the Ordered Probit Model. The estimation under multivariate OLS model confirms that the improvement in financial inclusion reduces poverty even after controlling for physical and human capital. The results are robust and statistically significant. It reveals that the Financial Inclusion Index (FII) has greater impact on poverty than Adults Account Holding Ratio (ADACC) indicating to policy makers that improving account penetration alone has little impact on poverty reduction. Thus a mixed approach is required for an effective poverty alleviation intervention. In addition, the positive and significant relationship between primary education and poverty signals that the failure of attending primary education at appropriate age induces poverty.......

Keywords: Financial Inclusion, Financial Inclusion Index, Poverty, Poverty Gap, Low income Countries, Lower-middle Income Countries