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Effectiveness of Islamic Microfinance in Alleviating Poverty: Empirical Evidence from Bangladesh Md. Nur Nobi, Md. Arif Billah, Asaduzzaman Shohel & Tani

Effectiveness of Islamic Microfinance in Alleviating Poverty: Empirical Evidence from Bangladesh

Author (s)

Md. Nur Nobi, Md. Arif Billah, Asaduzzaman Shohel & Tani

Abstract

­

Islamic Micro – finance (IMFc) is an evolving technique to empower the deprived and needy population. The present study was intended to investigate the effect of the IMFc on the resources of individuals borrowing from an Islamic microfinance institution and their poverty status. The prime intention of this paper is to justify the effect of IFMc for poverty alleviation. The study reveals that IMFc programs have introduced a positive result on significant numbers of poor. Islamic microfinance has significant impacts on income, savings and expenditure levels of the household. The analysis shows that in general, the Islamic micro finance is an instrument that can help to accumulate savings and income and finally assist to alleviate their poverty. But still it is not only the instrument that can alleviate poverty but it is the vital component that can help to the poor people for standard living levels. Our analysis shows that after taking Islamic finance there is a significant change in the respondents’ income savings and expenditures.

 Keywords: Islamic Finance, Poverty Alleviation, Microcredit, Poverty, NGO, Bangladesh, Islamic Microfinance, Income Level, Islamic Banking, Socio Economic Development, Rural Development.

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Title: Effectiveness of Islamic Microfinance in Alleviating Poverty: Empirical Evidence from Bangladesh
Author: Md. Nur Nobi, Md. Arif Billah, Asaduzzaman Shohel & Tani
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.4485794
Media: Online
Volume: 5
Issue: 4
Acceptance Date: 27/01/2021
Date of Publication: 01/02/2021
PDF URL: https://ijsab.com/wp-content/uploads/701.pdf
Free download: Available
Page: 1-10
First Page: 1
Last Page: 10
Paper Type: Research Paper
Current Status: Published

 

Cite This Article:

Md. Nur Nobi, Md. Arif Billah, Asaduzzaman Shohel, & Tani (2021). Effectiveness of Islamic Microfinance in Alleviating Poverty: Empirical Evidence from Bangladesh. International Journal of Science and Business, 5(4), 1-10. doi: https://doi.org/ 10.5281/zenodo.4485794

Retrieved from https://ijsab.com/wp-content/uploads/701.pdf

 

About Author (s)

Md. Nur Nobi, (corresponding author), PhD Research Fellow, Faculty of Finance and Administrative Sciences, Al-Madinah International University, Malaysia. ORCID ID: orcid.org/0000-0003-1477-6347, Email: mdnurnobihub28@gmail.com.

 Md. Arif Billah, Assistant Professor of Economics, Department of Qur’anic Sciences, International Islamic University Chittagong, Bangladesh. Email: abillah55@yahoo.com.

 Asaduzzaman Shohel, BBA in Marketing & Supply Chain Management, International Islamic University Chittagong, Bangladesh. Email: shohel151463@gmail.com.

 Tani, Bachelor of Social Sciences (BSS), Department of Public Administration, Jagannath University, Bangladesh. Email:  jnu.tani2580@gmail.com.

 

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DOI: https://doi.org/10.5281/zenodo.4485794

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Exploring the Impacts of Electricity Consumption and Financial Development on Urbanization Mehedi Hasan, Md. Obidul Haque, Saddam Hossain, & Md. Ahsan Habib

Exploring the Impacts of Electricity Consumption and Financial Development on Urbanization

Author (s)

Mehedi Hasan, Md. Obidul Haque, Saddam Hossain, & Md. Ahsan Habib

Abstract

­

This paper proposes to make a contribution to the existing literature through examining the impacts of electricity consumption and financial development on urbanization in Bangladesh during 1974-2014 by employing modern econometric techniques. We conduct dynamic nexus among financial development, electricity consumption, and urbanization by utilizing ARDL technique. The ARDL technique is employed to find dynamics among variables and to check the long run connection. This analysis performed the unit root problem through the ADF test where variables are I(0). Long-term associations are found by checking the bound test. Both electricity consumption and financial development are significant to affect urbanization. The long-run elasticities are higher impacts on urbanization than the short-run elasticities. Also, various diagnostic tests are made such as serial correlation, heteroscedasticity, normality. To evaluate the parameter stability, we execute the CUSUM test and CUSUM square. The results confirmed that there is no structural break in the economy. The paper provides some policy recommendations based on the results.

 Keywords: Financial Development, Urbanization, Bangladesh, ARDL Bound test

 

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Title:

Exploring the Impacts of Electricity Consumption and Financial Development on Urbanization

Author: Mehedi Hasan, Md. Obidul Haque, Saddam Hossain, & Md. Ahsan Habib
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.4409651
Media: Online
Volume: 5
Issue: 1
Acceptance Date: 14/12/2020
Date of Publication: 02/01/2021
PDF URL: https://ijsab.com/wp-content/uploads/657.pdf
Free download: Available
Page: 82-91
First Page: 82
Last Page: 91
Paper Type: Research Paper
Current Status: Published

 

Cite This Article:

Mehedi Hasan, Md. Obidul Haque, Saddam Hossain, & Md. Ahsan Habib (2021). Exploring the Impacts of Electricity Consumption and Financial Development on Urbanization. International Journal of Science and Business, 5(1), 82-91. doi: https://doi.org/10.5281/zenodo.4409651

Retrieved from https://ijsab.com/wp-content/uploads/657.pdf

 

 

About Author (s)

Mehedi Hasan, M.Sc., Department of Economics, Jahangirnagar University, Savar, Dhaka-1342, Bangladesh

Md. Obidul Haque (Corresponding Author), M.Sc., Department of Economics, Jahangirnagar University, Savar, Dhaka-1342, Bangladesh

Saddam Hossain, M.Sc., Department of Economics, Jahangirnagar University, Savar, Dhaka-1342, Bangladesh

Md. Ahsan Habib, M.Sc., Department of Economics, Jahangirnagar University, Savar, Dhaka-1342, Bangladesh

 

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DOI: https://doi.org/10.5281/zenodo.4409651

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Moving Towards the Socially Responsible Banking Through Green Banking Initiative: An Investigation on IBBL Mousumi Sultana

Moving Towards the Socially Responsible Banking Through Green Banking Initiative: An Investigation on IBBL

Author (s)

Mousumi Sultana

Abstract

Bangladesh is one of the climate change endangered countries in the world, having numerous disasters around the year due to its geographical location, low lying landscape, and a high amount of carbon emission. To overcome the adverse climate change impact, Bangladesh bank has directed all the banks sincerely and thoughtfully to adopt green banking practices for the betterment of the country. In particular, Green banking aims to choose environment-friendly banking practices for all banks and sustainable financing for its clients. The ground of the paper is to encourage green banking practice and explore its potentials in commercial banks where Islami Bank Bangladesh Ltd. (IBBL) is considered as an instance. The analysis of the paper is based on secondary data sources. In the data collection process, the last five consecutive years’ published data of IBBL’s green banking disclosure were taken into account. The study’s objective is to measure how effectively IBBL is performing its green banking obligation by analyzing and comparing each year’s value to the subsequent year. For the data analysis, the author has used MS Excel and a simple growth rate model. The study found a positive growth rate in direct green investment and CRF utilization of IBBL. However, the growth of the green marketing, awareness program and the bank’s utility consumption appeared with a negative growth rate. The study also resulted in IBBL’s inconsistent growth in waste management and renewable energy management. The overall performance of the green banking practice of IBBL for 2014 to 2018 was good. Therefore, it is expected that the banks will focus more on green banking issues to attain socially responsible banking to reduce environmental degradation.

Keywords: Green Banking, Socially Responsible Banking, Green Investment, IBBL, Bangladesh.

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Title: Moving Towards the Socially Responsible Banking Through Green Banking Initiative: An Investigation on IBBL
Author: Mousumi Sultana
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.4293181
Media: Online
Volume: 4
Issue: 8
Acceptance Date: 25/11/2020
Date of Publication: 27/08/2020
PDF URL: https://ijsab.com/wp-content/uploads/585.pdf
Free download: Available
Page: 146-153
First Page: 146
Last Page: 153
Paper Type: Research Paper
Current Status: Published

 

Cite This Article:

Mousumi Sultana (2020). Moving Towards the Socially Responsible Banking Through Green Banking Initiative: An Investigation on IBBL. International Journal of Science and Business, 4(8), 146-153. doi: https://doi.org/10.5281/zenodo.4293181

Retrieved from https://ijsab.com/wp-content/uploads/585.pdf

 

About Author (s)

Mousumi Sultana, Lecturer, Department of Business Administration, Varenra University, Rajshahi-6204, Bangladesh. E-mail: mou.mousumisultana@gmail.com.

 

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DOI: https://doi.org/10.5281/zenodo.4293181

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Exploring the Impact of Environmental Degradation on Life Expectancy in Bangladesh: An ARDL Bounds test Approach Saddam Hossain, Mt. Ayesha Siddika, Israt Jahan Koly & Khaleda Akter

Exploring the Impact of Environmental Degradation on Life Expectancy in Bangladesh: An ARDL Bounds test Approach

Author (s)

Saddam Hossain, Mt. Ayesha Siddika, Israt Jahan Koly & Khaleda Akter

Abstract

Environmental degradation affects the health status of many people all over the world. Bangladesh is one of the most polluted countries, and every year 96,000 children died before reaching their fifth birthday because of environmental pollution. The present study has attempted to explore the pollution effect on the life expectancy of Bangladesh by analyzing the annual data from 1974 to 2014. The study has relied on the ARDL bounds test for checking the long-run association that can allow the admixture of I(0) and I(1) series (but inapplicable for I(2) series). The study scrutinized the unit root problems by running the widely used Augmented Dickey-Fuller (ADF) test. Besides, other essential tests associated with the ARDL, like the normality test, serial correlation test, heteroskedasticity test, model specification test, and parameter stability test were also performed. The study found a significant negative impact of environmental degradation on life expectancy both in the short- and long-run. Therefore, the study suggests the proper implementation of environmental protection laws and regulations.

 Keywords: Environmental degradation, life expectancy, Bangladesh, ARDL bounds test.

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Title: Exploring the Impact of Environmental Degradation on Life Expectancy in Bangladesh: An ARDL Bounds test Approach
Author: Saddam Hossain, Mt. Ayesha Siddika, Israt Jahan Koly & Khaleda Akter
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.4266173
Media: Online
Volume: 4
Issue: 12
Acceptance Date: 06/11/2020
Date of Publication: 10/11/2020
PDF URL: https://ijsab.com/wp-content/uploads/626.pdf
Free download: Available
Page: 69-79
First Page: 69
Last Page: 79
Paper Type: Research Paper
Current Status: Published

 

Cite This Article:

Saddam Hossain, Mt. Ayesha Siddika, Israt Jahan Koly & Khaleda Akter (2020). Exploring the Impact of Environmental Degradation on Life Expectancy in Bangladesh: An ARDL Bounds test Approach. International Journal of Science and Business, 4(12), 69-79. doi: https://doi.org/10.5281/zenodo.4266173

Retrieved from https://ijsab.com/wp-content/uploads/626.pdf

 

About Author (s)

Saddam Hossain, M. SC., Department of Economics, Jahangirnagar University, Savar, Dhaka-1342, Bangladesh.Email: khaleda.nur.econju@gamil.com

Mt. Ayesha Siddika, MSS student, Department of Economics, Bangabandhu Sheikh Mujibur Rahman Science and Technology University, Gopalganj-8100, Bangladesh.

Israt Jahan Koly, MSS student, Department of Economics, Bangabandhu Sheikh Mujibur Rahman Science and Technology University, Gopalganj-8100, Bangladesh.

Khaleda Akter (corresponding author), Lecturer, Department of Economics, Pabna University of Science and Technology, Pabna-6600, Bangladesh.

 

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DOI: https://doi.org/10.5281/zenodo.4266173

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Association between Interest Rate Changes and Profitability of Commercial Banks of Bangladesh Samia Nur Jui, Rokibul Hasan Sakib & Md. Abu Rafsan

Association between Interest Rate Changes and Profitability of Commercial Banks of Bangladesh

Author (s)

Samia  Nur Jui, Rokibul Hasan Sakib & Md. Abu Rafsan

Abstract

Commercial banks play a crucial role in the context of modern business world. Being financial intermediaries, banks effectively contributes to the economic growth of our country. The relationship between changing interest rates and its impact on bank’s profitability has become a sensitive fact of having paramount importance. A comprehensive study has been conducted by using 5 consecutive years’ data (2014-2018) of all the 30 listed commercial banks of Bangladesh. The secondary data was collected from annual reports of corresponding commercial banks. This study represents the association and effect of interest rate changes on bank’s profitability. It also shows empirical charts, graphs regarding analyzing data and communicating results. This report has been divided into seven chapters for the convenience of preparation. Descriptive analysis, linear regression analysis, multivariate analysis, analysis of variance, correlation analysis, multicollinearity test and durbin-watson test have been carried out to establish and explain the relationship between stated two facts. It is derived from the study that change in Interest rate has significant impact on the profitability of commercial banks. Interest rate spread positively impact the profitability measures of the study (ROE, ROA, and NIM).

 Keywords: Interest rate change, Profitability, Bank rate, Commercial banks, Bangladesh.

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Title: Association between Interest Rate Changes and Profitability of Commercial Banks of Bangladesh
Author: Samia  Nur Jui, Rokibul Hasan Sakib & Md. Abu Rafsan
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.3965681
Media: Online
Volume: 4
Issue: 9
Acceptance Date: 28/07/2020
Date of Publication: 29/07/2020
PDF URL: https://ijsab.com/wp-content/uploads/587.pdf
Free download: Available
Page: 17-37
First Page: 17
Last Page: 37
Paper Type: Research Paper
Current Status: Published

Cite This Article:

Samia  Nur Jui, Rokibul Hasan Sakib & Md. Abu Rafsan (2020). Association between Interest Rate Changes and Profitability of Commercial Banks of Bangladesh. International Journal of Science and Business, 4(9), 17-37. doi: https://doi.org/10.5281/zenodo.3965681

Retrieved from https://ijsab.com/wp-content/uploads/587.pdf

 

About Author (s)

Samia  Nur Jui, Post graduate student, Department of Accounting & information Systems, University of Dhaka, Dhaka-1000, Bangladesh.

Rokibul Hasan Sakib (corresponding author), Post graduate student, Department of Accounting & information Systems, University of Dhaka, Dhaka-1000, Bangladesh.

Md. Abu Rafsan, Post graduate student, Department of Accounting & information Systems, University of Dhaka, Dhaka-1000, Bangladesh.

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DOI: https://doi.org/10.5281/zenodo.3965681

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Determinants of Profitability of Commercial Banks in Bangladesh Rokibul Hasan Sakib and Dewan Azmal Hossain

Determinants of Profitability of Commercial Banks in Bangladesh

Author (s)

Rokibul Hasan Sakib and Dewan Azmal Hossain

Abstract

This report focuses on the determinants of profitability of 30 DSE listed Commercial banks of Bangladesh from 2010 to 2017. The analysis part of this paper includes multiple regressions to determine impact of significant variables on profitability. The findings of this paper suggests that the net interest margin ratio (NIM), Asset size (LOGA), the ratio of operating expense (OPEX) are significant against the dependent variable called Return on Equity (ROE). Interest income is main source of income for banks. The finding suggests that if asset size increases, return on equity (ROE) will decrease and if operating expense ratio increases, return on equity decreases.  Additional analysis is done in return on assets (ROA) and return on operating assets (ROOA) to justify whether the results meet with the main analysis.  The findings of this study suggest that commercial banks should be more careful while giving loans with diversified portfolio maintenance.

 Keywords: Determinants, profitability, portfolio, performance, Commercial banks, Bangladesh.

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Title: Determinants of Profitability of Commercial Banks in Bangladesh
Author: Rokibul Hasan Sakib and Dewan Azmal Hossain
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.3965656
Media: Online
Volume: 4
Issue: 9
Acceptance Date: 26/07/2020
Date of Publication: 29/07/2020
PDF URL: https://ijsab.com/wp-content/uploads/586.pdf
Free download: Available
Page: 1-16
First Page: 1
Last Page: 16
Paper Type: Research Paper
Current Status: Published

Cite This Article:

Rokibul Hasan Sakib and  Dewan Azmal Hossain (2020). Determinants of Profitability of Commercial Banks in Bangladesh. International Journal of Science and Business, 4(9), 1-16. doi: https://doi.org/10.5281/zenodo.3965656

Retrieved from https://ijsab.com/wp-content/uploads/586.pdf

 

About Author (s)

Rokibul Hasan Sakib (Corresponding author), Post graduate student, Department of            Accounting & information Systems, University of Dhaka, Dhaka-1000, Bangladesh

 Dewan Azmal Hossain, Department of Accounting & Information Systems, University of   Dhaka, Dhaka-1000, Bangladesh. ORCID iD: https://orcid.org/0000-0002-2311-6941

 

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DOI: https://doi.org/10.5281/zenodo.3965656

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Revisiting Sustainability Disclosure in Annual Reports and Websites: An Empirical Examination from the Banking Industry of Bangladesh Dewan Azmal Hossain

Revisiting Sustainability Disclosure in Annual Reports and Websites:

An Empirical Examination from the Banking Industry of Bangladesh

Author (s)

Dewan Azmal Hossain

Abstract

The aim of this study is to determine the current scenario of the disclosure of sustainability in the annual reports and websites of the listed banks in Bangladesh. In this study, the financial year 2019 has been selected (most current at the time of conducting this study) to examine the changes in various aspects of sustainability disclosure over the period of time. It is found that banks disclosed more information in annual reports compared to that of corporate websites.  Based on average sentences disclosed, Human Resource Development disclosure is the highest, and Energy consumption and savings related disclosure is the lowest compare to other items disclosed. Based on average sentences disclosed, third-generation banks disclosed more information compared to first and second-generation banks, and conventional banks with Islamic windows disclosed more information compared to sharia-based Islamic banks and interest-based commercial banks. This study also develops a theoretical framework to explain the results.

 Keywords: Sustainability disclosure, annual reports, websites, Banking Industry, Bangladesh, GRI.

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Title: Revisiting Sustainability Disclosure in Annual Reports and Websites: An Empirical Examination from the Banking Industry of Bangladesh
Author: Dewan Azmal Hossain
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.3963740
Media: Online
Volume: 4
Issue: 8
Acceptance Date: 26/07/2020
Date of Publication: 28/07/2020
PDF URL: https://ijsab.com/wp-content/uploads/581.pdf
Free download: Available
Page: 76-91
First Page: 76
Last Page: 91
Paper Type: Research Paper
Current Status: Published

Cite This Article:

Dewan Azmal Hossain (2020). Revisiting Sustainability Disclosure in Annual Reports and Websites:  An Empirical Examination from the Banking Industry of Bangladesh. International Journal of Science and Business, 4(8), 76-91. doi: https://doi.org/10.5281/zenodo.3963740

Retrieved from https://ijsab.com/wp-content/uploads/581.pdf

 

About Author (s)

Dewan Azmal Hossain, Department of Accounting & Information Systems, University of Dhaka, Dhaka-1000, Bangladesh.

ORCID iD: https://orcid.org/0000-0002-2311-6941

 

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DOI: https://doi.org/10.5281/zenodo.3963740

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Working Capital Management and Firm Performance of Companies in Pharmaceuticals & Chemicals Industry of Bangladesh Maliha Rabeta

Working Capital Management and Firm Performance of Companies in Pharmaceuticals & Chemicals Industry of Bangladesh

Author (s)

Maliha Rabeta

Abstract

This study has been initiated as an effort to understand working capital management practices of firms in the Pharmaceuticals and Chemicals Industry in Bangladesh. It has focused on relationship between the working capital variables and firm performance using panel data consisting of a sample of 31 firms from the Pharmaceuticals and Chemicals industry for a period of 19 years from 2000 to 2018. Various types of statistical tools such as mean, median, quartile analysis, graphs and charts and regression analysis have been used for the analyses. Fixed Effect model regression has been used based on the output of the Hausman Test. For testing the relationship between a firm’s profitability and its norms of working capital management, regression has been run considering Basic Earning Power as a dependent variable and current ratio, the cash conversion cycle, quick ratio, inventory conversion period, payable deferral period, days sales outstanding as explanatory variables. The cash cycle has a negative impact on the basic earning power which signifies that, as the cycle grows bigger the core profitability of the business reduces. The same applies for holding inventory for a longer period as it reduces core profitability. As the time to collect payment for sales increases, the core profitability of a business decreases. As companies age, they enjoy learning effects and become more efficient so positive relationship with core profitability exists. The major findings hence indicate that working capital is found to have significant impact on core profitability of firms in Pharmaceuticals and Chemicals industry.

 Keywords: Working capital, Basic earning power, Cash conversion cycle, Days Sales outstanding, Inventory conversion period, Pharmaceuticals, Chemicals, Bangladesh.

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Title: Working Capital Management and Firm Performance of Companies in Pharmaceuticals & Chemicals Industry of Bangladesh
Author: Maliha Rabeta
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.3959157
Media: Online
Volume: 4
Issue: 8
Acceptance Date: 19/07/2020
Date of Publication: 24/07/2020
PDF URL: https://ijsab.com/wp-content/uploads/580.pdf
Free download: Available
Page: 40-75
First Page: 40
Last Page: 75
Paper Type: Research Paper
Current Status: Published

Cite This Article:

Maliha Rabeta (2020). Working Capital Management and Firm Performance of Companies in Pharmaceuticals & Chemicals Industry of Bangladesh. International Journal of Science and Business, 4(8), 40-75. doi: https://doi.org/10.5281/zenodo.3959157

Retrieved from https://ijsab.com/wp-content/uploads/580.pdf

 

About Author (s)

Maliha Rabeta, MBA, Department of Finance, Faculty of Business Studies, University of Dhaka, Bangladesh.

 

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DOI: https://doi.org/10.5281/zenodo.3959157

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Factors Affecting the Service Taker’s Satisfaction towards the Service Quality of Banks: A survey of clients in the northern region of Bangladesh Hiren Chandra Mahonta & Tarannum Islam

Factors Affecting the Service Taker’s Satisfaction towards the Service Quality of Banks: A survey of clients in the northern region of Bangladesh

Author (s)

Hiren Chandra Mahonta & Tarannum Islam

Abstract

The main purpose of the study was to identify factors that affect service taker’s satisfaction with various banks in the northern region of Bangladesh. Both primary and secondary sources were explored for data collection. Necessary data were collected from 200 respondents. A structured questionnaire with 5 point Likert scale had been used to collect data. Data had been analyzed by using SPSS software. Different statistical tools were used which were compatible with our research such as reliability analysis, Frequency Distribution, Cross-tabulation, Multiple Regression Analysis, Hypothesis Testing, and Factor Analysis. The findings of the study revealed the most important factors that affect the service taker’s satisfaction. The study suggested that there was a strong effect of independent variables on the dependent variable. Unstandardized coefficients indicated how much the dependent variable (Service taker’s satisfaction) varies with the independent variable (15 factors) when all other independent variables are held constant. Thus alternative hypothesis was accepted and the null hypothesis was rejected. The study was based on the relatively small sample size (200) from the northern region of Bangladesh, which may not reflect the whole scenario of Bangladesh. The results of the study will be helpful to the bank authority and other stakeholders to determine customer demand and also help to formulate better policies to satisfy existing customers and attract the new customer.

 

Keywords: Service Taker’s Satisfaction, Service Quality, financial institution, banks,  Bangladesh.

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Title: Factors Affecting the Service Taker’s Satisfaction towards the Service Quality of Banks: A survey of clients in the northern region of Bangladesh
Author: Hiren Chandra Mahonta & Tarannum Islam
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.3940109
Media: Online
Volume: 4
Issue: 8
Acceptance Date: 10/07/2020
Date of Publication: 11/07/2020
PDF URL: https://ijsab.com/wp-content/uploads/576.pdf
Free download: Available
Page: 1-12
First Page: 1
Last Page: 12
Paper Type: Research Paper
Current Status: Published

Cite This Article:

Hiren Chandra Mahonta & Tarannum Islam (2020). Factors Affecting the Service Taker’s Satisfaction towards the Service Quality of Banks: A survey of clients in the northern region of Bangladesh. International Journal of Science and Business, 4(8), 1-12. doi: https://doi.org/ 10.5281/zenodo.3940109

Retrieved from https://ijsab.com/wp-content/uploads/576.pdf

 

About Author (s)

Hiren Chandra Mahonta, MBA in Marketing, Hajee Mohammad Danesh Science and Technology University (HSTU), Dinajpur, Bangladesh.

Tarannum Islam (corresponding author), Lecturer, Department of Marketing, Hajee Mohammad Danesh Science and Technology University (HSTU), Dinajpur, Bangladesh.

 

 

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DOI: https://doi.org/10.5281/zenodo.3940109

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Working Capital Management and Firm Profitability in the Textile Industry of Bangladesh Muhammad Matin Khan, Md. Ismail Hossain Shagor, Abu Kalam & Md. Sojib Ahmed

Working Capital Management and Firm Profitability in the Textile Industry of Bangladesh

Author (s)

Muhammad Matin Khan, Md. Ismail Hossain Shagor, Abu Kalam  & Md. Sojib Ahmed

Abstract

This paper has been conducted to examine the connection between working capital management measured and profitability performance is measured. The study is conducted based on secondary data from annual reports of respective textile firms listed in DSE and DSE monthly reviews. From 2000 to 2018. The objective of the study is to find out the working capital devoted to the firms registered in the Dhaka stock exchange and find the connection of their performance and working capital capitalized in registered textile firms in DSE. To address this panel data, besides ratio and quartile study, Hausman test, variance inflation test, and fixed effect regression was done for testing all the hypotheses and the study result shows the inverse association with age and payment deferred period but a positive association with fixed asset turnover, cash conversion cycle, days sales outstanding, inventory conversion period, sponsor shareholdings and total assets. It also suggests to produce an effective policy must be produced for each company for each component of working capital. Besides, well-organized management and financing of working capital can upsurge the operating profit of a textile firm. Shorter cash conversion cycle, days sales outstanding, and the inventory conversion period can increase firms’ profit. These are some practical examples of working capital management.

 

Keywords: Working Capital Management, Firm Performance, Firm profitability, Textile Industry, Bangladesh.

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Title: Working Capital Management and Firm Profitability in the Textile Industry of Bangladesh
Author: Muhammad Matin Khan, Md. Ismail Hossain Shagor, Abu Kalam  & Md. Sojib Ahmed
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.3935735
Media: Online
Volume: 4
Issue: 7
Acceptance Date: 05/07/2020
Date of Publication: 08/07/2020
PDF URL: https://ijsab.com/wp-content/uploads/573.pdf
Free download: Available
Page: 118-127
First Page: 118
Last Page: 127
Paper Type: Research Paper
Current Status: Published

Cite This Article:

Muhammad Matin Khan, Md. Ismail Hossain Shagor & Abu Kalam (2020). Working Capital Management and Firm Profitability in the Textile Industry of Bangladesh. International Journal of Science and Business, 4(7), 118-127. doi: https://doi.org/ 10.5281/zenodo.3935735

Retrieved from https://ijsab.com/wp-content/uploads/573.pdf

 

 

About Author (s)

Muhammad Matin Khan (corresponding author) MBA, Department of Finance, University of Dhaka, Bangladesh.

Md. Ismail Hossain Shagor, MBA, Department of Finance, University of Dhaka, Bangladesh.

Abu Kalam, MBA, Department of Finance, University of Dhaka, Bangladesh.

Md. Sojib Ahmed, MBA, Department of Finance, University of Dhaka, Bangladesh.

 

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DOI: https://doi.org/10.5281/zenodo.3935735

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Consumer Behavior in Selecting Mobile Phones in the Context of Bangladesh Syeeda Raisa Maliha, Md. Tafsir Alam & Mustafa Nizamul Aziz

Consumer Behavior in Selecting Mobile Phones in the Context of Bangladesh

Author (s)

Syeeda Raisa Maliha, Md. Tafsir Alam & Mustafa Nizamul Aziz

Abstract

The behavior of consumers regarding smartphones is more and more a center of marketing research. Especially, consumer behavior in the case of the smartphone industry, from selection motivation to after use behavior has become a center of research in marketing. The outcomes of this study confirm that the regulatory focus has an impact on consumer behavior regarding smartphone procure decisions by controlling their perception, rationale, and lifestyle. For consumers’ smartphones have become crucial parts of life. This study is to analyze factors that affect a consumer’s decision in buying a smartphone. The study also emphasizes consumer points of view for smartphones and the impact brand name has on consumers. The current growth of smartphone usage is a noticeable fact that goes across all gender and age divides. Hence, this study exhibits a quantitative analysis of some of the key factors that affect consumer’s viewpoints and behaviors regarding smartphone purchases.

 

Keywords: Mobile phones, smartphones, consumer behavior, Bangladesh, smartphone industry.

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Title: Consumer Behavior in Selecting Mobile Phones in the Context of Bangladesh
Author: Syeeda Raisa Maliha, Md. Tafsir Alam & Mustafa Nizamul Aziz
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.3921991
Media: Online
Volume: 4
Issue: 7
Acceptance Date: 28/06/2020
Date of Publication: 29/06/2020
PDF URL: https://ijsab.com/wp-content/uploads/571.pdf
Free download: Available
Page: 91-99
First Page: 91
Last Page: 99
Paper Type: Research Paper
Current Status: Published

Cite This Article:

Syeeda Raisa Maliha, Md. Tafsir Alam & Mustafa Nizamul Aziz (2020). Consumer Behavior in Selecting Mobile Phones in the Context of Bangladesh. International Journal of Science and Business, 4(7), 91-99. doi: https://doi.org/10.5281/zenodo.3921991

Retrieved from https://ijsab.com/wp-content/uploads/571.pdf

 

About Author (s)

Syeeda Raisa Maliha (Corresponding Author), East West University, Dhaka, Bangladesh.

Md. Tafsir Alam, East West University, Dhaka, Bangladesh.

Mustafa Nizamul Aziz, Senior Lecturer, East West University, Dhaka, Bangladesh.

 

 

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DOI: https://doi.org/10.5281/zenodo.3921991

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Competitiveness of Bangladeshi Ready Made Garments Industry in global Market Md Kamal Hossain

  Competitiveness of Bangladeshi Ready Made Garments Industry in global Market

Author (s)

Md Kamal Hossain

Abstract

Core objective of this paper is to prepare a model on competitiveness for garments sector of Bangladesh by using the theory of Porters domestic competitive advantage. This study also shows how this industry can sustain as a part of a global competitive marketplace by using various internal elements of competitive advantage. Depending on the significant research characteristics qualitative method has been used as a research method for this study. 22 personnel were interviewed who were closely related with this industry over cell phone to collect large part of secondary data.  This paper will provide necessary evidence on how internal elements can be helpful for apparel sector becomes more competitive towards global garments trade. This paper also will help the management to find more other important factors that can help this sector to remain competitive at global trade. Moreover it also can help responsible government body by realizing all problems or possibilities exists in this industry and practice appropriate approach in the development of the garments industry of Bangladesh.

Keywords: Bangladesh, competitiveness, readymade garments, Michael Porter’s model, internal competitive advantage.

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Title: Competitiveness of Bangladeshi Ready Made Garments Industry in global Market
Author:

Md Kamal Hossain

Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.3865899
Media: Online
Volume: 4
Issue: 6
Acceptance Date: 20/05/2020
Date of Publication: 30/05/2020
PDF URL: https://ijsab.com/wp-content/uploads/551.pdf
Free download: Available
Page: 1-18
First Page: 1
Last Page: 18
Paper Type: Research Paper
Current Status: Published

Cite This Article:

Md Kamal Hossain (2020). Competitiveness of Bangladeshi Ready Made Garments Industry in global Market. International Journal of Science and Business, 4(6), 1-18. doi: https://doi.org/10.5281/zenodo.3865899

Retrieved from https://ijsab.com/wp-content/uploads/551.pdf

 

About Author (s)

Md Kamal Hossain, Masters of Economics, University of International Business and Economics (UIBE), China.

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DOI: https://doi.org/10.5281/zenodo.3865899