The Impact of Income Sources Diversification on Bank Performance PDF Download
Are you looking for read ebook online? Search for your book and save it on your Kindle device, PC, phones or tablets. Download The Impact of Income Sources Diversification on Bank Performance PDF full book. Access full book title The Impact of Income Sources Diversification on Bank Performance by Mudesir Kasim. Download full books in PDF and EPUB format.
Author: Mudesir Kasim
Publisher: GRIN Verlag
ISBN: 3346117871
Category : Business & Economics
Languages : en
Pages : 68
Get Book Here
Book Description
Master's Thesis from the year 2016 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 3.5, , language: English, abstract: The general objective of this study is to investigate the impact of income source diversification on financial performance of commercial banks in Ethiopia. Commercial banks in Ethiopia are currently facing competition from non-bank institutions entry into the activities which was in the past only role of banks. Therefore, banks started searching new income sources rather than focusing only traditional inter-mediation income generating activities. Thus, this study was to examine the impact of income sources diversification on bank performance in case of some selected commercial banks in Ethiopia by using panel data over the period 2010-2015. The study used secondary data collected mainly from each sampled banks annual report financial statements. Since the data is secondary in nature, quantitative approach was adopted. This data was analyzed by using STATA version 12 and Microsoft Excel. Fixed effect model was used, since this model is preferred than the random effect model based on the hausman specification test. Return on asset (ROA) was used as dependent variable while income diversification (Div) as independent variable with control variables such as bank size (BS) in terms of total assets, equity/ assets ratio (EAR), loan/asset ratio (LAR) and expense/income ratio (Exp). The findings of the study show that the level of diversification has a positive impact on financial performance of Ethiopian commercial banks. In addition, the study also revealed that EAR, LAR and BS had positive impact on financial performance while Exp had negative impact. The results of the study are important for bankers to understand how income diversification affects the performance of banks. Therefore, the study recommended that banks should diversify their sources of income into interest and non-interest as well as reduce operating expense in effective way, so as to enhance their performance (ROA).
Author: Mudesir Kasim
Publisher: GRIN Verlag
ISBN: 3346117871
Category : Business & Economics
Languages : en
Pages : 68
Get Book Here
Book Description
Master's Thesis from the year 2016 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 3.5, , language: English, abstract: The general objective of this study is to investigate the impact of income source diversification on financial performance of commercial banks in Ethiopia. Commercial banks in Ethiopia are currently facing competition from non-bank institutions entry into the activities which was in the past only role of banks. Therefore, banks started searching new income sources rather than focusing only traditional inter-mediation income generating activities. Thus, this study was to examine the impact of income sources diversification on bank performance in case of some selected commercial banks in Ethiopia by using panel data over the period 2010-2015. The study used secondary data collected mainly from each sampled banks annual report financial statements. Since the data is secondary in nature, quantitative approach was adopted. This data was analyzed by using STATA version 12 and Microsoft Excel. Fixed effect model was used, since this model is preferred than the random effect model based on the hausman specification test. Return on asset (ROA) was used as dependent variable while income diversification (Div) as independent variable with control variables such as bank size (BS) in terms of total assets, equity/ assets ratio (EAR), loan/asset ratio (LAR) and expense/income ratio (Exp). The findings of the study show that the level of diversification has a positive impact on financial performance of Ethiopian commercial banks. In addition, the study also revealed that EAR, LAR and BS had positive impact on financial performance while Exp had negative impact. The results of the study are important for bankers to understand how income diversification affects the performance of banks. Therefore, the study recommended that banks should diversify their sources of income into interest and non-interest as well as reduce operating expense in effective way, so as to enhance their performance (ROA).
Author: Lire Ersado
Publisher: World Bank Publications
ISBN:
Category : Income
Languages : en
Pages : 28
Get Book Here
Book Description
"The author examines, taking into account the urban-rural divides, the changes and welfare implications of income diversification in Zimbabwe following macroeconomic policy changes and droughts of the early 1990s. Data from two comparable national income, consumption and expenditure surveys in 1990-91 and 1995-96, which straddled a period of economic volatility and natural disasters, show that the percentage of households earning income from private and informal sources grew considerably, while that from government and formal sources declined in the aftermath of the drought and policy changes. The author finds that, in general, rural households tend to have a more diversified portfolio of income compared with their urban counterparts, and the degree of diversification decreases with the level of urbanization. However, there are important differences in the level of diversification within the rural and urban areas depending on wealth: While the relatively better-off households have a more diversified income base in rural areas, it is the poor who pursue multiple income sources in urban areas. A decomposition of changes in welfare indicates that the total contribution of income diversification is large and increased between 1990-91 and 1995-96 in both urban and rural areas. On the other hand, there were significant declines in returns to human and physical capital assets during the same period. The findings suggest that households with a more diversified income base are better able to withstand the unfavorable impacts of the policy and weather shocks. The fact that relatively better-off households have a more diversified income base following the shocks implies that the poor are more vulnerable to economic changes unaccompanied by well-designed safety nets. "--World Bank web site.
Author: Göran Djurfeldt
Publisher: CABI
ISBN: 1845937163
Category : Technology & Engineering
Languages : en
Pages : 396
Get Book Here
Book Description
This book investigates how the changed agricultural policy climate affected government policies in the nine countries studied already as part of the preceding project: Ethiopia, Ghana, Kenya, Malawi, Mozambique, Nigeria, Tanzania, Uganda and Zambia. By repeating the cross-sectional survey made in over 100 villages in 2002 and converting it into a panel, it is possible to trace village- and household-level effects of agricultural policies and other macro-level processes. The book consists of 14 chapters most of which revolve around studies on each of the nine case study countries.
Author: Moshe Arye Milevsky
Publisher: Financial Times/Prentice Hall
ISBN: 9780133115291
Category : Business & Economics
Languages : en
Pages : 0
Get Book Here
Book Description
You must be aware of the value, potential return and risk of your own human capital (your job, career and what you do for a living as opposed to stocks and bonds or other investment choices) as well as financial capital and investments to plan a secure future. Human capital is the most valuable asset that you will own over your lifecycle. You need to balance all financial decisions with the characteristics of your human capital. The key trends identified in the first edition of the book namely, the decline of Defined Benefit (DB) pension provision, the continued increase in human longevity and the risk of personal inflation, are as relevant today as they were five years ago. The financial crisis has taught us that all types of capital - human, financial and even social - are key to a secure financial future. If your career has "stock-like" growth and risk characteristics, Milevsky helps you balance your "portfolio" by tilting investments towards safer "bonds." If your job is more secure but offers lower financial upside, you'll learn to tilt your investments towards stocks that compensate for your lower earning potential. Either way, Milevsky shows you how to integrate investments, insurance, annuities, and retirement plans to generate the safe and reliable income you'll need. This Edition's updates include: New 2012 data, charts, figures, and references More coverage of incorporating "human capital" into financial planning Advice reflecting the aftermath of the financial crisis Easier, more usable techniques, and less math!
Author: Martha Golensky
Publisher: Oxford University Press
ISBN: 0190097868
Category : Business & Economics
Languages : en
Pages : 393
Get Book Here
Book Description
Nonprofit organizations need smart, informed managers. This comprehensive introductory textbook aims to expose students to the range of responsibilities expected from modern nonprofit organizations and their boards, executive management, frontline staff, and community volunteers. Section 1 focuses on the characteristics of a nonprofit organization, with an explanation of the specific attributes of both charitable and member-serving nonprofits. It considers the historical development of the nonprofit sector as a whole and of the human services subsector in particular, culminating with a review of the political and economic climate in which nonprofits operate. Section 2 considers theories of leadership. The multiple roles of the nonprofit professional leader are delineated, to recognize that the same person may serve as manager and administrator, motivated by different priorities when functioning in each capacity. Ethical issues are also considered, along with the theoretical and practical aspects of decision-making, and the relationship between organizational culture and organizational change. Sections 3 and 4 address the specific skills of the nonprofit leader involved in securing material resources and managing human resources, respectively. The book concludes with a focus on the role of volunteers and the need for organizations to provide them good experiences if they want volunteers to keep coming back. Featuring an extended case study, this book is a useful guide for students and professionals new to the workplace on topics such as successfully managing change, strengthening programs, nurturing a dynamic board of directors, diversifying revenues, and building a strong, committed staff and volunteer corps.
Author: Suresh Babu
Publisher: CRC Press
ISBN: 9781560222576
Category : Business & Economics
Languages : en
Pages : 512
Get Book Here
Book Description
Gain new insight on alleviating food insecurity in one of the poorest areas of the world! This book analyzes various facets of economic reforms in South Asia and their implications for attaining food security. It illuminates relevant issues regarding the constraints and challenges in achieving food security, focusing on South Asian countries where a large percentage of the world’s poor reside. This timely resource examines possible future courses of action involving trade and new technological advances to improve agriculture-led development in the region. Economic Reforms and Food Security: The Impact of Trade and Technology in South Asia focuses its attention on the economic reforms and experiences of six nations: Bangladesh Bhutan India Nepal Pakistan Sri Lanka Economic Reforms and Food Security: The Impact of Trade and Technology in South Asia includes the most relevant presentations made at the South Asia Regional Conference held in New Delhi in April of 2002. The book features experts who present lively, important debate on such significant issues as: current economic reforms—have they really enhanced food security? trade liberalization—can the WTO and new trade opportunities handle food security concerns? new technological options—how they contribute to agricultural production and food security the challenges of water—pricing, subsidies, and other issues in irrigation agricultural diversification and market reforms-how they increase food availability interventions in food and nutrition security—short-term solutions to reduce food insecurity and more! Economic Reforms and Food Security: The Impact of Trade and Technology in South Asia contains numerous tables and figures to demonstrate the current food situation in this area of the world and offers projections of where improvements can be made. Students and faculty of economics or South Asia will find this book extremely useful; it will also benefit development researchers, policymakers, and governmental officials who are searching for answers to poverty and starvation in developing countries. This text shows you how a concerted effort by governments, agencies, organizations, industries, and individuals—backed by adequate resources and changes in policies—can accelerate progress toward achieving sustainable food security for all.
Author: Frank Ellis
Publisher: Oxford University Press
ISBN: 9780198296966
Category : Business & Economics
Languages : en
Pages : 300
Get Book Here
Book Description
Rural families in developing countries make a living by engaging in diverse activities. These range from farming, to rural trade, to migration to distant cities and even abroad. This book explores the implications of rural livelihood diversity for key topics in development studies and for poverty reduction policies. The livelihoods approach is gaining momentum, and this is the first book to set it out in detail.
Author:
Publisher:
ISBN:
Category : Computer network resources
Languages : en
Pages : 300
Get Book Here
Book Description
Author: Banji Oyelaran-Oyeyinka
Publisher: Routledge
ISBN: 1000573435
Category : Business & Economics
Languages : en
Pages : 152
Get Book Here
Book Description
Economic diversification entails a shift away from a single income source toward multiple income sources from an increasing spectrum of sectors and markets. A persistent concern for some Asian and African economies is their reliance on commodity exports and how they are exposed to the risk of export volatility and income instability. The Covid-19 pandemic and previous oil crashes have demonstrated the adverse impact on such economies. This book provides a systemic analysis of sustainable economic development through economic diversification. The book analyzes diversification and development experiences from comparative perspectives of Asia and Africa. It also investigates determinants of export diversification differentiated by commodities-dependence versus manufactured products and looks at the roles of various institutions and governance of institutions in export diversification. This book will provide policy insights into how different degrees of specialisation in exports across countries have affected outcomes in terms of living standards, economic growth and employment.
Author: D. J. Watson
Publisher: ILRI (aka ILCA and ILRAD)
ISBN: 9291462101
Category : Herders
Languages : en
Pages : 43
Get Book Here
Book Description
