Factors Influencing Adoption of Interest Free Banking Products and Services in Ethiopia

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Publisher : GRIN Verlag
ISBN 13 : 3346385760
Total Pages : 82 pages
Book Rating : 4.3/5 (463 download)

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Book Synopsis Factors Influencing Adoption of Interest Free Banking Products and Services in Ethiopia by : Beyan Kedir

Download or read book Factors Influencing Adoption of Interest Free Banking Products and Services in Ethiopia written by Beyan Kedir and published by GRIN Verlag. This book was released on 2021-04-13 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main objective of this study is to identify the major factors influencing the adoption of Interest free banking products and services among customers in Bale Robe town. The research employs decomposed theory of planned behavior to investigate the influence of customer’s behavior towards adoption of interest-free banking product and services by using customers attitude attribute social influence and perceived behavioral control. Both qualitative and quantitative research approach were applied in the study. The target populations were 13050 customers of four banks in Robe town and the total sample size were 388. A purposive sampling technique was applied. Primary and secondary data were used with five point liker scales to collect data from respondents. Both descriptive and inferential statistics analysis were employed to analyze the data. Interest free banking is inseparable of Islamic economics which aimed at realization of a greater justice in human endeavor, which is achievable only with participation of all human institution inclusive of financial system. On the principle that prohibits interest and other unethical and non shariah compliant activities, Islamic banking set to achieve this gigantic objective. In addition, it strive on increasing all Halal aspect of business through provision of products and services base on shariah principle with implementation of legitimate profit and loss sharing, paying Zakah, prohibition of interest, monopoly and other forms of unethical trade and transaction such as dealing with pork, alcohol and gambling. Hence, Islamic banking method of financing and or products structure is based on the tract to redress the inherent injustice tied with interest based dealing.

Implementation of interest free banking services in Ethiopia. The mediating role of customer involvement

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Publisher : GRIN Verlag
ISBN 13 : 3346037371
Total Pages : 164 pages
Book Rating : 4.3/5 (46 download)

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Book Synopsis Implementation of interest free banking services in Ethiopia. The mediating role of customer involvement by : Nobel Aragaw

Download or read book Implementation of interest free banking services in Ethiopia. The mediating role of customer involvement written by Nobel Aragaw and published by GRIN Verlag. This book was released on 2019-10-16 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2019 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 3,5, Addis Ababa University (Addis Ababa University), course: MBA, language: English, abstract: This paper presents major factors affecting the implementation of interest free banking services among customers in recognizing factors that need consideration in implimenting IFB service in Commercial Bank of Ethiopia, Addis Ababa, Ethiopia. It suggests the importance for bank providers to understand factors influencing implementation of IFB service, customers’ preference and view from the customers’ perspective, in order to attract and retain customers, as well as leop forward. The empirical evidence shows that interest free banking have rapidly spreading and developing across the world. But almost half of Ethiopian banking commercial industry out of eithteen banks has commenced interest free banking service within less than three years while some others banks are also showed initiation to commence it.

Factors Affecting the Implementation of Interest Free Banking (IFB). The Case of Selected Commercial Bank in Jimma District

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Publisher : GRIN Verlag
ISBN 13 : 3346863328
Total Pages : 59 pages
Book Rating : 4.3/5 (468 download)

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Book Synopsis Factors Affecting the Implementation of Interest Free Banking (IFB). The Case of Selected Commercial Bank in Jimma District by : Kero Gano

Download or read book Factors Affecting the Implementation of Interest Free Banking (IFB). The Case of Selected Commercial Bank in Jimma District written by Kero Gano and published by GRIN Verlag. This book was released on 2023-04-28 with total page 59 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2023 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The general objective of this study is to assess the factor affecting the implementation of IFB banking service in Ethiopia particular reference to CBE, OIB, and OCB and Awash bank of Jimma district in Jimma city. The study will be employed descriptive research design based on the survey and the data collected. The study will use both primary and secondary data which are quantitative and qualitative in its nature and will have been collected through structured and semi structured questioner and interview .a total of 423 sample respondents will be taken through multistage sampling. Of the total sample interest free banking customer and staff of the bank constitute 381 and 42 respectively, the data will be analyzed using descriptive statics of percentage, tabulation, frequency and mean.

Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia

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Publisher : GRIN Verlag
ISBN 13 : 3346123812
Total Pages : 68 pages
Book Rating : 4.3/5 (461 download)

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Book Synopsis Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia by : Mequanint Zeleke

Download or read book Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia written by Mequanint Zeleke and published by GRIN Verlag. This book was released on 2020-03-02 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (undergraduate) from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: This study is attempted to examine factors affecting non -performing loan of development bank of Ethiopia. The main objective is to examine the factors affecting nonperforming loans in DBE central region. After problem identification, research hypothesis was developed which inquires the relationship and effect of non-performing loans on development bank of Ethiopia. Both secondary and primary data were used in the research. The data is then analyzed using descriptive, correlation and regression techniques through SPSS and Stata software program. The findings of the study revealed that gross domestic product has a positive impact on the occurrence of non-performing loans while other model variables unemployment, inflation rate and exchange rate have no impact on the occurrence of non-performing loan in which negatively affect non-performing loan. according to my study result. Also the result of the primary data indicated that in regarding about customer's specific causes, the result showed that credit culture of customers, lack of business knowledge, delayed approval, profit of the business, business location were determinants of non-performing loan while bank specific factors include poor credit assessment, poor customer selection, aggressive lending policy, borrowers culture, credit size affected non-performing loan.

The Global Findex Database 2017

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Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 148 pages
Book Rating : 4.4/5 (648 download)

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Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt

Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance

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Publisher : International Monetary Fund
ISBN 13 : 1589063953
Total Pages : 35 pages
Book Rating : 4.5/5 (89 download)

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Book Synopsis Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance by : El Bachir Boukherouaa

Download or read book Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance written by El Bachir Boukherouaa and published by International Monetary Fund. This book was released on 2021-10-22 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.

Islamic Finance in the Global Economy

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Publisher : Edinburgh University Press
ISBN 13 : 0748696474
Total Pages : 288 pages
Book Rating : 4.7/5 (486 download)

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Book Synopsis Islamic Finance in the Global Economy by : Ibrahim Warde

Download or read book Islamic Finance in the Global Economy written by Ibrahim Warde and published by Edinburgh University Press. This book was released on 2014-03-11 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: A second edition of Islamic Finance in the Global Economy, substantially revised and updated to take into account the recent developments in the field.

Islamic Finance

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Publisher : OUP Oxford
ISBN 13 : 0191630896
Total Pages : 470 pages
Book Rating : 4.1/5 (916 download)

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Book Synopsis Islamic Finance by : David Eisenberg

Download or read book Islamic Finance written by David Eisenberg and published by OUP Oxford. This book was released on 2012-03-22 with total page 470 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work is a practical and commercial guide to the fundamental principles of Islamic finance and their application to Islamic finance transactions. Islamic finance is a rapidly expanding, global industry and this book is designed to provide a practical treatment of the subject. It includes discussion and analysis of the negotiation and structure involved in Islamic finance transactions, with relevant case studies, structure diagrams and precedent material supporting the commentary throughout. An introductory section describes the theoretical background and explains the principles (and their sources) of Islamic law which underpin Islamic finance practices, providing an important backdrop to the work as a whole. The work also considers the role of Shariah supervisory boards, Islamic financial institutions and the relevance of accounting approaches. The work adopts an international perspective to reflect the pan-global nature of the industry and accepted practices, with the aim to bring together different schools of thought applied in international Islamic finance transactions. It also highlights any regional differences in accepted practice by reviewing the position in the Gulf states, Asia, the UK and Europe and the USA. The second part of the book concentrates on Islamic financial law in practice and begins with a section on financial techniques. This section explains the basic requirements for Islamic finance contracts both in terms of the underlying asset types and also both the applicability and acceptability of the underlying asset. There is a full discussion of the various types of contractual models such as Mudaraba (trustee finance), Musharaka (partnership or joint venture), Murabaha (sale of goods), and Sukuk (participation securities: coupons etc). The nascent area of Takaful (insurance) is also covered as are matters specific to the important field of project and asset finance.

Awareness of Islamic banking products and services among non-Muslim students in selected northern universities of Malaysia

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Author :
Publisher : GRIN Verlag
ISBN 13 : 3668358761
Total Pages : 116 pages
Book Rating : 4.6/5 (683 download)

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Book Synopsis Awareness of Islamic banking products and services among non-Muslim students in selected northern universities of Malaysia by : Abdifatah Mohamed Musse

Download or read book Awareness of Islamic banking products and services among non-Muslim students in selected northern universities of Malaysia written by Abdifatah Mohamed Musse and published by GRIN Verlag. This book was released on 2016-12-07 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2015 in the subject Economics - Finance, grade: 98%, , course: Islamic Finance and Banking, language: English, abstract: Islamic financial industry has shown positive growth that attracts many investors and clients worldwide. Malaysia, one of the pioneer members of this emerging industry, is also experiencing notable development in operating more than seventeen Islamic banking institutions. However, non-Muslim clients experience difficulties when it comes to understanding the overall system, principles, features, and sophisticated Arabic terms that Islamic banks use. The purpose of this research is to examine the level of awareness, understanding, and perceptions of non-Muslims in selected northern universities of Malaysia towards Islamic banking products and services. In addition, this study also aims to investigate if there are any demographic factors that influence the awareness, understanding, and perceptions of Islamic Banking products and services among non-Muslim students in selected universities. The result shows that the vast majority of respondents are generally aware of Islamic banking products and services. Nevertheless, the result also indicates that non-Muslim students do not have enough knowledge and understanding of Arabic terms that Islamic Banks use in their products and services. The study found that there is a significant relationship between understanding and awareness. Furthermore, the results showed that there is no significant relationship between perception and awareness. Moreover, the study found that demographic factors such as age, religion, and level of education show significant differences among respondents, while gender shows no significant difference among the respondents. This study contributes to the available literature on the Islamic banking Industry in general while imparting managerial aspects through its recommendations. It suggests that Islamic banking managers should take all necessary steps to adopt marketing policies and other endeavors in order to make sure that all clients of Islamic banks should have a maximum awareness, understanding and positive perception towards the products and services of Islamic banking.

Regulation and Supervision of Islamic Banks

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Publisher : International Monetary Fund
ISBN 13 : 1484303865
Total Pages : 33 pages
Book Rating : 4.4/5 (843 download)

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Book Synopsis Regulation and Supervision of Islamic Banks by : Aledjandro Lopez Mejia

Download or read book Regulation and Supervision of Islamic Banks written by Aledjandro Lopez Mejia and published by International Monetary Fund. This book was released on 2014-12-12 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper aims at developing a better understanding of Islamic banking (IB) and providing policy recommendations to enhance the supervision of Islamic banks (IBs). It points out and discusses similarities and differences of IBs with conventional banks (CBs) and reviews whether the IBs are more stable than CBs. Given the risks faced by IBs, the paper concludes that they need a legal, corporate and regulatory framework as much as CB does. The paper also argues that it is important to ensure operational independence of the supervisory agency, which has to be supported by adequate resources, a sound legal framework, a well designed governance structure, and robust accountability practices.

Islamic Banking Regulation and Supervision

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Publisher : International Monetary Fund
ISBN 13 : 1498319270
Total Pages : 42 pages
Book Rating : 4.4/5 (983 download)

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Book Synopsis Islamic Banking Regulation and Supervision by : Mr.In Song

Download or read book Islamic Banking Regulation and Supervision written by Mr.In Song and published by International Monetary Fund. This book was released on 2014-12-12 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: The growing presence of Islamic banking needs to be accompanied by the development of effective regulation and supervision. This paper examines the results of the survey conducted by the International Monetary Fund to document international experiences and country practices related to legal and prudential frameworks governing Islamic banking activities. Although a number of countries have made considerable progress in creating legal, regulatory, and supervisory frameworks that accommodate Islamic banking, there are substantial differences. This paper also identifies a number of challenges faced by regulatory and supervisory agencies regarding Islamic banking.

Adoption of Electronic Banking in Ghana Banking System

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Publisher : GRIN Verlag
ISBN 13 : 3656850046
Total Pages : 53 pages
Book Rating : 4.6/5 (568 download)

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Book Synopsis Adoption of Electronic Banking in Ghana Banking System by : Dr. David Ackah

Download or read book Adoption of Electronic Banking in Ghana Banking System written by Dr. David Ackah and published by GRIN Verlag. This book was released on 2014-11-28 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2014 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: A, ( Atlantic International University ) (School of Business and Economics), course: Ph.D. Economics, language: English, abstract: Electronic banking (e-banking) has brought about a revolution in the functioning of banks as it offers major opportunities to banks and their customers. This has made the transition to electronic banking a necessity for banks in order to be viable. Despite its benefits, developing countries still lag behind in the adoption of electronic banking. This study therefore seeks to examine the adoption of e-banking in the Ghanaian banking industry with Guaranty Trust Bank Ghana Limited (GTBank) as the case study to identify the benefits, challenges and critical success factors for the adoption of e-banking in the Ghanaian banking industry. The research made use of questionnaires and interviews to collect data from staff and customers of GTBank. The results of the study indicated that e-banking adoption was a business strategy taken by the bank in response to customer needs and the changing marketing trends in the banking industry. The benefits, challenges and critical success factors of e-banking are also identified and discussed. From the study it is obvious that tremendous benefitssuch as revenue generation, improvement in productivity and efficiency in service delivery and cost savings were derived from e-banking. The lack of a solid technology infrastructure was identified as a major challenge of e-banking adoption in the country. The study however revealed that there is a promising future for e-banking in Ghana.Some recommendations to enhance the adoption of e banking in country are made based on this study.

Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch

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Publisher : GRIN Verlag
ISBN 13 : 3668856346
Total Pages : 18 pages
Book Rating : 4.6/5 (688 download)

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Book Synopsis Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch by : Mekuanint Abera Timbula

Download or read book Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch written by Mekuanint Abera Timbula and published by GRIN Verlag. This book was released on 2018-12-19 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: Literature Review from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, Jimma University College of Agriculture and Veterinary Medicine, language: English, abstract: The study was focused on the assessment of credit provision mechanism of development bank of Ethiopia Arbiminch branch. To do so the researcher was used both primary and secondary data, among the primary data interview and questionnaire was used. Secondary data like development bank of Ethiopia Arbaminch branch credit manual, books and other documents was used. The study paper addresses an introductory statement of problem from total population of credit customers of development bank of Ethiopia Arbiminch branch by taking 100 samples through judgmental sampling. The collected data was analyzed and presented using descriptive analysis technique like tables percentages, pie chart, bar graphs. Finally based on findings the possible conclusion and recommendation was developed. The findings of the study indicated that the bank‘s lending procedure has a problem. Such as long processing time, limited loan amount, repetition of documents during renewal, time taking and misunderstanding with the customer as well as the problem on determine the value of collateral security. Key words: Development Bank, credit, Ethiopia

Banking in Africa

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Publisher :
ISBN 13 : 9789286144950
Total Pages : pages
Book Rating : 4.1/5 (449 download)

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Book Synopsis Banking in Africa by :

Download or read book Banking in Africa written by and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: In its fifth edition, this report focuses on recent developments in Africa's banking sectors and the policy options for all stakeholders. The study of banking sectors across all African sub-regions includes the results of the EIB survey of banking groups operating in Africa. Three thematic chapters address challenges and opportunities for financing investment in Africa: - Investing sustainably in Africa's cities; - Mobilising agricultural value chain financing in Africa: why and how; - Remittances and financial sector development in Africa.

Banking in Africa: Delivering on Financial Inclusion, Supporting Financial Stability

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Author :
Publisher : European Investment Bank
ISBN 13 : 9286138482
Total Pages : 297 pages
Book Rating : 4.2/5 (861 download)

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Book Synopsis Banking in Africa: Delivering on Financial Inclusion, Supporting Financial Stability by : European Investment Bank

Download or read book Banking in Africa: Delivering on Financial Inclusion, Supporting Financial Stability written by European Investment Bank and published by European Investment Bank. This book was released on 2018-11-21 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: In its fourth edition, this report focuses on recent developments in Africa's banking sectors and the policy options for all stakeholders. The study of banking sectors across all African sub-regions includes the results of the EIB survey of banking groups operating in Africa. Three thematic chapters address challenges and opportunities for financing investment in Africa: Crowding out of private sector lending by public debt issuance The state of bank recovery and resolution laws in Africa Policy options on how to finance infrastructure development. The report finds that in many African banking markets, the last two years saw a pause in financial deepening. However, a rising share of banking groups report improving market conditions and plan a structural expansion of their operations in Africa and a continued push for new technologies.

Islamic Finance

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Author :
Publisher : International Monetary Fund
ISBN 13 : 1498325033
Total Pages : 38 pages
Book Rating : 4.4/5 (983 download)

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Book Synopsis Islamic Finance by : Mr.Alfred Kammer

Download or read book Islamic Finance written by Mr.Alfred Kammer and published by International Monetary Fund. This book was released on 2015-04-06 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: The SDN discusses the main policy issues and challenges in building an inclusive and safe Islamic finance industry, with emphasis on Islamic banking and Sukuk markets. To this end, it discuses why Islamic finance matters, taking into account its recent and prospective growth; and, its potential contributions in terms of financial inclusion, support for small- and medium-sized enterprises and investment in public infrastructure and, in principle, reduced systemic risk. It then covers a range of regulatory and other challenges, and offers policy advice, to address factors that hamper the development of the industry and, more generally, the delivery of its potential benefits. The paper covers regulatory and supervisory issues, safety nets and resolution frameworks, access to finance, Sukuk markets, and macroeconomic policies.

Internet Banking in Estonia

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Author :
Publisher : PRAXIS
ISBN 13 :
Total Pages : 29 pages
Book Rating : 4./5 ( download)

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Book Synopsis Internet Banking in Estonia by : Katri Kerem

Download or read book Internet Banking in Estonia written by Katri Kerem and published by PRAXIS. This book was released on 2003 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: