Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2017.00021.2
A. Ibragimov, A. Durmanov
{"title":"Issues of the development of competitiveness and the prospects of specialization in rice farms","authors":"A. Ibragimov, A. Durmanov","doi":"10.5958/2319-1422.2017.00021.2","DOIUrl":"https://doi.org/10.5958/2319-1422.2017.00021.2","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"99 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134488893","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2016.00015.1
R. L. Shinde, R. Chavhan
The Government of India has launched life insurance scheme Pradhan Mantri Jeevan Jyoti Yojana (PMJJBY) for the social security of Indians in the age group of 18–50 years. This article investigates the feasibility of this scheme based on the quantitative comparison of actual premium charged and expected premium rates for Indian population for each age year in the age group of 18–50 years. We have evaluated expected premium for all ages based on two life tables for Indian population. The nature of the scheme and social security of people to be achieved through PMJJBY is demonstrated based on some actuarial computations. Statistical analysis is presented based on recent available data of number of insured and claim received under this scheme.
{"title":"Social security life insurance scheme Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): Actuarial insight based on Indian mortality","authors":"R. L. Shinde, R. Chavhan","doi":"10.5958/2319-1422.2016.00015.1","DOIUrl":"https://doi.org/10.5958/2319-1422.2016.00015.1","url":null,"abstract":"The Government of India has launched life insurance scheme Pradhan Mantri Jeevan Jyoti Yojana (PMJJBY) for the social security of Indians in the age group of 18–50 years. This article investigates the feasibility of this scheme based on the quantitative comparison of actual premium charged and expected premium rates for Indian population for each age year in the age group of 18–50 years. We have evaluated expected premium for all ages based on two life tables for Indian population. The nature of the scheme and social security of people to be achieved through PMJJBY is demonstrated based on some actuarial computations. Statistical analysis is presented based on recent available data of number of insured and claim received under this scheme.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132517742","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2021.00022.9
Iyafekhe Christian, V. Imagbe
{"title":"Board attributes and the likelihood of financial statement fraud in quoted firms in Nigeria","authors":"Iyafekhe Christian, V. Imagbe","doi":"10.5958/2319-1422.2021.00022.9","DOIUrl":"https://doi.org/10.5958/2319-1422.2021.00022.9","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"102 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130393396","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2020.00039.9
Umarov Zafar Absamatovich
{"title":"Overdraft credit in commercial banks and its accounting","authors":"Umarov Zafar Absamatovich","doi":"10.5958/2319-1422.2020.00039.9","DOIUrl":"https://doi.org/10.5958/2319-1422.2020.00039.9","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121035931","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2021.00026.6
Ukarin Isaac, Agharese Joy Uhunmwenma
{"title":"Forensic accounting and financial malpractices: A conceptual review","authors":"Ukarin Isaac, Agharese Joy Uhunmwenma","doi":"10.5958/2319-1422.2021.00026.6","DOIUrl":"https://doi.org/10.5958/2319-1422.2021.00026.6","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"49 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125105588","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2018.00003.6
Srinivas Madishetti
The study is a comparison based on performance of TwoMajor Banksof TanzaniaNMB bank with major ownership of Europeans and CRDB Bank with major ownership of Tanzanians applying t-test to investigate any significant difference between selectCAMEL ratios.The study reveals that there is a significance difference between the performances of both the banks in all the CAMEL ratios applied except Return On Assets (ROA). The NMB bank‟s performance in Capital Adequacy Ratio(CAR), Non Performance Assets ratio(NPA) and Net Interest Margin ratio(NIM) comparatively appears to be better whereas the CRDB Bank performance was comparatively higher in Operating Expenses Ratio(OER), Loan Deposit Ratio(LDR) and Return On Assets with lower variability. It signals that CRDB management is concentrating on efficient functioning of the bank as its OER is comparative lower and its LDR is higher indicating effective use of deposits to increase its ROA instead of concentrating on comparative lower performance in Capital adequacy, Asset quality (NPA) and volume of business (NIM). As against this, NMB Bank is concentrating maintaining higher capital adequacy, asset quality and higher NIM instead of efficiency in use of its resources both human and financial. This may be due to differences in ownership structures and also managerial variability. Both need to improve their performance learning each other‟s experience.
{"title":"Ownership structure and financial performance of commercial banks: a comparative study of Twomajor banks in Tanzania","authors":"Srinivas Madishetti","doi":"10.5958/2319-1422.2018.00003.6","DOIUrl":"https://doi.org/10.5958/2319-1422.2018.00003.6","url":null,"abstract":"The study is a comparison based on performance of TwoMajor Banksof TanzaniaNMB bank with major ownership of Europeans and CRDB Bank with major ownership of Tanzanians applying t-test to investigate any significant difference between selectCAMEL ratios.The study reveals that there is a significance difference between the performances of both the banks in all the CAMEL ratios applied except Return On Assets (ROA). The NMB bank‟s performance in Capital Adequacy Ratio(CAR), Non Performance Assets ratio(NPA) and Net Interest Margin ratio(NIM) comparatively appears to be better whereas the CRDB Bank performance was comparatively higher in Operating Expenses Ratio(OER), Loan Deposit Ratio(LDR) and Return On Assets with lower variability. It signals that CRDB management is concentrating on efficient functioning of the bank as its OER is comparative lower and its LDR is higher indicating effective use of deposits to increase its ROA instead of concentrating on comparative lower performance in Capital adequacy, Asset quality (NPA) and volume of business (NIM). As against this, NMB Bank is concentrating maintaining higher capital adequacy, asset quality and higher NIM instead of efficiency in use of its resources both human and financial. This may be due to differences in ownership structures and also managerial variability. Both need to improve their performance learning each other‟s experience.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"230 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128619676","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2018.00007.3
Manvir Kaur
An effort has been made to evaluate the impact of crisis on non-performing assets of Public Sector Banks. Secondary data were used in the present study. The secondary data to non-performing assets from 2001–02 to 2011–12 were collected from various issues of RBI Bulletins. The results mainly indicate that Public Sector Banks have high ratio of nonperforming assets in agriculture Sector due to their primary obligation to lend this sector. The impact of crisis was seen in all Public Sector Banks where the non-performing assets were decreased significantly in the pre-crisis period but was increased at higher rate in Allahabad Bank. The government has realized the importance of management and control of NPAs and in that light introduced legislation through the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (the SARFAESI Act), to institutionalize the process of creating value for investors in the Non-Performing Asset Portfolios of banks and financial institutions. During the pre-crisis period level of NPAs were low but during post crisis period level of NPAs increase in all public Sector Banks. But the impact of crisis was seen in SBI, SBOP, Central Bank of India, Indian Overseas Bank, Vijaya Bank and PNB. Information collected through field survey and secondary data was also used and analysed with different statistical tools simple regression and step wise multiple regression.
{"title":"Trend of NPAs in public sector Banks: A study of pre and post crisis period","authors":"Manvir Kaur","doi":"10.5958/2319-1422.2018.00007.3","DOIUrl":"https://doi.org/10.5958/2319-1422.2018.00007.3","url":null,"abstract":"An effort has been made to evaluate the impact of crisis on non-performing assets of Public Sector Banks. Secondary data were used in the present study. The secondary data to non-performing assets from 2001–02 to 2011–12 were collected from various issues of RBI Bulletins. The results mainly indicate that Public Sector Banks have high ratio of nonperforming assets in agriculture Sector due to their primary obligation to lend this sector. The impact of crisis was seen in all Public Sector Banks where the non-performing assets were decreased significantly in the pre-crisis period but was increased at higher rate in Allahabad Bank. The government has realized the importance of management and control of NPAs and in that light introduced legislation through the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (the SARFAESI Act), to institutionalize the process of creating value for investors in the Non-Performing Asset Portfolios of banks and financial institutions. During the pre-crisis period level of NPAs were low but during post crisis period level of NPAs increase in all public Sector Banks. But the impact of crisis was seen in SBI, SBOP, Central Bank of India, Indian Overseas Bank, Vijaya Bank and PNB. Information collected through field survey and secondary data was also used and analysed with different statistical tools simple regression and step wise multiple regression.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"48 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126168961","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2020.00003.x
T. Rajesh, A. Dileep
{"title":"An evaluatory study performance of pacs in financial inclusion","authors":"T. Rajesh, A. Dileep","doi":"10.5958/2319-1422.2020.00003.x","DOIUrl":"https://doi.org/10.5958/2319-1422.2020.00003.x","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"77 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126280054","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/2319-1422.2021.00037.0
M. Naik, K. Puttanna
{"title":"“Customer relationship management: A scale for measuring profitability and performance of regional rural banks”","authors":"M. Naik, K. Puttanna","doi":"10.5958/2319-1422.2021.00037.0","DOIUrl":"https://doi.org/10.5958/2319-1422.2021.00037.0","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126356054","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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