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All Journal Jurnal Studi Manajemen dan Bisnis al-Uqud : Journal of Islamic Economics
Niroula, Ballav
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Deposit Mobilization and Profitability in Nepalese Commercial Banks Gnawali, Bindu; Niroula, Ballav
Jurnal Studi Manajemen dan Bisnis Vol 11, No 1 (2024): Juni
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jsmb.v11i1.27086

Abstract

A commercial bank must be able to receive deposits at reasonable rates to have funds available to lend to its customers. Therefore, if all other variables stay the same, a bank that can attract more deposits will be able to make more profit. The main objective of this research is to show the impact of deposit mobilization on the profitability of Nepalese commercial banks. The secondary panel data from 2015 to 2023 were collected from the annual report of commercial banks using the purposive sampling method. Casual comparative research design has been used to analyze and interpret the data. The collected data were described and analyzed using Ms. Excel and SPSS version 25 software. The findings of the study revealed that there is a significant and positive effect of IRS and IOD on return on assets but inflation has a significant negative effect. Similarly, IRS and IOD have a significant and positive impact on return on assets. However, inflation has a significant negative effect. Interest rate spread and interest on deposits are the major elements of banks to maximize their profitability. 
Upholding Islamic business ethics: Enhancing passenger service satisfaction in bus transportation Fauzi, Qudsi; Ulfah, Ulfah; Wijayanti, Ida; Wardhana , Akhmad Kusuma; Niroula, Ballav
al-Uqud : Journal of Islamic Economics Vol. 8 No. 2 (2024): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v8n2.p287-301

Abstract

Islamic business principles are applicable to traders, ensuring that sales are not merely for profit as a secular objective, but also to attain blessings from Allah SWT. This research seeks to elucidate the Islamic business ethics implemented in a transportation enterprise and their effects on passenger satisfaction. This research employed case study and descriptive exploratory analytic methodologies. Data gathering was conducted through comprehensive interviews. Consequently, data validation is achieved through data triangulation. The findings indicate that bus crews applied four principles of Islamic business ethics. Simultaneously, the principles of honesty (Siddiq) and transparency (tabligh) are not comprehensively adhered to by the bus crew employed by this company. They performed well in terms of duty (amanah) and professionalism (fathonah). The application of Islamic ethics in bus services influences customer pleasure. This research offers numerous practical implications for professionals in the transportation industry.
The Impact of Digitalization on Customer Satisfaction in Nepalese Commercial Banks. Niroula, Ballav
Jurnal Studi Manajemen dan Bisnis Vol 11, No 2 (2024): Desember
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jsmb.v11i2.28612

Abstract

This study aims to analyze the impact of digitalization on customer satisfaction in Nepalese Commercial Banks. The study assesses how each of these variables affects customers' perceptions and satisfaction levels with banking digitalization services. The main objectives of this study are to evaluate the relationship between digital adoptions, mobile engagement, technical infrastructure, and user experience on customer satisfaction, and to analyze the impact of digitalization on customer satisfaction in the context of Nepalese Commercial Banks. The clients of 20 commercial banks are the total population of this study. However, a total of 365 questionnaires were distributed among them only 320 questionnaires were acquired which were sent through Google Forms, and some questionnaires were distributed to the clients of the commercial banks. The research adopts quantitative research as a descriptive and causal-comparative research design, convenience and purposive sampling were used for data collection for a Five-point Likert scale. Data analysis tools included descriptive, correlation, and coefficient of variation. The digital adaptation has the highest mean score, which means digital banking services have made it easier for customers to manage their accounts, and Customers are least satisfied due to mobile engagement. And the customers do not feel secure while using the mobile apps for transactions. As per the correlation, all the variables have a positive correlation with customer satisfaction. Among them, Technical Infrastructure has highly positively correlated and least correlated with Mobile Engagement As per the regression analysis all the variables have a positive impact of digitalization on customer satisfaction since they have a p-value (0.000) which is less than 0.05 level.
Co-Authors Gnawali, Bindu Qudsi Fauzi, Qudsi Shrestha, Banita Ulfah Ulfah Wardhana , Akhmad Kusuma Wijayanti, Ida