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All Journal Jurnal Studi Manajemen dan Bisnis al-Uqud : Journal of Islamic Economics Akuntansi : Jurnal Akuntansi Integratif Airlangga Journal of Innovation Management Indonesian Business Review
Niroula, Ballav
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education 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.
Factors Affecting the Liquidity Risk of Commercial Banks in Nepal Niroula, Ballav; Gnawali, Bindu
Indonesian Business Review Vol 7 No 1 (2024): Indonesian Business Review
Publisher : Universitas Prasetiya Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/ibr.7.1.43-51

Abstract

Level liquidity is an important factor that helps the growth and survival of commercial banks. This research aims to show the factor affecting the liquidity risk of commercial banks in Nepal. The panel data were used to analyze and find the results from the period 2017 to 2021. Secondary data are collected from the annual report of commercial banks. Banks’ internal factors bank size, capital adequacy ratios, non-performing loans, return on assets, return on equity, and external factor gross domestic product was used as independent variables. The dependent variable of the research is the liquidity ratio. A descriptive research design has been used to explain the data. A convenient sampling technique was used to select the 16 commercial banks as a sample from the population of 26 banks. Various statistical methods are used to describe the data and to find the result from the 80 observations. The result shows that there is a significant and negative relationship between bank size and non – performing loans with the liquidity of commercial banks in Nepal, but GDP, ROA, and ROE have significant positive effects on liquidity. To maintain the liquidity level commercial banks, need to minimize the non – performing loans. It is crucial to take into account the size of the bank, the nature of the crisis, the regulatory environment, the interconnection of the financial sector, market perception, and contagion risk when large banks have a negative impact on liquidity. Knowing these elements will make it easier to find suitable answers to the liquidity issue and lessen the effects it has on the larger financial system.
Information Asymmetry Effect on Stock Liquidity Effect on Dividend Payout in Market Microstructure in Indonesia Singh, Sanju Kumar; Christiana, Nova; Upadhyay, Jitendra Prasad; Niroula, Ballav; Sitanggang, Eva Rianty Angelina
Airlangga Journal of Innovation Management Vol. 5 No. 3 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i3.55951

Abstract

The impact of market microstructure in shaping corporate governance has been distinguished in several previous research. Market Microstructure becomes prominent factor in emerging markets. This study tested the effect of market microstructure, in the scheme of stock liquidity, on dividend payouts. This study has set focus mainly on the impact of stock liquidity on the corporate payout policy. Later, the researcher examined the interaction given to the stock liquidity factor with information transparency and agency problem properties since the researcher believed that transparency is linked to the and, subsequently, affecting the corporate agents. This research examined observations using quantitative research method, Tobit regression on 256 non-financial firms of the Indonesian capital market during 2010-2018. Stock liquidity significantly impacted dividend policy. The result showed robustness with other stock liquidity measures. This study found that information asymmetry and agency problems had a moderation effect on stock liquidity effect on dividend payout. However, the interaction of stock liquidity and disparity of control rights and cash flow rights did not give a moderation effect on the dividend payout policy. The result supports the notion that dividend payout is an outcome of firm good governance and an inverse of dividend signaling theory.
IMPORTANCE OF INTERNAL CONTROL SYSTEMS ON DETECTION AND PREVENTION OF FRAUD IN COMMERCIAL BANKS OF NEPAL Niroula, Ballav
Akuntansi: Jurnal Akuntansi Integratif Vol. 10 No. 2 (2024): Volume 10 Nomor 2 Oktober 2024
Publisher : Prodi Akuntansi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29080/jai.v10i2.1772

Abstract

This research aims to study the importance of internal control systems to detection and prevention of fraud in commercial banks in Nepal. Advanced authentication techniques, vigilant monitoring for questionable activity, frequent staff education and awareness campaigns, and robust encryption for confidential information are all part of the process of identifying and preventing fraud. Effective internal control mechanisms are essential to the identification and aberrance of fraud in financial organizations. This study used descriptive research design to interpret the data. Using simple random sampling Ten commercial banks were selected as sample out of total Twenty commercial banks. Three level staff officer, manager, and executive were chosen on the study. Structured questionnaire was distributed to Fifty respondents but only 48 were collected and used in the study. Chi square test was applied to analyze the data. Findings of this study found that fraud in the organization is done by concealed hand and inefficient allocation of duties and authorities can not detect and prevent the fraud in commercial banks in Nepal. To detect and prevent the fraud the commercial banks need to apply effective internal control systems, allocate the duties and authorities in systematic way.
Co-Authors Christiana, Nova Eva Rianty Angelina Sitanggang* Gnawali, Bindu Qudsi Fauzi, Qudsi Sanju Kumar Singh Shrestha, Banita Ulfah Ulfah Upadhyay, Jitendra Prasad Wardhana , Akhmad Kusuma Wijayanti, Ida