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All Journal Jurnal Attarbiyyah: Jurnal Ilmu Pendidikan Islam
Oscar Opoku Agyemang
PhD (Candidate) Geography, University of Cape Coast, Ghana
Humanities Education

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Effect of Interest Rates on Banks Profitability: The Case of GCB Bank PLC Elizabeth Sarfo-Kantanka; Oscar Opoku Agyemang; Isaac Opoku Dadzie; Verosivera Boateng; Owusu-Debrah Mark
Journal of Corporate Finance Management and Banking System ( JCFMBS) ISSN : 2799-1059 Vol. 2 No. 03 (2022): April-May 2022
Publisher : HM Journals

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55529/jcfmbs.23.52.63

Abstract

The study was to examine the impact of change of interest rate on banks profitability. Specifically, it sought to identify the relationship between the change of interest rate and banks profitability for the period 2008-2019; and to determine the effect of change of interest rate on banks profitability for the period 2008-2019. The study was an explanatory research design of quantitative approach that extracted data from the Annual Financial Reports of GCB Bank Plc on Return on Assets (ROA), Return on Equity (ROE) and Bank Size of GCB, and the Monetory Interest Rates by the Bank of Ghana from 2008 to 2019. Both descriptive statistics such as freqauencies, means and standard deviation as well as inferencial statistics such as multiple regression were used in the data analysis. Overall, this study concluded that the Change of Interest Rate (CIR) have significant effect on Banks Return on Assets (ROA) and Return on Equity (ROE), and by extension affective banks profitability. It was established that yearly interest rates of Ghana, as reported by the BoG on monthly basis have seen some fluctuation over the last 12 years. The highest positive change in percentage of 23.21 was recorded in 2015, whereas 2018 recorded the highest negative change of -20.22, and 2012 recorded no change change. Also, there was significant relationships between the Change of Interest Rate (CIR) and Banks Profitability, specifically Return on Assets (ROA), Return on Equity (ROE) and Bank Size.
Employee Satisfaction and Retention of Stanbic Bank Head Office in Accra, Ghana Bertha Fiankobea Adjei; Verosivera Boateng; Jerry Anim; Oscar Opoku Agyemang; Benjamin Buabeng
Journal of Corporate Finance Management and Banking System ( JCFMBS) ISSN : 2799-1059 Vol. 2 No. 02 (2022): Feb-Mar 2022
Publisher : HM Journals

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55529/jcfmbs.22.11.21

Abstract

The study explores the organisational factors correlates that influence job satisfaction and employee retention. Specifically, the study examined the level of job satisfaction of the employees of Stanbic Bank; analyse the determinants of job satisfaction of the employees of stanbic Bank; examine the effect of job satisfaction on employee retention; and recommend istrategies that ican ibe used to improve ijob isatisfaction iand imaintain iemployee iretention iat the head office of Stanbic Bank. The study employed quantitative methodology. Data was collected through the administration of questionnaire to 130 employees of the bank. Moreover, ilinear iand imultiple iregression iwere iused ito iexamine ithe icause iand ieffect irelationship ibetween ijob isatisfaction iand iretention. It emerged from the study that better remuneration is the factor most considered by employees of Stanbic Bank Ghana’s head office to have the paramount influence on their satisfaction on job. Again, employees cited compensation as the factor to influence their retention or turnover, followed by career growth and development. It is recommended that Human Resource Managers strike a meaningful balance between compensation and opportunities for career advancement as these are the major turnover factors. Also, the management of the Stanbic Bank should improve upon their extrinsic motivations such as pay, promotions and reward since it really affects the job satisfaction of the employees.
Co-Authors Benjamin Buabeng Bertha Fiankobea Adjei Elizabeth Sarfo-Kantanka Isaac Opoku Dadzie Jerry Anim Owusu-Debrah Mark Verosivera Boateng