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All Journal Kinerja Journal of Social Commerce Southeast Asian Business Review
Singh, Netra Pal
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Perspicacity Customer Satisfaction of Online Banking: A Study in India Chauhan, Saraswati; Singh, Netra Pal
Southeast Asian Business Review Vol. 2 No. 2 (2024)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/sabr.v2i2.53845

Abstract

The usage of online banking by the banking sector has been expanding quickly as a practical and effective way to add value for customers. Faster and more dependable services for online consumers is one of the well-liked offerings from traditional banks. Online banking has the potential to draw in more clients to affiliated banks by taking use of the swift advancements in information technology. But the primary issue that providers of online banking are dealing with is that many bank customers are unwilling to use the services that are available for online banking. This occurred as a result of the fact that customers are still not satisfied with the services provided by online banking. A crucial component in assisting banks in maintaining their competitive advantages is customer satisfaction. Thus, the goal of this study is to identify and investigate the variables that affect customers' satisfaction with online banking. Customer satisfaction with online banking can be influenced by five factors: convenience, speed, security and privacy, web design and content, and service quality. 216 working adults who took part in the study were asked a series of questions (questionnaire), and their answers and comments on the aforementioned elements that affect customers' decisions to utilize online banking were very insightful. The study's findings revealed that the top three factors influencing consumers' satisfaction with online banking are ease of use, speed, and web design and content.
Review of literature on capital structure: Independent and Dependent Variables Chaudhary, Bharti; Singh, Netra Pal; Mittal, Ruby
Southeast Asian Business Review Vol. 2 No. 2 (2024)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/sabr.v2i2.56476

Abstract

Choosing a capital structure presents many difficulties for businesses. Choosing the right balance between debt and equity is one of the most important decisions. A poor capital structure decision has the power to completely ruin any company's success. Researchers have shown interest in analyzing the capital structure of the companies. The main objective of this paper to review these empirical studies of capital structure and to identify frequently used parameter by the researchers for last 14 years. The empirical capital structure literature is reviewed in this paper, with a focus on works released since 2010. The research paper also intends to address particular issues for further investigation while highlighting the significant gaps in the literature on the factors influencing capital structure and it compares the outcomes of practical research with theoretical expectations. This study investigates the independent factors and their dependent effects that lead companies to stray from ideal capital structures. This study primarily focuses on review of studies in the context of: (i) Capital structure in the banking and financial institutions sector; (ii) Capital structure in the metals industry; (iii) Retail industry; (iv) Software industry; and (v) Pharmaceutical industry. Only secondary data were used in this present study.
Analyzing the Influence of Non-Performing Assets: A Comparative Study between SBI and HDFC Balyan, Sneha; Singh, Netra Pal
KINERJA Vol. 28 No. 2 (2024): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v28i2.9110

Abstract

Non-performing assets (NPAs) pose an enduring and intricate challenge within the banking sector, carrying far-reaching consequences for both financial stability and broader economic growth. This paper provides an in-depth analysis of NPAs and their impact on the financial performance of HDFC and SBI. Based on the analysis of the NPA data of the two banks, it is found that the NPA ratio for State Bank of India is in the range of 1.02%-5.73%, which is on the higher side in comparison to the NPA of HDFC, which lies between 0.20%-0.64% for the period 2007-8 to 2021-2022. In both cases, NPA has a negative impact on profitability, but it is much higher in SBI. These findings may help SBI reinvent its credit policy and the credited process of its credit business to different customer segments.
A Study of E-Banking Services in Public Sector Banks in India Saraswati, Saraswati; Singh, Netra Pal
KINERJA Vol. 28 No. 1 (2024): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v28i1.7505

Abstract

Bankers in India provide ease of service by utilizing information technology for safe and appropriate transaction services. With this paradigm change in view, this research paper embodies the analysis of three dimensions/factors of e-banking: accessibility, convenience, and security, and the impact of these factors on customer satisfaction. The study is based on the secondary and primary data collected with a structured questionnaire from 165 respondents in the vicinity of the district of Palwal, Haryana. The public sector banks and respondents were selected using the criteria of the convenience sampling method. The data was collected on 17 statements of inherent three dimensions on a 5-point Likert scale and three statements of customer satisfaction dimension. The collected data was subjected to inferential statistics and dimension reduction/factor analysis. The results indicate a positive contribution of three latent variables towards the overall satisfaction of customers of public sector banks in India.
Bankruptcy Prediction of Software Companies Using Altman Z-Score Mittal, Ruby; Singh, Netra Pal
Journal of Social Commerce Vol. 5 No. 1 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i1.118

Abstract

This study employs a modified Altman Z-Score model to 15 selected companies with the aim to predict bankruptcy risk in the Indian software industry. Working capital to total assets, retained earnings to total assets, earnings before interest and taxes to total assets, and market value equity to book value of total liabilities, aside to the variable sales to total assets ratio, are the four main financial ratios used in the model, which is being altered for non-manufacturing businesses. The analysis is supported using secondary data from 2004 to 2022 that has been collected from financial statements and reliable financial websites. The study classifies businesses according to their financial stability via bibliometric analysis, descriptive quantitative approaches, and cluster analysis. Variations in 3i Infotech consistently displayed signs of financial distress, while companies include Mphasis, Tech Mahindra, and NIIT occasionally fell into a grey area, suggesting intermittent financial uncertainty, the majority of companies stayed in the non-distress group from 2004 to 2021, indicating a low bankruptcy risk. The study suggests the implementation of specific corrective measures, such as comprehensive financial restructuring and better risk-management methods, for businesses that have been identified to be in the distress and grey zones. In addition, to reduce the risk of bankruptcy and ensure long-term financial stability, proactive processes for governance and ongoing monitoring are encouraged.
Cultural Intelligence, Communication Effectiveness, Global Leadership, and Organizational Effectiveness: Insights from the Indian Hospitality Sector Resho, Resho; Singh, Netra Pal
KINERJA Vol. 29 No. 2 (2025): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v29i2.10233

Abstract

The increasing globalization of business operations has heightened the need for leaders capable of navigating culturally diverse environments. This study explores the interrelationships between cultural intelligence (CQ), communication effectiveness, global leadership, and organizational effectiveness within the context of India’s hospitality sector. This research examines how these constructs interact to influence organizational outcomes by using exploratory and confirmatory factor analyses (EFA and CFA) and structural equation modeling (SEM). Data collected from 360 managers working in various sub-sectors of the hospitality industry reveal significant positive relationships between the constructs. The findings emphasize the importance of CQ as a foundational competency for communication effectiveness and global leadership, which collectively enhance organizational performance. This paper contributes to the growing discourse on leadership in multicultural and emerging market contexts, offering practical insights for organizations and policymakers.
A Study of E-Banking Services in Public Sector Banks in India Saraswati, Saraswati; Singh, Netra Pal
KINERJA Vol. 28 No. 1 (2024): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v28i1.7505

Abstract

Bankers in India provide ease of service by utilizing information technology for safe and appropriate transaction services. With this paradigm change in view, this research paper embodies the analysis of three dimensions/factors of e-banking: accessibility, convenience, and security, and the impact of these factors on customer satisfaction. The study is based on the secondary and primary data collected with a structured questionnaire from 165 respondents in the vicinity of the district of Palwal, Haryana. The public sector banks and respondents were selected using the criteria of the convenience sampling method. The data was collected on 17 statements of inherent three dimensions on a 5-point Likert scale and three statements of customer satisfaction dimension. The collected data was subjected to inferential statistics and dimension reduction/factor analysis. The results indicate a positive contribution of three latent variables towards the overall satisfaction of customers of public sector banks in India.
Analyzing the Influence of Non-Performing Assets: A Comparative Study between SBI and HDFC Balyan, Sneha; Singh, Netra Pal
KINERJA Vol. 28 No. 2 (2024): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v28i2.9110

Abstract

Non-performing assets (NPAs) pose an enduring and intricate challenge within the banking sector, carrying far-reaching consequences for both financial stability and broader economic growth. This paper provides an in-depth analysis of NPAs and their impact on the financial performance of HDFC and SBI. Based on the analysis of the NPA data of the two banks, it is found that the NPA ratio for State Bank of India is in the range of 1.02%-5.73%, which is on the higher side in comparison to the NPA of HDFC, which lies between 0.20%-0.64% for the period 2007-8 to 2021-2022. In both cases, NPA has a negative impact on profitability, but it is much higher in SBI. These findings may help SBI reinvent its credit policy and the credited process of its credit business to different customer segments.
Co-Authors Balyan, Sneha Chaudhary, Bharti Chauhan, Saraswati Mittal, Ruby Resho, Resho SARASWATI SARASWATI