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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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Journal : Kinerja

 1 
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.
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