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Full-Text Articles in Business
Assessing The Current Efficiencies Of Farm Credit Of Western Arkansas, Hailey Paulsen
Assessing The Current Efficiencies Of Farm Credit Of Western Arkansas, Hailey Paulsen
Agricultural Economics and Agribusiness Undergraduate Honors Theses
Farm Credit is a unique banking structure, as it is a cooperative which pays patronage dividends to its members. As such, the rates for loans (nominal interest rates) that Farm Credit offers can be slightly higher than larger commercial banks because the patronage payment can offset some, all or more of interest rate difference, which results in an effective rate. Farm Credit, like other globally evolving industries, must continuously look for ways to differentiate themselves to compete for new customers and retain existing ones. Thus, this study sets out to survey the members of Western Farm Credit of Arkansas to …
Financing Small And Medium-Sized Enterprises In Thailand: The Importance Of Bank Loans And Financing Diversification, Harri Ramcharran
Financing Small And Medium-Sized Enterprises In Thailand: The Importance Of Bank Loans And Financing Diversification, Harri Ramcharran
The Journal of Entrepreneurial Finance
Bank loans are the main sources of financing the Small and Medium-Sized Enterprises (SME) sector of the Thai economy. This sector contributes to about 37% GDP and employs about 80% of the labor force. Recent data indicate a decline in bank lending; this necessitates the efficient use of available funds and strategies to diversify SME financing. Using data from 2007 – 2014, we analyze the performance of this sector by applying several measures of productivity. We find average productivity to be greater than one for: (a) SME output per unit of SME and (b) SME output per Baht loan. This …
Ghanaian Bank Performance And Ownership, Size, Risk, And Efficiency, Rebecca Attah
Ghanaian Bank Performance And Ownership, Size, Risk, And Efficiency, Rebecca Attah
Walden Dissertations and Doctoral Studies
Ghanaian banks struggle to maintain sufficient capital after the Bank of Ghana increased the minimum capital requirement as a buffer against the 2008 financial crisis. Grounded in the efficient structure theory (EST), the purpose of this correlational study was to examine the relationships between efficiency, size, risk, and ownership structure on banks' performance when minimum capital requirement increases. Archival data were collected from PricewaterhouseCoopers website covering all Ghanaian banks with available data for the 5-year period ending 2013. Initial one tail paired sample t tests revealed significant increases over time for efficiency, t(21) = 3.849, p -?¤ .001, net interest …