Credit Rationing at Commercial Banks: Some Empirical Evidence

FinTech has become an increasingly important phenomenon around the world in recent times. This is substantiated by a growing interest from researchers, academicians, and policymakers. While the adoption of FinTech appears to be widely regarded as a strategic priority for financial institutions worldwide, the empirical evidence on the managerial challenges under FinTech is very scant, especially from the perspective of developing countries. With this in mind, this chapter aims at providing empirical evidence on the managerial challenges emanating from FinTech within the context of Zimbabwean commercial banks. The study establishes seven challenges, namely, customer retention, regulatory compliance, technology risk, increased competition, cyber-attacks, the inadequacy of IT employees, and system downtimes. The recommendations to deal with these challenges are proffered and the suggestions for further study are captured.

Download Full-text

Organizational Justices and Employees' Demography: Empirical Evidence form Nepalese Employees

Researcher A Research Journal of Culture and Society ◽

10.3126/researcher.v4i2.34625 ◽

2020 ◽

Vol 4 (2) ◽

pp. 59-76

Author(s):

Ganesh Bhattarai

Keyword(s):

Organizational Justice ◽

Empirical Evidence ◽

Commercial Banks ◽

Master's Degree ◽

Demographic Variables ◽

Bachelor's Degree ◽

Cross Sectional ◽

Demographic Groups ◽

Master’S Degree ◽

The Impact

In the context of controversial empirical evidences regarding the effect of demographic variables on organizational justices, this study was carried out to measure the (a) employees' perceived organizational justice within the different demographic groups, and (b) the impact of demographic aspects (i.e., sex, tenure, and education) on organizational justices. Five hundred forty-six employees working in Nepalese commercial banks were taken as the sample. Perceptual cross-sectional data were analyzed quantitatively using both descriptive and inferential statistics. This study revealed that the average level of perceived justices was more than fifty percentages on five-point Likert-type scales, indicating they did not feel injustice. Females than males, temporary than permanent, and master's degree holders than bachelor's degree holders perceive less distributive justice. Likewise, female than male, permanent than temporary, master's degree holders than higher or lesser degree holders perceive less procedural justice. Similarly, regarding interactive justice, male than female, temporary than permanent, and master's degree holders than bachelor's degree holders feel comparatively less honesty, courtesy, respect, and politeness in their working relationship. Some empirical and theoretical implications are suggested.

Download Full-text

Credit Rationing and Credit View: Empirical Evidence from an Ethical Bank in Italy

Journal of money credit and banking ◽

10.1111/j.1538-4616.2011.00423.x ◽

2011 ◽

Vol 43 (6) ◽

pp. 1217-1245 ◽

Cited By ~ 23

Author(s):

LEONARDO BECCHETTI ◽

MARIA MELODY GARCIA ◽

GIOVANNI TROVATO

Keyword(s):

Empirical Evidence ◽

Credit Rationing ◽

Credit View

Download Full-text