scholarly journals WHAT FACTORS INFLUENCE PROFITABILITY IN THE KOREAN CREDIT CARD BUSINESS?

2017 ◽  
Vol 17 (1) ◽  
Author(s):  
Ji-Yong Seo
Keyword(s):  
Risk Management ◽  
Credit Card ◽  
Critical Role ◽  
Influential Factors ◽  
External Factors ◽  
Business Data ◽  
Internal And External Factors ◽  
Contribution Level ◽  
Level Of Risk ◽  
Interest Margin

This study investigates the hypothetically influential factors in the profitability of Korean credit card firms based on the findings of previous studies. By using recent Korean credit card business data, the study determines whether internal and external factors affect profitability in the operating activities of credit card firms. The main findings are as follows. First, Korean credit card firms are mainly affected by the portion of the interest margin contribution from the perspective of business diversification. Second, the level of risk management in Korean credit card firms plays a critical role in enhancing their profitability. Third, large asset investment is not helpful in increasing the profitability of Korean credit card firms.Keywords: Hypothetically Influential Factors; Interest Margin Contribution; Level of Risk Management; Large Asset Investment.

Risk Taxonomy and Strategic Rationality in Enterprise Decision-Making Process

2018 ◽  
pp. 17-45 ◽  
Author(s):  
Luisa dall'Acqua
Keyword(s):  
Decision Making ◽  
Risk Management ◽  
External Factors ◽  
Baseline Risk ◽  
Decision Making Process ◽  
Business Risk ◽  
Risk Taxonomy ◽  
Internal And External Factors ◽  
Social Components ◽  
Strategic Rationality

Over the last decade, risk management has become increasingly important both in financial and non-financial businesses. This is due to the increase in uncertainty caused by a number of internal and external factors. Genesis of business risk can be related to the divergence between external factors and components of organizational and operational structures of companies. In this chapter, a baseline risk taxonomy was proposed, and the cognitive, regulatory, and social components of risk inherent in a decision-making process were analyzed. A synthesis model was then elaborated, which exposes the relationships between decision-maker, decision-making, and environment for risk management, including through decision-making information technology.

scholarly journals Students’ interest in physical education learning: Analysis of internal and external factors

2021 ◽  
Vol 6 (3) ◽  
pp. 385-393
Author(s):  
Rama Kurniawan ◽  
Ari Wibowo Kurniawan ◽  
Dimas Wijaya
Keyword(s):  
High School ◽  
Physical Education ◽  
Survey Methods ◽  
Influential Factors ◽  
Senior High School ◽  
External Factors ◽  
Research Subjects ◽  
Activity Factor ◽  
Quantitative Descriptive ◽  
Internal And External Factors

In physical education, learning interests are required so that the intentions of this meant learning are well accomplished. This research is aimed to find out the descriptions of students’ interest factors when attending physical education learning at State Senior High School 2 Malang. This study employed a quantitative descriptive research design through survey methods. In order to obtain the research data, a questionnaire was employed as the research instrument with 329 students as the research subjects. After the data were collected, they were analyzed by using a type of descriptive statistical analysis. The results of this research indicated that students’ interest in learning physical education of X class students in State Senior High School 2 Malang both of internal and external factors were classified as high categories. Internal factors influenced students’ interests more during physical education learning compared to external factors. Overall, the activity factor and feeling of pleasure are the most influential factors for their involvement in physical education learning. Understanding that, students and teachers are suggested to look at intervening toward each above factors as an effort to improve their interest in learning.

scholarly journals RISK MANAGEMENT IN THE DEVELOPMENT OF TRANSPORT PROJECTS

2020 ◽  
Vol v8 (2) ◽  
pp. 173-182
Author(s):  
Svetla Tzvetkova
Keyword(s):  
Risk Management ◽  
Work Force ◽  
External Factors ◽  
Negative Consequences ◽  
Highly Qualified ◽  
Transport Activity ◽  
Emergency Situations ◽  
Multiple Risks ◽  
Internal And External Factors ◽  
Qualified Work

The realization of transport projects is accompanied by multiple risks which vary in nature. This is determined by the specificity of the transport activity and the multitude of internal and external factors which influence it. The occurrence of risks is caused by the inability to predict events which will take place in the future. This could lead to disasters, emergency situations and a lot of negative consequences for the transport firm such as reduced productivity, low competitiveness and insufficient highly qualified work force. Therefore, risk management in the development of transport projects needs to be aimed at the development and implementation of various methods which can reduce risks or prevent the probability for occurrence of unwanted events.

scholarly journals DETERMINAN PROFITABILITAS: KAJIAN PENGELOLAAN FAKTOR INTERNAL DAN EKSTERNAL PERUSAHAAN TEKSTIL DAN PRODUK TEKSTIL (TPT) YANG TERDAFTAR DI BURSA EFEK INDONESIA

2019 ◽  
Vol 5 (1) ◽  
Author(s):  
Nugraheni Siwi
Keyword(s):  
Risk Management ◽  
Interest Rates ◽  
Liquidity Risk ◽  
External Factors ◽  
Current Ratio ◽  
Internal Factors ◽  
Managerial Implication ◽  
Macroeconomic Factors ◽  
Internal And External Factors ◽  
Bearing Analysis

This research looks at the effect of internal factors or microeconomics and external factors or macroeconomic factors on profitability of textiles and textiles products companies. The result showed that partially, only current ratio and the interest rates which have significant impact on ROA. simultanously, internal and external factors have significant impact on ROA. Managerial implication based on this research are, the companies should apply liquidity risk management like mitigation on liquidity crisis and liquidity risk bearing analysis also look for another fund resources to decrease interest rates expenses.

scholarly journals Whistleblowing as a Mechanism of Fraud Risk Management in Economic Practice

e-Finanse ◽  
2020 ◽  
Vol 16 (3) ◽  
pp. 96-105
Author(s):  
Agnieszka Skoczylas-Tworek
Keyword(s):  
Risk Management ◽  
Organizational Culture ◽  
Stock Exchange ◽  
External Factors ◽  
Personal Security ◽  
Fraud Risk ◽  
Economic Practice ◽  
Important Barrier ◽  
Fraud Risk Management ◽  
Internal And External Factors

Abstract The phenomenon of fraud and abuse remains relevant, as evidenced not only by studies published in this area, but also by the measures taken by economic operators to reduce it. Whistleblowing is an increasingly common tool for detecting fraudulent activities. It involves informing the organization’s management or external entities of any ethically, fraudulently or corruptly motivated irregularities. The level of interest in whistleblowing among Polish market entities is relatively low, mainly due to the lack of appropriate organizational culture, which is influenced by both internal and external factors within which the company operates. An important barrier in the implementation of whistleblowing in economic structures are both the ethical and sociological aspects and the low level of trust of potential whistleblowers towards their personal security for disclosing information about the signs of a prohibited act. Therefore, this tool is not very popular due to the lack of safeguards under national law, as well as internal regulations of entities using it. The aim of the publication is to verify the extent to which the whistleblowing tool is used to counteract the risk of abuse by economic entities listed on the Polish Stock Exchange, covered by the WIG 30 Index.

scholarly journals A Conceptual Approach to Identify Factors Affecting the Digital Transformation of Micro, Small and Medium-sized Enterprises (MSMEs) during Covid-19 Pandemic in Indonesia

2020 ◽  
Vol 25 (2) ◽  
pp. 66
Author(s):  
Ruly - Wiliandri
Keyword(s):  
Large Scale ◽  
Influential Factors ◽  
Digital Transformation ◽  
External Factors ◽  
Transformation Model ◽  
Conceptual Approach ◽  
Factors Affecting ◽  
Digital Ecosystem ◽  
Business Entities ◽  
Internal And External Factors

This article aims to identify both internal and external factors that influence the Digital Transformation (DT) process of Micro, Small, and Medium-sized Enterprises (MSMEs) during the  COVID-19 pandemic. The Covid-19 pandemic, which hits all countries including Indonesia, forces business entities, including MSMEs, to digitally transform their business process. The government’s policies on physical distancing and Large-Scale Social Restriction in several regions greatly impacts MSMEs’ activities i.e. decreasing demands or sales up to 60%. The government’s support for improving the telecommunications infrastructure and a digital ecosystem plays an essential role in accelerating DT. Besides, the government’s initiative to establish business centers can also promote DT of the MSMEs. Moreover, this article describes the challenges faced by MSMEs in carrying out DT during the pandemic. This article applied a conceptual approach to explore the influential factors, both internal and external factors of DT process for MSMEs. Besides, this article will explain DT of MSMEs based on capability and the ecosystem perspectives. As this article suggests, considering those factors will broaden our understanding of MSMEs’ efforts to digitalise their business. The digital transformation model via business centers establishment can encourage MSMEs to go digital.

scholarly journals PENGARUH SARANA DAN PRASARANA TERHADAP MOTIVASI BELAJAR SISWA DI MI QUBA KOTA SORONG

2021 ◽  
Vol 7 (2) ◽  
pp. 114-133
Author(s):  
Khatifah Khatifah ◽  
Arnita Arnita
Keyword(s):  
Learning Process ◽  
Student Motivation ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Influential Factors ◽  
External Factors ◽  
Learning Motivation ◽  
Internal Factors ◽  
Fifth Grade Students ◽  
Internal And External Factors

In attracting students' attention in learning, teacher creativity is needed to arouse students' desires and can foster student motivation to learn. In order for the learning process to run according to what the teacher wants, students need motivation. Motivation is influenced by several factors, both internal and external factors. Internal factors are factors that arise from within students, such as health conditions, interest in learning and so on. While external factors are influential factors that arise from outside students, such as teachers, the environment, and the availability of facilities and infrastructure, as well as teaching methods and strategies. Facilities and infrastructure are very vital and very important things in supporting the smoothness or ease in the learning process. This study examines the effect of facilities and infrastructure on student motivation at Madrasah Ibtidaiyah (MI) Quba, Sorong City. The type of research used in this research is quantitative research using a survey approach. The sample of this study was the fifth grade students, totaling 35 students. The sampling technique used was non-probability sampling and was a saturated sampling. The research instrument used a Likert scale questionnaire. The data that has been collected is then processed using the SPSS 20.0 for Windows application. Based on the results of research using statistical analysis and the help of the SPSS 20.0 application program for windows, it shows that there is an influence between facilities and infrastructure on student learning motivation in class V students, obtained fcount of 422.239 and ftable of 3.285 so it can be concluded that fcount (422,239) > ftable (3.285), and the value of T_count 20,548 > T_table 1,692, it can be stated that H1 is accepted or there is an influence between facilities and infrastructure (X) on students' learning motivation at MI Quba, Sorong City (Y).

scholarly journals Influential Factors Responsible for Profitability: A Technical Study on Commercial Banks in Bangladesh

2019 ◽  
Vol 4 (2) ◽  
pp. 22-28
Author(s):  
S. M. Akber
Keyword(s):  
Commercial Banks ◽  
Influential Factors ◽  
External Factors ◽  
Capital Adequacy ◽  
Key Factors ◽  
Internal Factors ◽  
Return On Equity ◽  
Investment Control ◽  
Asset Quality ◽  
Internal And External Factors

This paper explores how many internal and external factors from 2007-2017 affect the competitiveness of commercial banks in Bangladesh. Many bank-specific variables are used to achieve the goals as internal factors, and macroeconomic variables are used as external factors. A sample of seven commercial banks will be used for this purpose. Return on equity is used as a proxy for profitability and capital adequacy, the size of asset quality banks, investment control, liquidity, resource structure, and economic indicators are used as proxies for the independent variable. The paper's overview findings show that asset structure, capital adequacy, and asset quality are the key factors in Bangladesh's profitability for the commercial bank. The paper's outcome indicates that if commercial banks are more worried about these factors, they could produce a better return on the competitive market.

scholarly journals BRIDGE PROJECT DEVELOPMENT RISK MANAGEMENT: A LITERATURE REVIEW

2020 ◽  
pp. 185-191
Author(s):  
Dwi Tri Nugroho ◽  
Muhammad Nur ◽  
Humiras Hardi Purba
Keyword(s):  
Risk Management ◽  
Risk Analysis ◽  
Literature Review ◽  
Risk Identification ◽  
External Factors ◽  
Social Culture ◽  
Bridge Construction ◽  
Internal Factors ◽  
Internal And External Factors ◽  
Development Risk

The development of the development sector, especially the infrastructure sector, namely the construction of bridges with the aim of equitable distribution of the community's economy, politics, social, culture, and environment. For this reason, there are reasons to analyze the factors that influence the risks inherent in bridge construction, including internal and external factors, so that they can be used as a basis for future bridge planning. The method used is to conduct a literature review relating to the risk of bridge construction to address the risks that occur in the construction of the bridge. Risk analysis studies include risk identification factors consisting of internal and external factors, where these factors are very influential on the sustainability of the project so that it can be reduced or eliminated altogether with risk management. Internal factors consist of the environment in the project and external factors consist of risks that have an impact on the environment outside the project KEYWORDS : Risk analysis internal and external

Sign in / Sign up

Export Citation Format

Share Document