Reem Mohammad, Abdulnaser Ibrahim Nour and Sameh Moayad Al-Atoot
This study aims to investigate the moderating role of corporate governance (CG) on the relationship between credit risk (CRs) and financial performance (FP) of banks listed in the…
Abstract
Purpose
This study aims to investigate the moderating role of corporate governance (CG) on the relationship between credit risk (CRs) and financial performance (FP) of banks listed in the Palestine Securities’ Exchange (PEX) and Amman Securities’ Exchange (ASE).
Design/methodology/approach
This study used a hypothesis-testing research design to collect data from the annual reports of 21 banks listed on (PEX) and (ASE). Secondary data, annual reports and disclosures were used between from 2009 to 2019. Descriptive and inferential statistics were used, along with correlation analysis to evaluate linear relationships between variables. Data was collected based on panel data, the VIF was used to test multicollinearity and binary logistic regression was used to develop the research model.
Findings
The regression results showed the association between CR and firm performance depends on the measurement of each factor applied. The results showed mixed results between loans to total assets (LTA) and nonperforming loans to total loans (NPLs) with FP. LTA has a significant and positive effect on TOBINSQ and return on equity (ROE), but an insignificant and positive effect on return on assets (ROA). On the other hand, NPLs have a significant and negative effect on ROA, whereas NPLs have a weak and positive effect on TOBINSQ. However, there is an insignificant and positive effect of NPLs on ROE. Moreover, the results demonstrated that CG moderated the relationship between CRs and FP of banks. The practical contribution of this paper, for bank policymakers and authorities, the study’s implications are noteworthy. Understanding the varied impacts of different CR measures on FP can help regulators and policymakers design more tailored and effective risk management frameworks for banks.
Research limitations/implications
This study had limitations that future research might be able to address. First, the small size of the sample used in the study included 21 banks listed on the PEX and ASE. Likewise, the ASE and PEX are considered developing stock exchanges, so the results of this study may differ from those of other stock exchanges. Second, only CRs were considered in this study when examining the association between the profitability of Palestinian banks and ASE. Other studies can be undertaken on other nonfinancial risks, such as operational risk, to measure the differences between them and examine their effects on the profitability of Palestinian and Jordanian banks. Other studies might be performed to compare CRs and its impact on profitability in Palestinian and Jordanian banks with those in other Western and Eastern banks. Furthermore, in addition to TOBINSQ, ROA and ROE, researchers can use other financial indicators to measure profitability. This will contribute to substantiating the present study’s findings.
Originality/value
Although several studies have examined the relationship between CRs and FP in developed and developing countries, the results have been mixed. However, this study is one of the few studies that examined the moderating role of CG in association with CRs and FP, especially on Palestinian and Jordanian contexts. Finally, the findings offer policymakers and practitioners of Palestinian and Jordanian contexts.
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Mohammad Zakaria AlQudah, Husni Samara, Hanan Qudah, Reem Nazzal, Laith Yousef Bani Hani, Razan Adil Radwan and Samer Alrahamneh
The primary aim is to identify and examine the critical success factors (CSFs) in FinTech that influence social responsibility (SR). This study aims to differentiate between…
Abstract
Purpose
The primary aim is to identify and examine the critical success factors (CSFs) in FinTech that influence social responsibility (SR). This study aims to differentiate between internal factors (e.g. risk management, innovation, regulatory compliance, technology integration) and external factors (e.g. market conditions and regulatory changes) and offer insights into effective FinTech practices that enhance SR performance.
Design/methodology/approach
A comprehensive literature review using the Web of Science database analyzed 143 relevant articles. This review categorizes CSFs and assesses how FinTech practices impact SR.
Findings
The findings indicate that strategic FinTech practices, such as innovation in financial services, effective data management and stakeholder collaboration, are crucial for enhancing operational efficiency, fostering sustainability and improving responsiveness to social and environmental needs. This study also highlights current trends in FinTech and SR, emphasizing the integration of FinTech into broader SR strategies.
Practical implications
This study provides valuable insights for practitioners on how to leverage FinTech to enhance SR, including strategies for integrating innovative technologies and improving stakeholder engagement.
Social implications
By advancing the understanding of how FinTech can contribute to SR, this research highlights the potential for FinTech to drive positive social and environmental outcomes, fostering greater corporate responsibility and sustainability.
Originality/value
This research provides a novel bibliometric analysis of FinTech’s role in advancing SR, offering a comprehensive overview of the CSFs and emerging trends in this field.
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The challenges that Saudi female leaders face have a major effect on their wellbeing, because their life’s satisfaction as Gärling et al. (2015) pointed out is related to the…
Abstract
The challenges that Saudi female leaders face have a major effect on their wellbeing, because their life’s satisfaction as Gärling et al. (2015) pointed out is related to the balance between mental and physical circumstances that they experience. Additionally, female leaders in Saudi higher education experience considerable job-related stress, and they often lack the strategies and guidance which are necessary to enhance the social and emotional competencies that could help them to cope appropriately with challenges and maintain their wellbeing. Therefore, this chapter presents findings from a qualitative study and unravels Saudi female leaders’ strategies for managing challenges and sustaining their wellbeing in higher education organizations.
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Reem Mohamed Elalfy, Ahmed Mostafa Abdelwaged Elayat and Mohamed H. Elsharnouby
This study examined the role of brand experience (BE) dimensions (behavioural, intellectual, sensory and affective) to predict electronic word of mouth (e-WoM) through the…
Abstract
Purpose
This study examined the role of brand experience (BE) dimensions (behavioural, intellectual, sensory and affective) to predict electronic word of mouth (e-WoM) through the mediating effect of brand love (BL) in the Egyptian organic cosmetics context.
Design/methodology/approach
In accordance with the non-probability convenience sampling procedure and through an online survey, the study collected 312 responses from female consumers who have used Egyptian organic cosmetics brands regularly within the past two years.
Findings
The findings revealed that BE has a significant direct positive effect on BL. BE has also had a significant direct positive effect on e-WoM. In addition, BL has a significant direct positive effect on e-WoM. Finally, BL is a significant mediator between BE and e-WoM.
Practical implications
This study offered several managerial recommendations. By considering BE as a tool, organic cosmetics' brand owners and managers can effectively develop and implement various experiential marketing strategies to create a love for that brand and develop long-term relationships with consumers, which in turn will lead to positive e-WOM.
Originality/value
This is a new study that uses Fournier’s relationship theory to investigate BE on BL to predict e-WOM in the context of Egyptian organic cosmetics brands. New insights are provided for the mediating effect of BL between BE and e-WoM in the context of Egyptian organic cosmetics brands.
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Allam Hamdan, Reem Hamdan, Mohammed Anasweh and Ruaa Omar Binsaddig