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Article
Publication date: 8 July 2019

Apriani Dorkas Rambu Atahau and Tom Cronje

The purpose of this paper is to determine the impact of loan concentration on the returns of Indonesian banks and examines whether bank ownership types affect the relationship…

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Abstract

Purpose

The purpose of this paper is to determine the impact of loan concentration on the returns of Indonesian banks and examines whether bank ownership types affect the relationship between concentration and returns.

Design/methodology/approach

This research uses heuristic measures of concentration: The Hirschman–Herfindahl index and Deviation from Aggregated Averages are applied to Indonesian banks across all sectors. The data covers the pre and post global financial crises periods from 2003-2011 for 109 commercial banks in Indonesia. Panel feasible generalised least squares analysis was applied.

Findings

The findings show that loan concentration increases bank returns. The positive effect of concentration on returns tends to be more significant for domestic-owned banks. In addition, the interaction effect shows that the positive effect of concentration on returns is less for foreign-owned banks.

Research limitations/implications

The Indonesian central bank changes to the reporting format of sectoral loan allocation by banks since 2012 in terms of the Indonesian Banking Statistics Details of Enhancement matrix requires separate data analysis for 2012 onwards. The findings of this paper could be enhanced by more detailed data like interest rate expenses and bank level sectoral non-performing loans data.

Practical implications

The findings suggest that a focus strategy provides better returns. Moreover, bank ownership types is an important factor to consider when setting a bank lending policy.

Originality/value

This paper is among the few studies where different measures of loan concentration in combination with measures of return are applied in Indonesia as an emerging Asian country. The research also provides evidence of the impact of concentration on the interest earnings of the loan portfolios of banks in addition to return on assets and return on equity that are generally applied as measures of return in previous research.

Details

Journal of Asia Business Studies, vol. 13 no. 3
Type: Research Article
ISSN: 1558-7894

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Article
Publication date: 3 May 2021

Apriani Dorkas Rambu Atahau and Tom Cronje

The Indonesian banks play crucial roles in the economy, especially because of less developed bond and stock markets. It has undergone drastic changes in bank-ownership composition…

352

Abstract

Purpose

The Indonesian banks play crucial roles in the economy, especially because of less developed bond and stock markets. It has undergone drastic changes in bank-ownership composition over time. This paper aims to analyze the impact of bank-specific characteristics on the performance of different bank-ownership types in Indonesia to determine whether their profitability drivers differ.

Design/methodology/approach

Fixed-effect panel data regression is applied to 1,649 bank-year observations (97 banks throughout 2003–2019). It encompasses the pre- and post-global financial crisis (GFC) period.

Findings

The findings show that age, liquidity, equity and credit risk are significant determinants of bank performance. The significance of these effects differs for each bank-ownership type and show changes between the pre-GFC and post-GFC periods.

Research limitations/implications

Notwithstanding the merit of this paper, the results are not without limitations. This paper only focuses on one country. Furthermore, the prominence of banks relative to bond and stock markets with consideration of the GDP of countries may result in different findings

Practical implications

These findings provide the owners and managers of banks with information that can be applied to compare and assess own bank drivers and performance to enhance their own efficiency. The findings also inform bank authorities and regulators about differences in performance drivers that could be considered in changes to policies aimed at improving the performance of different bank-ownership types.

Originality/value

This paper is a pioneer study that focuses on the drivers of bank performance for different ownership types during the pre- and post-GFC periods in a country where the financial market is overall small and bank credits dominate capital supply.

Details

International Journal of Productivity and Performance Management, vol. 71 no. 8
Type: Research Article
ISSN: 1741-0401

Keywords

Available. Content available
Book part
Publication date: 30 July 2018

Abstract

Details

Marketing Management in Turkey
Type: Book
ISBN: 978-1-78714-558-0

Available. Open Access. Open Access
Article
Publication date: 6 November 2024

Chiranjit Ghosh

This empirical study is developed with an aim of exploring how and to what extent the current year’s as well as lagged years’ disclosure level of intellectual capital (IC…

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Abstract

Purpose

This empirical study is developed with an aim of exploring how and to what extent the current year’s as well as lagged years’ disclosure level of intellectual capital (IC) influences the firm's value which is measured through the Cost of Equity Capital.

Design/methodology/approach

The content analysis technique is applied on the annual reports of 50 sample companies to construct an IC disclosure index for measuring the volume of IC disclosure and to collect other relevant information for the study periods from 2015–16 to 2019–20. However, due to unavailability of information for all the study periods, 7 companies were eliminated and finally 43 companies are used for analytical purpose. Keeping in mind about the aim of this research, regression equations are run to analyze the cause–effect relationship between the IC disclosure level and the Cost of Equity Capital after excluding the influence of other factors like firm size, unlevered beta and market-to-book ratio.

Findings

The present study finds that the amount of IC disclosure has an inverse association with the cost of equity capital. Our study also confirms that lagged years’ IC disclosure has a greater inverse effect than the current year’s IC disclosure on the Cost of Equity Capital.

Originality/value

For the first time in the literature of IC disclosure in the perspective of Indian context, this empirical study takes an initiative to investigate the impact of current year’s as well as backlog years’ IC disclosure level on the Cost of Equity Capital.

Details

IIMBG Journal of Sustainable Business and Innovation, vol. 2 no. 2
Type: Research Article
ISSN: 2976-8500

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Article
Publication date: 31 August 2010

Michael R. Hyman and Jeremy J. Sierra

Sport celebrities often endorse their team, their sport, and non‐sports‐related products. Increased idolizing of sport celebrities by adolescents is one artifact of this…

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Abstract

Purpose

Sport celebrities often endorse their team, their sport, and non‐sports‐related products. Increased idolizing of sport celebrities by adolescents is one artifact of this promotional practice. Although seemingly innocuous, adolescents who idolize sport celebrities may, as adults, come to worship such celebrities; this unhealthy obsession may afflict 10 percent or more of adults. If adolescent hero worship of sport celebrities is a gateway to this adult psychopathology, then alerting parents, as well as encouraging social responsibility among advertisers and sport teams/leagues, is critical. This paper aims to address the issues.

Design/methodology/approach

After a brief review of the literature on adolescent hero worship, the literature on the determinants and effects of celebrity worship are explored.

Findings

Once parents, advertisers, sport team/leagues are sensitized to the problem, adolescent hero worship of sport celebrities can be mitigated as a likely gateway to many adults' unhealthy obsession with celebrities.

Research limitations/implications

Directions for future sport celebrity worship research are suggested.

Practical implications

The incidence of a potentially psychologically damaging affliction can be reduced without harm to advertisers, sport teams/leagues, and athletes.

Social implications

Ways to reduce promotion‐induced sport celebrity worship – without eliminating sport promotion per se – are suggested. Recommendations are targeted for sport‐related and non‐sport‐related products as well as teams and leagues/conferences.

Originality/value

This paper is the first to suggest a link between adolescent hero worship of sport celebrities and psychologically dangerous celebrity worship by adults.

Details

Young Consumers, vol. 11 no. 3
Type: Research Article
ISSN: 1747-3616

Keywords

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